davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (TX)

i placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can do?
Consumer complaint received 2019-04-26
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: Navient Solutions, LLC. (FL)

Several years ago my now EX HUSBAND pursued his XXXX XXXX and since we were married I was the Borrower and he was the Co-Borrower on BOTH private and federal student loans. 

I am currently being pursued by XXXX, XXXX XXXX XXXX XXXX, XXXX for an outrageous amount of {$70000.00} and have derogatory information on my credit from the original creditor which was Sallie Mae but now serviced by Navient-reporting loans that are his sole responsibility. 

The amount is astronomical and I am having a very difficult time surviving with my children and our living expenses while he is enjoying the fruits of this very expensive education and lifestyle of an XXXX. 

Per the Divorce Decree that I have uploaded you will see that on the 3rd page it clearly states that my then Husband XXXX XXXX XXXX would be the sole responsible party for all debts in relation to this defaulted debt. Per the divorce decree he was also to refinance the loans under his name removing me from this responsibility and he has failed this order along with other ( s ) that do not pertain to this topic. 

This is seriously affecting me from obtaining a promotion at my place of employment that would allow me to provide more for my children. 

I really need these items to be removed. I have attempted to dispute them. And will be sending out another dispute with a copy of the same divorce decree being provided to you in hopes that this will get removed.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (AR)

XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-27
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a XXXX XXXX collection with a PAST DUE BALANCE of {$.00} As well as a XXXX account they said Account information disputed by consumer, meets FCRA requirements. 
I asked Transunion to reinvestigate this error on my credit report and they verified the information as accurate and will not let me re dispute these accounts again. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-12-30
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$250.00}.
Consumer complaint received 2020-12-17
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. (OK)

Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that GM Financial reported a late payments/negative information regarding my account XXXX. 

I am requesting that this late payment ( s ) be assessed for accuracy. 

Since I have disputed information with GM Financial, I feel this is there way of retaliation to damage my credit report. 

This incorrect listing has damaged my credit score and questioned my credit worthiness to the extent that it may be concerning to my employer. It is extremely embarrassing and has adversely affected my reputation. 

For your reference, I have attached copies of the required documents that corroborate my claim. 

I returned a vehicle to GM Financial sometime in 2014, as a voluntary repossession. I received to letters from them regarding there process, which indicated if the car was sold, I would still be responsible for the negative balance. 

I do not recall receiving any documentation to when the car was sold, and how much the car was sold for. 

Please take a note of the dates and update my account status at the earliest convenience. Also forward a copy of my updated credit report to my address, stated above. 

Also, in response to the phone call/letter received *lender* on *date* I am requesting validation of this debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7.  Your license numbers and Registered Agent If your office fails to reply to this debt validation request, I am asking that all instances related to this account must be immediately deleted and completely removed from my all 3 credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Thank You
Consumer complaint received 2024-03-04
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. (UT)

I recently went into my XXXX XXXX and noticed a ton of inquires that I did not authorize. A lot of them are from dealerships who advised credit would not be pulled and now there's a ton of inquiries that I never authorized nor did I ever purchase a vehicle or finance through them. I disputed the inquiries with the bureaus but no change was made
Consumer complaint received 2023-07-18
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: JPMORGAN CHASE & CO. (AL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor maynot treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

CITIZENS ONE IS NOW CAUSING PUBLIC EMBARRASSMENT BY SENDING A LATE NOTICE AND A CFPB RESPONSE TO AN ADDRESS I HAVE NOT LIVED AT SINCE XX/XX/2018. THIS WAS HAND DELIVERED TO ME BY MY OLD LANDLORD, WHICH IN TURN HAS CAUSED A PROBLEM AS THEY ARE UPSET I LEFT DUE TO A HOME PURCHASE. 

XXXX XXXX, OFFICE OF THE CHAIRMAN INTENTIONALLY SIGNED, APPROVED, AND MAILED A CFPB RESPONSE LETTER TO ME ; WITH AN OLD ADDRESS THAT HAS BEEN PREVIOUSLY UPDATED ON THEIR FILES. THIS WAS AS A FOLLOW UP TO MY REQUEST FOR WRITTEN COMMUNICATION ONLY, TO A CFPB COMPLAINT, AND ALL FUTURE CORRESPONDENCE. WHEN I STARTED MY COMPLAINT ABOUT THE COMPANY, I HAD A CURRENT AUTO LOAN, IN FACT IT WAS OVER PAID THE PRIOR MONTH. 

I WAS ASKING FOR AN EXTENSION, AND AT THE BEGINNING OF MY CALL I WAS FALSELY MISLEAD THAT I WOULD RECEIVE THAT EXTENSION, THEN TREATED POORLY ON THE PHONE ; AND TOLD I DO NOT QUALIFY AFTER I WAS TOLD THEY WOULD HELP. NOW THIS. 

I FEEL LIKE CITIZENS IS TRYING TO INTENTIONALLY HARM MY REPUTATION AND NAME, AND HARASS ME. 

I PAY MY BILLS ON TIME, I HAVE A HIGH CREDIT SCORE, AND THIS IS UNJUST HARASSMENT FROM CITIZENS ONE BANK
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2019-04-26
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: CITIBANK, N.A. (CA)

SEARS/CBNA i opened a Sears CC at XXXX XXXX XXXX, the store clerk entered a wrong address into his computer for my home of record. i went to the XXXX store 3 times to find out why i was not receiving any correspondence or bills. the Store manager said they had no info and to just wait as new accounts took time. they had no info in system so could not tell me what to pay or take my payment and guarantee it would be accounted for to my account properly. 

I was given a number to call, but since i did not have an account number i could not get through computer screening system, after many attempts i finally got through to a person but by then my Credit report showed delinquent. i was able to give them proper address and pay off amount ; their internal system showed all mail sent to me was RTS. 

phone rep said to file appeal through credit reporting agencies which i have done many times with no change. 

most calls were dialed on work phone but i have a snipet of one that was dialed from my phone XX/XX/2018 trying to connect with a Rep
Consumer complaint received 2023-04-03
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. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-18
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. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION (WA)

on XX/XX/2019, I deposited 4 money orders into my account that I purchased, that were not used for the intended purposes. The total was {$1000.00} ; one for {$13.00}, one for {$12.00}, and two for {$500.00} each. On XX/XX/2019, my account was frozen. I called to see why, and they told me that the money orders were suspicious & altered. While I did make these money orders out to my former apartments, they did not accept them and returned them to me ( providing a dated letter stating that they did so ), and they did not endorse them. I crossed out the " pay to the order of '' line and wrote my name beside that. I then endorsed the money orders and deposited them. I saved my receipts, so once informed of the issue, I provided the receipts along with the letters from the apartment community to my bank as they requested. They said once they got receipts, they would be able to unfreeze my account. They did not. I am still having the same issue as of XX/XX/XXXX. I need these funds as I've accepted a promotion in XXXX, and have bills that need to be paid. This is the 10th business day, and I spoke with a customer service rep and supervisor in the call center today that said as of now, they don't have a resolve date for me. They are requesting a new letter from my apartments that I am unable to get, as I'm currently in a legal dispute with them and we're only speaking through lawyers. I don't feel that the proof of burden is on me in this situation, as they are the ones who have decided to freeze the account and I have been their customer with no issue for over a year.