davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (AR)

I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (IL)

Bought a new XXXX truck, got a free 30 day package of XXXX, upon speaking with an XXXX rep i was told my card wouldn't be charged during their sales pitch, and it was. There's an instant XXXX charge for signing up for additional coverage. They lied and likely have been for a long time
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am aware that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting. According to the law, I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-04-28
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. (NV)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$6800.00}, XXXXXXXX XXXX XXXXXXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX, XXXXBalance {$4700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2023-12-27
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)

I realized I have damages on my credit report which is preventing me from buying a house for me and my children. I have reached out to all credit companies they refuse to update addresses and inquires that are not mine. They refuse to remove closed accounts which is preventing me credit. I've already filed the class action lawsuit for data breach for XXXX I am a victim. I've asked them to remove fraud alerts and freezes with no resolution. 
XXXX, TRANSUNION, XXXX
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (AZ)

I applied for a {$10000.00} auto loan at PNC Bank where I have a checking account on XX/XX/XXXX in good faith to purchase one of two XXXX XXXX vehicles that were recently advertised by a XXXX dealership in XXXX, California and a private party in XXXX XXXX, Arizona. Less than 5 minutes after I left the bank to go by to my work location at XXXX XXXX XXXX I received an email notification that my application had been rejected. When I called the bank the next day the employee at the bank claimed that the bank had done their " due diligence '' when coming to a decision to deny my loan application. I am XXXX XXXX XXXX and collect Social Security while working full-time at XXXX XXXX XXXX  XXXX I believe my age played a role in my loan application being denied. There are no records of any soft or hard inquiries from PNC Bank for the month of XX/XX/2023 when I applied for a loan. My disdain for this bank and its disrespect towards me should not be tolerated and now executives from the bank are trying to contact me to talk about what happened and the way I was treated. This is no way to treat loyal customers.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/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
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX XXXX in regards to not being able access my consumer  report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing XXXX  was saying. 
She stated I couldn't get access to my online report for another 30 days when the XXXX XXXXXXXX XXXX  report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the XXXX XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXXXXXX I told I have not got a report in XXXX years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a XXXX she connected me to XXXX  who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX  said They don't need to follow that process when I stated that 15 USC 1681b that they must have XXXX XXXX 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is XXXX  being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of XXXX recent and current XXXX XXXX XXXX {$23.00} XXXX. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need XXXX  to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to XXXX  yet my score with XXXX is XXXX They need to be shut down because clearly
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXX I deposited money into a XXXX banks ATM at XXXX using a USAA  debit card. I got an error receipt stating to contact my institution which is USAA. so on XX/XX/XXXX I filed for a case and then it got denied XX/XX/XXXX because they have no transaction but thats because my bank is USAA and not XXXX Bank who would have the transaction since its their ATM and did not contact XXXX Banks to further investigate because they dont have ATM rights. USAA told me to file a claims case with XXXX Banks but I can not do that because XXXX Banks is not affiliated with me in any sort of way besides that I used there ATM for this transaction. And under Regulation E, USAA would be the liable party to help me with filing a case and getting XXXX $ to my account since Im affiliated with them and used their card in the ATM. Since then they tell me they cant help because that dont have the ATM right but XXXX Banks also cant do anything since they dont have my identity in there institution at all. Its now XX/XX/XXXX and they keep telling me they cant help even though Im their affiliate bank and they have no way of resolving this issue in the present or future so they are going against Regulation E and being the liable party for my account and money
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I disputed incorrect information contained in my credit report in a letter dated XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from CAPITAL ONE. In the letter, I informed you that the account XXXX was legally paid in full after collection status, but I have yet to receive a 1099 c for this write off. In addition, Capital One is in violation of the FCRA for reporting inconsistent information such as the date last active, high credit limit, and payment history. If you are reporting different information to each credit reporting agency, how is the information furnished credible? This is clear and obvious negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. Please see the attached credit report showing that this account was paid in full, and the inconsistent information.
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

MOHELA shows my loans are in Standard ( Level ) Repayment ; however I completed a federal " XXXX XXXX XXXX XXXX XXXX XXXX Request on the XXXX website on XX/XX/XXXX to change repayment to " Income-Contingent Repayment Plan. '' This request still shows to be in review ; however my student loan payment is due XX/XX/XXXX at the current standard repayment rate. I am requesting my repayment plan request be processed and if accepted, reflected on my statement, before I submit payment on XX/XX/XXXX. If this is not possible, I request Mohela/DoE set the loans status to administrative forbearance until the the request has been processed ( and if approved, reflected in the amount due per the updated repayment plan ).
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (SC)

