davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (OH)

A letter from Huntington Bank dated XX/XX/XXXX was sent to me saying a checking account was opened in my name. I called the bank on XX/XX/XXXX inquiring about the account and they closed the account the same day. XX/XX/XXXX I contacted the credit bureau and froze my credit report from being pulled. A letter from Huntington dated XX/XX/XXXX was informing me that a XXXX XXXX tried to withdraw {$1500.00} from the fraudulent checking account. The withdrawal was denied.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I called XX/XX/2021 to synchrony bank care credit. They closed my card on XX/XX/XXXX without telling me for reason of credit change. There has not been any significant changes in my credit. Only a minor change. Credit is still above 650 and has only changed a few considering I just financed a car and have a small student loan. Both of which shouldnt impact this too much. This line of credit with Synchrony Care Credit was over $ XXXX and has caused my credit score to decrease since its closure. Synchrony will not talk to me further about it. This card paid for one of my surgeries and was going to be used to pay for another which now I cant get because of this account closure. My account has always been in good standing. Never had a late payment and always paid on time or early. Paid off my account earlier than was expected as well.
Consumer complaint received 2022-04-10
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)

I've tried for 3 months to get validation of medical debts. I've disputed and in every case have been told the debt was valid without any validation of the debt by me. I was in the XXXX in XXXX but the debts are dated for XXXX... I'm assuming so these debts could be rushed to my credit report bypassing the 6 month wait period. I've dealt with the hospital and their {$120000.00} bill and only received care while confined to the hospital with no followups are outside care. The bill from the hospital is about XXXX pages and I see no debts for the amounts that were turned over to the collection agencies. I've never received any billing nor any communication with collection agencies. I'm confused how the credit credit bureaus can determine a debt validated without me?
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Credit Reporting Issue I have an account with Toyota Motor Credit that is currently CLOSED and PAID OFF. However, the account and history is only being reported to XXXX and XXXX. It is not being reported to XXXX. The account previously was reporting to XXXX. PLEASE NOTE, I AM NOT DISPUTING THIS ACCOUNT, THEREFORE A DISPUTE COMMENT SHOULD NOT BE INSERTED ON THE ACCOUNT WITH THE CREDIT REPORTING AGENCIES. Refer to Screenshot attached to this complaint for credit reporting.
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX of 2020 I had made a purchase on XXXX XXXX XXXX XXXX for a CPU and chose to use XXXX to finance the purchase. Upon completing or what I had thought to be the completion of the purchase I received an email from XXXX asking me to go back to XXXX and complete my order. I then went to check my email inbox to see if I had received any emails from XXXX with an order confirmation email, but I could not locate one in my inbox or spam folder. 

So at XXXX request I went back to XXXX and completed my order. Once again I did not receive any order confirmation email from XXXX so I went online to check my XXXX account to see that I now had two pending loans with XXXX. I attempted to work with XXXX and XXXX to resolve the matter but XXXX was unable to locate any orders under my name and address provided. XXXX was also unwilling to work with XXXX to resolve the matter. 

I eventually received two CPU/computer processors from seller who had placed the bids on XXXX and immediately returned the second computer processor to the sender via XXXX. I then paid the first loan off with XXXX and filed a disputed for the second loan providing them with the XXXX tracking number showing them I had returned the product to the seller as this was a duplicate order created by XXXX asking me to go back and complete my order. 

XXXX then denied the disputed and demanded that I also pay them for the second loan that was created in error by a misleading email sent by them also knowing the merchandise was returned to the seller. XXXX has since turned the second loan over to XXXX XXXX a dept collector and there is now a collection pending on credit report. 

I believe this to be a UDAAP violation as this has adversely affected my credit report. This first loan has been paid in full to XXXX and the merchandise for the second loan was returned to the seller but yet XXXX still wanted to collect on this dept knowing all of the above information. 

I have all email communications and screen shots related to this matter as evidence. 

