davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting an account on all XXXX credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all XXXX credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus account.
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (CO)

Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution. 
XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 
XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. 
XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Consumer complaint received 2022-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One XXXX card in XXXX of last year that promised to pay me a bonus of {$200.00} if I charged and paid off {$500.00} in charges in the first 3 months. I applied on their site and was immediately approved for the XXXX card without any problems. 

I did make the charges for over {$500.00} in the first XXXX months and paid off the charges before any due date. They did not pay the bonus and when I called, they said they changed the card to something else that would not received the bonus. I did get the XXXX card that was shown on the promotion and they never told me about any change or reason that I would not receive it. 

They owe me the {$200.00} that was the reason I chose the cards. I am mailing a copy of the letter my grandfather helped draft in XXXX to try to get their compliance department to research and do the right thing. They have never even responded. 

This shows that they intentionally had a deceiving promotion, or just lying about paying a {$200.00} if you get their card and charge at least {$500.00} in the first 3 months. I would like you to make them pay me the money they promised by the add that led me to apply and be approved for their card.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander mistakenly paid ( from my escrow account ) my entire insurance premium in XXXX XXXX instead of just the homeowner portion. The insurance binder clearly itemized the amount Santander should have paid for the homeowner portion. In XXXX XXXX, Santander completed an analysis of my escrow account, and they did not account for their error, thus increasing my escrow payment by more than {$400.00} per month, which I can not afford. I first called Santander on XX/XX/XXXX, XXXX and also emailed their customer service dept. Neither attempt was able to resolve the issue, in fact they did not reply to my email. Since that date, I have placed several calls and made several more requests to get them to correct the matter and provide documentation for my files. They have refused to provide an email address to a direct contact for me to communicate with which will also allow me a document my position. I have provided confirmation that my insurance carrier has reimbursed Santander entirely ( in XXXX XXXX ) for additional money they received due to Santander 's error and that I paid my portion throughout the year. My last communication with Santander was XX/XX/22 when I spoke to XXXX from their insurance department. She recognized the error and explained it would take XXXX business days to research and that I would get an email confirmation. To date, I have not heard from a Santander representative. 

Note, the attached was sent to XXXX XXXX XXXX XXXX XXXX, who, in turn, advised me they do not handle such a matter and referred me to helpwithmybank.com
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (LA)

The company came and picked up the car. It is finance through Ally Finance. I have been trying to get them to change this car in my name due to the death of my mother. They told me that if I sent the legal documents that I could get that done. Even after making payments and paying insurance on the car full coverage they came and picked it up. The would not even help during the hard times because the car wasn't in my name or the loan wasn't in my name. I have been honest with them through this process but they haven't with me. And now I have no vehicle to get to work and I have to try to see how I am going to get to work. I was also told that I couldn't do nothing that the car was in their possession. Not even help me finance it. You talk about hurt and not only that the guy I was speaking to rudely hung up on me.
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-01
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX  DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (TX)

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-07-21
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. (CA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I made an online deposit at Bank of America with a check that I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as per the attached photo and another online deposit at Bank of America on XX/XX/XXXX of XXXX in the amount of {$1000.00} from the company XXXX XXXX XXXX XXXX XXXX, as attached, the XXXX checks were normally cleared to my company account. On XX/XX/XXXX my wallet was stolen and it contained the XXXX check sheets, which had already been cleared and on XX/XX/XXXX the value of the XXXX checks XXXX for {$4200.00} and another for {$1000.00} was withdrawn from my account, on the statement it is marked that there was a Debit Ad adjustment Duplicate, I made a report on the day of the theft, I called the bank, I complained about the withdrawal of the money, they told me that I would have up to 60 days to investigate the incident, because I called the bank and went directly to a physical branch, I talked to a manager and at the time she called the fraud department, because so far they haven't solved my case and they don't refund my money. I always call the Bank of America fraud department and they claim I deposited XXXX Xx the same check. 
Because the bank has an electronic system and doesn't allow me to deposit the check, I don't understand why the money disappeared from my account, because if I had deposited it twice, it would have doubled the amount in my account. I already called the respective owners of the XXXX checks and they informed me that the amount did not return to their account and other than that the manager suggested and opened another account of my company and said that I could receive my checks deposited and that there would be no problem with them paying the other account that is negative because of the amount withdrawn. 
Account number : Route number : Second open account suggested by the manager : Route number : I don't know what else to do, it's already been 90 days and they claim they won't refund the money and on XXXX I made a check deposit in the amount of {$650.00} in the new account I was using normally and on XXXX they transferred {$630.00}, XXXX for the account. they closed my account they don't want to return the money and they say that the checks were cashed at a check cashing house this is absurd because I had already deposited it once
Consumer complaint received 2022-02-01
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. (LA)

On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (GA)

I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.
Consumer complaint received 2023-07-21
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)

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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Consumer complaint received 2022-02-01
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Credit reporting 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 goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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