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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED. 

This is a violation of my rights and is subject to {$1000.00} in damages or more. 
Please send me a copy of my consumer report upon deletion of this inaccurate account. 
I will CC the CFPB and the FTC, my Local Police department. 

Sincerely XXXX XXXX.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Avant Holding Company, Inc. (NV)

In XX/XX/2022 AVANT pre-approved me for a {$2000.00} credit limit, with no affect to my credit score. Once I accepted a hard inquiry was pulled ( a hard inquiry, which hurts your credit ) I accepted because it was a good starting limit ( I had plenty of established credit in good standing ) I used the card once and then paid it off that month. Now I've had the card for 4 months, and without reason or warning I get a letter on XX/XX/XXXX stating they reduced my credit to {$300.00}, they site several excuses, all of which were exactly the same as when I accepted the offer in XXXX. The only difference was that my score had increased. I would NEVER have allowed someone to pull my credit for a credit card with a {$300.00} limit. Now I see all of the other reviews stating the exact same thing. This seems to be standard practice for this company. It is deceptive and ends up hurting your credit instead of helping.
Consumer complaint received 2022-11-03
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)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-30
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: Credit Karma (NC)

Credit Karma showed a few credit cards that they said I had an excellent chance of being approved for.. They also offered a guarantee that if I wasn't approved for it they would give me {$50.00}. I received the letter from the bank saying they declined it and I would receive an email with the information. Credit Karma stated that it took XXXX XXXX XXXX days for them to hear back. After two weeks I inquired about the {$50.00} and they said they would look into it and stated it could take up to 60 days to hear back. When I contacted them at the 5 week mark they said they hadn't heard back from me and closed the case. I asked them to reopen it to which they opened a whole new case and now are saying they need the documents from the credit card company as to why I was declined.. The credit card company doesn't keep documents that long and I believe Credit Karma knew that.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

I bank with XXXX XXXX. I used Zelle to purchase a puppy on XX/XX/2022 .These people had a website online and it looked legit. They began texting me and seemed very professional and asked me to send them money for the puppy I wanted. I was hesitant but was told after they received payment I would receive a sales contract and details about when I would receive the puppy. As soon as I sent money they began acting shady. They stopped replying to my messages then replied a couple hours later stating they became busy and that I would receive my sales contract shortly. I then just asked them to cancel my purchase and that I wanted my money back. I called my bank that same day... only hours after the transaction through Zelle to report it. They entered a dispute to Zelle and was denied my money back. Much later that evening they sent a bunk sales contract. It had wrong dates on it and even since haven't received my money back or a puppy.I since have been contacting the person that stole my money which was in the amount of {$710.00} dollars and they have made threats to me. I will be going to the police about this.
Consumer complaint received 2022-12-30
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/, Barclay 's Bank of Delaware pulled my report without my permission. I disputed this inquiry with XXXX I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file and certification. company name : XXXXatclay Bank of Delaware DATE OF INQUIRY : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-11-03
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: Southern Auto Finance Co (FL)

I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a vehicle through credit acceptance a few years ago and I had to let the vehicle go because of the super high interest rate... I basically paid 4 the amount in 4yrs. And they still have a balance of XXXX showing up on my credit report and this is a XXXX XXXX XXXX  which is ridiculous!
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

On XX/XX/year>, at approximately XXXX and XXXX my account was logged into from a foreign device and transferred all my money to my checking account and then was emailed to two separate email addresses. first emailed to ( XXXX ) Totaling in {$2000.00}. Then emailed to ( XXXX ) for {$1200.00}. 

When opening a dispute, the company in question, which is Chime, had denied my dispute within a few days Mutiple times. I logged in and took action on this matter within 30 minutes of it accruing and was still denied.
Consumer complaint received 2022-11-03
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. (NJ)

What's going on there at the CFPB and to Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed. Im attaching again the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX, XXXX XXXX, XXXX A XXXX XXXX
Consumer complaint received 2022-11-03
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. (NJ)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (PA)

Santander never informed me they charged the vehicle off back in XXXX or XXXX but kept harassing me and my husband threatening to repossess the vehicle. One representative stated they want the full balance no payment installments or they will come take the vehicle. I reached out the Santander a numerous amount of times through the online website in their chat but no response until months later. When I finally spoke to someone, she told me the car was in the fraud department. 
I answered plenty of calls and they threatened to take the vehicle but did not ask for proper location status. Instead, they attempted to collect a debt so they are in violation of this 15usc 1692b ( 2 ).

