davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I made a transaction with US Bank on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on US Bank 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. US Bank is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

I tried to send money to my brother at Western Union my I dont understand they just told me to refund was going to be sent to my mom. XX/XX/2018 {$200.00}. Company never helped me 800 number was rude and said I cant send money. Can U get treated fair. Me my brother and family.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TN)

I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my account.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed the late payments on this XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months.The credit bureaus did not reverse the late payments.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-03-12
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: Santander Consumer USA Holdings Inc. (FL)

XX/XX/2022 my loan paid in full with Santander. I called today about my Overage of the Payoff of {$750.00}. I was informed that it would be refunded on XX/XX/2022. That's over 30 days after the loan pays off before my refund is processed. I understand they have to make sure the funds are valid. However, the funds are wired funds and it's over 30 days from the Payoff. Santander are holding funds and earning interest on my account and thousands that pay off daily. I can understand 15 days or possibly 30 days. Over 30 days is simply fraudulent. Please investigate Santander 's practice of processing refunds after a loan pays off.
Consumer complaint received 2023-03-20
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-20
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-12
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: Santander Consumer USA Holdings Inc. (WV)

Santander XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by Santander. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

Santander is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (GA)

I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. Chase reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on Chase part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (CA)

In early  XXXX  of  2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late  XXXX     2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in  XXXX    XXXX    ) de spite having the most current dates tied to this address and a   XXXX    address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2017-06-23
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. (OR)

on X/X/17 or so I sent a XXXX request to Trans Union requesting to verify Bankruptcy and XXXX XXXX XXXX XXXX student loans required under Section 609 by certified mail. On or about X/X/17 I sent a XXXX request and no proof of these items belonging to me was sent. On or about XXXX XXXX Trans Union deleted the Student loans and then in XXXX XXXX put them back on my credit Report. On XXXX XXXX XXXX by certified mail I requested for Method of Verification for BK of 1. Name of the Court, 2. The person who verified 3. The Address 4. The Telephone number 5. The documentation used to verify the dispute. I have never received a consumer contract with my signature I only receive a credit report saying results verified as accurate from BK court house in XXXX Maryland. On XXXX XXXX XXXX I wrote the Maryland Federal Court in XXXX with a Affidavit of correction and ask for there process of such reporting and sent a return envelope. There responds was they do not report such information to Credit Reporting Agency. After that I sent a certified letter with a copy of the Court reply to Trans Union requesting them to delete the information! I have filed and sent a FTC Identity Theft report and along with a police report with all pages and they have ignore those documents. I have never filed Bankruptcy never apply for any kind of student loans.
Consumer complaint received 2017-06-23
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. (GA)

XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. Transunion has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
Consumer complaint received 2017-06-23
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: ACS Education Services (TX)

I contacted ACS to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that ACS got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. ACS should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2023-03-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} OXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion I demand the following account be removed from my credit file immediately per the FCRA 623 AND FDCPA 806B STATES THAT THE CREDITS MUST MUST ENTER A NOTICED OF DISPUTE IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT CAN NOT REPORT ON THE CREDIT FILE I WANT YOU TO ALSO SEND ME HOW MANY TIMES THE ACCOUNT WAS DISPUTED WITH YOUR COMPANY AND NOT A SINGLE ACCOUNT IS REPORTING THIS INFO I WANT THE ACCOUNTS DELETED ASAP XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX PLEASE ENCLOSE IN YOUR RESPONES HOW MANY TIME EACH HAVE THESE ACCOUNTS BEEN DISPUTED AND THE MESSAGE IS NOT REPORTING ON ANY OF THEM. DELETE ALL ACCOUNTS ASAP
Consumer complaint received 2018-10-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

XXXX XXXX XXXX  called about a debt for an apartment. We understood and asked to make payments. The representatives were rude and were not cooperative. They refused to help us and assumed that we should be able to pay the full amount. They also said that they would make sure this would stay on our record for 7-10 years as they are close with the Crediting Bureau. 

When were then continuously put on hold. When we tried calling back they were harassing and wanted to much personal information. They continued to be harsh and unwilling to work with us.
Consumer complaint received 2018-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

FRAUD VICTIM. My bank on XX/XX/XXXX ran a report for business reasons and right after that 14 hard hits appeared I contacted all hard hits. I contacted XXXX XXXX XXXX  Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and told them I di n't authorizes these I sent in the letters and contacted the companies as I could not answer some of the questions was told they could or would not investigate and referred me back to credit report companies. 
This is the information that was found who tried to use my ID From my FIC report RECORD CREATION DATE XX/XX/XXXX EMAIL ADDRESS XXXX USER PASSWORD XXXX ID XXXX UPDATE DATE XX/XX/XXXX XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate it list the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account
Consumer complaint received 2019-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDCOUNTRY FINANCIAL CORP (KY)

This loan was opened XX/XX/XXXX This account was included in a bankruptcy chapter XXXX filed XX/XX/XXXX case number XXXX This company Refuses to State and list on my credit report that it was is included in a bankruptcy It also Continues to list as a past due account till XX/XX/XXXX they also refuse to provide a date that this item will be removed from my credit report
Consumer complaint received 2018-10-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BRite Financial Services, Inc. (WI)

THIS IS A NEW COMPLAINT NOT A DUPLICATE Cure to default did not follow Wisconsin laws 15 days wasnt allowed No itemized statement included with cure to default statement. 

Called on XX/XX/XXXX to ask for more time threatened the vehicle can be retrieved now. 

Sent an email to Brite financial no response. 

I need more time to pay and I want to know details of balance. I made a payment XX/XX/XXXX I only had a balance of XXXX.
Consumer complaint received 2023-03-20
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. (NC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-12
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)

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (OK)

XXXX XXXX XXXX has fraudulently opened a collections account stating that me and my husband owe a debt to the company. I, XXXX XXXX XXXX and husband XXXX XXXX XXXX have never signed a contractual agreement with this company. This company is in violation of FCRA and FDCPA Guidelines.
Consumer complaint received 2018-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (GA)

XXXX XXXX XXXX is trying to state that I was over 90 days past due on my auto loan. That is not the case. They are reporting to the both XXXX and XXXX negative payment history. I would like this information removed.