davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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. (TX)

Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I 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 30 days 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-28
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. (TX)

Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX The XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My husband and I had a car loan with Bank of America, which was paid in full with funds from a home equity line of credit. The line of credit was provided by XXXX XXXX XXXX who sent a check for payment in full with an Authorization for Payoff instructing Bank of America to accept payment, close the account, release all liens and send completed documents to us. 

The Authorization for Payoff is dated XX/XX/XXXX. A letter from Bank of America dated XX/XX/XXXX was received showing the loan has a XXXX   balance, but no lien release or cancelled loan documents were received. 

After several attempts to contact Bank of America, I was successful in receiving a lien release and now have the proper title for our vehicle. However, according to Illinois law they are required to provide title and documents within 60 days or pay us a fine of {$150.00}. I am requesting payment of the fine to us. 

I did not receive the lien release until XX/XX/XXXX, and only received it because I repeatedly requested it.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Background : On XX/XX/XXXX, inquired about a short term rental in XXXX XXXX from XX/XX/2022 - XX/XX/XXXX XXXX 'realtor ' who called himself, XXXX XXXX, emailed me back immediately with a very detailed overview of the property and the terms ( I can forward you that email if that is helpful! ). He then reached out to me via text message and provided me with information about the apartment and encouraged me to reserve the apartment soon, because it is a popular listing. Once I was ready to reserve the apartment, he sent over an informal " Rental Agreement '' that I signed and sent back to him, and then paid him the deposit over Zelle and XXXX so that I could lock down the rental unit. XXXX told me that I could cancel at any time and get a full refund, so I figured, why not reserve the unit. I ended up needing to cancel the reservation. XXXX confirmed that the payment would come soon, and eventually stopped responding altogether. I called the XXXX XXXX that he was impersonating, and he informed me that there was no unit at that location and that it was a scam. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breakdown of the deposit : Rent was listed as {$1500.00} per month, but ended up agreeing to {$1500.00}. Total deposit was {$1500.00} ( one month rent ) + {$1000.00} + {$250.00} cleaning fee = {$2700.00} Zelle only lets you transfer a total of {$2500.00} per week, so I paid him in two {$1000.00} installments over Zelle, and {$750.00} over XXXX, to total {$2700.00} deposit. 
Zelle Payment ( {$2000.00} ) was sent to " XXXX XXXX '' at XXXX XXXX Payment ( {$750.00} ) was sent to XXXX XXXX  Contact Info : Email Address : XXXX Cell Phone Number : XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-28
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am requesting a copy of an opt-out form that allows me to opt out of this item from reporting on my credit profile under Privacy of Consumer Financial Information , 12 CFR Part 1016.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

We sold our home on XX/XX/XXXX. Flagstar Mortgage was by law supposed to refund our escrow balance of over {$5000.00} within 30 days. We contacted them on XX/XX/XXXX and found out that the check had been mailed to our former address, and was not forwardable. They agreed to re-issue the check. We contacted them again on XX/XX/XXXX when we still had not received the check, were again told they would re-issue the check, and that we would receive within 3-5 business days. We contacted them again on XXXX when we still had not received the check, and spoke to a Supervisor. We asked him to wire transfer the funds directly to our checking account ; he said he could put a stop payment on a check he said was issued on XX/XX/XXXX, but that we would then have to wait another 2 weeks for them to make sure that this check did not clear, before they could accommodate us. He suggested we wait another 24 hours to see if the check showed up. I told him I would do this, but that this would be my last phone call before taking action against his firm if the check did not show up. It did not show up again today.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (NY)

After reviewing the uploaded contract Santander Provided, I noticed that they Altered the Contract without my knowledge. After further review I also noticed some weird charges regarding the GAP insurance. I never requested a refund on GAP insurance, and I never received the funds either. it looks like they had me pay for the gap insurance and then somehow cancelled it and pocketed the fee for themselves. This bank is trying to collect double the amount of money for this loan and that is violating consumer law. They have not
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

On XX/XX/22 I paid XXXX a XXXX XXXX company XXXX $ that was in collections and I started a new policy with them as well. I called them multiple times asking them to remove it from my credit report. The representative told me there was nothing she could do.
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. (NY)

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/year> ) to update this suspicious information. I think you have not validated these accounts in accordance with SectionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX including it again. 
XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$76.00} XXXX XXXX  XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2023-12-05
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: EQUIFAX, INC. (NJ)

I am writing to bring your attention to the following accounts that should not be on my credit report but were furnished by the credit consulting bureaus. These entries have significantly impacted my credit scores, and I am now escalating this matter to request the immediate removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2022, I was sent {$790.00} by another Person. The estimated date of arrival was on yesterday, XX/XX/2022. So, I never received my money. I called them and ask where was my money? They said it was an engineering problem. They was going to reach out to that department and let me know when it is transferred. They were unable to tell me when I will be getting my money. I just had XXXX and at least deserve to know when I will have my money. Please help me.
Consumer complaint received 2022-10-26
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

on XX/XX/XXXX I paid XXXX of my balance leaving a XXXX dollar balance, on XX/XX/XXXX Capital One charged me XXXX dollar interest fee.??? They will not remove the charge and I asked how can you charge me that much interest on XXXX??? The rep could not give me a straight answer.
Consumer complaint received 2022-10-26
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. (TX)

On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, XXXX, & Experian for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, Experian & XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB
Consumer complaint received 2021-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. I've had this card since XXXX. I received my statement by mail in XXXX and when I attempted to log in and make a payment ( like the prior 12 years ) I was unable. I called XXXX  ( Barclays ) and asked to make a payment over the phone, also said NO. Something about their system being down and the business cards are being transitioned to a different system. So, as of today ..... 

I've bee unable to log into my account online so see transactions or be notified if there is a fraudulent sale. 
I'm unable to make a payment over the phone. 
The customer service people say they can't see my account????? 
The card seems to be working but I'm very concerned Barclays will charge me late fees or interest. I never carry a balance on my cards.

Please help me push Barclays to get my online access and online payment option available.
Consumer complaint received 2021-09-26
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
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. (PA)

It's my understanding that FCRA 605B obligates us to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? There are inaccuracies in some of the listed accounts, and it's causing me discomfort.
Consumer complaint received 2022-10-26
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: CONTOUR MORTGAGE CORPORATION (MI)

I applied for a mortgage with my XXXX XXXX. They ran my credit ( which I authorized ) and then I received no less then 45 solicitation calls from other mortgage lenders directly on my cell phone. I have asked several to stop calling but can't get to all of them.
Consumer complaint received 2023-03-14
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. (IN)

Company failed to notate dispute within 5 business days. failed to delete the inaccurate / unverified accounts. failed to maintain maximum possible accuracy. failed to exercise their grave responsibilities with fairness, impartiality, and a respect to my right to privacy.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-03-14
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. (IN)

In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights.

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any purpose.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.