davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (MO)

I refinanced a loan that was with Lightstream. My credit union sent them a check that they received on XX/XX/XXXX. On XX/XX/XXXX Lightstream pulled a payment from my account even thought the loan was paid in full. I contacted Lightsteam to ask why they pull the payment but didn't receive a response. Then I asked if they could return the payment ACH because I needed the money to pay other bills. They said they could not and would send out a check in XXXX  days. They have cost me overdraft and late fees on other accounts by taking this payment when the loan was already paid off.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the last few years the named company above has constantly called me and sent me collection notices for a XXXX XXXX XXXX who is a friends ' ex-husband. I have called them many times over the course of several years to tell them this person does not, and has not ever, lived with me and to cease their calls and letters. I just moved and once again these people are harrassing me for a debt that isn't even in my name.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I found out today XX/XX/XXXX that my Sams Club account and card was closed on XX/XX/XXXX. I have had this account since XX/XX/XXXX and I have NEVER been late with a payment, In fact I pay early from a SAMS CLUB APP on my phone. I have XXXX debit card accounts as a source to pay on my credit account, ( XXXX XXXX and XXXX XXXX ). On XXXX different occasions I attempted to make EARLY PAYMENTS and the payments were not honored. I selected my XXXX XXXX card to pay, but the XXXX XXXX card was attempted to be debited with insufficient amounts in the account. As soon as I was aware of the problem BOTH times I quickly made payments again. My account clearly shows my payment history as EXCELLENT. But for a glitchy app, my good payment history has amounted to absolutely nothing and my credit report is showing derogatory payment history. Sam 's club closed my account and the managers that I spoke to XXXX nor XXXX, showed any fairness to these facts nor did they take in account my payment history and continued to advise me that my account would remain closed, and that absolutely nothing could be done despite the facts that a payment was not due, nor have I ever been late. I am being shut down because of not yet due payment attempt glitches. I feel that as a consumer I am being punished for doing business with Synchrony Bank and my business is highly unappreciated, no matter what measures I take to do good business, As I have scanned the account requirements, In the payment information sections, I fail to see anywhere that a users account will be terminated for making unsuccessful early payments. Any account manager can look into my account and see exactly how I pay and the cards on file.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

We were in COVID Forbearance for XXXX. We came out of it in XXXX. Our payment before the forbearance was {$1400.00}, after the forbearance we did a modification to {$1500.00}. We paid that amount for 2 months. We went to pay XX/XX/XXXX mortgage and it had {$1700.00} due. We have received no notice that it was being raised another {$200.00} dollars. Upon calling Loancare we were told that there was a shortage in the escrow. They informed us that they had paid the escrow based of XXXX. I informed them if that was so there should of been an overage authentication taxes and insurance was lowered. We made $ 20k less in XXXX and can not afford an extra {$200.00} along with our other obligations. This is not helping this is harming us.
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Car was vandalized police didn't give me the option to keep the car or to have them tow it. They towed it. The person who vandalized the car was not charged. Now it is being reported at a false amount and as an open account.
Consumer complaint received 2022-03-18
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. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act 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. 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.
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. (FL)

I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/2024. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX XXXX XXXX  conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.
Consumer complaint received 2023-06-16
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: CrossCountry Mortgage LLC (FL)

I looked at my credit report and saw the following inquires from the following companies that i did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
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. (GA)

My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.
Consumer complaint received 2024-03-12
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. (NY)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

According to the provisions of the Fair Credit Reporting Act [ 15 USC 1681i ( a ) ], report containing information sole as to transactions or experiences between the consumer and the person making the report this disputed items must be reinvestigated or deleted from my credit record within 30 days.
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXredit Cards XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 an account without my written instructions.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (DC)

In XX/XX/2021 I noticed a new credit card popped up on my credit report named XXXX XXXX Credit Card. I never gave anyone permission to charge the card. I was speaking with a plastic surgeon coordinator  about getting XXXX but then I told her I no longer wanted it once I saw they were willing to do XXXX on me with a XXXX XXXX. Months later I see a charge on the credit card for {$6500.00} that I never authorized. I have been disputing this charge for 2 years but it has yet to be removed. The cosmetics company stated they can only charge a card if I gave them authorization so that I needed to reach out to XXXX. XXXX stated the cosmetic company told them I received a XXXX in there office in XXXX. I have never been to XXXX a day in my life. Both places are placing the blame on each other when I never had XXXX, never agreed to XXXX, never picked a XXXX or date!
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2016-12-29
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (NY)

I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.
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: Experian Information Solutions Inc. (MD)

My XXXX  XXXX 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 2022-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX contacted Truist &. XXXX to inquire about payment that was taken out with no notification Latency in Truist mobile banking app and online Called to have overdraft fee waived due to the Truists non notification of payment already withdrawn Was told nobody could do nothing
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My XXXX  XXXX 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 2022-04-16
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: EQUIFAX, INC. (IL)

Please remove any address I am not currently living at and any jobs I am not working at.

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 an account without my written instructions
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # 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 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 2023-10-19
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: EQUIFAX, INC. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-25
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: CITIBANK, N.A. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-19
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2023-10-19
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: 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. (WI)

per case XXXX TransUnion contacted me via mail and stated that all 8 inquiries in question would be deleted. As of XX/XX/2024, the inquiries still remain. I called to resolve, and they just passed the call off and hung up on me repeatedly.