davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
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)

I have a settlement with XXXX XXXX XXXX dated XX/XX/2022. Where they agreed to show the account ( XXXX ) in dispute as paid in full as agreed, and inform all credit agencies of the updated status of the account. In return I would drop my lawsuit against said company. In the agreement XXXX  said they would have this done in no more than ( 60 ) days. It as been over a year and all credit agencies are still showing the account. As charge off with a XXXX balance and last payment. I have tried to contact XXXX, TransUnion, XXXX by phone and Im told theyre not able to verify my identity. Ive sent several letters via the post office explaining Im as victim of identity along with police reports FTC identity theft report. My ID, SSN card and most recent bill and still they say they not blocked or removed the incorrect information.
Consumer complaint received 2023-07-20
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-05-12
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: Experian Information Solutions Inc. (FL)

Just received results of  a 2nd  dispute with  XXXX  for the same issue and there is no way  XXXX  verified the account status.  XXXX  is still reporting the same inaccurate information. Please see attached documentation.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-07-20
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 reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Someone used my personal info and rented a storage unit in my name. As you can see from the attached drivers license at the end of the lease, the signature doesn't match my drivers license. Also, it's against the FCRA to add interest onto a collection. My attached credit report has the original balance at {$890.00} and the current balance at {$890.00}.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (VA)

Santander consumer USA owned my vehicle that was totaled In a flood in XXXX XXXX XXXX. The vehicle had XXXX  insurance and I was informed in XXXX the account had been settled and they were awaiting the check from the XXXX  insurance. I've not received any contact from Santander since, yesterday I got an email from XXXX XXXX  that Santander is reporting XXXX missed payments on my credit report for an account that should be closed and is no longer my responsibility. When I called santander they are giving me the run around and claiming gap insurance sent the check but they misplaced and are waiting for another copy. This is not my fault and I should be penalized and reported for their mishap.
Consumer complaint received 2023-07-20
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 NEED YOU REMOVE SOME INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (AL)

My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. 
I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing me
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, I was denied an extension of my credit. Ive reached out numerous times to have that application revised. 

In American Express XXXX, XXXX, and XXXX information, it states that they can't verify what my credit score is so if they can't verify what my credit score is how can they deny me what their report says?

I asked them What factors did their Treasury Underwriting Department utilized to deny me, because their prospectus from American Express Credit Account Master Trust, states on page 50 about the Underwriting & Authorization Process, and it states. Virtually all underwriting and authorization decisions use an automated system to capture the relevant information, execute the scoring logic, compare the proprietary risk scores against cut-off levels, apply business rules and legal requirements, and then execute the approve or decline decision. In specified circumstances, including for certain product applications or where certain information is unavailable, the framework incorporates manual decision-making by a dedicated, specialized, and experienced team to evaluate the available information to assess the applicants predicted risk, adhering to the same underwriting policies and standards. 

An Underwriter did NOT review this application if an automated system captured the application. That's not a valuable consideration. 

I gave/bartered with American Express a Security that they are turning into a receivable that they are going to get paid for because I gave them my social security number, they have now acted as Power Of Attorney and Fiduciary, so I need them to do their fiduciary duty or I will have to alert other proper officials. 

I know American Express is securitizing the receivables and trading them on the secondary market. Because I gave a promissory note as an INVESTOR I am allowed to claim the credits that are owed to me. They are in violation of their Security Exchange Commission agreement.

I have several certified receipts of notices I've sent them regarding this matter and every certified letter has been looked over. I even reached out to the CEO XXXX XXXX and Investor Relations and no response back from either person.
Consumer complaint received 2022-12-15
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. (SC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CT)

The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). 