They are also in violation of 15 usc 1692d ( 5 ) with the harassing phone calls. They call all times of the day and night. If I miss the call, they call back to back and call my husbands phone harassing him. If yall charged it off a long time ago why keep calling and then saying we are trying to locate the car could you tell us where it is. Knowing where its at. 
The representative was very unprofessional and discriminated against me in several phone conversations. She said to me they gave you a car without having a job mm thats XXXX and I said wait excuse me, then she said well you have to pay this and that. 
There are a numerous amount of violations when it comes to this company.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MO)

I sold my XXXX at XXXX & I got {$300.00} on a vanilla gift card, the next day I go to order food and Vanilla card is Declining, I go to check the balance & I put the card info in & It says " A System Error Occurred " I call the number on the back of the card XX/XX/2022 the hold time was 40mins to 1hr, so I waited to call the next morning, XX/XX/2022 XXXX XXXX, I called and talked to a lady & she told me that the card was on hold and all she needed to do was reactivate it & the lady activated it and it worked after that, XX/XX/2022 XXXX XXXX, I try to get an XXXX with my Vanilla card & I saw the same error message from XX/XX/2022 so I already knew it was on hold again, I Immediately called Vanilla & they said the card has been compromised due to fraud, they know what they're doing & everytime I call it's always a foreigner, I never called in about any fraud concerns... they told me they could not activate the card because it had been compromised, so for one they put me card on hold without my consent & they told me I would have to wait 7-10 Business days for a replacement card & I told them I have thing to do so I did not have that long to wait I talked to the supervisor named XXXX & he said he could not activate it, & they had no other solution for me except send a replacement card, so pov I was trying to buy food online and they put my card on hold and said it was fraud even tho I'm the only one in possession of this card & they put it on hold bc I tried to also get an XXXX, and now I have to wait 7-10 days for ( MY MONEY ) I'm now looking into who owns Vanilla Gift Card so I can get what is rightfully mine.
Consumer complaint received 2024-02-26
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. (IL)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2022-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (KY)

My mortgage was transferred to Truist bank. They appear to be completely unavailable to contact via email or messaging on their site, and to call during business hours ALWAYS results in at least a 30 minute wait. ( Usually much longer. ) I have received a sickening amount of junk mail since the transfer of this loan, and wish to opt out of having my personal information shared. I never consented to have my information shared in the first place, in fact had submitted in writing to my former mortgage company that I did not want this info shared, so I feel that information should have transferred to the new company. 

I am submitting a complaint about the info sharing and the complete lack of availability of customer service to attempt to rectify an issue. I feel like a customer service email should suffice for this request ; it shouldn't be necessary for me to wait on hold for 30-60 minutes to speak to someone just to ask for them to stop sharing my private information that I never gave them permission to share in the first place. I'm extremely unhappy that my mortgage was transferred to a company with this low level of concern for my privacy and ability to contact them, and frustrated that there is apparently absolutely nothing I can do about it.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I had some XXXX XXXX  done at XXXX XXXX. They gave me financing for {$2200.00} for 5 years. My payments started in XXXX of XXXX with Delta XXXX. The financial specialist at XXXX XXXX estimated my payments at {$55.00} per month. I started paying $ XXXX per month the entire time for a total of {$3200.00}. The Amortization Schedule shows a total of payments of {$3200.00}. for a 5 year loan of {$2200.00} with total interest payments of {$970.00}. 
Delta XXXX had been charging 28.99 % {$900.00} and 14.99 % on {$1300.00}. 
I sent the information with my documentation to their XXXX XXXX XXXX XXXX, Ohio on XXXX and they sent back the information on the website NOT the total amount paid on the account to date. 
I have communicated with their customer service line and they informed me they don't have any information on the account beyond 1 year. They suggested writing the XXXX XXXX XXXX XXXX they couldn't give me the info. 
I have XXXX sales contracts XXXX signed on XX/XX/XXXX for {$1300.00} and the other on XX/XX/XXXX both for 14.99 % interest.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens bank froze my online access on or around XX/XX/2023. I received a letter stating that my accounts were closed but funds would not be issued until XX/XX/2023, this sizsure and delay of the availability of funds is unacceptable.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Sent Validation letter ( XXXX XXXX ( XXXX KB ) they sent back a response ( XXXX XXXX ) but failed to show what was requested, sent paper with no signatures & what looks like a template ( not real paper work ) showing amount I supposedly owe.
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX have sent over several request to Experian in regards to the misinformation on my credit report. And in response they come back advising that the information is verified but don't advise how when asked numerous times. And they send generic letters out saying that they think I disputed in error. I have attached all my complaints and their respective tracking numbers showing that I have also re sent them via certified mail to them as well. They have also neglected to update any of the disputed information to reflect they are under investigation after receiving my documentation. 


The company has already exceeded the time allowed to address the concerns. 
Please be advised by law they have 30 days to correct an issue or address it. And for FTC they have 4 days both of which have been ignored by the company. 

These complaints have also been uploaded to their document upload portal. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX