davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

It started early this year, I wanted to refinance the vehicle I have with Concorde Auto Acceptance. I asked XXXX, the account manager over the vehicle if I am too, she told me I would not be able to refinance, even if I go outside. I also ask about returning the vehicle, once, and was told it would be a repossession on my credit, even if I give it back on good terms. 

So I became aware of another option and request my billing statements to be sent to me via mail, first via telephone, speaking with a few accounts, which all conversations recorded. I was decline and was given the payoff ( via email ) and an email to ask about getting my billings statements mailed. 

I sent a email to their support team on XX/XX/2021, where I requested billing statements, both past, current, and total. I was asked by XXXX, who implied he had authority on behalf of the CEO to make necessary decisions, who wanted me to send him my address, ID, employer, and last XXXX of my social security number, via unsecured email, yet, in a later email he told me that he/they take security serious and refuse to mail me my billings statements, even future billings statements, which I am entitle to legally, via mail. Later in the emails, he told me that I can pick up the billing statements in person ( which will be out of my way, financially, repetitively ), and after I was already told by the accounts in the office, that I would not be able to get, for they do not do remittance coupons billing statements, and everything is online. 

So after I came into knowledge and notice a billing error. On XX/XX/2021 I sent a billing error dispute to Pursuant 12 CFR 1026.63 " billing error, '' and Pursuant to 1692j the " bills '' Concorde Auto Acceptance furnishes are deceptive and it's a violation to federal law. ( The letter will be attached ) In response to the letter, which will be attached, I was sent a texted by the company and sent a letter to collect a debt, which has been causing emotional destress, for they attempted to tow the vehicle. 

They have not allow me, and still have will not allowed me to pay my car note, and have locked me out of my account online option to pay, which I believe, they are wanting me ti pay their insurance, which I already have my own. They forced ( because they will not allow me me pay my car note ) me to call my insurance for a declaration page, after I sent in my insurance card. Even though I have insurance outside of them now, they are denying me the right to pay my car note, which is causing me emotional and financial stress having to use XXXX or pay others to drive me around. When I spoke with XXXX keep saying they have to verify my insurance in order to let me pay my car note, but is having me call them, because they dont want to accept my insurance card. 

And instead of addressing the billing error dispute, I feel I am being retaliated against and it cause me emotional and financial stress.
Consumer complaint received 2021-12-28
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 (NY)

I was fraudulently charged for {$1300.00} on XX/XX/2021. I received a notification that my card had been charged when the charge occurred, and reported it immediately. The sole card that is authorized for this account was in my pocket and not in use. I reported to Bank of America and Bank of America 's investigation determined that a card chip was used and denied this request. 

My card was previously lost/ stolen, but when I requested a new card, the new card had the same number as the lost / stolen card. Bank of America confirmed this over the phone. Bank of America re-evaluated the claim and continued to deny the fraud claim despite this fact pattern has not provided any new reason for denial besides the usage of the card chip.
Consumer complaint received 2021-12-28
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: Neon Newco Corporation (OH)

I have had this card open for more than a year. Use it for my direct deposits from my employer and for all purchases. I recently returned 7 items back to XXXX and this company put hold on account. I tried to contact customer service and told nothing they could do. So now I can not access my money and company refuses to help. This is very poor as I should have access to my funds
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NY)

I have a credit card with Citibank since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the XXXX credit reporting bureaus ( XXXX XXXX, XXXX XXXX. I communicated with Citibank credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the three credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with XXXX, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my credit score and screwed my ability to apply for any loans since it is the oldest card i have.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (DC)

I opened the Barclays XXXX XXXX and More credit card largely for the benefits it offered, namely the conversion of award miles into status miles so that I can meet a Senator threshold with the XXXX XXXX and XXXX program. The credit card was advertised that holders can convert award miles into status miles at XXXX ratio. However, this benefit has not been conferred to me, despite having the credit card. 

Over the course of the last month and a half, I have called the service desk at least 4 times. Each time I was told that I am " definitely eligible '' for the conversion, and yet the option did NOT appear on the website where it is supposed to be executed. I was told that it is likely due to a technical issue since I meet the criteria and in XXXX cases I was promised that a case would be open. Only once I received a case number XXXX with an unsatisfactory response telling me that " flight activity is required '' which I have plenty of. The issue still remains unresolved, despite my numerous attempts of speaking with representatives of the company. 

I have planned my travel such that I would be able to meet my goal of achieving the status by my own travel and by using the benefits of the Barclays XXXX XXXX and More credit card that are contractually promised but delivered.
Consumer complaint received 2021-12-28
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. (MI)

The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.
Consumer complaint received 2021-12-28
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. (MI)

The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-28
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (TX)

Please see the attached documents to understand what had happened.I 'm so stress XXXX  XXXX XXXX that I couldn't even eat/sleep properly because of what is happening to my credit report, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must delete the items identified as NOT MINE in a way that is fair and equitable to me as a consumer.
Consumer complaint received 2021-12-28
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. (MI)

The credit reporting agencies are still reporting the XXXX XXXX account ( # XXXX ) to my consumer report. According to the FCRA 15 usc 1692d, they are hendering my reputation. They are also in violation according to 15 usc 1681b ( 2 ). I am the original creditor and the natural person. I did not give them permission to furnish my consumer report.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IL)

This letter is a formal complaint against National Recovery Agency, a collection agency located at XXXX XXXX XXXX XXXX, PA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1. XXXX XXXX, Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 6. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 9. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 10. XXXX XXXX, Inquiry date : XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has failed to respond to my dispute, I have yet to hear anything from them. The letter is attached. I sent this letter which also contains my license for verification ( which should be more than enough to verify me being that they have my alleged information without my consent ) on XX/XX/XXXX. I received notification of receipt 2 days later being that their company is only 2 hours away. So there is no excuse.

Since Transunion it has been more than 30 business days since Transunion received my letter which is in violation of the FCRA. I am asking for the following accounts to be removed from my credit report immediately. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (IL)

This is a formal complaint against XXXX, EXPERIAN AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-28
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)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (DC)

A email was received that stated the account balance credit limit was reduced to XXXX $ from XXXX $ Due to inactivity ( carrying high balances ). 

I request that balances be reinstated to what they were previously
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

Starting XX/XX/21 we were notified by USAA that a check for about 45,000 was available for use in an account that has not been used in 5 years. Upon investigation we noticed that USAA accepted a check with no signature that was obviously fake. We asked for this to be removed and our account shut down. We were assured that our account could not be accessed, but we can not close the account until the investigation is over. We called today and after waiting 3 hours to notify them that there were multiple bill payments set up today by someone else, we were again assured no one could access our account. Our account now has over 20,000 dollars taken out. They continue to allow payments to be taken out though we told them they are fraudulent.
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (IL)

This is a formal complaint against EQUIFAX, XXXX AND XXXX. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.