davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I went to XXXX  XXXX in XXXX of XXXX I obtained a lease for a XXXX XXXX XXXX, I later discovered that the mileage was incorrect, I made a complaint with XXXX XXXX and the dealership was to contact me. They did not. I attempted to purchase my third vehicle from XXXX XXXX on XX/XX/XXXX completed a full credit application and found a car however, we did not complete the sale. The same salesman said that I owed over {$4000.00} for an early termination fees, mind you I completed my lease so this is not true. They failed to try to work with me to correct their error and sell me the XXXX. This is the car I wanted, I had an approval at XXXX and my XXXX had been appraised at a higher value that XXXX had stated as the residual value. I left the dealership because they were not trying to work with me and didn't recall the issue with the lease and wrong mileage on my contract. I tried to payoff the vehicle/loan via XXXX and XXXX Finance refused to speak to XXXX to which I authorized on my loan. Now they are impacting my credit report after they refused payoff not once but twice.
Consumer complaint received 2022-04-11
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)

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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Credit Card Receivables Fund Incorporated (GA)

I remember applying for a XXXX XXXX credit card in store, but due to me moving a lot & living from person to person. I never received a credit card from them. And today I received a paper from the courts saying that I owe money to a account that I never knew about. Not sure what to do, I believe someone is using that credit card in Florida to buy things. And I am currently in Georgia not Florida for the last few years. Need help resolving, please & thank you! 

Claim is for {$560.00}
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2022-09-28
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. (GA)

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Second Round Limited Partnership, Austin, TX Branch (PA)

On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.
Consumer complaint received 2018-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MD)

This has been a very long stressful 7 years fighting to save my home. After fighting throughout these years in and out of court the only way I could stop the wrongful foreclosure was to file for bankruptcy. I finally had my day in court to provide proof I have made all my payments and was not delinquent on my payments and the only payments I owed were all the payments that were returned back to me by the bank. As you can see on the attachments the judge ruled in our favor. I have recently requested for a payoff, so I can leave this financial institution and I had to request twice thru my attorney and had to send a request in writing thru registered receipt and it took over two months to finally receive the request. And the payoff is incorrect! They are currently charging me for bankruptcy fees and cost, when they are the reason I had to file to begin with because they gave me no choice, it was the only way to stop the wrongful foreclosure! Also, throughout these years, even when the account was with XXXX, I have had an overage on my Escrow and this payoff does not reflect that overage. M & T Bank is holding a claims payment from the insurance to repair our roof for {$13000.00} that is not reflecting on this payoff. The statements I have been receiving is reflecting I am late on my payments again..how many more times are they going to do this and when will the harassment stop! I am current and I have all the cashed checks to provide proof if needed ( there are too many to attach, but I will provide them upon request ).
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I noticed charges from XXXX. I called the Bank to report I didnt make these and they were processing. They told me that there were charges from XXXX now and some on XX/XX/2022. I told them I didnt make these charges. They totaled {$2600.00}. Theyre not refunding my account. They said that I have a relationship with this Como but I explained that I only authorize XXXX to charge {$.00} cents monthly to back up my phone data. I am asking to get my money back as I did not make these charges. Please help me.
Consumer complaint received 2022-09-28
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. (MS)

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( EXPERIAN, XXXX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
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. (TX)

Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is XXXX. Please remove from credit bureaus.
Consumer complaint received 2024-03-09
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$55.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$260.00} XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting inaccurate information on one of my accounts. XXXX and XXXX are reporting different information. I have asked for an investigation into this account as well as sufficient proof, yet I have received nothing. I have attached the accounts reporting to XXXX and transunion for your reference as well as the initial letter that was mailed. I am requesting for the following account to be removed from my credit report immediately. DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2021-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK ()

On XX/XX/2021 I received an unsolicited solicitation for a student loan. 

This mailing contained NO INTEREST RATE information other than " no payments until after graduation ''. This appears to be fraudulent scam mail, and I believe it is illegal. I will NOT respond, of course, so I have no account with this business. If it is not illegal to entice and entrap consumer students in this way, it should be illegal! I will be contacting my XXXX Representative with this information. 

The source was : DISCOVER Student Loans, Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank issued a credit card without my consent, and they issued this credit card holding on a secure credit card deposit of {$500.00}, they failed to provide any proof of me requesting this credit card and they admit it was a mistake, they offered me a solution to close the secure CC which is my oldest credit card that I built my credit score on, and if I closed it I will have a huge negative impact my credit history score, I refuse to pay for their mistake by the effect my credit score.
Consumer complaint received 2021-05-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA (AL)

I applied for a home loan with XXXX XXXX XXXX in XXXX, AL and upon the initial review it was not made known that I had two loans with American Education Services ( original {$3000.00} each, now {$6000.00} each ) that did not show a monthly payment amount. I did not notice this until the 11th hour of closing, XX/XX/2021, where closing is XX/XX/2021. Now I know why the loan consultant kept mentioning DTI. Instead of listing my actual monthly payment of {$25.00} on the credit report that I consistently paid with an arrangement due to a chronic medical issue. Before this payment, I was making {$42.00} each loan for three years straight ( {$84.00} XXXX without a decrease in principal in which documentation is attached. XXXX XXXX Loans has assessed the 1 % rule to these loans now totaling {$12000.00} which is showing a monthly payment of {$120.00}, bringing up my DTI where I have to put down 20 % instead of 16.5 %. This is very stressful, to say the least, unfair, and a violation of fair credit law. The loan consultant at XXXX XXXX XXXX is refusing to accept my request to correct the matter due to time constraints and the fact that these loans are in deferment.
Consumer complaint received 2021-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

I recently acquired a US Bank branded XXXX XXXX XXXX Generally works well, but is often and repeatedly declined at a number of locations. Have spoken to Customer Service repeatedly without results, so I always carry another card. 

Went to a State of Texas approved facility this am to get printed for a TX license. The provider swiped my CC to enter my data automatically on his screen. XXXX and behold, the full name, card number, and expiry appeared on the screen, but the data are NOT MINE. He repeated the entire process to confirm with the same result ( I have photos to prove it ). 

So I have a CC from US Bank, it has my name and card number printed correctly on the card, and since my billing appears to be correct, the chip part seems to be working properly, but the mag stripe portion goes to another user and account entirely. Yes, I have the card and data to prove it. 

If this is XXXX in the CC industry, this is an invitation to financial shenanigans that are wholly unpredictable. If this is a fluke, at least an entire batch of US Bank CCs is out in the wild swiping mis-matched account data. Depending on the size of that batch, this could be hundreds, thousands, or even tens of thousands of CCs. 

US Bank is providing a replacement CC, but appears to be taking no further action. This could be disaster, depending on the size/scale of this event occurring in practice in the industry.