davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I had XXXX credit cards with USAA. Both cards were charged off by USAA in XX/XX/2017. I have requested a 1099-G for both cards multiple times from USAA and they have refused to provide the form for the charged-off accounts. USAA also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested USAA fix this multiple times, and they have refused.
Consumer complaint received 2023-03-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TMX Finance LLC (DE)

On XX/XX/2023, I attempted to make a regular monthly payment of XXXX ( I make my payments on time every month ) When I logged in the amount changed from XXXX to XXXX so I called Title Max of Delaware located at XXXX XXXX XXXX, XXXX DE XXXX they advised I refinanced my loan most likely unknowingly thru the mobile app when I was making on payment on XX/XX/2023. They stated I received an additional loan payment in the amount of XXXX, I never received any additional funding and when I asked where and how this amount was given to me they are unable to confirm or trace the payment to me. This now caused my loan to go into default also causing my vehicle to currently be on the repossession list, I have filed a civil action against them currently and it is causing XXXX, stress and sleepless night worried about my vehicle getting taken. I have never missed a payment on my term.
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: EQUIFAX, INC. (NJ)

This is my fourth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
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: EQUIFAX, INC. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX 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 2022-12-16
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (VA)

CitiBank is refusing to release funds from an international wire transfer to XXXX 's account so that XXXX can credit it to my account. CitiBank refuses to discus specifics on the phone because I am not the account holder XXXX XXXX is ). The sender has provided all of the information and I need my funds to be released to XXXX. This is for XXXX Euros.
Consumer complaint received 2023-05-11
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. (GA)

CBNA, I am writing to express my disappointment and frustration regarding the recent late payment on my account. As a customer who has always been diligent in making timely payments, I was shocked to learn that I had missed a payment deadline and had incurred a late fee. 

I want to bring to your attention that I DID NOT receive any notification from your company regarding the late payment, despite the fact that I have always provided you with my updated contact information. In the emails sent regarding a payment, there is NOTHING stating that my payment is OVERDUE. It only shows WHEN the amount is due. It is my belief that as a responsible creditor, it is your obligation to notify customers of any late payments and give them an opportunity to remedy the situation before it negatively affects their credit score.

As a result of this oversight, I would like to request that you remove the late payment from my credit report. I am confident that this will not only restore my credit score, but also demonstrate your commitment to customer service and fair credit reporting.

In addition, I will be providing you with my updated contact information, including my current phone number and email address, to avoid any similar issues in the future. I hope that you will confirm these details have been updated in your records.

