davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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. (FL)

The unverified accounts indicated below continue 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 these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I recently turned in my Kia vehicle and entered into a new Kia lease. I was told that the dealership would help with the excess mileage charge from the other vehicle that was XXXX. I got a mileage bill and was told by the dealership ( XXXX XXXX ) that they tried to contact Kia Finance but could not get the mileage waived. Frustrated, I called Kia Finance and spoke with XXXX at ext XXXX. XXXX said he would help with the charge removal and told me to call him back on XXXX ( day after payment was due ). I called non stop, waived the do not call request, and left a multitude of messages. XXXX never called me back and nobody helped me with this. I paid the account in full and then Kia posted a non payment to the credit bureaus even though it showed paid on their end. This dropped my credit score some XXXX points. This is awful and I need help. The excess mileage bill was paid! I do not like Kia 's handling of this matter and will never use another Kia vehicle again once my current lease in the new car expires.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
Consumer complaint received 2019-12-05
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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2019 I got an alert from a credit reporting agency about an enquiry from Syncb/paypal on that same date. Since I did not request any credit, it was cearly fraud so I called Paypal the next day to have them remove the enquiry from my report. 

I was told that since it was fraud, that it would be removed in next 7-10 days, I do not have a reference from that call as I left it in good faith. 

On XX/XX/XXXX the enquiry remained on my credit report, therefore hurting my credit score, so I called back again. The rep at Syncb/paypal said they didnt have any record from the first call, so I asked for a reference number, wich they gave me. It is XXXX. The rep told me once again that I would get a resolution in 7-10 days and a letter in the mail to confirm resolution. 

End of XX/XX/XXXX the enquiry still remains on my credit report so I called back again, give them the reference number but still no resolution and they now tell me it takes 2 months, and one has already gone by and my credit score is affected, The rep tells me however it will be solved very soon. 

Today XX/XX/XXXX the enquiry still remains, and I therefor I am wishing to file a complaint. 

It is very unfair for them not to escale an issue where I am not at fault. Some third person tried to open a card in my name, and was fraudulent. They acknowledge that the credit request was fraud, so why am I held hostage to the adverse enquiry on my credit report. 

Please someone help me, Paypal is not cooperating and I dont trust they willk remove the enquiry in a timely manner and its affecting my credit score, in a time where I am trying to get the best score possible.
Consumer complaint received 2024-06-09
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: EQUIFAX, INC. (FL)

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Consumer complaint received 2024-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

In XXXX I was able to apply for Borrowers Defense against repayment for my federal student loans due to the gross misconduct conducted by the XXXX XXXX XXXX XXXX 

They were found on multiple counts to be guilty of, violating US consumer protection laws in federal court. In addition to exaggerating job prospects, the lawsuits also allege that XXXX underestimated program costs and lied on financial aid forms to receive larger loans. During the financial aid process nothing was explained to me, nothing was told to me in a way that would help me understand what was going on with loan terms, amounts, or interest rates and saddled me with XXXX in debt upon graduation. Recruiters were found to violate a federal ban on per capita incentive compensation. For this and the reasons stated above I believe not only did the XXXX XXXX XXXX XXXXXXXX mislead me into enrolling there but I also believe their actions were criminal and have caused a great financial strain on my shoulders. 

I have repeatedly relayed this same struggle to Navient regarding my private loans as not only the monthly payments were a struggle to meet. Additionally, Navient was sued by the AG of XXXXXXXX  and was found guilty and had to cancel the debt of those within a certain time frame. There were also additional parameters that I was told I did not fit. Although I was never ale to confirm this as Navient would not provide me with any evidence.
Consumer complaint received 2023-05-14
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-12
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has inaccurately violated my rights. Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. I applied for this inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the removal date for all should have been XX/XX/XXXX and or before XX/XX/XXXX, It still has not been removed
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One had made an unsafe demand that I pay my account on a date completely contrary to the reporting and standard bill date. This erroneous command by the credit card company caused my ( great standing ) credit card to b =e reported for several months as a delinquent account. I rrepeatedly asked for details and corrections but they ignored the safety of the account. I am repectfully demanding the account be return to it's good standing.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I applied for an XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from Bank of America. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my Bank of America XXXX XXXX was approved and that the welcome package and card ( XXXX ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX XXXX XXXX XXXX from Bank of America was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in 7-10 business days. I received the welcome packet and card on XX/XX/2022. I contacted Bank of America to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The Bank of America representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that XXXX had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in 3 to 5 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXXXXXX XXXX XXXXXXXX benefits had been upgraded. I had not requested a XXXXXXXX XXXX  XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXXXXXX XXXX XXXXXXXX cardholder. I received TWO identical XXXX XXXX XXXXXXXX welcome letters upon my return. I called XXXX and cancelled this credit card on XX/XX/2022. 

On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX # XXXX, 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.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

You responded to complaint XXXX stating that the company verified the account. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation and that you didn't reach out to determine whether they're listed the right way. I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, remove this late payment from this account immediately.
Consumer complaint received 2023-04-14
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance:XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This information on my credit report is causing undue financial harm to me and my family in an global pandemic I have disputed multiple times and still no response. Please investigate an Remove these items from my credit report as it is inaccurate and false reporting
Consumer complaint received 2024-07-11
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. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ) i have attached copies of my id
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sentry Credit, Inc. (TX)

I received a call on .y work number from. An XXXX who bullied a rep to transfer her to me. I am not allowed personal calls at work. I have never heard of Sentry Credit Inc. I have no business to my knowledge with them. The rep XXXX didn't want to respect my request to not contact me at work. She continued to try to keep me on the phone. I advised XXXX I had no clue who she was & my work number can not be called. The number she called from is XXXX. This company can cost me my job by calling me at work.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc (CA)

On Tuesday XXXX I got home and checked my mail. I noticed a I had received a debit card in my name that I never created from Venmo. On the Letter it didn't even have my full last name. The customer support service was closed at the time. I called the next day on XXXX to let them know that my identity was stolen and that it wasn't me that had opened this account. They opened a case for it and told me they are going to let me know what will happen. On XXXX I received a email from Venmo telling me that they suspended the account. They also told me that they have removed my contact information from their system as of XX/XX/24 and that the account is also restricted from transacting further.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TN)

I reported check fraud to Truist Bank on XX/XX/XXXX. A check I made out to CMS medicare in the amount of {$1200.00} was apparently stolen and the payee and amount changed to {$5000.00} and subsequently deposited into the fraudulent payee account at XXXX XXXX XXXX Truist case no. XXXX. 
A notarized affidavit was sent in via local Truist branch the same day. The local branch representative stated this was a common occurrence and was usually deposited into XXXX XXXX via mobile app. ( which I have since learned is called check washing ) A police report was filed XX/XX/XXXX ( case XXXX ) with the local police department with the same information. Once again police stated this happens a lot. 

Truist Bank has denied my claim for reimbursement.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TN)

Bridge Crest financial is reporting on my consumer report. I never received a letter from them asking if they had permissions to report this on my consumer report. I find this to be a violation of my rights and fair credit reporting as a consumer I have the right to what is reported on my credit. This has kept me from purchasing a XXXX as I am a XXXX trucker who is desiring to own my own truck. For the betterment of my family welfare. Under section 1604 ( 15 U.S.C.1681b ) Im requesting that this account be removed from my credit report immediately. 

I have proof from XXXX that call me and stated this is on my Report and I could not purchase until this is taking off. My name is XXXX XXXX, ss # XXXX address XXXX XXXX XXXX XXXX tn again please remove this from consumer report.. thanks