davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (AZ)

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

ON XX/XX/XXXX we purchased a hotel stay through a merchant known as XXXX XXXX in the amount of {$440.00}. 

This was related to a trip to XXXX. 

ON XX/XX/XXXX we cancelled the trip due to the Pandemic related closure of XXXX. 

ON XX/XX/XXXX the Merchant approved a refund in the amount of {$330.00}. They indicated it would take 15-30 days for them to process the refund but that never happened. Further the refund should have been for the original amount of {$440.00}. 

ON XX/XX/XXXX the Merchant issued a credit in the amount of {$440.00} to Bank of America.

Bank of America never deposited those funds into our account. 

We filed a complaint with B of A to look into it and they closed the case and claimed the merchant did not authorize the refund but as you can see from the attached the merchant approved the refund. 

We spoke with B of A operating unit that closed the claim and they suggested we visit the Branch and provide them with the documents that showed the merchant 's approval of the refund. Even though we had already faxed it to that unit and they lost it.

We went to the Branch and spoke with the Manager XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX, NV. XXXX. We gave her the all of the attached paperwork and she said she would resolve the issue. 

Subsequently we received another closure letter and went back to the Branch to speak with XXXX. She had lost the paperwork at that point and did not remember what took place. The operating unit at B of A had asked us to get a time stamped copy of the fax from the branch to the operating unit but XXXX could not produce that document. 

We escalated the issue to XXXX XXXX XXXX VP and Consumer Banking Market Leader Telephone XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, NV. XXXX. Once again he said he would resolve the issue. 

Mr. XXXX kept us updated for a few weeks and claimed he was looking into the issue and eventually the last time we heard from him was XX/XX/XXXX of XXXX with no resolution. 

We have not heard from anyone since then
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$310.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (LA)

SECOND ATTEMPT!!! These Accounts must be removed immediately. I am not aware of their origin, and I do not remember any such accounts belonging to me. I demand that if you do not provide proof these accounts be removed within 7 days from the receipt of this notice. By law, and according to the FCRA I have the right to know what information you are using to report this information on my report. The following accounts must be removed NOW!!! XXXX. XXXX XXXX XXXX {$350.00} XXXX. XXXX XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX {$1000.00} XXXX. XXXX {$140.00} XXXX XXXX XXXX XXXX {$870.00}
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.
Consumer complaint received 2020-03-04
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-05-14
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I originally made three ( 3 ) transactions on XXXX for Bitcoin XXXX BTC ) payments. Each payment went to a scammer unknowingly. The scammer refused to provide the product as he promised, leading to the final realization that I was truly scammed. 

The three ( 3 ) transactions were all online, each occurring on XX/XX/2021, XX/XX/2021, and XX/XX/2021, in that respective order. The total amount of money scammed through the online platform Moonpay.com was {$6200.00} XXXX USD worth ), which is a high number. 

Afterwards, I then filed three ( 3 ) separate claims through my bank, Bank of America, hoping that they would fully reverse all the amounts into a refund back into my checking account. Unfortunately, Bank of America refused to refund each transaction, meaning that I had to pay back the full monetary amounts within one ( 1 ) month of claim closures. They denied the claims because they told me that the transactions were authorized by myself, which is true, but the money went nowhere useful, so it is lost, for now. 

I am extremely disappointed with how this all turned out so far, and now I am scrambling to get my money back that I lost. I will contact the Delaware Department of Justice Attorney General as soon as possible so I can get my money back legally and without any issues moving ahead. Hopefully a final solution will be resolved. 

Please see the six ( 6 ) supporting documents that describe this complaint in full. Three ( 3 ) of the documents are the online PDF claim rejection letters from Bank of America, while the other ones are just JPG screenshots of each of my claims on Bank of America 's website, indicating the claims ' processes with given timeline dates.
Consumer complaint received 2021-05-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (GA)

I received calls from the debt collector and the debt collector changes the number they are calling from. In addition to XXXX, there is also XXXX, XXXX. 

This is related to previous cfpb complaint numbers : XXXX XXXX I am unemployed and can not make payments. This is a temporary situation and was explained to Hyundai and the creditor both on the phone and in writing. Two letters were sent requesting a payment plan so that I can make minimal good faith payments somehow. 

When I spoke to the creditor on XX/XX/13, the creditor said they receive my first letter requesting a payment plan, but I would not receive any payment plan in writing, that it would not happen.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my car so I never gave my info to have them to check for financing from various banks. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

The payoff keeps changing I only owe XXXX XXXX  with one payment left now my account is lock out also my account is up to date ally Financial is giving me a hard time at end of loan I called several times and get hung up on I have XXXX XXXX of the loan paid off Im trying to end the loan which is a very difficult process with ally I dont deserve this I had this loan from XXXX with XXXX XXXX interest rate can u please help
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (TX)

XXXX of texas was the closing title company. I signed my loan documents on XX/XX/2021 and still the loan is not closed. XXXX XXXX says they never received payment. XXXX says they sent the money. I am already due for my loan payment
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MN)

Multiple issues with trying to pay off loan. Moneylion has been taking a " subscription fee '' of {$19.00} every month since the loan started. Every attempt to pay off the loan has been rejected and any help from phone calls are non-existent.

I have called Moneylion multiple times and they recommend that I add another debit card to pay it off, but each time only the " subscription fee '' has been taking off of the card instead. Any attempt to pay off the loan has resulted in a " we are sorry, call back within 3-7 business days and we will attempt to fix the issue again ''.

Because of MoneyLion will not let me pay for my loan, I have been frequently getting missed payments added to my credit report, resulting in my credit score tanking. They LOVE to take money from me as a " subscription/membership fee '' but will reject all attempts at loan payments.
Consumer complaint received 2021-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (SC)

XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, XXXX, and Experian, but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Consumer complaint received 2023-06-02
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. (IL)

To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX & XXXX XXXX {$120.00} XX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for
Consumer complaint received 2021-05-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (LA)

I had an auto loan that went into default in XXXX of XXXX with XXXX XXXX XXXX XXXX. They eventually transferred the file to some collection attorney who I have never received a phone call or paperwork on. Back at he end of the year knowing I was getting to the 7 year mark I started a dispute with XXXX to get this item removed from my credit report. Based on previous credit reports obtained from XXXX and the correct data of when the loan went into default the 7 year mark would be XX/XX/XXXX. I received info back from XXXX  stating the company has certified the info is correct. I than sent a letter with back up paperwork with previous credit reports from XXXX  showing where it was originally noted that this info would come off my credit report in XXXX of XXXX. Please note that it is not on my XXXX  report or XXXX and hasn't been for some time. After XXXX  received my 2nd dispute the results came back ( which I will attach all info ) and states the company that reported the information has certified to XXXX  that the info is correct. I have sent dated documents to XXXX  which I will enclose and I feel that this Collection agency is lying and not giving them accurate information. Please help me as this company is reporting negative and inaccurate information on my report. I have tried to reach out to them via letter and have been unsuccessful in receiving a response. Name of Collection Firm is Grant & Weber
Consumer complaint received 2021-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (MD)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.