davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (AL)

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XX/XX/2022. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

Someone by the name of " XXXX XXXX '' contacted myself, and my sister in law, demanding I contact the mediation department immediately. I called the number given and they stated I owe a balance for XXXX, which has since been paid off, closed and archived. I called XXXX to verify my account was no longer open, and the debt was paid off. XXXX stated my account has been archived and paid off. I continue to receive calls and my family members are receiving texts and calls looking for me. They are harassing my family and I, inviting they will " take further action if the debt is not paid etc ''. The phone number that contacted my sister in law is XXXX.
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

This company called Convergent Outsourcing keeps calling and sending letters. They claim to be debt collecting for XXXX and I have never even had a XXXXXXXX XXXX I read several other reports claiming the same issue on XXXX XXXX. If XXXX allows people to start an account with just a name and address without giving a credit card, couldnt anyones identity be used?!
Consumer complaint received 2018-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OH)

I keep paying on my loan and the amount keep going up. My principal when I bought the car was XXXX and thats the same amount still due. I paid almost 8,000 dollars to them so far and my principal never went down. They wrongfully repossessed my car once XXXX XXXX XXXX and that is a wrongful act of the fair debt collection act by Santander.
Consumer complaint received 2021-01-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/20 I 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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

On XX/XX/2019 I used US BANK XXXX application to send {$1500.00} to recipient XXXX XXXX who has a XXXX XXXXXXXX XXXX account. This is a deposit that I needed to provide to move into an apartment. US Bank marked on my end that amount was delivered and XXXX went into her bank account to retrieve it through XXXX. At that point the payment on her end was marked " Failed '' with no option to retry or retrieve the amount. She provided me a screenshot I've attached. 

I called my bank US BANK to complain that while they extracted it from my account and marked the transaction complete, delivered, the recipient did not receive it. I was told US BANK could not retrieve the transaction and to have recipient call US Bank. We called them together on XX/XX/XXXXand was told that there was a XXXX connection error and that the funds were never received by XXXX XXXX XXXX and that I should receive the amount back between 3-5 business days. It's been over 8 days and I have not received the funds into my account. I called US Bank to dispute this issue and they had no idea how to resolve and kept stating that funds were delivered while I mentioned no, the payment had failed and they should be able to connect with XXXX to see what occurred. Also, I tried calling XXXX, but they don't provide an option to help if you go through a bank because they have access to that information and they don't. US BANK alleged they opened a dispute but I have received no inquiry since then and it's been over 7 days. In the meantime, I had to cut another check from a different account to pay for the deposit. This is causing me hardship because I am out {$1500.00} with no help from XXXX XXXX XXXX ( because I have no account ), or Us bank. It is not right that both banks do not have the controls in place to reconcile when amounts are received in error. 

Additionally, US BANk written complaint channel via email is down. You can't actually follow up on your dispute without calling and as I mentioned, their agents have not been helpful with this matter. 

Attached screenshots -- proof of XXXX payment -- proof payment failure from XXXX XXXX XXXX and me having to pay a check from a different account to pay for deposit. I request immediate urgency to this matter.
Consumer complaint received 2022-12-30
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. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXXXXXX, and XXXX & I am including it againXXXX XXXXXXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$48000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}
Consumer complaint received 2023-02-15
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: BMO Bank, N.A. (AZ)

I am submitting this complaint due to BMO Harriss unfair practices and mishandling of my claim. They have been extremely uncooperative and their actions have continuously impacted me, and their customers, even after XXXX attempts to communicate and resolve this matter with BMO Harris Bank. I originally submitted a merchant dispute around XX/XX/22 ( Case ID # XXXX ) for about {$40.00} and provided some specific details on what happened. I placed an order with XXXX online and the place delivered the incorrect order. I called the restaurant where the food came from and spoke to the General Manager, XXXX XXXX who acknowledged their mistake and offered to refund my money, however because the charge went thru XXXX, XXXX explained I needed to communicate what happened to DoorDash so they could issue the credit. XXXX sent me an email message confirming/acknowledging I was owed a refund. I attempted to call and resolve the matter with XXXX explaining what happened, but they refused to assist me or communicate with the General Manager XXXX even after being provided with all necessary info and approval. 

