davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc. (CA)

On XX/XX/2020 the company called me with yet a different number. I answered the call and explained to the representative that I have previously spoke to a representative and made arrangements to pay when I can. I let her know that at this point I was feeling harrassed and to please stop calling. She laughed, she said to say that as long as I owe the debt they would continue to call. Well, since that day they have continued to call. They let it ring 2-3 times before hanging up and not leaving a voicemail. They have tried contacting me with various numbers as well.
Consumer complaint received 2022-11-25
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not update these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-05-24
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. (MD)

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I was trying to take my rent money of XXXX  $ I got 4 receipts stating that it was fraud and I wouldnt be able to get the money I called boa fraud number and they said they were pending charges the charge went thru for 1 and the charge was made and I never got my money Ive called boa they havent wanted to do anything to help me I submitted a report with the XXXX XXXX XXXX and the XXXX said Bank of America was goin to call me and tell me whats goin on with my claim bank of America hasnt tried contacting me to the day I tried calling them and the representatives say they have no idea what Im talking about I been a valued member for 15 years and they dont care for me or helpin me with this problem all I want is my money back and close this bank account they are thiefs
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, they are are not presenting and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 USC 1681.

Section 602 states I have the right to privacy 15 USC 1681, Section 6O4A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666-B. 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 2020-01-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (MN)

In XX/XX/2017, I ( XXXX XXXX ) paid an amount to Ford Motor credit to settle my loan. My vehicle was repossessed, and there was a large deficiency balance owing. We came to an agreement on an amount, I do not recall the exact amount, but it was around $ XXXX I was told if I paid this amount, my loan would be considered paid in full. I did this, they gave me a letter stating I owed them no further money that I will attach- and my loan reports as Paid in full to the credit bureaus. Last week, XXXX XXXX and myself received a notice from the IRS stating we failed to file a 1099C for forgiven debt. We had no idea this was a requirement, or that more monies would be owed to the IRS if we paid less than the actual amount on our loan. Ford Motor Company did not do their diligence as a company to inform the consumer there would be adverse affects and more money to pay if an agreement was made to pay less. We were told this was resolved. No further obligations. Now we are being charged {$3400.00} in back taxes for not filing the 1099C- Ford should have communicated this requirement to us, they did not. We want a letter from ford waiving the 1099C- as this was not properly disclosed.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

I have been having problems with Chime for over 3 years. I recently, XX/XX/22, requested to close my account after dealing with them about identification verification issues for the months of XXXX and XXXX. After getting my permit, I was still unable to successfully prove who I am due to the fact that I got a REAL Permit. All in all, my refund check of ~ {$130.00} was sent to a different address because of all of this. I am no longer caring about the refund check, all I want to do is let people know about Chime.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX  ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer report
Consumer complaint received 2022-12-27
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. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-01-03
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I AM DENIED CREDIT BY EXPERIAN CREDIT REPORTING SERVICE, XXXX XXXX, XXXX XXXX XXXX  & XXXX PREPAID  DEBIT CARDS, XXXX  XXXX XXXX & OTHER BANKS & CREDIT REPORTING SERVICES. THE ATTACHED ARE PAID IN FULL, OR DEBT RELIEVED AT TIME OF SERVICE. 
XXXX XXXX XXXX OF FLORIDA, XXXX PHARMACY ACCOUNT # XXXX I WAS NOT ADVISED AT THE TIME OF SERVICE AT XXXX XXXX XXXX XXXX FL & US1 XXXX  MINUTE CLINIC THAT THERE WERE CHARGES OTHER THAN THOSE PAID BY MEDICARE PART A EMERGNCY SERVICES. I DID NOT AGREE TO ANY PAYMENTS. 
CLERK OF COURTS XXXX XXXX TRAFFIC VIOLATION CASE # XXXX XXXX/1999 {$200.00} WAS PAID IN FULL IN DUE TIME. 
XXXX, XXXX, XXXX & XXXX ATTORNEYS ( XXXX ) XXXX CASES XXXX, XXXX, XXXX {$450.00}, {$380.00} & {$33.00} ALL PAYMENTS WERE RELIEVED, CASES WERE FOUND XXXX XXXX ALL TIME WAS SERVED & FINES & FEES EXPUNGED. 
XXXX  XXXX XXXX {$730.00} IS A WRITE OFF FROM BANK, CHARGES WERE PAID OR WRITTEN OFF BY XXXX XXXX XXXX IN A HOUSING FRAUD ISSUE, XXXX XXXX XXXX WAS THE PAYEE AND STATED ALL WAS PAID IN FULL ( PARTIAL PAYMENT WAS ACCEPTED AT TIME OF SERVICE ). 
XXXX XXXX {$490.00} ( XXXX ) XXXX XXXX  XXXX XXXX  IS A EXPERIAN CREDIT CARD, IT WAS PAID IN FULL. COMPANY LOST PAYMENTS, CARD WAS CANCELED.
Consumer complaint received 2023-05-15
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. (AR)

