davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.
Consumer complaint received 2022-09-12
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. (SC)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX  ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Consumer complaint received 2020-07-06
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)

accounts not known to me or FTC violations : XXXX   XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated onXX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 a account without my written instruction
Consumer complaint received 2020-12-04
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: HYUNDAI CAPITAL AMERICA (WA)

On XX/XX/2020 I used the " payoff your loan '' function when logged into my account with Kia Motor Finance to pay off my auto loan for a XXXX XXXX. The software said I needed to pay {$17000.00} to pay off my loan that day. 

I submitted payment for that amount. {$22.00} was applied to outstanding interest and {$17000.00} was applied to the remaining principal balance, leaving a difference of {$18.00} that I was overcharged. 

There is no email functionality or chat functionality on the website, only the customer service phone number. I called on XX/XX/XXXX explaining that I used the payoff your loan function, that it overcharged me, and how to get my refund. I was told a check would be cut in 30 days and then take 1-2 weeks to arrive via mail. 

It is 121 days later and I have made eight calls to the customer service number. I have been told multiple reasons as to why I still do not have the amount I was overcharged refunded, including that payment processing denied the refund because the account was already paid off. In multiple other instances the service requests are closed/denied with no explanations or agents were told they need to send various emails internally. All of those requests and emails are denied or ignored. I have reached the point where I have spoken to the third tier of customer support ( after being told I can't talk to anyone above the second level for weeks ) and am told the only thing they can do is to continue to send emails to payment processing. They can provide no estimate of when the refund will be processing, only that it should have gone out after 30 days. 

I believe that the payoff your loan function of the website is deliberately coded to overcharge customers and that the internal processes for getting your money returned are purposefully designed to fail and stretch out the time for the company to hold onto the funds.
Consumer complaint received 2020-08-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have contacted pennymac mortgage for over 3wks to receive a copy of my note.The note was not included in my final paperwork from last transaction. i finally realized after multiple attempts they had no intention of sending the note ; since they know i need to refinance. I have filed this complaint in hopes of obtaining the note with your help.
Consumer complaint received 2020-07-06
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. (TX)

accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Certified Solutions, Inc (NJ)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. This is a medical dispute to which they maybe in violation of HIPPA laws to which I do not see a signed HIPPA form. 

*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed HIPPA form
Consumer complaint received 2020-05-05
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: BSI Financial Holdings, Inc. (MD)

Original lender XXXX XXXX up until XX/XX/XXXX ... bsi is reporting on my credit report that I was 120 days past due In XXXX and XXXX of XXXX please remove any late payment from my credit report
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC (VT)

I shopped with XXXX one day and the salesperson asked me to apply for a credit card with them but I have never received a credit card from the company. I can't remember the date I shopped with XXXXXXXX XXXX and the stuff I shopped with is about {$20.00} the most. I did not receive any credit card billing statements and so I do not know how I suppose to pay the {$20.00} credit. 
I attached a copy of the letter that I received from Radius Global Solutions. The letter says the XXXX XXXX XXXX XXXX authorized Radius Global Solutions to collet this debt on their behalf.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take 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.S-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 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 I spent {$520.00} on auto insurance, and the transaction was posted to my bank account on XX/XX/2022 in which I canceled the auto insurance policy and I didnt utilize the auto insurance services, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for my claim. This transaction was a debit purchase with Bank of America and not a wire transfer to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claim on hold. Bank Of America is committing business malpractice and consumer fraud. The Bank is violating banking regulations such as banking regulation E by not providing my provisional credit and retaliating against me for complaining about them by closing my account without notice and closing it without issuing provisional credits, I spoke with a representative who denied to provide my provisional credit on XXXX, XXXX, XXXX  around XXXX. Bank of America stated its up to the auto insurance merchant if whether or not they want to give me my provisional credit or refund. Bank Of America is violating federal banking laws such as Regulation E. A dispute is a dispute and the merchant normally disputes it not grant it. If the insurance company is sending me online bills although I dont have insurance with them then they will not grant a dispute against them. Bank of America is not following banking procedures, they are negligent and unprofessional. Its now XXXX  days and Bank of America has not submitted my provisional credit. I had the auto policy for less than XXXX days and I canceled it in less than XXXX  days.
Consumer complaint received 2021-03-26
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: Experian Information Solutions Inc. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I was offered a trial plan for the months of XXXX XXXX and XXXX of 2020 and i called in XX/XX/XXXX to schedule my final gruel payment. I originally asked for an extra day to make the payment since my income reduced due to Covid 19 and the rep assured be that i could make my payment on XXXX she explained that technically i had 31 days to make the payment so i believed her and list dated the payment for XXXX and we ended the call. However once the call ended i wasnt too sure i believed her so i borrowed money from a relative and i called back the same fate and moved the payment to XXXX. I called a few times after to confirm my payment was set up and make sure my trial plan Doesnt break and was reassured by multiple reps that my payment processed and my plan was good. Now on today XXXX i see the funds still have not come out of my account so i call AmeriHome and a rep tells me that my payment was never changed from XX/XX/2020 after i called multiple times to confirm it was changed to XXXX and my plan is broken. I asked to speak to a manager multiple times and was told that 1 isnt available and Im trying to not lose my home
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I sent the credit bureaus letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) asking them to verify the debt on my reports. They have responded that the disputed accounts have been either updated or verified as correct. However, this is still incorrect, and inaccuracies remain on my report. 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 2020-05-05
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

I have an auto loan through Santander Consumer USA. I am currently financing a XXXX XXXX XXXX ( VIN :  XXXX ). My account number is XXXX. 
Last year, I was facing financial hardship. I called Santander in XX/XX/XXXX to inquire if I could have my car loan refinanced at a lower rate. I was told that Santander would not be able to grant this request. In XX/XX/XXXX I was three car payments behind and facing a repossession. On XX/XX/XXXX I made a payment for {$2000.00} to bring my account current. I have been making payments since XX/XX/XXXX. As of XX/XX/XXXX, Santander has my account listed as closed on my XXXX, XXXX, and XXXX credit reports. I called to request that this issue be resolved to reflect my current payments. To date, this action has not taken place. I am asking that my payments be updated from at least the last 90 days. 

Since XXXX, Santander currently has a class action lawsuit due to allegations that Santander issued unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. It is my belief that I am a victim of this unfair practice. In XXXX, I was discharged from bankruptcy and totaled my previous vehicle. I was in need of reliable transportation and I accepted the loan from Santander. I am a resident of Alabama. I inquired with my state 's attorney general office and I was later informed that Alabama is not a participating state in the class action lawsuit. 

I am lodging a complaint to have Santander update my payment history from at least the past 90 days.