davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IL)

I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through Santander and the various agencies they worked with. Once my account was current Santander reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

Santander has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am trying to manage security freeze online on equifax website. 
I was able to login but when trying to manage the freeze I got message that additional identification information is needed. 
In equifax customer center I was told that I need to send copy of my driver license and copy of my social security card. 
So from last XX/XX/XXXX(! ), every two weeks, I'm sending this documents to them but I still can not manage my freeze online. 
Customer service is saying that documents are received, and then asking again to send them.
Consumer complaint received 2018-08-09
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. (MI)

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a prepaid AMEX Serve credit card in the mail. I immediately knew something was wrong as it was made out in my maiden name. When I contacted AMEX fraud department, my suspicious were confirmed as the credit card request was made from an email address that I do not have. The email address was XXXX. 
Amex did confirm that the identify thief had my DOB, SS # and mailing address. 
I asked to close the account. It took 6 phone calls to the overseas fraud department and unsympathetic representatives who were reading from a script. At one point, when I asked for a case #, report # or a form of confirmation that the matter was being handled, the rep told me he was sending me a confirmation to the email address were the fake request was made. I was furious! I asked to speak with US representative who could actually assist me. All 6 calls to AMEX fraud department results in hang ups during my conversations. They never gave me a confirmation in writing or a case #. I contacted the credit bureaus and placed a freeze on my credit. American Express is absolutely irresponsible in handling identify theft! I still do not know what is going on with the credit card fraudulently opened in my name with my information! I request to speak with someone in the US office to address this serious matter. I am seeking legal advice if any damage occurs to my perfect credit due to AMEX negligence and mishandling of an identity theft matter. 

Thank you.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Over multiple years, I called and requested never to receive credit card applications in the mail from Bank of America ( I am an account holder ). At the time I was granted manager assurance that I will not longer receive card applications ; also that I have made it onto the correct list time. Flash forward 6-8 month later after moving to a new address, I received a credit card application in the mail. I called Bank of America again and a customer service specialist ( after 30min on the phone ) informed me there is nothing he can do. I went on to question him about his policy and what I have to do to never get another application in the mail. He again told me he could do nothing. It turns out the system is set up to pull only address from their database and is not linking in any way to the active account ( I already have with them ). The same account with the current updated address that can not be mailed to. That is how I received another application in the mail ; THEY FOUND A LOOP HOLE. So every year after I move to a new address I will have to call them to update my address and then go on to another specialist just to specifically ask the new address be added to the DO NOT MAIL list. UPON which he stated it takes them 90days to process that request. I CONSIDER THIS A YEARLY RISK TO MY PERSONAL FINANCE SECURITY. Every Year for three month I will receive card application in the mail. And nothing I can do changes this fact with current Bank of America Opt Out mailing policy. They do not link you new address to your account  when mailing.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Total Finance AC LLC (IL)

To whom it may concern TOTAL FINANCE AC, LLC located at XXXX. XXXX IL XXXX ( XXXX ) XXXX. 
My purpose is so that everyone gets informed and know these people are frauds. 
My name is XXXX and I have a big issue with this financial group. The problems started when they could n't show me my payments and with the overall balance. For a little over 2 years now I 've been with them. I have also have asked to speak with a manager but they have denied me that privilege and only handed me to speak with someone on the phone but I needed someone in person so they can explain to me my issues. I have a feeling that they did fraud since beginning of my contract, They also do n't explain anything through the process of signing the contract. I 'm not the only one, I asked several of the costumers they also felt as XXXX as me. Please, I ask you to help me because I feel deceived by this financier since my contract. Thank you You can contact me at ( XXXX ) XXXX. Or Email : XXXX Sincerely, XXXX
Consumer complaint received 2024-03-01
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. (NC)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-23
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 have disputed inaccuracies regarding credit inquiries with Transunion. Transunion states that these inquiries have been validated, but they have not been properly verified. 

Per my request, I asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Transunion that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing. Again, I am requesting that the creditor and Transunion provide documentation bearing my signature for consent. 

Please see attached.
Consumer complaint received 2022-06-16
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)

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a payment in the amount of {$3100.00} to be credited to my Bank of America Alaska business card ending in XXXX. However, I accidentally made the payment to my personal Alaska card in XXXX. After I realized the error I called Bank of America and requested the payment be transferred to my business card ending in XXXX on XX/XX/2022. The payment has not been transferred, no updates. Payment is due on XX/XX/2022. I am concerned I will incur interest and late fees. I have called 6 times to inquire about the status of the transfer and no update.
Consumer complaint received 2020-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OR)

I brought a XXXX XXXX XXXX in XXXX and paid it off, JPMorgan chase bank turned around and said I own {$2100.00} and send my name to credit bureau I have requested for them to validate their claim they are not able because it is a false claim, and has ignored all my request. I am requesting that they should remove this charge off from XXXX which has pass status of limitation from my credit, it is causing a hard time as to getting other loan and bettering my credit. 

Thank
Consumer complaint received 2018-05-23
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. (OH)

I have disputed inaccuracies regarding credit inquiries with Equifax. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming thorugh under this address. I have submitted my driver 's license and copies of utiliy bills showing my correct address ; however, Equifax keeps stating that the inquiries have been validated. 

Per my request, I also asked that they would submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Equifax that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistantly disputing including the new listing of this unknown address. 

Again I am requesting that the creditor and Equifax provide documentation baring my signature for consent. 

Please see attached.
Consumer complaint received 2023-04-02
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 

15 USC 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 an 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 credit plan as late for any purpose.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans union provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and transunion in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

Citibank holds now my account at Exxon Mobil. After 23 years they raised my interest to 25.24 % without notice. Then they lowered my credit limit AND NOW AGAIN without any previous notice has from XXXX day to the next, closed my account. I have NOT been late or missed any payments.
Consumer complaint received 2016-12-19
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NC)

Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION (MD)

when I received a copy of my background check there were addresses on there that I never lived at before and there were charges that I was never found guilty of on there which caused me to get turned down for a job. I believe it was because they only searched my first and last name only.
Consumer complaint received 2022-07-25
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)

I have been submitting multiple letters from XX/XX/XXXX2022 to XX/XX/XXXX2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (NC)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which is answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Discover ( XXXX ) is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a signed contract for the credit card account. Discover refuses to send me the request signed contract. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I will continue to document my efforts.