Please assist. 

Thank you!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, I am writing to dispute late payments that are currently being reported on my credit report. Specifically, I am disputing late payments that were reported on account # XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
And account # XXXX months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The Fair Credit Reporting Act requires that consumers be provided a 30-day period after the payment due date before an account can be reported as late. However, I was never provided the mandatory 30 or 60-day late notification period before these late payments were reported. This is also very inaccurate compared to my XXXX report which only has XXXX late payments inaccurately reporting and both reporting agencies get the same data so how do I have 7 more late payments on TransUnion? 

Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that furnishers may not report information about a late payment until 30 days after the payment due date. By reporting this late payment without first providing the required 30 or 60-day late period, XXXX and TransUnion violated federal law. 

Pursuant to the FCRA, I am requesting that you remove the disputed late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. I am also requesting that you provide me with copies of any correspondence or records that show I was properly notified that the payment was past due, as required by law, before reporting it late. 

Please investigate these disputed late payments and correct any inaccurate or incomplete information on my report. I can be reached at XXXX and or XXXX if additional information is required. Thank you in advance for your prompt attention and compliance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-04-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX, 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 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Back in XXXX I filed police report stating identity theft had taken place. One of the fraudulent accounts was from the bureaus, a XXXX  XXXX credit card. It was removed and then all of a sudden it reappeared back on my credit report recently which is fraudulent and reporting in activate an absolute information. Their address is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX. And it has a balance of {$800.00}. Please investigate contact this company and make sure that they never put it back on my credit report because it has resulted in a decrease in my credit score.
Consumer complaint received 2024-03-08
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. (TX)

reviewed my Consumer Reports and noticed that I had two late payments on an account, I have been keeping up with my payments and guaranteed that on time payments is my number one priority and that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have not been late on recent payments for the account XXXX XXXXXXXX account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In Accordingness with the Fair credit act conversion account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates
Consumer complaint received 2024-03-08
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX 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 a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpos
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Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OR)

Today XX/XX/XXXX I received a debt collection letter for a company named XXXX XXXX XXXX XXXX which I have never heard of or accrued debt with. The collection agency named Wakefield & Associates letter stated debt was obtained XXXX, XXXX, XXXX. When I look up the creditor, I can not find any information on what it truly is even. It doesnt seem legitimate as a company, and for sure is nothing I owe. My name wasnt even correct. The link to the website on their page isnt even legit.
Consumer complaint received 2022-04-10
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. (SC)

hello my name is XXXX XXXX XXXX I've reported to buearuse several times about addresses that are not mine on my credit to have removed they did not remove also there's soft inquiries on my credit that are incorrect and they have not removed also I told them I'm in a process with buying a house several times I've told them the charge offs that where settled between me and the collectors I've asked to have removed they told me show proof and they will removed not just I showed proof the collectors I settled the debts with told then I've settled my accounts and to have it removed not only the associates and manager 's refuse to remove off of my credit even though they told me they would if I showed proof when I did including false addresses as well on my credit I've Ben denied for a home because of this
Consumer complaint received 2023-06-22
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. (MS)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MI)

I am very sorry, that I was unable to fulfill my obligation to the original creditor for credit. If the original creditor is not seeking their money I do not believe that a, third-party fourth party, fifth party, should have the ability to collect money that the original creditor has already written that loan off. I dont understand whos getting the money the collection agency with no skin in the game or the original creditor that doesnt want it because XXXX write it off on their Texas. All Im asking for is to remove this collection from my credit report.The account was closed on XX/XX/2020. Charged off account : Account closed by credit grantor Amount was XXXX
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC (OH)