The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On or around XXXX XXXX XXXX XXXX, I had extreme pain in my mouth due to XXXX XXXX. I called the nearest dental service near me. XXXX XXXX XXXX XXXX, in XXXX, New York. After x-ray 's the dental assistant explained how serious the XXXX in my mouth was and can cause me to die if left for another day. She told me that I needed XXXX XXXX graphs and an XXXX XXXX treatment. She also made clear that my insurance wouldn't cover the procedure. She told me about the total cost for the procedure was XXXX. I didn't have that kind of money.I don't know what each item cost to equate XXXX. I was then asked if I had good credit. I was working on my credit and at that time it was XXXX. She took down my social security number and left. Some time passed and I was told the dentist is coming to do the work. I asked did I get approved? The lady said yes. I will be getting a bill in the mail in 2 months. The work was done. 2 months passed now I'm in XXXX, and I get an email stating that I'm late. I called Synchrony and explained what occurred and they sent me a copy of the account. 3 weeks later I then received the card with the terms and conditions. I expressed how unhappy I was and how unfair it has been. 
I never received 1. The card until I called, 2. The contract that I signed nor the terms and conditions, 3. The TILA, I have no clue what was the XXXX, XXXX. The date its due, 5. The option to shop around for a better deal. I feel like I was targeted and that this company is a predatory lender. 
My daughter went to the same establishment to get a similar procedure minus XXXX XXXX and they took down her social security number, came back and told her she doesn't qualify and gave her resources to get it done for {$600.00}. They preyed on me and charged me XXXX. Due to this, I went from a XXXX score to now XXXX. I am suffering mentally and physically. I should've been looking for a home, but I can not with a XXXX score. I can't eat nor sleep because I've worked so hard to build my credit and due to Synchrony/Carecredit predatory lending its destroyed.

Synchrony/Carecredit has reported differently on each of my reports.

Synchrony/Carecredit has an incorrect spelling of my name because they assumed my name from lack of identity. They only asked for my ss # and a name.

Synchrony/Care credit has reported negative
transactions and it's illegal to report transaction history. The reporting is not 100 % accurate, per 15 USC 1681.

They violated the privacy act of 1974, 15 USC 6801, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, verbal, nonverbal communication I may have given per 15 USC 6802., 15 USC 6083, 15 USC 6804, 15 USC 6805.
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OH)

American education services is harassing me. They call constantly. They sent me a letter telling me my father was dead and they needed new contact information for someone else to drive insane. Today I got a message from a friend saying their husband received a call from AES, asking for me. My friend didn't even know her husband when I got this miserable loan. The most infuriating part is I have never missed a payment! Never in the almost 20 years I've had this tiny  loan have I ever missed a payment. I might be more understanding if I had an outstanding balance with them, but I never have!
Consumer complaint received 2021-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: SECURITY FINANCE CORP (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXXXXXX and in XXXX  sold my private information to Portfolio Recovery Associates LLC. Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transaction being reported. My social security number is an open-ended credit plan. Pursuant 15 USC 1692g I am the original creditor, natural person, private individual of this account. 15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from my consumer report. My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without my written permission it is Identity theft. Portfolio Recovery Association LLC has violated my rights as a Federally Protected Consumer. Several Federal laws under XXXX XXXX XXXX & XXXX XXXX XXXX have been violated and are noted in my Exhibits. I will also be reporting this identity theft to the FTC as well as the state attorney general 's office. Also, each violation is a fine {$1000.00}.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX had my vehicle and service repair for 6 months and I feel like each month they had my vehicle. Lady are responsible for the monthly payment. That was due because I had no possession. Or no access to the vehicle XXXX  sold me. They need to cover the months. They have my vehicle and repair for repair. They need to make those payments immediately. Because it's affecting my credit score and now. My vehicle 's going to face repossession because of the late payments that they did not cover.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (WA)

I found a Charge offs on my Credit report form JPMCB. I disputed it with the CRA it came back verified. I than sent a letter to JPMCB about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your JPMCB does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello, In XX/XX/XXXX, I sent around $ XXXXUSD to a trading platform called XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) using PayPal. On XX/XX/XXXX, PayPal notified me that due to new XXXX regulations, payments to XXXX would no longer be allowed and they closed my account. In consequence, I was unable unable to get my funds out of XXXX and I requested PayPal to reverse all the made payments to the broker because the merchant ( broker ) breached PayPal 's Merchants Terms and Conditions. However, PayPal refused to cooperate and reverse back the transactions. 

Here is the XXXX complaint that I have raised against PayPal : XXXX : XXXX Here are some useful links regarding the broker : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX is not allowed to offer their trading services to XXXX residents. XXXX XXXX was aware of the fact that I was a XXXX resident. Despite this, on the the XXXX of XXXX, XXXX, the Merchant : XXXX XXXX XXXX XXXX XXXX informed me that, due to XXXX regulations, XXXX XXXX would have to cease supporting trades by any client who is a XXXX resident.