davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX XXXX the primary cardholder XXXX XXXX add XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( Transunion, XXXX and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, as a result my FICO Score drop from XXXX to XXXX this is a pattern with XXXX XXXX XXXX XXXX on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact XXXX XXXX XXXX XXXX on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to 12 CFR 1026.12 Special credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Consumer complaint received 2024-02-14
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. (MS)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had made a payment from my bank ( bank of america ) through XXXX  to an individual for XXXX XXXX  inwhich the services was not rendered and was told to leave. This payment I made was sent to someone else and not the person I was in agreement with upon once I sent them the money through XXXX. I have contacted both the individuals through text and have not received a reimbursement or a reply back from. Also may a call to my bank and was told that there's nothing they can do. I have sent you a photo copy of the person2 I sent the payment to for the person1 I went to meet.
Consumer complaint received 2023-08-01
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. (IL)

I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2022-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My original complaint number is XXXX. 

I received an email from Bank of America on XX/XX/2022 XXXX XXXX XXXX to contact the agent at Bank of America by XX/XX/2022. I contacted XXXX. The phone number asks to enter XXXX digit extension. I received XXXX digit extension - ext XXXX. The email provided is not monitored. So, I am not sure how to contact the agent. 

See email message received below as well as attached. 

======================================================== XXXX XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday thru Friday, XXXX XXXX. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Operations ( RCO ) XXXX ext XXXX XXXX XXXX XXXX Bank of America logo Life 's better when we're connected
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Van Ru Credit Corporation (KY)

A man by the name of XXXX XXXX contacted me today ( XXXX ) with a phone number of XXXX. However the phone number that appears on my caller ID is XXXX with unavailable name. When they leave a message they state that they are attempting to collect a debt with XXXX as the company name. Today when the man called ( XXXX ) he was very rude and told me that he needed to speak to my husband XXXX immediately! I told him that he was at work! He wanted to know where he worked and I just told him in XXXX. I told him that I was his wife and asked if I could help him .... he said he needed XXXX 's social security number and I asked what the company name was and he would n't tell me so I told him that I would n't tell him the social security number. Then he asked for his date of birth ... again I told him I was NOT giving him any information unless he told me what company it was for. He said that he could n't give me any information until he knows if it 's the right person. I '' M NOT GIVING HIM ANY INFORMATION!!! I DO N'T KNOW THIS PERSON!!!
Consumer complaint received 2022-07-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.
Consumer complaint received 2024-02-14
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. (IL)

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see most of these inquiries are by some of the same companies multiple times in a short period.
Consumer complaint received 2024-02-14
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2023-08-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-02-14
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. (VA)

Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With XXXX  Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/2024.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: American Credit Acceptance, LLC (DC)

XXXX agreed to settle my loan for XXXX XXXX, they requested that I receive an appraisal to gauge the amount of what the vehicle is worth. I went to XXXX dealerships and received XXXX online appraisal offers, XXXX  additionally requested pictures of the interior and exterior of the vehicle. We agreed to settle account for XXXX, they sent me a settlement agreement which I signed and returned to them. I visit the dealership to sell the vehicle to satisfy the terms of the agreement and close the account, they report to the dealership that I owe XXXX. I called them, they only want me to sell the vehicle to a certain dealership which was not the agreement. The agreement is between me and them to satisfy the financial requirement to close the account, irrespective of if I sell the vehicle to a private buyer, a dealership or elect to keep the vehicle its my choice, theyve agreed to settle for the XXXX and they should honor this
Consumer complaint received 2020-07-09
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. (IL)

These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/2015 I mailed Experian a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Experian saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.
Consumer complaint received 2024-02-14
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)

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2021-06-22
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: Bread Financial Holdings, Inc. (PA)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

You are now in direct violation of the FCRA. It clearly states this in your response prior that it will take within 30 days which was XX/XX/XXXX. It is now XX/XX/XXXX and still no response. 
We respectfully request that the item in question be removed from my account ASAP.
Consumer complaint received 2024-02-14
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. (NC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Consumer complaint received 2021-11-04
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. (CA)

I inherited a vehicle when my fiance died in XX/XX/XXXX. The car loan had been paid completely off just a month prior to death. I attempted to obtain the vehicle title when it was never received after pay-off of loan. I called the servicer, Chrysler Capital, and spent approx an hour trying to navigate the automated system, was placed on hold, and my call was " dropped. '' This went on for 2-3 cycles. I decided to write to the address shown on the statement, also sending CA XXXX forms for the lien release, etc. I did that in XXXX or XX/XX/XXXX. I never received a response. Then the pandemic hit and I quit trying out of frustration. The calling/automated phone system at this company is nearly impossible ALL the times I have called, and the frustration level was off the chart. I gave up. Well, it is now 2.5 years later and I still have no title. I went to the XXXX office to see if I could get it there. They advised me that I had to get it through the Chrysler Capital title dept. 
On XX/XX/XXXX, I took this vehicle to XXXX to sell it. I need the money to cover my bills for the next few months since I have been off work due to a XXXX XXXX. 
Once again, the cycle of phone frustration in reaching someone at C.C. to request title began. 
The service assistant at the dealership and myself were tied up on the call for nearly an hour trying to pin them down on what was needed to get this done. I was asked to fax the death certificate, dmv forms, a copy of the Will/Revocable trust were submitted. 
I asked for an estimated time frame for which I might expect the lien release and the title to be mailed but was not given anything. They said I wasn't privy to that info until the documents were reviewed. ( The customer service girl at XXXX said it could be 30 days. ) I do not have 30 days! I have already been terribly inconvenienced waiting 2.5 years! 
I faxed a demand letter to Chrysler Capital on XXXX politely asking for them to expedite this review and process my request. I am out of time and that vehicle is indeed my property. There is no question or dispute regarding the pay-off of loan. 
This company is stalling the process since XX/XX/XXXX as far as I am concerned and I can not wait. 
The other thing I thought the loan company said was that I would need to go to a third-party website in order to order ( AND PAY ) for the title. I sure hope that doesn't apply here! 
WHY should I be forced to pay a fee for this title which should have been sent IMMEDIATELY upon their receipt of the pay-off final payment? 
I don't know the URL of the website so I did a general search and it appears that the fee is as much as {$150.00} to obtain the lien-free vehicle title! I will not pay that fee. I need help to get this whole problem resolved and that is how I came to you. PLEASE kindly help me!