davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF AND ARE NOT MINE. I NOTICED MORE INQUIRIES FROM CREDITORS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT AUTHORIZED THESE TRANSCATIONS. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND MAIL ALERTING THEM OF THESE ACCOUNTS. I REQUESTED VERIFICATION, AND THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORAMTION TO BE FURNSIHED TO MY PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. FURNISHING INFORMATION RESULTING IN IDENTITY THEFT FURTHER VIOLATES 15 USC 1681C-2. 

THIS INACCURATE INFORMATION BEING REPORTED TO MY PROFILE IS SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2022-04-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (MI)

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Consumer complaint received 2022-04-16
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. (GA)

I sent a dispute in to Transunion and I received an illegal correspondence back stating if Im working with a credit repair company when Im clearly working on my own repairing my credit. This is considered a stall tactic letter from this CRA and this is a violation of my consumer rights. Do they not know I am very well capable of repairing my own credit.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (SC)

On XX/XX/2022 Aldous and Associates claimed to have sent me Validation of the alleged debt that I owe to XXXX XXXX. The bill that they sent me happens to be what is called VERIFICATION that they are collecting on an alleged debt that XXXX XXXX XXXX  claims that I owe but it is not VALIDATION. I am attaching the debt validation to this complaint which details exactly what I am asking the company for. There is also a Cease and Desist attached to this complaint as well. Aldous and Associates continues to use extortionate means to collect an alleged extension of credit. The violator can face up to 20 years in prison, be fined or both. To avoid myself having to take legal action for such offense I advise Aldous and Associates to cease all collection activity including reporting of ; or verifying of this account on my credit reports. If the company chooses to not comply with my requests, I will have no other choice but to pursue legal action. I believe that XXXX XXXX XXXX is in charge of the operations of this company and will be seen as liable for his compliance in the use of deceptive means to extort money from uninformed consumers. Please take this matter seriously. My consumer file is a direct representation of my reputation and I take my reputation seriously. If the company claims to have the right to collect this debt from myself the consumer, please attach the trilateral contract in which I agreed to be party to the collection of an alleged debt by a third party. Your prompt response is both required and necessary. 

this is in response to complaint XXXX
Consumer complaint received 2022-04-16
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. (AL)

I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You
Consumer complaint received 2022-04-16
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. (PA)

Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. 

I request PNC bank to keep its promise and give me the {$400.00}.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MI)

I don't owe anything in these following accounts below. They should have confirmed this from the Original Creditor since I have made my payment to them. INVESTIGATE this account thoroughly and make the necessary correction or just REMOVE the account automatically. 
XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  : {$360.00}
Consumer complaint received 2023-06-25
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)

Upon reviwein my credit repoirt I have identified certain information that is reporting incorrectkly. Please make sure that the only information that is reopirting in my credit report is the one mentioned stated below : 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  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all tel ; ephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA. 

( I don't recognize this following addresses ) 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX home loans reported to credit bureau that my mortgage was XXXX days late in XX/XX/2023. My mortgage payment was XXXX days late and should not have been reported. Attempted to file a dispute but was not resolved
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-16
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. (CA)

In accordance with the Fair credit Act XXXX Account # XXXX h

as violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX 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 XXXXXXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements around XXXX XXXX and had n't seen my points post yet. I chatted with a Citibank rep on the phone when I first opened the account, ( as they needed to verify my address with certain documents ) and they confirmed that I would see the miles posting as long as I completed the requirements. Later when when I followed up with Citibank through XXXX, telephone and email, they mentioned that I was ineligible for the promotion despite previously confirming that I was qualified. I attached the mailer that was I received through email regarding the promotion.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file.
Consumer complaint received 2022-04-16
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: Bread Financial Holdings, Inc. (FL)