I submitted a letter to the Transunion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$53000.00}
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

A credit check is nothing but verification of the identify of an applicant. That's it. 

These financial intuitions receive your information given via application and then, if accepted, they inform you of the acceptance of the application and your credit amount. No " money '' is given - only information is exchanged. It's just like a 1031 exchange under 26 USC 1031, their privacy policies are most likely elections to not be treated as a partnership with applicants under 26 usc 761, and it is all XXXX. 
It's also looking like the need for verification exists because all of this is a taxable exchange but I don't think many people file ( such as a 1099-NEC for example ) hence why quite a few people have XXXX up credit reports. 

Anyway, my application for credit was denied based on information contained in my credit report which, again, I believe is only acquired to verify my identity.
Consumer complaint received 2022-11-11
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
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. (MD)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-12-27
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. (IN)

I had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, Experian and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.
Consumer complaint received 2021-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Details and screenshots of evidence are in the attached documents. ( emails to SunTrust with clear description of the problem and requests ) In short : A $ XXXX payment to get up to date on payments after my forbearance period ended in XXXX was not appropriately applied. 
As result, my balance did not show correctly. Several attempts to have this corrected went unanswered. 
After many long calls, changes were made to my account, however resulting in wrong payment applications again. 
SunTrust claims I did not pay my XXXX payment, even though it shows paid in time in full on their own systems ( online account ) and has been deducted from my bank. 
So I had to pay XXXX twice. This $ XXXX payment has not been fully applied to my account Several requests, in writing, have been ignored. They are not making any efforts to truly resolve this. 
Many other smaller issues in addition, but this is a summary. 
I have records of every account statement, email sent, phone calls and errors made by SunTrust.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

On 3 occasions I have requested for fraud alerts to be removed and Experian credit reporting agency stated it was removed but Im getting denied bank accounts because the fraud alert is still there. When call it only says to send a letter which have done 3 times. This is costing me time and money, Im tired and frustrated with this.
Consumer complaint received 2022-12-27
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. (AL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me 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 XXXXXXXX
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (OH)

I am reaching out to request your intervention in a matter that is critically impacting my financial health. 

Account Details : Creditor : One Main Balance : {$10000.00} Account Number : XXXX One Main has written off the debt, which should be to my benefit. However, the continued reporting of this debt on my credit report is unjustly affecting my credit score and, by extension, my ability to secure employment, obtain loans, and find suitable housing. 

This issue transcends a mere reporting error and reflects a pattern of unfair financial reporting practices. The persistence of this negative entry on my credit report, despite the debt being written off, is causing significant distress and is an obstacle to my financial advancement. 

I kindly urge the CFPB to review the reporting practices of One Main and to facilitate the expeditious removal of this entry from my credit report. 

Your prompt attention to this pressing issue would be greatly appreciated.
Consumer complaint received 2022-12-27
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. (WA)

The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.