davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-16
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself
Consumer complaint received 2023-01-15
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. (IL)

To Whom It May Concern, I am writing to file a complaint against TransUnion credit reporting agency for violation of the Fair Credit Reporting Act ( FCRA ) and my privacy rights as a consumer. 

Specifically, TransUnion has failed to report my personal and account information with accuracy and fairness, in violation of U.S.C. 1681e ( b ), which requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, TransUnion has allowed hundreds of promotional and account review inquiries to my account without my explicit written or oral consent, in violation of U.S.C. 1681b ( c ) ( 1 ), which states that credit reporting agencies may only furnish a consumer report for " permissible purposes. '' This affects my ability to utilize the banking system fairly and hinders the permissible purposes of consumer reports by law. 

Additionally, TransUnion has violated my privacy rights by allowing unauthorized access to my account information, in violation of U.S.C. 1681b ( a ) ( 3 ), which states that credit reporting agencies may only furnish a consumer report to " a person with a legitimate business need. '' The burden of proof is on TransUnion to provide the most accurate information, as stated in U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Therefore, in light of these violations, I am requesting the following actions be taken by TransUnion : Immediate deletion of multiple repetitive addresses reported, to my current legal address ( i.e., XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX ) Deletion of all outdated employment history being reported ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) Deletion of all unauthorized promotional inquiries and account review inquiries Deletion of any third-party supplemental information that violates my privacy rights by law I am also requesting that TransUnion take XXXX action to correct any other inaccuracies or violations of my privacy rights as a consumer, and to ensure that all future reporting of my personal and account information is done with accuracy, privacy, and fairness as per the U.S.C. 1681e ( b ) and U.S.C. 1681b ( c ) ( 1 ) Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Kentucky Housing Corporation (KY)

I got behind on my payments. I spoke to them to try to get arraignments set to get caught back up. They were very rude not wanting to work with me. I went ahead and started sending in money to try to get it caught up and they refused my payment and sent it back to me. They have contacted me at work and I explained I was not allowed to have phone calls at work. Since I have asked them to stop calling me at work they still do. If I answer they hang up with out saying anything. If a co worker answers and they transfer them to me as soon as I answer they hang up. On one occasion I was on the phone and my co worker answered and explained I was on the other line and asked to take a message. They gave there name and number and that they were calling with Kentucky Housing Corp. Now my coworker is wondering why they are calling me here at work. It was very embarrassing. Not sure how to get this to stop or how to try to get caught up if they are refusing to accept any of my payments I have tried to send in. I dread every time my phone rings at work thinking that it will be them.
Consumer complaint received 2023-01-23
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. (LA)

When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-01-23
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. (AZ)

The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-23
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. (NJ)

This is my first 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 alleged fraud or extortion. 
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Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a member of USAA for almost 30 years and on XX/XX/2019 a direct deposit in the amount of {$4500.00} was posted to my checking account for my payroll. On XX/XX/2019 I tried to raise my atm daily limit from {$610.00} to {$4500.00} on the USAA app, but was only able to raise to {$3000.00}. I then contacted USAA via their 800 number and first spoke with XXXX, who told me that my daily limit was not going to be raised. I explained to her that was a payroll deposit and funds should be available for withdrawal, since there is no hold for direct deposits. She continued telling me that the atm daily limit could not be raised, so I asked to speak with a manager or supervisor and she continued repeating that my limit would not be raised and did not transfer me. I then rang up and called again and after one hour in between holds on the phone, I was able to connect with a member of the executive resolutions office, who told me that since I had an overdraft on the past 12 months, I did not qualify for an atm limit raise to withdrawal my own payroll funds. I had then to transfer part of my funds to my son 's account to access the entire amount of my payroll.
Consumer complaint received 2021-12-15
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. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2022, I wrote to Comenity Bank/Victoria Secret to dispute 2 late payments showing on my account. I advised them that I called member service when I got out of the hospital to file a claim with Account Assure as I would be unable to make my payment. I further explained that Account assure failed to make the payments in a timely manner and I should not be penalized for that, I further advised the representative that according to 15 US code 1681a ; Rules of Construction, paragraph 2 exclusions and sub paragraph A subsection I that transactions are not included in the consumer report. 