Dear XXXX Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

Greetings, I have a barclay credit card and this is the second time I paid my credit card, the payment cleared my bank, but Barclay held my payment and did not clear it from their system. The first time, I made a payment last month and although the amount cleared my bank, they refused to clear it from their system until 20 days later! I told the representative that that was extortion. The representative requested to verify with my bank, I called my bank and they confirmed the transaction happened days prior. Today, I checked my account and realized the payment cleared my bank again yesterday, but on barclay they still withheld the payment from clearing my debt! I paid the amount of {$1700.00} and went on my app and still showed the amount has not cleared my account. I took the liberty of exposing photographs of the transaction in my bank app and the barclay app for evidence. I warned them that if it happened again, that I would report them! Please help me! Every customer should not be treated like this
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My captial one credit card is saying it's late and it is not. I have automatic payments coming out of nay account every month for {$35.00}. Disputed it multiple times and it won't let me upload proof.
Consumer complaint received 2015-03-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

My HAMP loan was transferred to CitiMortgage about 2.5 years ago. Something went wrong with the transfer of paperwork and I have been subject to harassment by Citi ever since. Three weeks after the transfer XX/XX/XXXX, when I had n't received any further paperwork including the monthly statement and bill, I called Citi to ask where I should send the payment for that month. They told me I was in the foreclosure process since I had n't paid my bill in 3 months. They refused to accept that I was not with their company during that time period and refused to send any paperwork. Since that time, Citi has threatened me with letters and phone calls and at one point, a $ XXXX " lawyers fee '' for not paying them what is not owed them. It took hiring a lawyer to get the fee removed, but Citi has continued to refuse to acknowledge my multiple requests to fix the start date. They messed up my escrow payments, and have recently removed me from the HAMP program without my consent, stating I no longer meet the qualifications since I refuse to pay them what is not owed them. I am at my wit 's end. I am ready to sell my house just to get rid of the harassment. If this is what home ownership is, it 's not worth it. Please help.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (GA)

I have a Costco Citi Bank Card and requested a credit increase. To do so, I was required to unlock my frozen credit. The first XXXX times, I was requested to unfreeze XXXX. I did so, and was told the credit was frozen. On XX/XX/2022 Citi told me to unlock XXXX which I unlocked for XXXX weeks. I again received a denial because my credit was locked and needed to unlock XXXX. I called on XX/XX/2022 and spoke with XXXX with Citi. She requested I unfreeze my credit with XXXX. I unfroze my credit until XX/XX/2022 and requested she make a follow-up call. 

XXXX called me today, XX/XX/2022 and said my credit was frozen with XXXX and it was my problem. She tried 2 times with her back office and both times it was shown as blocked. XXXX refused to escalate the problem with Citi. I verified on the XXXX site that my credit was unfrozen. XXXX is unreachable.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (TX)

I am filling this complaint against One Main Financial for various violations of my rights under the Fair Credit Reporting Act. 

I have reached out to One Main Financial several times to dispute the account information that they are furnishing to the credit bureaus. 

My last attempt to rectify the issues with One Main was addressed with the correspondence I have attached to this complaint sent on XX/XX/202. I sent a correspondence to One Main Financial by certified mail stating that I wanted to dispute the referenced account on the grounds of inaccurate information and inaccurate reporting of account history. With my letter I included two correspondences that I received from One Main Financial in regard to the balanced owed. I have two documents from One Main with two different amounts owed. I asked that One Main Financial conduct an investigation and provide to me all payment history along with the accounting methods and the accurate amount owed. If One Main is unable to provide such, I requested that the inaccurate account be deleted from my credit profiles.

Along with incorrect balance information, One Main also is providing inaccurate account history information to the credit reporting agencies. I have also address this issue with One Main as my this company continues to ignore my written requests.

One Main continues to ignore my requests for the requested information. One Main continues to violate my rights under the Fair Credit Act by not performing a reasonable investigation into my claims as I have provided proof with contradicting account information provided from One Main itself. One Main has also violated my rights under the FCRA for failure to notify the Credit Reporting Agencies that I disputed the debt with their company. One Main continues to certify to the Credit Reporting Agencies that the account information is accurate when I have provided proof of the inaccuracies and conflicting account information.

One Main has sent me several letters in which I have included with this complaint. The correspondences that were sent clearly show One Main failure to acknowledge my dispute, even though I provided sufficient proof in documentation.

As a rule, its illegal for One Main to report information that they know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) According to the FCRA, One Main can not, under any circumstances, report information that I, myself, the consumer has reported to One Main is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C )
Consumer complaint received 2022-04-16
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.