I hope that you will take my concerns seriously and take the necessary steps to rectify this situation. I appreciate your prompt attention to this matter and hope that we can continue our business relationship on a positive note. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I HAVE BEEN HAVING PROBLEMS WITH XXXX COMPANIES FOR THE PAST 5 YEARS. I HAVE DONE EVERTHING THEY HAVE ASKED FROM ME. I HAVE SEND COPIES OF ALL THE DOCUMENTATION THEY HAVE REQUESTED IN ORDER TO HAVE MY ACCOUNTS UP TO DATE. I WAS A VICTIM OF DOMESTIC XXXX FOR XXXX YRS. AFTER MY LAST BODILY ASSUALT AND HAVING MY TRUCK BURNED BY MY ABUSER I FILED FOR DIVORCE. THATS WHEN MY I STARTED GETTING DELINQUENT LETTERS FROM CREDITORS, REQUESTING PAYMENTS. I CALLED AND EXPLAINED TO THEM THAT IT WASNT ME WHO GOT THOSE MONEY LOANS, OR COMMERIAL LOANS, OR STORE CREDITS. I DID POLICE REPORTS AND SEND THEM TO EVERY SINGLE COMPANY AND THEY DENIED ME THE CHANCE TO CLEAR AND CLEAN MY CREDIT SCORE. CONNS SUED ME FOR 7 ACCOUNTS I WON 3 CASES BUT STILL PENDING 4 I KEEP CALLING THEM AND THEY HANG UP OR JUST HAVE ME ON HOLH FOR HOURS. PORTFOLIO RECOVERY HAS BEEN SENDING TEXT MESSAGES DEMANDING PAYMENT FOR 3 ACCOUNTS I ALSO SEND THEM THE POLICE REPORTS AND IVE HAD NO SUCCES THEY KEEP UPDATING MY CREDIT REPORT AND THEY KEEP CHANGING THE DATES ON THEM " LIKE WHEN ACCOUNT WAS OPENED " THEY DONT MATCH COMPARED TO THE CREDIT REORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASSOCIATES IS DOING THE SAME THING REPORTING INFORMSTION THATS NOT CORRECT. AND XXXX HAS MY WRONG DATE OF BIRTH I HAVE REQUESTED THEM TO UPDATE MY INFORMATION AND THEY WANT ME TO SEND A COPY OF MY ID AND SS #, IM AFRAID TO SEND THEM MY INFORMATION DO THAT NO ONE LISTENS TO ME. I HAVE ALSO TOLD THE 3 CREDIT COMPANYS THAT THE INFORMATION THEY HAVE IS AFFECTING ME AND MY FAMILY TREMENDOUSLY. I HAVE NOT BEEN ABLE TO BUY A HOME FOR MY KIDS NORE HAVE I BEEN ABLE TO PURCHACE A VEHICLE SINCE THE LAST ONE WAS BURNED BY MY EXHUSBAND. I HAVE SEND ALL THEM COPIES OF THE POLICE REPORT STATING THAT IM A VICITUM OF IDENTETIY THEFT AND THE PERSON WHO OPENED THOSE ACCOUNTS WAS MY EXHUSBAND AND HIS SISTER, WHO BOTH ARE IN THE ORGANIZED CRIME WITH CARTELS. I DONT KNOW WHAT ELSE TO SEND THESE COMPANIES TO MAKE THEM UNDERSTAND MY SITUSTION AND HOW IT HAS BEEN AFFECTING US , PLEASE HELP, ANY ADVICE IS WELCOME
Consumer complaint received 2023-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (CA)

Misrepresentation has been committed on the consumer credit file of XXXX  XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
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. (CO)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 XXXXXX/XX/year> TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking how they were able to verify the bankruptcy reporting in the public record of my credit profile as accurate when the courts do not communicate with the credit bureaus at all. I have requested details and documents of how the bankruptcy was verified, but nothing has been provided and the information still appears on my credit profile.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: SANTANDER HOLDINGS USA, INC. (MI)

I received a prepaid debit card from XXXX XXXX for an overpayment to XXXX XXXX for {$38.00}. I tried to activate the card via their XXXX number, website XXXXXXXX and app XXXX XXXX XXXX XXXX. The phone number is a dead number, the website is a deadlink and the app doesn't work either. I then tried to call the customer service number XXXX listed on the back of the card. It too is a dead number. Now I have no way to activate the card and recover my money. In the meantime there is a $ XXXX monthly service fee.
Consumer complaint received 2024-03-15
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. (TX)

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

Many auto loan payments were not properly applied which resulted in late charges as if I wasn't keeping the account current. This auto loan also very seriously, adversely affected my credit score I was working so hard to repair in order to purchase a home. I had an auto loan with Wells Fargo between roughly XXXX. The car was ultimately totalled in a car accident. A white XXXX XXXX.
Consumer complaint received 2024-03-15
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. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records still require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 rights 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 2023-03-08
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act, XXXX 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 a account without my written instructions
Consumer complaint received 2023-03-08
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. (FL)

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 three credit bureausmust 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 : 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
Consumer complaint received 2019-12-03
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. (NC)

Reached out to lien holder to inform them that my vehicle had been deemed a total loss and informed them that I was filing claims through my insurance company and GAP Coverage to remit payment to them. I was told that was fine and to keep them up to date on the process and I did and my account is being marked delinquent even though payments have been made to my account.
Consumer complaint received 2023-03-08
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-15
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. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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