davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Southern Auto Finance Co (TX)

XXXX XXXX XXXX charged me {$4000.00} to put down on my vehicle XXXX of it was for insurance which I did not know the insurance came with the pandemic. I could not get my car repaired or do anything to it. Spoke to the Dealership and told him that no response no response from the insurance company either I reached out to both never got a response or any other information. I lost {$3000.00} which I dont have that amount of money to lose my car The camera was not working in the car. The cello told me he would fix it. I took it back up there. He said he had no idea, but I also have a witness which my son was with me and overheard the conversation he was sitting there with us.
Consumer complaint received 2024-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (FL)

I am a Veteran and XXXX XXXX XXXXXXXX. During the closing of my new home, I told them I was exempt from paying taxes here in FL. They told me I could go to the government office and ask for documents. I went and sent the documents. However, the lender was transferred to an unknown company I had never heard of. I called many times to explain the situation, but they have not responded. Even my wife called to get this resolved before paying this month 's mortgage, and I lost connection, and they never called back or sent emails or anything. Why do I have to pay more taxes than I don't have to pay? I want them to resolve the escrow amount because taxes are wrong or to request an escrow waiver. This lender is currently unresponsive. I have never had any issue with other lenders before
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I borrow {$420.00} from a friend, Im going through XXXX treatments and Ive been missing work. I needed to money for a car payment. This was in XXXX. I spent XXXX hours with chime on the phone because they wouldnt let me withdrawal my own money because I didnt verify a debit card they sent me a year prior, after a few hours on the phone we discovered we could assign me a temp card. We assigned me a temp card, I transferred {$420.00} from my chime account to my XXXX XXXX XXXX account. I also closed the account. I then get a email a week later informing me my XXXX transfer has been canceled due to suspicious activity. 

I spent an hour on the phone with them Friday trying to escalate this to the appropriate team and I have a single email that has not been responded too. 

I have sent XXXX email without corespondents in an appropriate amount of time. I really need this money its all I have to my name, I still have to pay my friend back. They are not responding to my emails and when I call in they just say I have to deal with the email department. 

This looks like this my only option to get somewhere before I take them to small claims.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The deposit was made on XX/XX/XXXX which was a holiday. I contacted XXXX XXXX XXXX on XX/XX/XXXX at this time I was told once the funds were verified, they would likely become available in a couple of days. I needed to pay a contractor. If not, I said I could cancel the check and go back to my credit union and get them from there. It was suggested I wait until Thursday. I waited until Thursday when I got attitude from several associates. The issue is when I contacted my other banking institution to make a stop payment, I was told the funds had already been debited from my account. Making me unable to go and retrieve them. Also, keep in my I have a HELOC from my credit union and deposited a check for {$7000.00} the previous week as I am getting work done on my home. This hold is extremely long for the funds to already have been removed from my account. They do not sit in the clearing house for 5-8 days. They will be released on XX/XX/XXXX as I have been told multiple times is ridiculous. The money is somewhere with B of A collecting some dividends until they decide to hand them over. Meanwhile, I have to keep calling my contractor apologizing explaining that also he is done and is owed his balance I am waiting for funds to be available with no reasonable explanation. Bank of America just has poor customer service. The branch that I have a personal relationship with could not even release the hold. They were very apologetic and said I should be made because it made no sense that the hold was that long.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-06
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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.

15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven Years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2023-07-12
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. (LA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have fraudulent accounts that were opened in my name as aresult of the data breach and I have reach settlement with the credit bureau regarding this. This has been reported to the XXXX on XXXX to XXXX XXXX XXXX badge # XXXX and filed under case # XXXX after I was made aware of these accounts by looking at my credit reports. This has been reported to all involved parties but the accounts are still reflecting on my credit file.
Consumer complaint received 2023-03-09
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. (IL)

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX SECURITY BREACH...
Consumer complaint received 2024-02-26
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: WELLS FARGO & COMPANY (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by Wells Fargo EFS. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and Wells Fargo EFS directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for Wells Fargo EFS to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Wells Fargo EFS updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Consumer complaint received 2023-03-09
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. (CA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Inquired on XX/XX/2022 XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request.

I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that you investigate and resolve this matter as soon as possible. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/XXXX Ref : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX To whom it may concern. 

I traded in my XXXX old XXXX XXXX, and I have attached emails from XXXX regarding the trade-in, which offer complete confirmation. 
Attachment # XXXX Upon receiving emails from XXXX that confirm the trade-in, I proceeded to cancel the XXXX coverage with Theft and Loss Protection for all XXXX XXXX  XXXX. Subsequently, I obtained refunds for these cancellations from XXXX. Please refer to the attached emails from XXXX for verification. 
Attachment # XXXX Nevertheless, Goldman Sachs credit card has been consistently imposing unreasonable charges on me since the cancellation of the XXXX insurances. These charges have been recurring on a monthly basis. Kindly review the provided statements for further clarification. 
Attachment # XXXX I initiated disputes and submitted all relevant emails as evidence to Goldman Sachs through both their chat service and certified mail to their headquarters. While they initially issued credits, they have persistently continued to levy charges for the canceled XXXX insurances in a recurring manner. Please refer to our chat history and the proof of service documents for verification. 
Attachment # XXXX and # XXXX Please help me halt the unauthorized charges for all XXXX of my cancelled insurances. During my recent interaction, I devoted around XXXX and a half hours to a chat session with Goldman Sachs. Unfortunately, I was repeatedly transferred between representatives, and each time, I had to reiterate the entire situation. Despite my persistent efforts, no headway has been achieved. This situation feels like a form of teasing and unjust treatment. Regrettably, I find myself incapable of attaining justice independently, and I am earnestly hopeful that your Bureau can undertake an investigation. I extend my gratitude in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2023-03-09
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-09
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  FI XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

A new debt appeared on my credit report by a company Consumer Adjustment Co. I have never engage/approved any account type with this entity. I would like written/documented proof that I approved of this account with wet signature showing I own this account and need original documentation with wet signature showing this entity is the original owner of this debt. 
If proof can not be provided this debt must be removed from my credit report along with any negative entries stemming from this claim.
Consumer complaint received 2023-03-09
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-14
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. (AZ)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-09
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$81.00} XXXX  XXXX XXXX Balance : {$690.00}