davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BUSEY BANK (IL)

Some time in XXXX I noticed a fraudulent transaction on my account and it is not showing up on my bank statement and it shows up on my report but it shows that my account is still active and that I am still waiting on the payment from the last time that it has happened. My cash flows are not shown on my bank statements anymore only the totals but on the account that they have been deposited in my checking accounts so Im going on the website to get a check for my account to go through and I have a new balance for the money that was deposited on the bank card so Im going to get that money today so Im not going into any trouble right away but it is not lining up with the money that Im getting from the account that Im using right now and the debits are not showing in the accounts that are being deposited in my checking accounts so its going through the bank statements which I need for the money that Ive already put into the account number and I dont have to pay for my bank statements.
Consumer complaint received 2020-07-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (NY)

Hello. On XX/XX/2020, Santander reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that Santander will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to express my continued concern regarding the accuracy of the information on my account. Despite assurances of the account 's verification and accurate reporting, the data remains inconsistent and inaccurate. I have disputed and requested a reasonable and thorough investigation regarding both accounts numerous times. My request for original documentation, encompassing signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation as inaccurate and incomplete information is still being reported. 

Contrary to Transunions claim of a thorough verification/investigation process, the following discrepancies persist on my Transunion credit report which are inaccurate : Account XXXX XXXX XXXX XXXX acct # : XXXX 1. Account number : Account number is inaccurate. 
2. Monthly payment : Monthly payment for this account was not XXXX. 
3. Date of last payment : No information provided. 
4. Payment history : Payment history is inaccurate across both bureaus, Transunion and XXXX. 

XXXX XXXX XXXX XXXX acct # : XXXX XXXX. Account number : Account number is inaccurate. 
2. Date opened : Account was opened in XX/XX/, this account is over 7 years old. Shouldnt it be deleted from my Transunion credit report? 
3. Account status : Transunion states this account as PAID, that is inaccurate as this account has been CLOSED. 
4. Terms : Transunion states the term were 0 months for this which is inaccurate. 
5. Comments : Not consistent with XXXX 6. Payment history : Not consistent with XXXX. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report, and I insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inaccurate. This a Fair Credit Reporting Act ( FCRA ) violation. Rather than requesting a re-investigation, I am requesting the removal/deletion of both accounts from my Transunion credit report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

US Bank advertised the opening of a new account to receive {$500.00} if the following requirements were met : Open account by XX/XX/XXXX {$100.00} Minimum Deposit {$5000.00} deposit within 30 days Enrol in online banking 5 transactions within 90 days. 

I completed all of these requirements and did not receive the bonus. I contacted customer service and they agreed I had met the requirements and opened up a case for resolution saying they would contact me upon completion. A month later I never received follow-up, so I called again, and received the runaround trying to say somehow I didn't qualify, when clearly I did, and US Bank had admitted as such in previous conversations.

I have copies attached of the offer terms and conditions. US Bank has my account information which clearly demonstrates fulfilling the terms of the offer. US Bank is attempting to bait and switch me, after giving me the runaround from customer service. The company is not acting in good faith.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/ I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE CALLED AND THEY DO NOT UPDATE MY PERSONAL INFORMATION AND THESE ARE NON-MAILABLE ADDRESSES. 

MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2023-11-21
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. (KY)

Ive recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained to your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. If you do not have any documentation in your file to verify the accuracy of these disputed accounts than please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My Transunion credit ( Transunion file # XXXX ) report shows delinquency ( XXXX XXXX XXXX XXXX ) and I started a dispute on XX/XX/XXXX and sent them a proof from XXXX XXXX XXXX that I am not late ( USPS tracking # XXXX ). They finished a dispute on XX/XX/XXXX and I started another one on XX/XX/XXXX and sent them another proof from XXXX XXXX XXXX ( USPS tracking # XXXX ). I called them maybe 8 times and I talked on the phone. Despite of 2 proofs from XXXX XXXX XXXX still it shows a delinquency in my credit report and the problem is it doesnt have a Reporting Key. I attach all proofs and papers. Please you need to take into consideration that Transunion violates my rights and FCRA regulations. If it is not solved in a short time, I will take a legal action! Because nobody can play with my credit.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MO)

Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof. There was no valid original documentation and no receipt from USPS of any correspondence. Therefore further measures will be enforced up to and including contacting the XXXX  and Attorney general to resolve this matter.
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I 've attempted to make payment arrangements/offer of settlement with Capitalone, however, they insisted on a high payment totaling or equal to over  XXXX  for one month. I can not afford this amount and they are not open to any settlement offer either. I 've attempted to make payment arrangements via live chat in the past, however, the last rep was uncooperative and a separate complaint was filed in re which was not resolved. The balance is over  XXXX  and some charges are fraud, not authorized by myself. I believe a offer of settlement is fair, considering the fraud charges. How ever, Capitalone  will not accept. Since they will not accept settlement offer and or payment arrangements, please advise them to cease and desist from contacting me
Consumer complaint received 2023-11-21
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. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-05-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (IL)

Amount {$1300.00} I'm a XXXX Veteran that has Never been late on a payment, then I experienced a Financial Hardship because my XXXX XXXX XXXX, which I must have for my XXXX, needed repair. This has caused me to fall behind each month while they continue to Call and send Harrassing Letters. I explained the issue and asked if I could Skip/Delay 1 month payment. 

They stated I must submit Paperwork like when I first applied with them, bank statements, credit check, tax returns, W2 forms, have my home Re-Appraised, etc. which is a XXXX XXXX for XXXX XXXX XXXX and even require a Credit check on whoever lives in the house and are Not even on the mortgage. Because of a hardship after making repairs to my XXXX XXXX XXXX and there isnt ANY damage to the home they require my home to be Re-Appraised because of this Vehicle financial hardship?
Consumer complaint received 2023-11-21
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. (IL)

In accordance with the Fair Credit Reporting Act these accounts below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$140.00}
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (PA)

Last year and I got into an accident at the end of XXXX I got my car from XXXX in XXXX at the day after XXXX the accident happened XXXX until XXXX in the morning time lady ran a stop sign and she ran into me she was in a rental car and I was on my way to work my car was still running so they wanted me to take it to the body shop to get fixed. 

So they set me up appointment to take it to the body shop took it to the body shop it been in there for 45 days 43 days it supposed to be in there only for 40 days but the parts took a long time to get back so when they did get back they start taking off the parts and they seen that the shaft the arm shaft the XXXX holes up the engine frame the hood frame was bent so they deemed as a total loss I lost my car that day when he said that but I haven't been in compensated from actually getting a new car they just paid my car off {$12.00}, XXXX. 

Ever since then I've been calling XXXX I've been calling the department to ask them why they is that showing on my credit like that that's a lot of money y'all paid the car off y'all paid it off early for me I'm supposed to pay it off at 6 years with that happening I ain't got paid off in less than a year so every time I try to actually don't call around and look for a car it's still showing that it's still my credit on the site because it is still marks me as me having the car they want me to trade the car in for something else but I don't have the car no more so I'm asking you can y'all please help me resolve this and get this off my credit cuz this is the biggest loan that's hindering my credit and I got others I'm trying to get off as well
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This complaint is to inform the CFPB the Equifax in improperly reporting inaccurate information on my credit report. 
And have failed on their promise to remove the items since since XX/XX/XXXX. 
XXXX XXXX XXXXi account number XXXX XXXXl XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. Another XXXX XXXXXXXX account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX. As of today, these items are still updating on my credit file.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please check the enclosed documents. I would like the bureau to commence an investigation into these accounts where I have a history of timely payments, despite being inaccurately reported as late.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC (TX)

On XXXX/XXXX/2023 Spring Oaks Capital , LLC contacted a family member without my consent and told them the amount of my debit, who the debt was originally with, and gave an offer to pay off with a link. This is a violation of my privacy. 

The message was as followed This message is from Spring Oaks Capital , LLC. 

Your XXXX XXXXXXXX account originated by XXXX XXXX is now owned by Spring Oaks Capital SPV , LLC. We are willing to accept {$300.00} to resolve your account for less than the full balance. 

We request that you review and take advantage of this offer by 2023XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

See the offer at XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; XXXX located in XXXX, TX and TRANSUNION located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, XXXX, XXXX AND TRANSUNION has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, XXXX AND TRANSUNION has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX