davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (NY)

I sent several letters to Transunion beginning in the month of XX/XX/2022 and my last attempt to make contact in the Month of XXXXXXXX XXXXregarding the false information on my credit report. It has been way past 45 days on both occasions and i have not heard from or received any response from the company in regards to my situation and credit file
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Consumer complaint received 2020-03-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

In XXXX my spouse was forced to resign from a job he has had for over XXXX yrs and we proactively reached out to XXXX for a solution to assist in catching up on the missed payment that we missed for XXXX or XXXX of that year. Over the years my husband and I have acquired at least 4 mortgages between the both of us and we had never missed a payment until this point. Prior to M & T obtaining the loan around XXXX or XXXX, we were in the process of a repayment plan with XXXX to catch up on a missed payment of the mortgage on our house. During this process we were verbally told by XXXX that our loan would remain in good standing as long as the catch-up payments that were kept current which they were. We missed 1 payment during the entire year of XXXX but it shows on our credit report as it was consistently late for more than 5 months. We contacted M & T and they assured us that everything was fine and we were in good standing. In late XXXX of XXXX, our home in XXXX XXXX suffered a tremendous loss due to extreme water damage from the pipes bursting and completely flooding all 3 levels of our home. Our home had over {$200000.00} dollars of repairs done that took several months longer than projected due to M & T withholding the funds and paying the contracting company in a timely manner which was agreed upon between the 2 companies. Needless to say the process was very stressful. We still continued to keep the mortgage payments in good standing. Since all of this has transpired, the mortgage loan was paid off early and in full in XXXX of XXXX due to the sale of the home this loan was associated with. With this repayment plan our initial payment was {$4400.00} and the following payments were in the amount of {$3300.00} for 6 months or more in order to get this the missed payment caught up and we were told that our credit report was going to show we were in good standing, but to our dismay we discovered just recently that this was not the case.
Consumer complaint received 2023-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/22 I was reviewing my personal checking account TD bank statement. ending in XXXX. I noticed a payment paid to a company named XXXX XXXX XXXX XXXX XXXX in the amount of {$6200.00}. That disbursement was made on XX/XX/22. TD bank had no authority to disburse my funds to a unknown person or company. 
I contacted TD bank immediately to investgate the matter. I drove to my local TD bank branch in XXXX, NJ. I filed a fraud report and complaint through my TD branch office in XXXX, NJ. I filed a police report with XXXX XXXX police dept. Police report # XXXX. I delivered the police report to TD bank XXXX XXXX XXXX. I filed a second complaint on XX/XX/22 with the police report attached. 
I closed my checking account on XX/XX/22 and opened a new one at the TD bank branch in XXXX, NJ. After XXXX weeks I received my new checking account information in the mail. I went on-line to reveiw my bank information and again, XXXX XXXX XXXX XXXX XXXX  appeared on my new checking account as a bill/pay recipient. I then filed a complaint with New Jersey Office of the Attorney General Division of Consumers Affairs. They refered my case to XXXX XXXXXXXX XXXX XXXX. They refered my case to Comptroller of the Currency. I did file a complaint with that agency.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed XXXX XXXX  prepaid card reported opened XX/XX/2023. XXXX XXXX XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.
Consumer complaint received 2023-06-07
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Name : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 1022.42 ) and Interagency Guidelines ( Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnishers activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.
Consumer complaint received 2022-12-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo 's erroneous reporting has been damaging my credit for several years, especially with XXXX. In 2018, I suffered an accident, became XXXX, and voluntarily surrendered this vehicle to Wells Fargo at the XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. My loan balance was below {$30000.00} at that time, and the wholesale value of the vehicle was {$32000.00}. Wells Fargo been reporting me to the credit agencies as a major charge off, and for late payments for almost 2 years after I gave them the vehicle. 

I have written to Wells Fargo Auto Credit Bureau XXXX many times, and they have yet to cure the problem and account for the disposal of my vehicle. O bel ; ive that the last 4 digits of my loan number are " XXXX ''.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied online for an XXXX XXXX serviced by Synchrony Bank. In my application I was asked for, and stated that, I do not communicate by telephone, therefore Synchrony Bank would contact me IN WRITING to complete the application process. THEY DID NOT. Instead, they sent a standard denial letter stating " Invalid phone number of applicant '' and " Applicant associated with multiple phone changes '', both of which are untrue and total XXXX.
Consumer complaint received 2020-03-03
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: SYNCHRONY FINANCIAL (CA)