Comenity refused to remove the late payments from my credit report in violation of the afore mentioned code.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (SC)

This was in like 2016 and my card kept overdrawing money out my account I had to pay back {$XXXX} when I didnt overdraw money out my account because the more I didnt pay the more fees they kept adding on to my account and nothing was done by them they just closed my whole entire account down and I couldnt use it anymore
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency Convergent is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with XXXX XXXX  for the loan. I again called Convergent who seem to think this is still my debt. I called XXXX XXXX and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP (IL)

The process started on XX/XX/XXXX when US Bank was approached to sign a form. I keep getting delays and lack of responses from them. I have been told by two managers ( XXXX XXXX XXXX ) that they are NOT allowed to call me back to give me an update on the progress. I am required to call in each time and spend approximately 20 minutes re-explaining the issues. There is rarely any update or progress from that phone call. 

US Bank does not allow me to communicate directly with their Customer Service Research or TIC Request Department. If that could happen, I could answer any questions they have immediately instead of playing the wait and see, wait and see, and wait and see. 

Other dates of communication have been XX/XX/XXXX & XXXX and XX/XX/XXXX, XXXX, and now the XXXX.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Consumer complaint received 2023-01-23
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: CBC Companies, Inc. (OH)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2019-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I did not have the best of credit, my score was about 630. I had originated a loan XX/XX/XXXX on a XXXX XXXX XXXX with Credit Acceptance, XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX The loan document shows the amount financed was XXXX, at an APR of 22.99 % for a total finance charge of {$10000.00} for a term of 66 months, the monthly payment being XXXX with the first payment due XX/XX/XXXX. I have made my payments and have had no problems until I was involved in an auto accident on Tuesday XX/XX/XXXX. I even made my regular vehicle payment to Credit Acceptance in the amount on {$380.00}, on Friday XX/XX/XXXX. I regularly paid more than my monthly payment. 

On Tuesday XX/XX/XXXX The XXXX Insurance adjuster declared the vehicle a Total Loss and the at fault drivers insurance company, XXXX has issued a market value total loss payment check, made entirely payable to Credit Acceptance on XX/XX/XXXX in the amount of {$9300.00}. 


Credit AcceptancXXXX has generated a letter on XX/XX/XXXX. Stating they received an insurance check and made no reference to how much the check they received was for. They also claim I owe money on the loan since I did not have GAP insurance. No amounts given on the letter I have never received ANY telephone contact communication until XX/XX/XXXX, when I returned their missed call. Now they call every day, several times a day trying to collect a " deficiency amount '' that changes on EVERY phone call. It's insanity. 

My contract states a loan for XXXX, with a 22.99 % APR. It states the total finance charge would be {$10000.00}. For a total of payments being {$25000.00}. They credited only {$4800.00} finance charge rebate, which I find odd as there are 41 months left on the loan, The math does not add up, they FLAT OUT told me I'm not entitled to an accounting of how they arrived at the finance charge rebate. They threatened to RUIN my credit, The offered an {$800.00} pay in full settlement on Monday XX/XX/XXXX. When they called me on Friday XX/XX/XXXX the offer was {$900.00}. 
And they'll help me get another car. The joke is ON them, I have already purchased another car and I'm paying much less interest thanks to the timely payments of the car and several credit cards my credit score has gone up significantly since my original loan with Credit Acceptance.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (CA)

My wife is the primary account owner of a Citi credit card. My wife added me as an authorized user with my own card. I tried to add my card to my mobile wallet. Because I am not the primary account owner, Citi needed me to dial in for verification. When I called in, Citi did not ask for my information. Instead, they asked for my wife 's information. Specifically, they asked for her security password, they also asked for some of my wife 's account information related to another financial institution. 

I understand that Citi would need to verify the information of the primary account owner. I do not understand why they would prompt an authorized user to call in and supply information that is not theirs. Where Citi is aware that they are speaking with someone other than their customer, and that person is providing them with a security password that Citi knows belongs to someone else, this should immediately cause concern to Citi. Citi should not be encouraging their customers to share their passwords and other non public personal information with other people. Citi should not build verification systems around this practice. This creates a high risk of identity theft and fraud.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These dealership I disputed by calling, such as creditors or tax court, and identity type of item, such as credit account, judgment, etc. is inaccurate or incomplete because describe what is inaccurate o incomplete and whyl. I am requesting that the item [ be deleted or request another specific change ] to correct the item off my report please and thank you
Consumer complaint received 2024-01-09
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: BMO Bank, N.A. (TX)

I received a letter with my home address included stating a reason why a leasing application was refused from the Credit Company. Someone is using my home address for credit apply. I checked the company soliciting the credit request that was denied and was created last year which I have lived since the previous before that. I believe its a company engaging in Loan Bank Fraud.
Consumer complaint received 2023-01-23
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX