davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (TX)

Transunion XX/XX/23 This letter is in response to your claim XXXX XXXX XXXX has verified that the account that they are reporting is accurate. 

Please be advised that I have sent in a letter requesting a method of verification. Transunion has not responded. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) and ( 7 ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-17
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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (CA)

I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford Credit rude , suggestive, derogatory and favorable to their affiliate XXXX XXXXXXXX XXXX  with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. 
Here is the complaint revised. On XXXX XXXX XXXX I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my XXXX account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford Credit provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?
Consumer complaint received 2023-09-05
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. (MD)

In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXX payment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I received an email alert from the credit bureaus reflecting that my credit score had dramatically decreased due to an account status change on my XXXX credit card. 
to my astonishment my credit report was suddenly reflecting 30 day late payment history for 5 months in a row. I sent XXXX a certified letter on XX/XX/XXXX to request that they investigate the situation. I was told that my payments were considered late when I was enrolled in a workout program the year prior. I was offered to enroll in this program to reduce the monthly minimum payments for of 5 months to stay on track I was diligent in adhering to my agreement and always paid all my payments on time since my credit card was opened back in XXXX. .I was never informed or provided with any type of notice or disclosure concerning this matter. this is simply unfair business practices. I have requested that XXXX remove the late payment history as a courtesy and they declined. 
there needs to be accountability with creditors. consumers are being damaged by their actions. I affirm I was never late on my payments so my account history should be adjusted to reflect on time payments.
Consumer complaint received 2023-02-17
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: OneMain Finance Corporation (NY)

An account with ONEMAIN was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2021-03-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XXXX, 2021 two fraudulent transactions were processed on my BOA account. On XX/XX/2021 I called Bank of America to report the fraudulent transactions. The fraudulent transactions are in the form of a " requested refund '' - which I did not request nor authorize. When I called on XX/XX/2021, I was informed that a " claim '' would be filed & the issue would be resolved in 5-7 business days. I did not see any resolution or status update. I called BOA again on XX/XX/2021 ; XX/XX/2021 ; and again on XX/XX/2021 - each time being told a " claim '' was being filed & it would now take another 10 business days. I have never received a follow up from BOA or any kind of a claim number. The amount I am disputing totals {$5500.00}. I've also recently noticed a charge for " interest charged on purchases ''. I have NEVER seen this type of charge on any of my billing statement. I am curious if this new " interest '' charge is retaliation for my complaints. The disputed amount is an enormous amount of money for me & my family. I have been a BOA customer for 17 years, never missed a payment, have never had a dispute before, and have excellent credit. Feeling helpless regarding personal finances is unacceptable. Bank of America has been negligent regarding suspicious activity on my account, and in their flippant resolution practices.
Consumer complaint received 2023-08-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Longbridge Financial, LLC (FL)

Hurriane Ian damage, our insurance carrier issued a check in both the homeowner and Mortage company, which was not a problem, however we can not get our funds form the reverse mortgage company, they have a contracting service called XXXX XXXX XXXX is administer claims like this. They will not release the funs after 10 months. We can not complete the repairs, we lived with mold in our house for 8 months, had mold migration .and now waiting for XXXX to schedule the work Now they say we defaulted, because they said we did not pay the taxes for XXXX, which we did, and we are getting the documentation from our bank to resolve this issue. Property tax is a matter of public record which anyone can check. We do not have the funds to pay for repairs, we used all of our savings right after the Hurricane for immediate. 
.needs. Between the nasty letters, leaving messages at our doorstep and countless hours
Consumer complaint received 2023-08-17
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. (OH)

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  UNAUTHORIZED CREDIT PULLS
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am writing this personal statement to formally request the placement of a fraud alert on my credit report. Understanding the potential risks of identity theft and fraudulent activities, I am taking proactive measures to safeguard my financial well-being.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last week I sent TransUnion a letter asking for the support of the FCRA 605B law. I sent an Identity Theft Report and Police Reports to the credit reporting agency.

They have five days to remove the identity theft trade line from the credit reporting system.

I had to wait 30 days for the credit report to advise me that they would not be removing the identity theft accounts and the massive amount of fraudulent inquiries. 

I had to go to the lawyer for counsel for this matter because I have to sue for damages pain and suffering.
Consumer complaint received 2023-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX DEBT COLLECTION COMPANY IS REPORTING ON MY CONSUMER CREDIT REPORT WHICH IS IN ACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF BALANCE TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL OF SALE. 

ACCT # XXXX ACCT # XXXX ACCT # XXXX
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment on the XXXX of XXXX and I still have no available credit update as of the XXXX of XXXX so I call in and they tell me again for the third time historically in the existence of my account being open for 6+ months that my money will be in hold for a month until they release it. Like how I said this is the third time they have some this with no warning and holding funds for months collectively. I need this problem solved and my money released within the 1-3 day credit update time frame posted available credit within the 1-3 day time frame from fund extraction date posted and clear answers in written form per policy that is accessable and observable on the consumers side to better help me understand and avoid this financial issue.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

While in the process of fixing my credit this all of a sudden shows up on only experian. 
Experian is a terrible company and ive had nothing but problems with them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Consumer complaint received 2023-07-15
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. (GA)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-17
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. (PA)

After recent review of my Credit Reports I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge og : 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 2023-08-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.
Consumer complaint received 2023-08-17
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arias Bosinger (FL)

I RECEIVED A LETTER FROM SOME LAWYERS, WHO ACT ON BEHALF OF THE ASSOCIATION OF MY HOUSE, INDICATING THAT I HAVE TO PAY FOR A DEBT THAT WAS GENERATED AS A RESULT OF THAT NOTIFICATION, THEY INTEND THAT WE AS OWNERS OF THE HOUSE ARE THE ONE WHO ASSUME THESE COSTS AND IT IS UNFAIR SINCE WHAT THEY ALLEGE IS NOT REALLY TRUE
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (FL)

I have and account thats not mines on my credit report XXXX XXXX XXXX thats not mines but the credit bureau XXXX refuses to remove it even after notes from creditors stating they have no acknowledgement of this account.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (FL)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 usc1681 section 602 states I have a right to privacy 15 usc 1681 section 604A it also states a consumer reporting agency can not furnish an account without my written instruction.Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I had a promotion on my Synchrony Discount Tire card for 0 % until XX/XX/2023. I forgot to pay the remaining balance before the accumulated interest went on my balance. I called on XX/XX/2023 to ask if there was any way to remove the accumulated interest. They replied by telling me there was a 30-day grace period but since we are 2 days past the 30 days, there was nothing they could do. The XXXX was a federal holiday. the XXXX was a Sunday. Banks are usually closed during weekends and holidays. NOWHERE on the bill did it say when they were open/ closed or what times they were open/ closed. 

This was all, of course, my error. But to include a holiday weekend in the grace period, is pretty scammy for a bank. 

I've had a handful of store credit cards under synchrony and EVERY SINGLE TIME, i close the account as soon as my balance is paid off. not because I don't use those stores, but because Synchrony has ALWAYS given me trouble. there site won't let me log in half the time. their customer service reps BARELY speak XXXX... it so hard to understand what they say. And they have pretty sketchy " fees '' ; now this!
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (FL)

A new XXXX XXXX XXXX we leased with Ally Bank on XX/XX/XXXX for 42 months with a mileage allowance of XXXX miles with excess miles to be charged at {$0.00} per mile. ( XXXX XXXX # is XXXX ). Additional damage protection was purchased which included protection for {$400.00} of excess mileage, i.e. 2,000 more miles bringing total maximum allowed miles to 37,043 before excess mileage would be charged. 
The leased vehicle suffered a total loss due to Hurricane Ian on XX/XX/XXXX. Actual mileage at time of loss was 31,500 as reported on " CCC One Market Valuation Report '' prepared for the insurance provider and Ally, who received considerably more than the lease buyout agreement and has claimed and kept {$3200.00} for " Excess Mileage Charge Owed '' and has only refunded to me a balance of {$92.00}. This would be equivalent to a claimed 16,157 miles over and above the basic 35,043 miles allowed, bringing the total mileage of the car to 51,200. They are denying any knowledge of the additional 2,000 mile protection, but that is moot as the vehicle was still 3,543 miles below the total lease allowance. 
Attached is the letter from Ally, the CCC One Valuation and a Mopar Extended Warranty purchased for the XXXX on XX/XX/XXXX which shows the mileage then as 30,001 - it would have been almost impossible to add over 21,000 miles in exactly 2 months.

Every attempt to get answers to the letter that Ally sent on XX/XX/XXXX claiming we owed {$3200.00} for excess mileage has resulted in misdirection and obfuscation. This is either a gross miscalculation bordering on negligence or a deliberate attempt at fraud.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Please remove this charge off from XXXX XXXX XXXXXXXX XXXX, This account has been charged off, the debt collectors has gotten a tax write off for this debt and I haven't received a XXXX c form my past due date says XX/XX/2023 and this account has been written off for yeqrs now please remove these from my credit report this is a violation of 15 USC 1692 ( c ) ( c ), 15 USC 1681 and 15 USC 1666b