davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Extr a 20 checking. EXTRA20 BILL PAY BONUS. EXTRA20  DIRECT DEPOSIT BONUS.       I was told by,  XXXX   XXXX ,  Santander Personal  Banking Representative this savings account was not a promotion and I would receive {$20.00} forever as long as I had the account. The  Santander fl yer also states the same.  XXXX / XXXX / XXXX  was the last {$20.00} that was made. When I called  Santander C ustomer Service at  XXXX  and spoke with  XXXX   XXXX  ; he informed me the promotion was over. I told him I had not received any information fro m Santander regar ding this and th e Extra   XXXX  checking was not a promotion.   On  XXXX / XXXX / XXXX  I spoke with local branch employee,  XXXX   XXXX , and he agreed it should be honored and many customer 's are upset they discontinued it without any notification to their customers.          XXXX   XXXX   XXXX  ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  Personal Banking Representative NMLS ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX
Consumer complaint received 2024-02-19
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 XXXX  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 2024-02-19
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-11
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: Experian Information Solutions Inc. (MO)

On XX/XX/2019 I received notification that a hard credit inquiry had occurred on XX/XX/2019. 

This inquiry was almost certainly related to a company credit card issued to me through my employer and, therefore, does not appear to be fraudulent. Despite this, a credit card company may not pull credit for persons who are only an authorized user, and not an obligor, on that account. 

A hard credit check was NOT authorized by me. I have verified this by looking at all paperwork, both signed and otherwise, related to this credit inquiry. Due to this fact, I attempted to dispute the above credit inquiry. 

The credit reporting agency ( Experian ) refused to recognize the inquiry as not warranted or authorized.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX and XXXX XXXX XXXX XXXX all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX  XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to my credit report.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (IA)

EQ is reporting an alleged account from XXXX. I have disputed alleged accounts from XXXX prior and XXXX has been unable to provide any proof of an agreement between myself and XXXX, therefore if XXXX believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with XXXX. XXXX has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine.
Consumer complaint received 2020-10-06
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. (NV)

On XX/XX/XXXX I sent a certified letter to The three ( 3 ) major credit bureaus and XXXX XXXX account number # XXXX, to validate this account, and received no responses. 
On XX/XX/XXXX, I sent another certified letter to the three bureaus and XXXX XXXX, account number # XXXX, once again to validate this account and once again they failed to validate this account within the thirty days allowed according to the " Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) '' And they are now in violation of XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX. XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX )
Consumer complaint received 2022-01-06
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. (MA)

I demand that the following account be verified or removed immediately : The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report I respectfully request to be provided proof of these alleged items.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

Ocwen  Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then.   
I understand the CFPB is already pursuing Ocwen on man  y levels, I just want to join the cause!
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered and I wasnt able to use them. I tried to fix the problem with XXXX but they insisted that I destroyed the decals and I refused. I asked to have the decals redone. It was difficult to contact XXXX by phone and they used a call center. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. Capital asked me to upload proof of the problem. I uploaded the emails from XXXX XXXXXXXX. They refuse to credit my card back the {$210.00}. Now I have to pay for what I dont have.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied International Credit Corp., (US) (CO)

I received a notification in the mail from one Allied International Credit Corp. saying I owed a debt of {$1800.00} to XXXX. I contacted XXXX and they do not have any record of any purchase on my account. This is a false document. XXXX also stated they do not deal with any one company to collect debts and they had no idea who this company was.
Consumer complaint received 2022-08-10
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. (TX)

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please
Consumer complaint received 2022-01-06
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: Experian Information Solutions Inc. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXK ) XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX CO ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXXXXXXK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC. (AZ)

Tidewater Motor Credit provided different loan pay off amounts on   XXXX   and  X/XX/17   , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than  XXXX  hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT  ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Consumer complaint received 2018-02-01
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. (CT)

Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

On my account through XXXX XXXX XXXX there is record of payments being made from XX/XX/XXXX on time every month through XX/XX/XXXX. On my credit report it continues to state that I have not made a payment. I have asked them to fix this and they are saying its past due which is not the case per the record of payments posted on my account summary on their website.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/XXXX I purchased an XXXX XXXX   with XXXX XXXX via XXXX for store pickup using my Apple Card issued by Goldman Sachs. I realized immediately upon receiving confirmation email that I ordered the wrong model. I cancelled the transaction and placed a subsequent order for the right model. I then proceeded to pick up correct model but noticed that my transaction for the first order was never reversed from my card. The total amount was {$190.00}. I disputed the transaction on XX/XX/XXXX ( XXXX ) when I thought was a reasonable time for the refund to occur. You can reference the XXXX with the order details and my email and see that they state the order was cancelled. Apple representatives said it was not an issue on their side but revert back to Apple Card Support. I received word on XX/XX/XXXX that the transaction was not resolved in my favor. I again attempted to resolve through several calls both with Apple directly as well as with Apple Card Support aka Goldman Sachs. The dispute was reopened on the XXXX of XXXX ( XXXX ). I followed up several times via chat and phone again only to be notified on XX/XX/XXXX that the transaction was not resolved in my favor despite providing all the documentation with screen shots of the website proving I never received the order. I again, reopened a dispute ( XXXX ) and talked for hours to their customer support. They confirmed it all sounded logical and assured me that it would be taken care of this time. On XX/XX/XXXX I received word of a split decision and they found I somehow still owed {$120.00} due to the fact they had credited me for the XXXX XXXX for {$31.00}. I again opened a dispute ( XXXX ) but had already cancelled the card ( which I was worried would impact my credit rating ). Regardless, I decided this was not representative of the brand promise of Apple nor a company I would like to work with. I wish the story ended her but again after providing again the documentation of screen shots ( all via email ), on XX/XX/XXXX I received a notice from Apple Card Support that they reached a split decision and they claimed I already received credit from the merchant for the amount of {$31.00}. At the end of the day, I did not have to pay for the full amount of the order but I was out of pocket for some of it despite never receiving the item and only through my persistence. In addition, I was out a lot of pain and suffering due to the number of calls and aggravation. It was one of the worst customer experiences I have ever had and it was a clear cut case. I cant even imagine what it would be like in a real fraudulent case and would fear for any consumer who has to work with them. Therefore, I share my experience in hopes it can help others.