davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

My dispute is with XXXX XXXX XXXX. Account Information : Account # XXXX ProductXXXX XXXX VINXXXX Term:36  In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to XXXX XXXX XXXX in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with XXXX XXXX  XXXX  and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called XXXX and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XX/XX/XXXX/XX/XX/XXXX statement arrived yet the account was already overdue. 

Collections for XXXX does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this debt on my credit file. I called immediately to inquire about what it was for because the debt was not mine. I never received any phone calls, collection letters, or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MD)

I opened an account at a branch with US bank in XX/XX/2019. At the time they had a promotion for {$300.00} if certain criteria were met. This can be and has been verified by US Bank. I met the criteria and have yet to receive the {$300.00}. Ive contacted the support services and the branch. Ive left voicemails with the branch on multiple occasions. Twice I was able to reach a bank representative who told me that they would get back to me, but never called back. Support services has told me several different stories. At one point I was told Id receive the money within 30 days, but never received it. On two other occasions in the past 3 months I was told that they would work it out and that someone from the branch would be reaching out to me. Needless to say this did not happen. Basically, support services tells me theyre not responsible and I have to deal with the branch. The branch tells me the employee who opened my account is no longer with the company and theyd have to escalate my issue which will take some time. Both dead ends.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dispute Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 
Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being open but also as having a past due balance of {$2900.00}. 

This is a violation of the FCRA and is in violation of the requisite METRO2.

Compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, or accurate.

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards. This account will be removed upon completion. 


The XXXX XXXX XXXX XXXX XXXX, has charged me for a third-party debt that is fraudulent and unauthorized. XXXX XXXX XXXX XXXX made fraudulent charges on my credit report. This company created a fictitious apartment ledger without a letterhead or any documentation with my name attached, stating that I rented an apartment unit from XX/XX/XXXX until XX/XX/XXXX, which is fraudulent. They proceeded to attempt to open an XXXX account in my name. My attorney contacted them in XX/XX/XXXX to ensure they corrected the issue. I turned in a 60-day notice in XX/XX/XXXX and received at least two letters from the acting landlord in XX/XX/XXXX. XXXX has since gone back and forth about the authenticity of the letters, stating they didnt want to honor the letter since their employee was terminated. XXXX also alleged they did not receive documentation from my attorney. They contradicted themselves by claiming that I lived there until XX/XX/XXXX, which is false, and did not turn in keys and had extensive damage to their apartment unit, and then they received their keys. There were no damages to the unit, and I owe no cleaning fees. In addition to the fees being unauthorized and fraudulent, the company is listed as a collection/charge-off on my credit report. They are listing the account as open, which is incorrect. The account also has late payments, which makes no sense, and a balance, which is against the FCRA laws. I never received a 1099-C. The account has no outstanding balance because I moved out and left the account in good standing, and the charges are fraud. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

On XX/XX/XXXX, the company XXXX was notified that my credit report reflected an account opened in my name which I did not recognize and understand was fraudulently opened. Also this was reported to all credit evaluators and to the FTC to support my claim. On XX/XX/XXXX, he was contacted by a collection agency stating that they had been hired to collect the debt that is not mine. I will immediately proceed to send again all the evidence that supports my case of identity theft and that said account was opened fraudulently.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

There was a problem with my XXXX XXXX and a false delinquent payment on my account. I contacted Lowes ( the company who reported it ) they investigated and determined it was incorrect and sent me a letter that they removed it. XXXX months later it has not shown in my credit report.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (FL)

When closed the loan my monthly payment supposed to be {$1200.00}. I pay my insurance and taxes separately and not through the escrow. In XXXX my lander informed me that there is a problem with my insurance and they will place forced insurance on my account. 
I called my insurance agent and we fixed it. But last 4 months my lender keeps charging me {$2700.00}!!! Every month. I called to the lander multiple times, they can't explain to me why? I overpaid my monthly payments in few thousands of dollars already and nobody helps me to fix that issue. They keep charging me {$2700.00} instead of {$1200.00}
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank has been calling friends and family on both their private and business cell phones despite the fact that they have a phone number with which to reach me. I have assigned all of my accounts to a debt settlement company, yet they continue to harass my friends and family.
Consumer complaint received 2023-05-08
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. (FL)

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 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.

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 2020-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I recieved a email from chime bank saying that my account was suspended and that I needed to provide proof of where the money in my account came from. After sending in all documentation o received another email saying my acount was closed and that I'm not eligible for a refund. They took over XXXX dollars I've been saving to buy a house.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Today XX/XX/2020 i have called Equifax and spoke with 2 different phone reps about removing the security freeze on my credit file. I have tried to apply with a lender for auto financing, and was told that they could not pull my report ( last week of XXXX ). Equifax has denied that any form of security freeze is active on my credit file. 

Steps I have taken : I PAID for a credit report from XXXX - Shows that my equifax credit report is frozen Per the Equifax website/Single Bureau Lock. ( Equifax Complete Premier Plan ) -  states " Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program. '' Per the MyEquifax website portal, also states under Credit Report Status, that " Your Equifax credit report is frozen. '' The auto lender also stated my credit file was locked or frozen, and that they were unable to pull my credit for financing due to lack of equifax report. 

That is 4 different instances that leads me to believe my file is frozen, yet i am unable to escalate with equifax via phone to receive more support or help.
Consumer complaint received 2024-03-20
Product: Credit reporting 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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : XXXX
Consumer complaint received 2023-07-13
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. (GA)

Re : SECOND DISPUTE REQUEST AND DEMAND FOR IMMEDIATE DELETION I recently received your notice of completion concerning my dispute, wherein I indicated the presence of inaccurate information being reported on my credit profile. This communication serves as my SECOND WRITTEN REQUEST, emphasizing your obligation to immediately remove the inaccuracies and fraudulent accounts identified below. These accounts persist on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.The FCRA, under 15 U.S.C. 1681i, mandates you to conduct a thorough investigation when I dispute the accuracy of the information you report. Regrettably, your response to my first dispute was unsatisfactory and incomplete. You merely asserted that the disputed items were " reported correctly, '' without providing any documentation or outlining the process of investigation, thereby failing to meet the standards set forth by 1681 ( a ) ( 4 ) .Under Engelhardt v. Gravens , 281 S.W. 715,719, given that I have not supplied proof under the doctrine of estoppel by silence, it is presumed that no proof of the alleged debt, nor the existence of any debt, indeed exists. Thus, I am now requesting the following : 1. The documents you used to verify the accuracy of these accounts.

2. The name of the individual in your organization who verified these accounts, their business address, and telephone number. 

According to Blacks Law Dictionary, the act of " verification '' implies that you must possess authentic, firsthand documents that not only confirm these accounts belong to me but also verify that the reported information is accurate. If required, you should be prepared to defend the authenticity of these documents under oath, under the penalty of perjury, in a court of law. Failure to provide the requested documentation will be interpreted as an inability to verify these accounts. In such a case, under Section 611 ( 5 ) ( A ) of the FCRA, you are legally obliged to promptly DELETE all information that can not be verified. If these inaccuracies are not rectified and the disputed items deleted promptly from my credit report, I will interpret this as a negligent noncompliance of federal laws, which carries civil liability under Section 617 of the FCRA. As a consumer prepared to enforce my rights legally, I will consider taking necessary legal action to uphold my rights under the FCRA. The disputed accounts are as listed on my credit profile with your agency Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution to these issues.
Consumer complaint received 2023-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

We purchased a XXXX XXXX XXXX from the dealership. We made all payments and decided to pay the car off early. We called for a payoff and was given one that overpaid the car by more than XXXX. ( XX/XX/XXXX ) We were told we would receive a refund with 30 days. After 30 days have passed, we still have not received a refund. We called and were told we had to an additional 15 days. We did. At this point, it is now XXXX and we still have not received a refund. We are give to the run around and every time we are told that it is escalating to upper management and should receive the refund in 3-5 business days, we never do. On Hyundais end, they keep cancelling the refund. At this point I feel like they are looking for a reason to keep my money. Its almost like theft and fraud. Its 60 days passed the time I have paid the car in full and still have yet to receive a refund. I have been several case numbers and everytime I call my case has been cancelled or a system glitch and it was cancelled. I have been patient but this is getting old.
Consumer complaint received 2023-02-09
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. (PA)

XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting Act these convergent accounts has violated my rights. 

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

15 U.SC 1681 Section 602 A Section 2- Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2020-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Aid Foundation (GA)

Good afternoon, I believe that the Student Aid Foundation XXXX XXXX and it's registered agent and manager, XXXX XXXX, has made several indecent and potentially fraudulent business practices that need to be investigated. For many years, Ms. XXXX has proven to be unorganized, unprofessional and lacking any willingness to resolve matters quickly and timely. She continuously failed to provide any timely communications or transparency regarding my loan account. From the inception, Ms. XXXX sent me a past due notice when I received no prior communication for any invoices or payment deadline. She has also managed to send me an email related to another individual 's loan account in which I was not the intended recipient. As of XX/XX/2020, I learned that approximately {$730.00} of my monthly payments were missing from my account. It was through a " Past Due Invoice '' I received for past due payments of {$730.00} was when I learned that these payments were not properly reflected on my account. Due to my immediate concern, I contacted the CEO, XXXX XXXX, and also a financial adviser, of this issue. To date, Ms. XXXX and Mr. XXXX have failed to not only advise me of what happened to the payments made on the dates that my money was withdrawn, they claimed to not know where my payments went, and alleged that I did not make those payments. I have attached copies of statements which shows the select payments were withdrawn from my bank account. I am extremely concerned of the business practices of this Foundation, and have suspicions that fraudulent activity has occurred with the payments that I made. 

I would appreciate a quick response from the investigator to ensure that this will be thoroughly reviewed and investigated timely, as I believe that these individuals do not have any interest in cooperating. Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX XXXX Im trying to withdraw {$600.00} from ATM in XXXX, Illinois, location. As usual process, I insert my ATM, less than 5 minutes ; I dont receive any funds from the ATM. Ive decided to go inside the branch and told the teller what happened what he did is he gave me {$600.00} cash from my account little I didnt know that instead of giving me my {$600.00} ; they took another {$600.00} from my account, when I checked my receipt, I looked like I withdraw {$1200.00}, but in reality I only got {$600.00}. One of the banker help me to start the dispute process and she promised that they will credit my bank on same day. 
I checked the next day and still, money is not available, I took more than 1 week to return my money. 
On XXXX Ive noticed that they took {$600.00} from my account I called the customer service and she said that they denied the dispute because that there is no discrepancy in their ATM machine, I told them that they look back on the camera by the ATM the day that I did my transaction and they will see that I did not get any money from the machine, I even told them that I did not steal money from them, I worked hard for my money and I live paycheck to paycheck and I need that money to pay for my rent, but the supervisor said she cant do anything and I have to wait 30 days for their decisions