Synchrony Bank checked my credit report on several different occassions. 
XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These unauthorized caused hard inquires on my report. Please investigate.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I recently signed up with the Capital one Savor One Credit Card in XXXX. I was told that I would be getting a sign on bonus online when i signed up. It was advertised a sign on bonus of spending XXXX $ and getting {$200.00} back. I met the minimum spend requirement like they said but I did not get the sign on bonus. I called on XX/XX/XXXX and asked about it and they said I did not qualify even though it was advertised when I signed up and it said I would get it online when I signed up. They said there is no way for me to get it even though It said I would get it online when I signed up. I also asked why i was not told that I didn't get the sign on bonus then if I didn't qualify and they said that Capital one does not tell you if you don't qualify or not even though they advertise it like that.
Consumer complaint received 2023-01-05
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: FORD MOTOR CREDIT CO. (FL)

I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.
Consumer complaint received 2018-03-06
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. (CO)

XXXX says I am Dead. I call and wait on the phone for one hour and then XXXX hangs up on me.. I have tried repeatedly to get this fixed. The first person I talk to can tell my file is jacked up. They forward me to a case manager and the case managers do not fix the problem and hang up. XXXX was the last person I talked to and after a 20 minute hold he talked to me for 2 minutes and hung up the phone.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiry that hurts my credit score - 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
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX 1 ) Reporting the same account twice on my report 2 ) Has mixed up several accounts 3 ) Reporting different status to the reporting agencies. Transunion has paid, XXXX has included in XXXX. 
4 ) Reporting past the seven year reporting limitations- Account was closed negative in XXXX of 2016. 

The XXXX XXXX XXXX  rep, told me if I paid off the balance they would remove, but they did not. They updated the date for the collection and made the credit report look like this was a recent issue.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

My claim was denied by citizens. I provided documentation that I was charged twice. The overseas company I disputed is clearly lying. All of the documentation that the company provided us made up. I had no previous business with then. It is egregious that I provided proof and my claim was denied. They clearly did no real investigation.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (GA)

Hi, I want to start off by saying no one prepared this dispute for me, I worked hard to research what to do in my situation. I just want it to be known that I XXXX XXXX prepared this document. I was trying to re finance my house and ran into a problem. I pulled my report and found some disturbing things. There were accounts that belonged to someone else, or someone has opened accounts in my name. I found numerous errors on my credit report. I haven't signed, nor opened any contracts with any of these companies listed in the Ftc report. I am a living human being, and I have been wrongfully taken advantage of. I have rights under 15 USC 1681. XXXX, XXXX, and Equifax has allowed for these creditors to violate me numerous of times. I demand these accounts listed be removed according to 15 USC 1681 I have a right to privacy and I did not give the XXXX bureaus, these other creditors to furnish these accounts. It is illegal for an account to be opened without me giving consent to it, which I haven't ever been in contact with any of these companies. There are two more fraudulent accounts that was opened in my name XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, once again I repeat, I did not give consent for these accounts to be opened. These should be removed as well as these XXXX authorized hard inquiries, and these inquiries are attached to an open account, so in other word could you please remove these XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATION/XXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RentDebt Automated Collections, LLC (NY)

I dont know anything about this company call Rent Debt automated collections. Im not aware of any kind of dealings with this company whatsoever and this company is asking for personal information that I have no idea how they got in the first place I never did any kind of dealing with rent debt automated collections an ID theft report was done and I actually sent it to the credit bureaus. I dont understand why this company that I clearly never had any kind of dealings with Rent automated debt collection asking for personal information that I sent to the three credit bureaus showing proof identity I sent my identity theft report to the three credit bureaus as by law stated. Please review the law of New York the picture that I sent.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you in good health. I am writing to you in regard to my account with XXXX and I would like to address a matter that has been causing me concern.

Upon reviewing my credit report, I noticed that there are several instances of late payments reported for my account. I understand the importance of maintaining a positive credit history, and I am dedicated to fulfilling my financial obligations responsibly. However, I believe there may have been some oversight or misunderstanding regarding these late payments. 

XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request your assistance in investigating and, if appropriate, removing these late payments from my credit report. I assure you that these late payments were unintentional, and I am committed to ensuring that my account remains in good standing moving forward. 

I have attached supporting documentation, including [ attach any relevant documents, such as payment receipts, correspondence, or other evidence ], to substantiate my request. I hope this information will assist in your investigation and help facilitate a favorable resolution. 

I am confident in your commitment to customer satisfaction, and I appreciate your attention to this matter. If there is any additional information required from my end or if there are specific procedures I should follow, please do not hesitate to let me know.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX