davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (IL)

I attempted to sign up for MoneyLion and an error message alerted me that my SSN was already attached to a profile. I called MoneyLion and asked if they had an additional profile attached to my XXXX and they opened an investigation. The issue was not resolved so Ive been calling and was told there was nothing they can do. Someone has taken cash advances under my identity and apparently MoneyLion has not closed the account. MoneyLion does not appear to ever verify identification outside of asking for self-identification through an app.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO Bank, N.A. (OH)

BMO has obtained my information and loan in breach of contract through the obtaining of Bank of the West Bank of the West did not follow USC 156802 never received a third party opt out form within 30 days of entering into a commerce agreement with a financial institution BMO has refused to give me any of the documentation that I'm legally entitled to is not honoring the contract and committing credit reporting fraud
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (RI)

I paid my car loan off with Chase Auto on XX/XX/2024. I still have not received my title in the mail, when it said I would receive it in 2-10 business days. I have tried contacting Chase and they said they would get back to me in a few business days.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$480.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my Trans Union and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to escalate a dispute regarding inaccurate information on my credit report, which has been verified by Trans Union despite my efforts to provide evidence proving the inaccuracy. 

Disputed Information : On XX/XX/2024, I submitted a formal dispute to Trans Union regarding inaccuracies on my credit report related to account paid in a timely manner. but bureau is reporting collection. I provided detailed documentation and evidence supporting my dispute, including documentation from my credit report using XXXX XXXX 

Verification Without Investigation : Despite the evidence provided, Trans Union has verified the accuracy of the disputed information without conducting a thorough investigation into the matter. This response is unacceptable and violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate consumer disputes and correct any inaccuracies. 

Request for Intervention : I request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that Trans Union fulfills its obligations under the FCRA and conducts a proper investigation into the inaccuracies on my credit report. I also request that appropriate enforcement action be taken against Trans Union for its failure to comply with regulatory requirements. 

Enclosed with this letter are copies of all relevant documentation, including my credit report, dispute letters, and any correspondence with Trans Union. I request that you investigate this matter promptly and inform me of the results of your investigation. I want XXXX XXXXOriginal Creditor XXXX XXXX removed! They never informed me through mail, email, phone call of this alleged debt was owed. The account was paid. Per evidence submitted from XXXX XXXX credit report. This account was paid on time monthly. Please remove these XXXX accounts from my credit report. Account # XXXX XXXX XXXX Original Creditor XXXX XXXX Account # XXXX XXXX XXXX Original Creditor XXXX. They have no evidence that the delinquent account is mine. The only account that is mine was paid on time! 

Thank you for your attention to this matter. I look forward to a swift resolution and the correction of the inaccuracies on my credit report.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/year> I received an email from Midland Credit Management claiming that I owed debts that are already paid. This company has employed ways of misrepresentation in claiming that I owe them payment. Per the prospectus report of XXXX XXXX, it states " The primary source of funds for the payment of principal of and interest on the notes is the collateral certificate issued by the XXXX  trust to the issuance trust. '' See XXXX XXXX. Per the same prospectus, it states that " XXXX  trust makes payments on the notes ( principal payments reduce the nominal liquidation amount of the notes and the invested amount of the collateral certificate ) ''. How then does the consumer/invertor owe any debt if the master trust makes principal payments relating to XXXX 's XXXX in the master trust? Midland Credit Management seems to have employed some type on money scheme and has furnished deceptive statement that coerces the consumer into believing they owe a debt. Per the current flow chart of the same prospectus, I am the consumer/investor and the amount you claim is due to you, are notes/credits due to me. After my tendered, endorsed and signed application was submitted, it was then converted into a receivable/treasury marketable security by XXXX Credit Card XXXX XXXX XXXX XXXX from there XXXX XXXX XXXX receives payment for increase in collateral certificate. How is it that the consumer owes any debt? On pg. XXXX of the same prospectus, there it states that " The issuance trust will pay the proceeds from the sale of a class of notes to XXXX. XXXX will use such proceeds to increase the investor interest of the collateral certificate, acquire additional receivables, and for its general corporate purposes. XXXX will be responsible for the payment of all expenses incurred in connection with the selection and addition of accounts designated to the master trust. How then does the consumer/investor owe debts to you? Why then, was my open- ended revolving credit account closed for non-payment? Please see attached current flow chart.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CO)

I have an apple card through Goldman Sachs and I was set up for auto pay with apple pay for my XXXX payment. Apple/Goldman Sachs auto-pay function did not process my payment and I was charged {$36.00} in late fees. Payment was due at XXXX  on XX/XX/XXXX. On XX/XX/XXXX at XXXX the auto pay went through and instead of taking the prior month balance, they took our two months balance of approx {$3900.00}. I called to dispute the interest payment as it was an error on their side. Furthermore, they did not take any responsibility for over debiting my account for two months instead of the one month that was only due. I should have received interest from them for the over debit to my account. Lastly, I called to ask for backup to the interest calculation. I called 20 different times and spoke to numerous supervisors and Goldman Sachs never provided me with any backup to the calculation of the late fees charge to my account. Goldman Sachs did credit me {$25.00} recognizing that this was their error, but they would not credit the full amount back. I demand {$11.00} credited back to my card that was charged in error. I also demand full back up of their opaque late fee calculation. And I demand interest from them for auto debiting my account two months and over {$3000.00} more than what was owed on XX/XX/XXXX. I lost one month of interest on the {$3000.00} and at 5 % annual interest is approx {$12.00} in interest they owe for taking 2 months of payments and not the one that is contractually obligated. Goldman Sachs has horrendous customer service and the level of ineptitude and shady business practices is alarming. I have grave concerns about how they treat customers with these over charges.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

I currently have a positive credit card balance of + {$5300.00} on a closed apple card account that I have been unsuccessfully trying to be refunded back to my bank account. I have called 4 times requesting for this balance to be refunded to my linked bank account ( XXXX  XXXX XXXX account ending in XXXX ) and every time the Apple Card team tells me they are have an ongoing ticket with their backend team to process it. 