When I communicated to BMO Harris what happened, I also provide them with the phone number to the General Manager of XXXX  along with an email and attached the email from XXXX, the General Manager at XXXX. The email again confirmed their mistake and that I was owed a refund. Since filing my claim with BMO Harris, I continue to have issues with gaining assistance in completing out this claim. I keep getting the run around and no one seems to know how to do their job or have the correct info. Each rep contradicts the other making it extremely difficult to trust or understand certain things which results in me trying to request to speak to a supervisor. BMO Harris has failed to completely due their due diligence in handling this matter and are violating the Truth and Lending Act by classifying and handling and my claim as a in good faith claim. The services rendered by the merchant were NOT delivered as agreed, which they acknowledged. BMO Harris has failed to explain to me why they have classified and handling my claim in such manners. I have attempted to escalate this matter multiple times with all failed attempts. I requested to speak to a manager more than 2.4 weeks ago, which I was told I would receive a call back within 24-48, and a manager just attempted to return my call the other day. This is unacceptable behavior and mishandling of my claim when BMO Harris has been provided with more than enough evidence and information to refund my money. I need your help in obtaining a refund and holding BMO Harris accountable for their unfairness and mishandling of claims.
Consumer complaint received 2021-01-01
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. (PA)

I am XXXX XXXX, writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-23
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. (IL)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I have multiple medical debts on my credit score with XX/XX/XXXXand Experian. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with XXXX, 5 collections through Miramedrg on XX/XX/XXXX. 1 collection through XXXX on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through XXXX on experian. I am disputing all of these on legal grounds
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

Received notice of a fraud alert on a card that I do not own but they had my name and last four digits of this fraudulent card # XXXX. Supposedly its a Citi XXXX XXXX Card!?! 
An account I never opened and I'm sure they just want me to call so they can scam me. 
The number they gave is XXXX, I couldn't get a reverse lookup confirmation that it has anything to do with Citi or not. 
I got a text message from them reading that someone tried to use this card that isnt mine, at XXXX for {$88.00} on XX/XX//2021. 
Any help would be great.
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is in response from my complaint to you submitted on XX/XX/XXXX. I received your results and you did not provide any method of verification. Who did you speak with at the companies? What date did you speak with them? What is their telephone number and address? Provide disclosures between me and the companies of me giving them permission to report to my credit report. I have a right to privacy on my consumer report according to 15 USC 1681 ( a ) ( 4 ) and any company reporting my information without my consent is in violation. Accounts I am inquiring about are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-30
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. (WA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later th
an 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. I've attached my FTC and Police Report for your reference. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have asked all three credit bureau 's to remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 

I have asked repeatedly that every name except XXXX XXXX XXXX be removed. i do not have aliases. 

I have repeatedly asked that any employment be removed besides XXXX XXXX XXXX be removed from my profile. 

Under 15 U.S. Code 1679c irt is unlawful to continue to report invalid information.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (WA)

This is a follow-up to a previous CFPB case ( case letter and loan number as well as previous correspondence attached ). Cross Country Mortgage took money out of our escrow account and paid the incorrect tax parcel due to an address mismatch. We first informed Cross Country of this on XX/XX/XXXX. Almost a month later we finally received correspondence from Cross Country Mortgage and a CFPB case closure notice indicating that they would refund the incorrect payment to our escrow and that our property taxes would be " completed on XX/XX/XXXX ''. However it is now XX/XX/XXXX and our property taxes have still not been paid, and late fees have now increased to {$600.00}. On top of that, on the servicer 's own website our address is still incorrect ( despite sending both physical and digital change-of-address forms multiple times in the past month ) and the tax parcel ID linked to the supposed payment is still incorrect. I want to note that dealing with this has been incredibly frustrating, since first calling in on XX/XX/XXXX I have made over 20 phone calls to Cross Country Customer Support, sent 5 different pieces of physical mail requesting address corrections and tax payments, and sent countless requests for support via customer email and chat. Not once have I received a non-form-letter reply via email, phone, or the chat system, the only response I have ever received has been the CFPB response letter, and even in that letter the things that were stated to have been done ( aka making the tax payment on XX/XX/XXXX XXXX have still not happened. Since this has occured, over {$600.00} in late fees have been added to my property tax payments, and this amount continues to increase month after month.