davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. The decased was in a position to tak advantage of me. I trusted him totally and he would take care of my bills. This creditor was notified of the fraud, XXXX - the police dept. will not provide a copy of the report. The deceased brother took money out of a bank account associated with this credit card without my knowledge and also opened up a credit card on this bank in the name of XXXX XXXX XXXX. If there was a signature it was was forged when the account was opened. Alleged Debtor is XXXX, was a victim of fraud. Citizens has been notified by email and documentation provided, but refuses to accept that this is fraud. Sent letters providing this information. They are denying the claim of fraud, although we have provided proof - and XXXX XXXX was not authorized on the bank account or was the credit card associated with this accout requested by me ... The bank let XXXX XXXX remove funds without my permission and opened an account without my permission. I have repeatedly told them this- now they have turned this over again, to collection. This is a fraud with charges made by a deceased party for things I did not know or receive or approve.
Consumer complaint received 2023-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a complaint asking XXXX, Transunion, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, Transunion, and XXXX have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Consumer complaint received 2023-10-03
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SENTE MORTGAGE (TX)

Sente Mortgage provided a notice of required flood insurance to a newly assed flood zoned property. The letter was not mailed out in a timely fashion and I received it on XXXX XXXX On that date I called my insurer and added flood coverage, which had a required wait period before its start date. My policy start date was XXXX XXXX Sente purchased and then charged me for an insurance policy for XXXX XXXX XXXX XXXX. I feel that this is a predatory practice, Sente provides a late notice then purchases a policy to cover the gap, knowing that even if a consumer acts in a timely fashion, the consumer can not possibly be insured within the specified time frame. All notices and mailings from Sente arrive approximately 12 days after being generated. Additionally, since the mailing occurred during the holiday season, it was even further delayed. I have brought this to the attention of Sente representatives, but they state that there is nothing that they are willing to do to remedy the situation. I am requesting a refund of the policy to be placed back in escrow and that Sente account for the delay in the time correspondence is generated to when it is received by a consumer. If a more detailed accounting if these circumstances is needed, please let me know as I have time, dates, and the names of the representatives that I have spoken with
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Notice Of Dispute - XXXX XXXX XXXX - XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX - XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX - XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX - XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX - XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies.
Consumer complaint received 2022-12-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX  XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the XXXX and Equifax Credit Bureau and the XXXX  XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (CT)

I purchased a vehicle and the dealership set me up with an account at Westlake Financial. I then went to their website to create an online profile and set up AutoPay. I didn't realize at the time, but when I set up autopay it had set it up for the second month rather than the first. The dealership wound up calling me to ask about the first months payment because the bank called to notify that it hadn't been received. I then looked online and realized and made the payment immediately. After making the payment the dealership asked for confirmation, so I sent the statement from the bank confirming the payment had been made. 

Westlake Financial accepted my first payment and then proceeded to sell my loan back to the dealership without ever notifying me or contacting me. The dealership then repossessed the vehicle, so not only was I out the car, but also the first payment that was made. 

I contacted Westlake Financial many times and asked to speak to a manager, etc and was never able to get the call escalated to anyone other than the initial representative who told me that Westlake has a buyback program with the dealership, but also wouldn't share the details of that program with me. No where in the contract I have with Westlake does it mention this. The only thing it mentions is a late fee for missed payment.
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have tried to open a different dispute with Experian for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXXXXXX XXXX has acknowledged that they sold my debt and that all payments should be made to XXXXXXXX XXXX. XXXX XXXX offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. XXXXXXXX XXXX  has to honor that. Experian, XXXX XXXX and XXXX is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show this.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2023-07-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: FIRST NATIONAL BANK OF OMAHA (SD)

Hello! This concern is regarding my recent XXXXXXXX XXXX XXXX application, financed by FNBO. I submitted my application on XX/XX/year> and it was placed into pending status. I would like to get more clarification on the current status of the application and the expected timeline for approval/denial. Has a verification letter been sent manually by mail as part of the fraud/risk strategy? Is the application pending manual review? I would love to provide anything needed to finalize the decision. This is the longest I've waited for an application sitting in Pending without some sort of update, even if it was to clarify that they will be sending additional verification documents in the mail. I am aware that it can take 10-14 business days to review an application ; does that mean they are all manually reviewed? Any help would be greatly appreciated! PS The front-line agent I spoke to ( XXXX , I think ) was lovely, but seemed to have no more access to the information than I did.
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

whenever I try to open account It is denied stating " You have applied a number of times and we can not verify the information you have provided at this time '' customer care said I need to wait 30 days before applying. 
I tried, it get denied all the time. 
all my information is correct. 
but they keep denying it.
Consumer complaint received 2022-12-09
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. (NY)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transactions in my dispute letter.
Consumer complaint received 2023-10-03
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. (GA)

I am writing to dispute the collection account on my credit report, XXXX XXXX XXXX XXXX, which is a result of identity theft. I have no knowledge or involvement in this account.

I demand that you provide : 1. Documentation of the original contract bearing my signature, validating my responsibility for this debt.

2. Proof of my involvement or association with the account in question.
Consumer complaint received 2023-10-03
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: ALLY FINANCIAL INC. (GA)

I viewed a copy of my credit report in XXXX of 2023 and noticed that there were some unauthorized and unverified inquiries on my credit report. I reached out to all three of the major credit bureaus which are XXXX, XXXX and XXXX to request these inquiries be deleted. They all stated that I would have to file a report with the FTC identity theft, for these inquiries to be investigated and possibly removed. I have taken these steps and followed the advice that was given to me by the representative at the Credit Bureau 's.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2022-12-09
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. (WI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-09
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. (WI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
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. (NY)

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.

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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act 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 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 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OR)

BSI is trying to bully me into automatic payment plan by refusing to deposit my payments and fining me : My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX I was fined {$63.00} twice now
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.