davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I look over my credit report I saw all these inaccurate items that are not 100 % accurate as required by the federal law. Also, I have disputed them previously but they continue to report inaccurately.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I received a letter dated XX/XX/XXXX that stated I would be receiving a surplus check, a photocopy of said check was included in with the letter for the amount of {$1100.00}. The letter stated it would take a few weeks after receiving the letter to receive the check. I waited, but we never received said check. I called XX/XX/XXXX inquiring and was informed that they never sent the check and they don't know what happened, but they'll request to resend the check. I never received a check so I decided to call back, I called back and was informed that the request was cancelled and they don't know what happened to the funds. The request was then escalated to investigate where the funds are. I was told that it seems the funds moved around from a lot of different departments and they needed to pin point exactly where they were. I hadn't heard back so I called back again on on XX/XX/XXXX and was then again told they'd escalate the request and scheduled for me to receive a call back on XX/XX/XXXX, however I did not receive a call. I called again on XX/XX/XXXX and was informed that they were still tracking where the funds were located and that there was someone in specific looking into it, but that person could not talk to me and was unavailable, but they would escalate it to their supervisor, this time they said they didn't want to say they'd call me back because of the history of no one calling me back and that I should call back to follow up. I called back on XX/XX/XXXX and they still don't know where they funds are at and in speaking with the representative it seems as though she had to put in a whole new request to investigate the matter, but she escalated it to the supervisor. There is no reason it should take this long to find out where my money is being held if there is a designated escrow department who is suppose have account of all funds received. I am frustrated and disappointed in this company who seems to have no sense of urgency in the matter. Thus, through this entire time I've continually paid my mortgage on time, had I not paid my mortgage I'm sure I would have received dozens of calls regards such. I just want to know where my money is and why are my funds being mishandled.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (NY)

Someone order credit cards as well as got a car loan in as well got a whole bunch of hospital bills in my name they as put me on the check fraud list know its not lettin me open up a account I need this remove so I can start on the right path
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have a XXXX account that shows I had a missed payment. I did pay all months and have bank statements to show that I did pay. Its significantly affecting my score and Im in the process of trying to get a loan for a house thats in my family. I also show that I have a XXXX  XXXX collection account thats been double reported.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Fleet Financial, Inc. (CA)

Yesterday, XX/XX/XXXX I was called on to refinance an auto loan for my XXXX XXXX XXXX, I applied via lendingclub, and XXXX from " iLending Direct '', phone number XXXX reached out to me and told me I was approved and qualified for an auto loan refinance through their company as an intermediary for a loan from XXXX XXXX XXXX XXXX, we went over all the specifics and told me I was for sure approved for this refinance and was asking me to authorize a hard credit pull be done to complete the steps to refinance. I then sent him my license, auto registration, insurance docs, and odometer reading and VIN. This morning at XXXX PST he sends me " we got an approval back for you buddy '' I chat with him again and provided the 2 referral sources he asked for. By XXXX PST I received another call, regrettably denying me for this same loan I was previously coerced to do a hard pull for. He said, I'm sorry, I'm new here and I didn't know that California auto notes need to be made for at least {$10000.00} ( mine would have been for XXXX after a {$1600.00} deposit ), he says " I messed up, but hey, at least I learned something today. '' I feel like I was bait-and-switched and taken advantage of, now, my credit report has another hard inquiry because of the negligence of the company and the ignorance of XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting 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. (MD)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (CA)

This debt does not belong to me. The open date of this debt is XXXX XXXX XXXX  and I was born in XXXX. This debt was also removed from my XXXX credit report already so I need it removed from XXXX and XXXX as well! I have been a victim of identity theft and my information was used without my knowledge for monetary gain! 