My apple card account if the one associated with email XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX  loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent XXXX loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed from my credit report
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in the process of checking my credit with the credit agencies and I noticed XXXX loans under my name that i did not open and have no knowledge about. i believe these are fraudulent XXXX loan accounts opened in my name which is now affected my credit i need these removed immediately please. 

The fraudulent auto loans are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have or own a XXXX and neither do I have any XXXX related with XXXX XXXX. 

I have filed an FTC report for these fraudulent accounts and I really need help getting this removed from my credit report
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus Experian XXXX And XXXX Under the laws of the FCRA these unauthorized inquiries and accounts must be removed
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on XXXX Credit Report with Toyota Motor Credit Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding inaccurate information present on my XXXX credit report, specifically in relation to an account listed as belonging to Toyota Motor Credit. This information is negatively impacting my credit score and I believe the following laws may have been violated : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation relates to the definition of " initial communication '' within the debt collection process. I contend that Toyota Motor Credit or a subsequent debt collector may not have adhered to the stipulations of this regulation in their communication practices. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation requires that debt collectors provide validation notices outlining certain information. I believe that Toyota Motor Credit or a subsequent collector may have failed to provide a compliant validation notice. 

12 CFR 1006.34 ( d ) : This regulation outlines requirements regarding the content of validation notices, and it is possible that the notice I received was deficient or misleading.

15 USC 1681-s2 ( 7 ) ( A ) : This law mandates that furnishers of information to credit reporting agencies have a duty to investigate and respond to disputes in a timely and accurate manner. I believe that XXXX has failed to adequately fulfill its responsibility under this law. 

In addition, I am requesting that this debt be validated.
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX I received {$1000.00} in bitcoins from my girlfriend. It was deposited straight into my Crypto Wallet. My goal was to cash it out to pay our bills. I have not been able to send, withdraw, or sell my Bitcoins. The app keeps saying " We can't complete this transaction right now ''. 

I've messaged their support team right away that night. Ever since that I've been getting no messages besides the same copied and pasted messages saying they have no control over their system but to try and logout and re-install the app. I've tried that as well and it did not help. Every day since then I've messaged them with screenshots- video recordings showing the issue. Not one resolution has been provided. I keep getting a new support rep that sends the same messages over and over. This has became an issue for me and my family. I am now going to be late on my mortgage payment since they are holding our funds with no resolution.
Consumer complaint received 2024-01-06
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I attempted to open a secure business credit card, i didn't agree with the terms, they told me it would be two weeks before i get my money back and my rent was due. I was hoping to pay my rent with the credit card, but i needed them to correct the terms. There where a few parts in the agreement that i brought to their attention. Here they are as followed. I dont agree with the Following Paper work summited after my colleterial was taken, SUCCESSOR AND ASSIGNS section which states, You agree that we may at any time assign or transfer to another person your Account, you Account balance, or this Agreement. The persons to we transfer or assign your Account., your Account balance, or this Agreement will have all of our right under this Agreement. You will not assign or transfer, any of your right or duties under this Agreement, and this Agreement is binding on your successors, heirs and legal representatives and upon anyone to whom you assign your assets or who succeeds to them. This is clearly fraud if this company wished to control my company and it's likeness, the agreement would have to be unilateral. My company XXXX XXXX XXXX XXXX has licenses that we issue for this particular situation. I mentioned this once in the case previously filed with the cfpb on XX/XX/2023 against the company Bank Of America Inc Complaint Number XXXX. This company is clearly attempting to commit fraud. And i attend to correct this issue. This is my company XXXX XXXX XXXX XXXX letting them Bank Of America inc know, that without my signature and company issued licenses, all their Bank Of America Inc agreements are considered relinquished to my Company Trademark and personal name for the attempt to fraud me out of my company. I will be moving forward with activating this credit card, Bank Of America will be extending me a credit limit and line of {$20000.00} unrecoupable. And i will keep full ownership of my company name and likeness, no one shall have the ability to take ownership of the new activated account without written notice from our company XXXX XXXX XXXX XXXX, we agree upon here.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX is telling Experian that I have XXXX accounts with them when I actually have XXXX. They are violating the law because they are reporting incorrect information on my credit report. I do not care if they no longer are the creditors or own the debt. They are the ones listed on my credit report not second round. They also have XXXX XXXX account listed on their twice with a different account number. How are you not breaking the law. My credit is tarnished and I am unable to get a housing loan being of your incompetence. I demand compensation and will be getting a lawyer involved.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (TX)

I applied for the XXXX XXXX XXXX XXXX XXXX  on Thursday XX/XX/2022 through Synchrony Bank. On my transunion credit report it is showing XXXX inquires when I only applied XXXX time. I contacted XXXX and they told me to contact the lender to get a deletion letter. I contacted Synchrony Bank and they said they only show XXXX inquiry and that they couldnt help me and told me to contact XXXX to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.