davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THESE INQUIRES. I DID NOT REQUEST FOR MY CREDIT TO BE PULLED AND ACCESSED TO THE FOLLOWING COMPANIES. BLOCK AND REMOVE THEM.
Consumer complaint received 2017-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.
Consumer complaint received 2023-02-21
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. (CA)

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of EdXXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I would like the 3 Credit Bureaus : XXXX, Equifax, XXXX to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Consumer complaint received 2024-02-01
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. (TX)

I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted. 

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been a Bank of America customer for over 8 years, I've had an exceptional payment history with my credit card account with Bank of America, I recently discovered Bank of America closed my credit card account and reported me to the credit bureaus 30 days late for XX/XX/2020, 60 days late for XX/XX/XXXX and 90 days late for XX/XX/XXXX. Bank of America has never called me, emailed me or sent me any written notice whatsoever advising me there was a balance past due with this account. My family has bee devastated XXXX XXXX, my mother has been suffering with severe medical and financial complications since XX/XX/XXXX. My only concern in my life for the past 6 months has been my mother 's health. I spoke with a representative in a Bank of America branch and advised them I was unaware I had a balance with my account because my mother 's health was my first priority, I stated I was willing to pay the past due balance in full, but I wanted Bank of America to re-open my account and remove the late postings with the credit bureaus and I was advised, they would not remove the late history. My family has bee devastated and now my credit profile has also been devastated. I'm reaching out to the CFPB to help me restore my relationship with Bank of America and restore my credit profile.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (GA)

I found that I can refinance my car loan at a lower interest rate. I contacted Hyundai Finance on Monday, XX/XX/year> and requested the payoff letter for 15 days or a 10 day letter that included a per diem which is required by the credit union who offered the loan, I was told that it would arrive by email. It did not for three days. I called again on Wednesday and later received a letter without a payoff date. This was unacceptable to the credit union so I went on the Hyundai Finance website, created an account, and downloaded a letter which was only for 10 days and did not contain a per diem statement. My credit union called Hyundai on Friday, the XXXX and they said they would email her the letter that day if she could get her manager to approve. This did not happen. 

I believe that they are trying to keep me from refinancing by refusing to comply with reasonable requests.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

when applying this Bank of America credit card, their manager offered and confirmed we will get {$200.00} bonus after spending {$1000.00} in the first 90 days. We did like that, but not received any bonus, then we contacted BOA online agent, he said it only applies to unsecured credit cards. From my understanding, this is cheating and fraud, I can't find anywhere says it should be unsecured credit cards. 

From BOA statement below, which is the only condition to get the bonus : {$200.00} online cash rewards bonus after making at least {$1000.00} in purchases in the first 90 days of account opening
Consumer complaint received 2023-02-21
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. (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. 

Account name : XXXXXXXX XXXX XXXX Account number : # # # # # 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 2024-02-01
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. (MD)

No changes were taken. I have already informed them that i am a victim of identity theft. I explained to them that i have never disputed the account as never late and therefore they need to make that investigation. I have always disputed that account as identity theft asking for reinvestigation and sending me results and artifacts but they are not following the law and proper procedures such as verifying wet signatures or deleting the account within 4 business days of receiving the paper work.
Consumer complaint received 2024-02-01
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. (IL)

Last year I discovered a false account with XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

FACTS My mortgage servicer is Citizens. Due to XXXX, I have had higher household/family expenses and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX Ohio for assistance. With the help of Legal Aid, I applied for mortgage assistance through Ohio XXXX XXXX XXXX 's Homeowners Assistance Fund ( HAF ) program, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the Ohio XXXX XXXX XXXX conditionally approved her application. However, XXXX XXXX XXXX is still waiting for Citizens to complete their part of the process. In accordance with XXXX Treasury guidance, after an application is approved, XXXX XXXX XXXX uses a Secure Data Exchange to send an information record to the servicer. There should be at least one person at Citizens who has access to this secure portal and is responsible for sending back a verification record to XXXX XXXX XXXXXXXX. Once XXXXXXXX XXXX  XXXX has that record, they can process the payment and sent it to Citizens. As of today, Citizens has not sent that verification record back, leaving me in limbo. 

WHAT WE HAVE DONE I have contacted XXXX XXXX XXXX multiple times to get an update on their communication with the servicer. Most recently, XXXXXXXX XXXX XXXX emailed Citizens another record request on XX/XX/XXXX. 

I contacted Citizens on XX/XX/XXXX and was told that they had not received a record request from XXXXXXXX XXXX XXXXXXXX. The person I spoke with did not seem to understand that the records must be sent through XXXXXXXX XXXX XXXXXXXX 's secure data exchange, not through fax. 

This issue can be resolved if Citizens participates in XXXX XXXX XXXX appropriately by utilizing the Secure Data Exchange as suggested by XXXX Treasurer guidance. If they do not know how, they should call XXXX XXXX XXXX at XXXX.
Consumer complaint received 2024-02-01
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$590.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-01
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Dear, XXXX XXXX XXXX XXXX XXXX veteran, on XX/XX/year> I got text about confirmed reservation from booking.com upon checking the link It was hotel reservations I didnt make reservations so I cancelled It and called booking.com I was told XXXX made the reservation I have daughter Registered XXXX daughter name XXXX too I called my daughter she told me Dad I didNIT make the reservation and she DOE NOT have my credit also and she told me why I want go to XXXX XXXX XXXX I am working so I called booking again spoke with XXXX XXXX told them could you please listen to the conversation who made the reservation he told me we will email you my daughter is XXXX and never used any of my credit cards at same time I got called from XXXX if I XXXX {$400.00} they will forgive my balance I XXXX {$200.00} and supposed to XXXX another {$200.00} to find out It was spam because somebody tried to pay for my property insurance It seems somebody knew about my family, credit cards, address, birthday everything about me so I called the credit card to file dispute but I was told this is fraud so I went to the Sherriff dept and filed fraud report and gave the information fraud report to credit card too but credit card did not credit my account even though I canceled the reservation MY DAUGHTER did not know my credit card I have It in my possession