NY STATE HIGHER EDUCATION Date opened : XX/XX/XXXX Amount : XXXX Reported to : XXXX and XXXX
Consumer complaint received 2024-02-23
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. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-04-26
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. (CA)

I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts
Consumer complaint received 2020-05-04
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Consumer complaint received 2017-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (AR)

Payoff was sent via XXXX XXXX and received by Chase Auto Finance on XX/XX/XXXX. This has been confirmed by XXXX XXXX and Chase has acknowledged that the address was the correct address. Before we sent the payoff we called Chase and they said if we included the Confirmation Number Chase provided with the payoff quote, it would be credited upon receipt. Today, my account still shows past due for the payment due XX/XX/XXXX. I called once again, after calling several other times, and sending several secure messages on Chase 's  site. Today, the Senior Customer Account Rep tells me the payoff was sent to a bank in Oklahoma because they could n't figure out what the check was for. Strangely, they could tell me the check was sent back by looking at my account, but they could not figure out how to credit the account. The check was issued from a bank in Arkansas. I have received several messages from Chase but none of them explained to me that the check had been sent to a bank in Oklahoma. I have talked with them several times in the last three weeks and until today no one told me they had sent the check back on XX/XX/XXXX. I do not want my credit ruined due their mistake. Additionally, we sold this vehicle to an individual who is unable to register the vehicle, because Chase has not credited the payoff and released the title. This is not the first time Chase has disappointed us. Someone needs to investigate them.
Consumer complaint received 2023-01-30
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: EQUIFAX, 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 : #, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OR)

XX/XX/XXXX : I received an email that I have a past due amount of {$27.00} on an Amazon.com Store Card issued by https : //amazon.syf.com/ I closed months ago. I logged into my official accounts for Amazon & Synchrony on their official websites, and both are confirmed closed. I spoke w/ representatives for each company and they confirmed I do not have a past due amount and all the accounts are closed. They informed me there have been similar fraudulent emails that customers are calling about. 
I've received multiple emails over the last few weeks claiming I owe a past due amount and now there is an attempt to collect a debt. When I go to my account from the emails it shows a completely different account that matches the card # for the closed Amazon.com Store Card. 
I tried chatting on this fake site, and closing the account on this site at this link : XXXX XXXX XXXX This does not work. The Chat Bot doesn't answer the question, no way to get to a live person when I call the ph number listed XXXX.When I click on " Close Account '' and fill out the form it won't accept when I submit. 
This has been going on for weeks and I want to make sure that I do not have a negative report on my credit for this fraudulent charge.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but Transunion is reporting this information. 
This is a violation of Metro2 regulations. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 
Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. 
There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 
If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-07-31
Product: Credit reporting 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. (NY)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton oXXXX XXXX XXXX XXXX XXXXd like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2006 Balance {$480000.00}
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (AL)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account had previously been deleted from my credit report because it was reporting in error. Moving forward to present day, apparently this account has since been re-aged and sold to ANOTHER collection agency. This is a violation of the Fair Credit Reporting Act. I have long since closed this account and during that period of time I made arrangements for the company to pick-up their equipment following the guidelines outlined by the company to return equipment. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, I opened an account with Citizens Bank with a promotional offer that stated that I would get a {$300.00} bonus deposit for having a single direct deposit of {$500.00} into the account within the first sixty days of account opening, along with up to {$100.00} extra bonus for up to XXXX debit card transactions done within the first sixty days ( {$2.00} per debit card transaction ). I completed the bonus offer requirements and waited the stated amount of time until I was to receive my bonus deposit into my account of {$400.00} total. The last week of XX/XX/XXXX I reached out to Citizens Bank via Text Chat on their website and inquired as to when exactly I would receive my bonus offer funds deposited into my account. I was told by a representative that I would receive the funds on XX/XX/XXXX due to the date I opened my account and the fact that I completed all requirements to receive the bonus offer funds. On XX/XX/XXXX I had not seen the funds deposited into my account so I once again reached out to Citizens Bank via Text Chat. I was told by a representative that I should have received the funds the previous night during overnight processing but had not done so, and that I should wait until Monday, XX/XX/XXXX to reach back out to Citizens if I had not received my funds by then. I decided to call Citizens on XX/XX/XXXX and was connected with a supervisor who provided me with a case number and stated that I would have a response by the marketing team within two business days detailing when I would receive my bonus offer funds into my account. No email has arrived as of this date. I then also reached out to Citizens via their XXXX account and after two calendar days finally received a response with a case number stating that my info was forwarded to the Chairman 's Office. To this date I have no bonus offer in my account.