Credit card was applied for and filled about by store employee I was never given any information about Credit account - no interest rate, payment schedule or type of credit card. 
Lowes home improvement centers issued me a Commercial Contractors Credut Card. 
I am a XXXX single homeowner living on XXXX. .. this acct calls for full repayment of goods purchased each month Not your usual method at over time credit card. 
I can not afford these fees or harassing phone calls I feel my rights have been violated for I would have NEVER. Agreed to sign up for a card like this. 
Lowes I found out has five different types of credit cards- I was NEVER given a choice, I was sold a 5 % savings if I got a credit card. 
I was not told anything else about this credit card. 
The have been trying to fix it with lowes and synchrony bank for four months with no help
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

So i woke up on a XXXX  morning to a charge of {$300.00} from my BofA checking account, i called the customer service and they told me it was due to a collection from my previous account that was closed out in XX/XX/2022 ( almost XXXX years ago ). Now I have single idea of any account closed out in XXXX, no statement was sent to me, no mail, email, text message, calls was provided to me about such transaction or close out and now waking up to a debit of XXXX from them without any prior notice? I have asked them to send me receipts, evidence of the transaction, of the notice they sent to me which they never provided and i am seriously livid. 

Bank of America can not go around deducting cash from customer account whenever they choosing without any notice, arrangement or explanation.
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (MS)

On XX/XX/2022 I entered into a simple retail installment contract with XXXXXXXX XXXXXXXX XXXX XXXX  also known as Bridgecrest. I was mislead to believe that I needed to commingle a cash down payment and that this was a loan. I was told I had to put an cash down payment of {$2800.00} down. I signed a promissory note along with a security agreement which created a negotiable instrument. Earlier this year my vehicle was then stolen by this company they are now falsely reporting and interfering with my pursuit of happiness. There is a great deal of fraud and misreprsentation invovled in this transaction and Bridgecrest/XXXX needs to be held liable.
Consumer complaint received 2024-04-27
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX  XXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00}
Consumer complaint received 2024-04-27
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. (TX)

i have submitted multiple times supporting documents to all three credit report agentcies, they are not in complience they are reporting incorrect information on my credit report. 
please advise that i need assistance to resolve this current problem.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Recurring ACH Debit Dear Sir/Madam, I am writing to formally file a complaint regarding an unauthorized recurring ACH debit from my bank account. Despite multiple attempts to resolve this issue with my bank, TRuist, they have not taken appropriate actions to address my concerns. 

The details of the unauthorized transaction are as follows : - Transaction Amount : {$38.00} - Monthly - Most Recent Occurrence of the XXXX - Bank Account Number : XXXX I have contacted the bank multiple times stating that I did not authorize these charges. Despite my clear request for them to stop this recurring debit and issue a credit for the unauthorized transactions, my request has been repeatedly ignored or denied. 

I request the Consumer Financial Protection Bureau to : XXXX. Investigate the unauthorized XXXX transactions debited from my account. 
XXXX. Ensure that [ Bank Name ] stops any further unauthorized debits immediately. 
XXXX. Secure a refund of all unauthorized charges debited from my account, totaling [ Total Amount Disputed ]. 
XXXX. Investigate the practices of [ Bank Name ] in handling such disputes. 

I trust that the Consumer Financial Protection Bureau will take prompt action on this matter. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, [ Please make sure to replace the placeholders with your specific details. Also, it's advisable to send this letter via certified mail or another trackable method to ensure it is received and to keep a copy for your records.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Per FERPA ( FAMILY EDUCATION RIGHTS and PRIVACY ACT ) enacted in 1974, I have a right to privacy of student education records. XXXX has repeatedly violated my privacy & has failed to remove these items from my credit report.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IA)

On XX/XX/2023 chime closed my account which contained XXXX dollars for unknown reasons. When I reached out to the company they said I needed to provide proof that my deposits were legit and meant for me which I provided and I still do not have access to the funds nor my account. They will not give me my money back and are not providing further information on my funds or the account being closed for illegitimate reasons.