On XX/XX/2019 my brother had my id and went to a XXXX and got a loan in my name for looks like XXXX. I've been trying to dispute I've called them there still saying its my loan. I have a copy that came from there XXXX ohio branch of my id and a picture of him in the XXXX day of loan clearly not me there's a. Part on the paper that says must read notes one says the starter check he gave them was fake so was his pay stub and he don't have a cdl license I want them to remove from my credit immediately thank you the collection agency is national credit adjusters, the loan came from XXXX XXXX XXXX in XXXX gave him the money
Consumer complaint received 2018-08-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RESIDENTIAL HOME FUNDING CORP. (NJ)

Dear Banking & Insurance Rep, Im writing in regards of loan from Residential Home funding, Corp, RHF Number XXXX. 
I filed a previous report back in XX/XX/2018, which was answered by the President Mr. XXXX XXXX. I have attempted to contact him over the most recent issue ; which is extending to the previous issue already cited inappropriate contact with the Contractor without consultation with myself ( Lendee ). Upon reaching out to him by phone, he answered and said hed call me back in an hour. After several hours, I followed it up with a phone email, where he asked that I give him a chance to discuss it. Thus, upon attempting to do so, my calls were automatically directed to voicemail, which mailbox is full and can not accept message. Yes I had to change my number unexpectedly, but email has ALWAYS been more feasible ( see email upon request ) This is resulting in filing a complaint. I have put him and his associates numerous times for this misconduct and unethical behavior, yet they repeatedly attempt to deviate and NOT inform me of issues or concerns. Now I am being ignored just as before. 
At this point, I dont believe there is relief adequately and thereby effecting them from such repeatedly abuse of the contract or law and/or policies. 
This needs to STOP. They must deal with me directly, Ive ALWAYS been responsive quickly and deal with concerns as they arise through my email, therefore, they did not attempt to contact me until after I raised the issue once again after finding out they talked with the Contactor unwilling to me. 
I have closed on the house in XX/XX/2018, however, still need to seek the finalized of the 203K program final draw. I dont need anymore interruptions or issues arising due to their neglect and misuse of their power over my loan and/or processing of such finalization. 
When is the Banking and & Insurance or the Consumer Financial Bureau going to actual fine or enforce them to STOP doing this misconduct? 
Please get back with me immediately. See below information. 
XXXX XXXX | Vice President of UnderwritingResidential Home Funding Corp. 
XXXX XXXX XXXX, XXXX XXXX |XXXX , NJ XXXX Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX
Consumer complaint received 2022-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The reason for my dispute is because Capital one credit card is totally ignoring my claim # XXXX. this is why on XX/XX/2021 I received car repair from XXXX XXXX XXXX XXXX  of which I sent a letter on XX/XX/2021 to capital one explaining all of what happen and that I am unsatisfied with the services provided by the above mention and feel scammed and helpless that I had also contacted XXXX XXXX XXXX XXXX Corporate Filed # XXXX on XX/XX/2021, XX/XX/2021 and they never answer back also ignoring my claim. I also provided capital one with the inspection report and the breakdown of charges, also provided the sale contract where you can see the that I trade it in the vehicle service at XXXX the very next day Because my vehicle broke down completely which force me to trade it in for the lowest amount but capital one does not understand that this vehicle was sold and I can not provide a second opinion from a merchant on the same field its impossible so capital one decided to close my case and charge me all that money that I got scammed back into my credit card so I can pay high interest on a scam of which I was the victim of.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

4 accounts with XXXX XXXX were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed XXXX XXXX and the collection companies that the amount claimed was not accurate. XXXX XXXX refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, XXXX XXXX has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

Hello, I have a bank account in the US with XXXX which is supported by Wells Fargo Bank. 
On the XXXX XX/XX/2021 I made a transfer to : XXXX XXXX Wire XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX United States Amount : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX The routing number for this bank was XXXX, but I was informed by XXXX that I need to change the number to ACH XXXX. Link below : XXXX XXXX XXXX  The thing is that XXXX  company didnt get the payment for Stock number XXXX till this day and dont see the money on their account. 

Please help to receive my money back as I was misled by to official information put by XXXX. 


Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX.