davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted XXXX XXXX 3 times to resolve the issue. I was told XXXX XXXX switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
Consumer complaint received 2024-03-01
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. (ME)

I am writing to express my deep concern and frustration regarding the presence of an account on my credit report, which I have been unable to verify. The account in question XXXX XXXXXXXX has been causing me significant stress and XXXX as I have repeatedly disputed its validity to no avail. Despite my efforts to resolve this matter, the account continues to appear on my credit report, casting doubt on my financial credibility and jeopardizing my future financial prospects, including my ability to secure housing. I demand that this account be thoroughly reinvestigated and promptly removed from my credit report. I refuse to accept its presence without clear evidence that I am responsible for it. As such, I am formally requesting proof of my initiation of this account, including any signed agreements or relevant documents. If such evidence can not be provided, I insist that the account be deleted from my report immediately.
Consumer complaint received 2023-03-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

received a collections notice for a debt from a semester that i signed up for but couldn't attend due to XXXX. This was a semester of dissertation, and the university shut down during this time. I believe this constitutes a breach of contract on the University 's side. 

Furthermore, the state has withheld funds from my tax return in support of this claim, so i believe that the amount the debt collector is referencing to be wrong. A total of {$14000.00}.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

I checked my credit report today XX/XX/19 and I have a hard inquiry from a company by the name of SYNCB. I didnt apply for any card. Called company got the run around. I need to call XXXX XXXX, XXXX XXXX. They tell me I have to get ahold of SYNCB.
Consumer complaint received 2024-03-01
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had contacted XXXX report # XXXX regarding information they are reporting and they did not provide me proper notification according to 15 U.S. Code 6802 and they refused to provide me with any proof that proper notification was made to me.
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NJ)

Complaint : Posted check to closed account # XXXX and does not return check ( 3 + month past due ) Using automatic bill pay I sent two checks on XX/XX/18 and XX/XX/18 to Chase Auto Finance in the amount of {$2600.00} each, this payment was sent by mistake and was not intended for Chase Auto Finance. 
Realizing my mistake I called Chase Auto finance on second week of XX/XX/XXXX and I was assured that checks will not be cashed and will be sent back within 10 business day since my auto loan ( loan # XXXX ) at Chase Auto Finance was closed several years back. While I was following up on weekly basis Chase deposits check on XX/XX/18 and XX/XX/18. So either the customer service representative was lying to me or the account department was lying to customer representative that they are reversing the posting and sending back the check. 
As of today XX/XX/2018 it's been more than 3 months, several follow up, fax message and faxing bank statement proof has not yielded any result. Every phone call they keep assuring that there is work order ( case # XXXX ( not sure if this is valid or a made up number by customer rep. ) ) and I will receive my check in 10 business day but Chase is not returning my check. How can chase post a check to closed account and hold it as their revenue isn't it against the accounting rule?
Consumer complaint received 2018-08-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BRite Financial Services, Inc. (MI)

On XX/XX/XXXX, I e-mailed Brite Financial requesting a payoff amount for me to purchase my vehicle at the end of my lease. They quoted me a payoff in the amount of {$5100.00}, minus the {$1000.00} security deposit, i.e., {$4100.00}. According to Brite, this payoff amount was good for 10 calendar days. 

Prior to the XXXX, I had called Brite for a payoff and could not reach anyone because their customer service line was down. I also went in person to a Carite location ( Carite being the dealership that I went to to lease the vehicle, which dealership finances via Brite ) to ask for the payoff. They then e-mailed Brite to inform them I was trying to finalize the end of my lease. They also told me they were unable to reach Brite on  the phone due to the same phone issues I had already faced. 

On XX/XX/XXXX, XXXX XXXX ( the credit union I am using to purchase the vehicle ) e-mailed me to advise they had received the title and payoff from Brite. 

On XX/XX/XXXX, I spoke to XXXX XXXX ( the credit union I am going through to purchase the vehicle ) on the phone, and they said Brite quoted them a payoff of {$4800.00}, not the {$4100.00} I had been quoted by Brite on the XXXX. I e-mailed Brite that day ( XX/XX/XXXX ) asking them why they had added {$720.00} to the payoff they had quoted me on the XXXX. Brite responded to me that day advising that if XXXX will be the new lien holder, the payoff amount will be {$4800.00} minus the {$1000.00} security deposit, i.e. {$3800.00}. 

On XX/XX/XXXX, XXXX called Brite to try to confirm the actual payoff amount and the representative e-mailed me to tell me she was disconnected after waiting on hold for 10 minutes and was unable to confirm the amount. I called Brite around XXXX XXXX that day and left a message requesting they call me back as soon as possible. I then sent them an e-mail requesting the actual payoff amount, as I had been quoted several contradictory figures for the payoff by Brite.

I should note that I have been trying to resolve this issue and finalize the loan for two weeks and in that time the Brite customer service phone system has been out of service. I have only been able to correspond via e-mail with a specific representative and she has consistently failed to respond in a timely fashion. Additionally, representatives from Brite have called me to tell me the end of the lease needs to be addressed as soon as possible. The payoff quote sent to me by Brite on XX/XX/XXXX ( with a payoff date of XX/XX/XXXX ) does not reflect the {$1000.00} security deposit the representative at Brite said would be subtracted from the payoff. The quote also included language suggesting late fees may be assessed for failure to complete the payoff by or on XX/XX/XXXX. Despite my timely and diligent efforts to clarify this issue, I am being threatened with late fees and Brite is  refusing to resolve the issue in accordance with their own payoff deadline.
Consumer complaint received 2023-03-18
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: CNG HOLDINGS INC (NJ)

Every couple of years this company will appear and then disappear off my credit report. Its fraud. I spoke to them on the phone and they said I have a debt with furniture which I never bought and in a state that Ive never been too. Someone has all my information from many years ago from a security breach which has been reported. This has been going on for many years and it just appeared again. Im contacting every government agency about the fraud, identity theft scam taking place here.
Consumer complaint received 2022-03-09
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. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
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. (TX)

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.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

On XX/XX/18 at XXXX XXXX, I called One Main Financial. I believe I spoke with Someone named XXXX. I told her I no longer authorized Aut draft payments from my checking account. We had to go over this several times. I told her I had some medical issues, and had missed some work and I needed to change to manual payments. She talked to her manager, then came back and told me they would remove my Aut draft from my checking account, but my payment was still due by theXX/XX/XXXX Today I checked my bank account, and they still auto drafted my account. This has caused even more financial hardship ... and I want this stopped. Being that I called on XX/XX/18, One Main Financial had more than enough time to cancel the auto draft on my account.
Consumer complaint received 2018-08-14
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: Convergent Resources, Inc. (MD)

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$240.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or it's alledged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company sent me a letter dated for XX/XX/2018, this document was the same identical documentation they sent on XXXX and furthermore they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Consumer complaint received 2022-03-09
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. (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

Got a loan on a boat inXX/XX/XXXXpaid the loan off in full XX/XX/XXXX. Tried to find out why I couldnt receive the title and got a run around and never could receive it. Fast forward to XX/XX/XXXX I called again to find out how to get the title because nc wildlife stated there is a lien from Wells Fargo bank still on the title so I called the bank and I was told they will send a notarized lien release and I would receive it in 7 days I waited 3 weeks then I called back they told me it was not approved and they where going to send one out again this happened 3 times now. I also was told by numerous supervisors they would reach out to me about the issue and they never have. Its now XX/XX/XXXX and I still can not get answers about receiving a notarized lien release no one is reaching out as they said they would after I sent documentation showing that they indeed have a lien still on the title. I need the title and Wells Fargo has just been giving the run around and every time I call to get an update I have to explain the entire story over and over and start from step one again due to speaking to someone different every time because they can not give me a direct line so I can talk to the same supervisors or other employees that I talked to before about the issue and that know whats all going on and the issues Ive been having.
Consumer complaint received 2022-03-09
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. (PA)

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-07-08
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: AMERICAN EXPRESS COMPANY (CA)

As of XX/XX/XXXX I have 5 new hard inquiries on my credit an each one is fraudulent, all applying for credit cards. I believe I comprised my personal information while applying for the XXXX XXXX  card on the XXXX XXXX  browser on my phone on public Wi-Fi. The 5 inquiries were for the following- XXXX XXXX XXXX XXXX XXXX bank XXXX twice it seems XXXXXXXX XXXX American Express  XXXX XXXX All of this inquiries are fraud, an possible XXXX XXXX Compliance I would like an need each one of this inquiries removed. They brought my score down XXXX points an this is unacceptable. 

I also see theres is 5 loan inquiries from XX/XX/XXXX, I only applied with XXXX XXXX that day. I only discussed that 1 company I only applied an was approved for that 1 company. The other 5 loan inquiries are Fraudulent an with out my knowledge an I would like them removed. They are the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so then twice, XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were fraud an with out my knowledge I noticed while looking at these recent credit card inquiries I need these removed to apply for XXXX trucks an housing this year.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.

I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.

I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate. 

At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (GA)

I contacted Equifax about inquires I did not authorize and I also made them aware of my information being compromised on the dark web therefore I needed my report locked and the inquires removed I was ask to file a report which Im doing by following up with you guys
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

At this time the above finds himself living and doing Business at XXXX XXXX XXXX, XXXX, Florida. Which is in the middle of a Coronavirus hot zone pandemic for the state of Florida during this time I hereby inform my credit card issuers that during the Coronavirus pandemic the above will not be making any Payments until this Coronavirus pandemic is over also please be aware that the above apply for federal government disaster relief and you can refer to case number enclose, your credit card balance with the above has been highlighted as A debt that qualifies for disaster relief within three months credit issuer '' s will receive full payment of the balance, notification of this action become affective immediately as of this time stamp date XXXX SBA Application No. XXXX - Status Update 1 message XXXX XXXX XXXX Fri, XX/XX/2020 at XXXX XXXX To : XXXX XXXX XXXX Dear Applicant, Please see the attached letter for information regarding the status of your application for an Economic Injury Disaster Loan. The SBA understands that this is a challenging time for your business and the nation. We appreciate your patience and understanding as our agency works through the surge of loan application volume during these unprecedented times. Questions? We're here to help. Call us at XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-30
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: FIFTH THIRD FINANCIAL CORPORATION (KY)

I was XXXX for almost 10 years. I was released XX/XX/XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, Fifth Third Bank, XXXX XXXX   and a bad check to XXXX.
Consumer complaint received 2018-08-14
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: CREDIT ACCEPTANCE CORPORATION (AR)

This was is not my account, yet it keeps showing up on my credit as as delinquent account. Now it show as a charge off. Below are the dates and amounts from : Credit Acceptance XX/XX/XXXX {$2600.00} XXXX charge off XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$540.00}
Consumer complaint received 2023-03-17
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. (FL)

I am interested in processing disputes for all inaccurate information on my credit report with transunion that is hindering my credit profile that is not 100 % accurate. please remove all invalid data listed in the files submitted asap.