davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX CO XXXX Balance : {$5100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This month I paid some of my credit card bills online. When I submitted the payments, I had enough money in my account. However, I bought something on XXXX, and they overcharged me. I noticed the error and corrected it with XXXX. They refunded me the overage on ( XXXX ). However, this overage put me in the negative and I did not know it. I just so happened to check my account ( XXXX ) to make sure the refund was applied and noticed that my bills had been paid but my account was negative {$32.00}. I had not received notice from the bank that my account was negative, and it was late when I realized it, so I had to go to the atm the next day ( XXXX ) to deposit more money. I brought the account up to a positive {$8.00} and thought that was all. Today, XXXX I got an alert that my account may be insufficient funds and one of my bills payments was returned. The notice on XXXX was the only notice that my account was overdrawn. I went to my account ; part of my paycheck had been deposited, adding additional funds to cover the payments. Now my payment has been returned and I had to send another payment to cover the amount plus any fees that I may be charged. 
I know that the bank is doing this because of a lawsuit that they won. I know that I still owe them money and have not been able to pay because of some medical issues I face but sending back my other payment for spite is just over the top. I told them upfront that the account they sued me over was opened by a family member. When I realized they had the card I ripped it up and thought that was the end of it. I was a minor and in the middle of planning to go to college and did not realize that I had to call the bank to close the account. I just cut up the card and sent it back. I found out that they had another card resent claiming it was lost. I have let the lawyers know about my medical and financial issues, so I dont know why every month I payments have sent back after I have put money in the account to cover them. 

When you cost me money with my other creditors this only delays my ability to pay off the judgement.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Hello, in XX/XX/XXXX  we filed the following complaint with the CFPB. 


" While shredding some old files, I found a Capital One brokerage account that my mother and I jointly held. We are not sure if the account was liquidated or transferred to another brokerage firm ( as Capital One no longer services brokerage accounts ). I am looking for more information on this account ( its status- was it transferred, or previously a {$0.00} balance at the time Capital One ceased servicing it )? '' We would like the case reopened. We're attaching a file from Capital One with the account details to help Capital One locate the account.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (UT)

I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.
Consumer complaint received 2022-11-22
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
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)

XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Recovery, Inc. (LA)

On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX  and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act.
I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.
Consumer complaint received 2023-03-03
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. (NC)

Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife and I created the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This is still valid, it has been valid with XXXXXXXX XXXX then BB & T and now Truist. 
In XXXX of XXXX we added an XXXX XXXX XXXX. 
This is The XXXX and XXXX XXXX XXXX XXXX it is dated XX/XX/XXXX. 
on XX/XX/XXXX this was filed with a local Truist branch. 
Both trusts are identified by my social security number. This is stated in section 1.07 No New Tax Identification Number for the Trust. 
" Pursuant to federal income tax law, this trust qualifies as a " grantor trust '' for income and estate tax puposws in accordance with Code Sections 671-678 and is not required to have a separate identification number. The identification number for this Trust is either of our social security numbers ( see Code Regulation 1.671-3 ( a ) ( 1 ) ). 
Their 'back office ' wants to recharacterize our private trusts as business trusts. They never contacted me, our Truist branch. They just arrogantly and arbitrarily made ur are making unilateral changes to our accounts. It should be noted the original trust of XXXX is still in effect, the Legacy trusy of XX/XX/XXXX in also in effect. They have been with Susquehanna Bank, then BB & T and now Truist. No problems until this 'merger ' of equals. If more info is needed contact me or my attorney. 
2NOTE : My State of Maryland contact used the phrase 'Systemic Problem ' once I told her my sources had indicated approximately 60,000 accounts have been impacted. 
This was sent to XXXX XXXX This came to my notice on Monday XX/XX/XXXX, I called one of the Truist branches I deal with. The banker, XXXX, said yes his phone had been busy. The 'back office ' wanted to make our trusts into business trusts, all without my concurrence or even notice. nothing was done, no phone call from Truist, no email. this dragged into Friday the XXXX. I found a XXXX affiliate in NC that had, a year ago, a story on Truis and Social Security issues. So I called, talked to a 'reporter ' she took my info and contacted someone in Truist XXXX That as XXXX on XX/XX/XXXX. By XXXX a phone call from a Truist employee about my problem. I did not know this person nor his branch. It seemed my TV contact had hit a nerve. But arrogance dies hard. Today I filled with the North Carolina Commision of Banking. This was at the recommendation of the Maryland State Banking Commission because they think 'Sytemic problems exist in Truist for this behavior. I can supply the file number if you need it. So the Maryland Banking commission also offered your contact information, so here we are. 
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX MD XXXX XXXX XXXX IF NEEDED Attorney XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CT)

Around XX/XX/XXXX I received an email from my Citi/Sears Mastercard for an offer of no interest for 18 months AND a 5 % statement credit for a single purchase of {$540.00} or more made outside of Sears with  an expiration of XX/XX/XXXX. On XX/XX/XXXX, I made a single purchase of {$700.00} of home heating oil thus fulfilling the offers requirements. When I received the Citi CC bill in late XXXX, they had split the charge into two amounts of {$260.00} and {$430.00}, thus making me ineligible for the offer. My first call to Citi on XX/XX/XXXX resulted in my being advised to call the merchant because " ... Citi doesn't control that ''. A call to the merchant, XXXX XXXX, on XX/XX/XXXX informed me that " We submitted a single charge of {$700.00} but sometimes the bank will split a large charge because sometimes the credit balance on the card isn't high enough '', or something to that effect. A call to Citi on XX/XX/XXXX ended after 10 minutes when the rep. hung up on me because I had difficulty understanding her accent. A subsequent call on XX/XX/XXXX lasted approximately 45 minutes during which " XXXX '' ( male ) tried to remedy the situation by telling me to have the merchant refund the charge and then resubmit it and ask the bank not to split the charge. When I pointed out that the offer had since expired, he agreed that would not work. I finally asked him " It is Citi 's fault that I did not get my 5 % statement credit so are you going to give me that {$35.00} I'm owed or not ''. He said he can't do that and I said then I will have to file a complaint and see what happens. If I may add a personal observation : I have noticed numerous examples in the past decade or so of people no longer having the ability to make decisions even when they agree with the customer. They now are put in the position of trying to convince the computer that makes the decisions that it should do what they want it to do. At some point we humans have lost control and now are secondary to the technology that now so dominates every facet of our everyday life. 
Attached is a copy of the bill ( which has already been paid in full ) showing the split charges.
Consumer complaint received 2023-03-03
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. (VA)

I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 
Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission complaint # XXXX & # XXXX and Identity theft complaint # XXXX Also an affidavit of truth was submitted to the Consumer reporting agencies notarized inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-11-22
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. (PA)

Intent to file suit : violation of the FCRA Notice i XXXX : XXXX am making this document on my only accord and will, no third party was used to make this notice. I have filed multiple CFPB COMPLAINTS this year about the organization named XXXX, XXXX, and Experian, plus I sent previous letters, all by certified mail requesting that they stop furnishing inaccurate information on my consumer credit report and they have failed to do so. Exhibit A is attached, I can show a judge that these accounts are STILL inaccurate after 9 months of sending letters and filing complaints and that you violated the Fair Credit Reporting Act.
Consumer complaint received 2023-01-10
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 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 if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : - XXXX XXXX XXXX XXXX - XX/XX/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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX XXXX XXXX  case was closed XX/XX/XXXX. XXXX XXXX XXXX  sent a written notice that all accounts were paid in full. Info on XXXX XXXX XXXX shows that Credit Acceptance Corporation balance is paid in full - principal and interest, however ; Credit Acceptance Corporation states that {$8000.00} is owed despite what the XXXX XXXX XXXX says, what National Data Center shows, and my credit report. On XX/XX/XXXX of XXXX, I called Credit Acceptance Corporation twice, and asked to be emailed copies of the contract signed and detailed info on how {$8000.00} is still owed. The first rep stated that {$8000.00} is owed and claims he sent the requested email. The 2nd rep, stated that {$6000.00} is owed and claims he sent the requested email. I have yet to receive the information I requested from them. They did not send any copies which is a violation of the Truth in Lending Act.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OH)

On XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ), XX/XX/2018 ( XXXX ) my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.