davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Tranunion an allowing this company to ruin my credit report. I sent them receipts and everything that I paid this off and I have a XXXX balance they will not, and they will refuse to update my balance. XXXX refuses to update my balance delete this off of my credit report. If you can not do, so this company has closed down.
Consumer complaint received 2022-04-08
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. (NY)

In XX/XX/2021, I had started to the process of purchasing a new home down in Florida. I had provided the new home builder with a {$40000.00} deposit to break ground on our new place. At the time of purchase, there was an authorized user account listed ONLY on my Equifax credit report that was issued by XXXX. I had noticed this error previously and placed the account in dispute. I have no idea who the owner of this account is, and Ive been a XXXX customer for almost XXXX  years. Apparently, this was never removed, nor had I received any notification of completion of this debt. My home is near completed. I have my walk through scheduled next XXXX  XX/XX/XXXX and my closing is set for XXXX XX/XX/XXXX. In final preparations for closing, my loan officer needed a new credit report since the report from XXXX had expired. To my surprise, this account is currently XXXX days past due. Because of this issue, I have lost my approval on my mortgage unless I pay the account off in full. When I was informed of this issue, I had contacted Equifax to gather all information that I could regarding this account. I then contacted XXXX and spent hours on the phone with them trying to locate this account. This was unsuccessful. I then went into my local branch to see if they could help. They couldnt find anything. So now, an account that shouldve been removed last year is still reporting and I was never provided with any results from that dispute. This account is now XXXX days past due and unless I payoff a strangers debt that is over XXXX, I stand to lose my home as well as the XXXX that is on deposit since Ive passed my mortgage contingency date. Furthermore, Equifax doesn't even have the full XXXX digit account number.
Consumer complaint received 2022-01-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (OK)

Dear XXXX XXXXXXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and depression. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Consumer complaint received 2022-01-23
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: FIRST PORTFOLIO SERVICING INC (VA)

THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY XXXX  REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX
XXXX XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Personal Loan Companies
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXXXX/XX/XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX
All Banks - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX  Inquiry dateXX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  All Banks - non specific
Inquiry dateXX/XX/XXXXRemoval date: XX/XX/XXXX
Consumer complaint received 2022-01-23
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: OPORTUN FINANCIAL CORPORATION (VA)

THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX/OPORTUN
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXXXXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX
Consumer complaint received 2022-04-08
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: General Motors Financial Company, Inc. (FL)

This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.
Consumer complaint received 2022-01-23
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. (FL)

XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Ally Bank is charging me late fees for my auto loan when the new statement comes out around the XXXX of every month. The payment is due on the XXXX of the month, and they indicate when the new statement comes out on the XXXX for the following month that my payment is past due. This is incorrect and a way to confuse customers and overcharge them for late fees or charging them when they should not be charged at all. 

This method of billing is a way to scam customers. Payments are due on due date, not when the statement comes out.
Consumer complaint received 2022-01-23
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I received a credit card from Union Bank XXXX  years ago when I opened up a savings account with the bank. I have never used the card ; it has remained in my file cabinet since I originally received it. I have also never authorized anyone else to use this card or the credit card number. 

Right after the New Year, I received a letter from Union Bank, saying that I was in arrears on my account and that I owed {$3100.00} for charges and late fees incurred during the previous month. I immediately called Union Bank 's credit card division and was automatically put through to the collections department. When I asked what the charges were for, they explained to me that someone had used the card to make purchases in late XXXX and early XXXX at a clothing store based in XXXX. I do not know if the charges were made in person or online. I live in California and haven't traveled out of the state for the last XXXX years. 

Union Bank collections department did not appear interested in acknowledging there was fraud. It took me multiple attempts to reach the right person at Union Bank who could help me file a fraud complaint. Union Bank, from what I learned, has a third-party service provider that operates its fraud detection system. When I spoke to several people there I was told that did not even have access to my account information, since there are an independent outside service entity. 

Finally I called the next day ( XX/XX/2022 ) and spoke to XXXX in Customer Service, who agreed to send a fraud complaint to the appropriate department, promising me I would hear back within 30 days about the resolution of the complaint. She also told me that the records showed that the XXXX XXXX division had tried to contact me on on my mobile phone on XX/XX/XXXX and XX/XX/XXXX to alert me to a possible fraud. I never received such a call and no message was ever left there. Even though they never reached me, they went ahead and allowed the suspicious charges to be made to my account. 

I find this process to be highly inadequate and unfair to consumers and believe that Union Bank should change its system. Union Bank 's fraud detection operation places consumers at financial and security risk, and fails to follow more effective procedures I have experienced with XXXX XXXX  XXXX and XXXX XXXX, for example. 

I have not heard back yet from Union Bank about the status of my fraud complaint. However, I just received another letter from the bank, dated XX/XX/2022, demanding payment and warning me that " not making payments due may result in adverse reporting to credit reporting agencies. '' I ask that the Bureau launch an inquiry into Union Bank 's handling of this matter, as well as a more comprehensive investigation into how it implements its consumer fraud service.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX, I had a payment that was due to Capital One. I made the payment on the XXXX, prior to XXXX XXXXXXXX XXXX on that day. I received a confirmation email on XX/XX/XXXX saying that my payment was posted to my Capital One account. I then received an email on XX/XX/XXXX from Capital One, saying that my bank returned my payment. I check my bank account and it shows that the payment went through ; there were no pending balances at the time. I checked it today and it still shows that it has been paid ; nothing was returned in my bank account. I logged into the mobile app of Capital One yesterday to make another payment, as they said the previous was returned. I noticed that I was charged a late fee as a result of insufficient funds when I made the initial payment. The email that I received on the XXXX did not state that I was to be charged a late fee for this ; it said that the payment that I made was returned. I do not understand why I was charged a late fee when I made the payment on time, and the money was drafted out of my bank account. I called Capital One on the XXXX to explore what happened and remove the {$25.00} late fee. They said they could not remove the late fee because the payment was received after the due date, even though I paid it before the due date, and I received a notification that my payment was posted.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Cc : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Account Number ( s ) : XXXX CERTIFIED # ( XXXX XXXX XXXX XXXX XXXX ) Request for Admissions/Default for Non Response To Whom It May Concern XXXX XXXX XXXX XXXX I refer to the previous CONDITIONAL ACCEPTANCE package received on XXXX/XXXX/XXXX Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Your company did not answer my request " Point by Point '' as Required by Law.
Consumer complaint received 2022-01-23
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. (NJ)

I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello, On XX/XX/XXXX a auto deduct in the amount of XXXX was withdrawn from my XXXX checking account by citizens one auto loan. At the time i was in the process of moving and among all the hectic planning i forgot auto pay was set up and called on the XXXX of XXXX and submitted a debit payment to citizens one auto in the amount of XXXX. After realizing what i had done, in XXXX i called my bank XXXX key bank ) and they reversed the debit payment from XX/XX/XXXX and the funds went back into my account. XX/XX/XXXX the payment for XXXX was automatically deducted and i was all caught up. Or at least i thought. In XXXX i got a phone call saying that my account was a month behind. XX/XX/19 i faxed over 36 pages from XX/XX/19 to XX/XX/19 of ongoing bank transactions showing all my payments are up to date and they have yet to correct this error. I have called multiple times only to get their response that their " research team '' is still reviewing it. My main concern is the impact this will have on my credit score. I thought that the bank statements were pretty black and white but i guess not. I would greatly appreciate any help you can provide.
Consumer complaint received 2024-03-07
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Union Credit Corporation (GA)

on XX/XX/22 I summitted a hipaa violation to Union Credit for 4 previous accounts that were on my XXXX credit report. On XX/XX/22 I submitted a separate complaint in regard to another account that's reporting from this company. ( I received a message saying answered last week ) the attached document with this complaint is a new violation letter mention the desired account to be removed from my credit profile. I would like this account to be removed form my profile immediately. thanks for the cooperation.
Consumer complaint received 2022-01-23
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: CITIBANK, N.A. (IL)

I have a Citi card attached to my XXXX Membership and on the XXXX of XX/XX/2021 I Renewed my membership in store with my debit card. The Citi company auto charged me for my membership so I called and they removed the charge. A month later they again charged me for my membership without the direction of XXXX or myself so this was a fraudulent charge they made which I was unaware of until i started getting harassing text messaging and late fees. Since then I have called and been put on hold for hours hung up on told its in the process, told that they sent it over for fix, all in the process of getting more late fees and being told it takes a couple days to come off the account. It has not been resolved as of today XXXX and i just got off the phone with them again with the same answer that they have sent it to dispute for removal. The phone calls have been non stop harassment and embarrassment for me while I am at work and in my personal life.
Consumer complaint received 2023-01-13
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (MD)

I recently bought out my lease from Hyundai Motor Finance, but have not received my title despite having made the payment in full. 

According to Hyundai Motor Finance 's official letter, they have received my payment and marked my account as fully paid off on XX/XX/2022. According to their website, I am supposed to receive my title within 10 days. However, they have not processed my title release at all. I have talked to customer service a few times to no avail. Searching online, this is a common problem customers have with Hyundai Motor Finance.
Consumer complaint received 2022-01-23
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: Experian Information Solutions Inc. (VA)

THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT EXPERIAN REFUSES TO REMOVE THEM. EXPERIAN DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL EXPERIAN, THERE IS NO WAY TO GET THROUGH.

XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX
XXXX XXXX
Bank Credit Cards Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX  Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX  All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: SXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date: Jul 25, 2021
Removal date: XXXX XXXX XXXX
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX
Consumer complaint received 2022-04-08
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: EQUIFAX, INC. (FL)

This inquiries was obtained unauthorized and reported to the credit bureaus, and it gives me a negative impact on my credit report. Either this inquiries promised to be soft or hard pull still not authorize and have no agreement Whatsover.