davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a lat for any purpose.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Kikoff Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account with {$500.00} limit and a {$10.00} charge with this company was alerted to me via my credit reporting apps on XX/XX/2021 in my name. The phone number does not work so I had to send a letter through identitytheft.gov Just waiting on a response.
Consumer complaint received 2021-01-27
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. (FL)

I have a corporate small business XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a mom and pop travel agency with 98 reduction in sales since XX/XX/2020. The business card is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of leisure travel and suspension of all cruises and tours. They should not be reporting this business account to my personal account and it should be removed.
Consumer complaint received 2021-01-27
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-27
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. (IL)

There are 7 unauthorized and unverified inquiries that were posted to my Transunion credit report on XX/XX/2020. I find these particular inquiries to be especially heinous, given that I was not present, nor had any knowledge of this act occurring. These fraudulent inquiries are damaging my creditworthiness in the eyes of lenders. Transunion has yet to provide proof of verification for these inquiries. I have made constant attempts to rectify the situation with the original creditors and Transunion to no avail.
Consumer complaint received 2022-09-27
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on Experian from XXXX and XXXX, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section XXXX : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX
Consumer complaint received 2023-05-17
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. (CT)

I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a EQUIFAX DATA BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXXXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU, XXXX XXXX XXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I received a notice that my payment would increase substantially due to an escrow shortage. After a lot of research I found a payment made from escrow for insurance in XX/XX/2020. The amount was more than double what my insurance premium is, and my premium was also paid. After hours on the phone with BB & T they found that they had paid a policy for the previous owners with XXXX. After contacting XXXX, BB & T told me they'd received a bill from them in the previous owners name and it was paid when it should not have been. XXXX had refunded that amount to the previous owners, who then cashed the check. They said they would look in to it, try to obtain reimbursement from XXXX and I should be refunded at an unknown time, at which I could request re-evaluation of my escrow account to lower my monthly payment to normal amount again. I let them know this is not acceptable. This was not my mistake and had nothing to do with me, that they paid someone else with my account and that I expected an immediate refund. They said they would have management call me in 24 hours. I waited 72 and received no call. I called back then, once again stating that I expected an immediate refund. BB & T once again informed me there's nothing they can do and I will just have to wait as long as it takes. I requested to be transferred to someone in management, at which point the line was disconnected.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION ()

In XX/XX/2020 Suntrust closed my account. On calling them, they admitted that they had closed the account by mistake, and promptly reopened the account, and established the same balance. 

However, online banking was not re-established. I have tried countless times on the call center to have online access re-established, the last time today, speaking to a Ms XXXX. She, and all previous agents, claim that they have insufficient information to be able to create online access. 

I appreciate that the bank must establish my identity when calling, and I am prepared to assist with this process, whatever means necessary. However due to COVID travel restrictions, I am unable to travel to a Suntrust branch. I reside in XXXX XXXX, at the address which the bank has on record. 

All communication regarding this matter was on the telephone, Suntrust does not offer an email helpline. Therefore, I have no supporting documentation to attach.
Consumer complaint received 2021-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (MI)

XX/XX/2018 I XXXX XXXX entered into a consumer credit Transaction with GM FINANCIAL. Money was taken from me as a down payment in a consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605 The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. GM FINANCIAL also didnt include my insurance in the finance charge which is supposed to be included. These are all violations of my federally protected consumers rights. Pursuant to 15 USC 1635 GM FINANCIAL did not include my right to rescission which theyre obligated to do since a security interest was given by me, nor did they inform me that I had 30 days to dispute the validity of the alleged debt pursuant to 15 USC 1692g ( 3 ). More violations of my federally protected consumer rights.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX XXXX XXXX XXXX without a personal guarantee. Due to covid-19, I have been unable to pay the bill. We are a XXXX XXXX XXXX XXXX XXXX with 98 reduction in sales since XX/XX/2020. The XXXX XXXX is reporting late to my personal credit report, resulting in my credit report dropping 80 points. My card has never been late prior and the fact that i can not pay is not my fault. It is completely due to the cessation of XXXX XXXX and suspension of all XXXX XXXX XXXX. They should not be reporting this XXXX  account to my personal account and it should be removed.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

I pay my mortgage on or about the 1st of every month via my bank 's online bill payment portal. On XX/XX/XXXX, my account was debited by Atlantic Bay for the full amount of my mortgage payment, but Atlantic Bay did not post the payment until XX/XX/XXXX, a full 20 days later. 

This had at least two negative effects on me : ( i ) Atlantic Bay assessed me with a {$100.00} late fee ; and ( ii ) posting my payment late affects my interest calculation and increases my finance charge. 

Further, Atlantic Bay either benefits from the float of debiting my payment 20 days before posting it against my mortgage, or has inadequate controls around its payment processing operations. 

I reported this to Atlantic Bay, and specifically addressed my complaint to its Chief Risk & Compliance Officer, XXXX XXXX. Atlantic Bay removed my late charge, but it did not change the date my payment was applied. I have not heard back from Ms. XXXX or Atlantic Bay about why my payment posted 20 after being debited. 

Upon further research, this appears to be a systemic issue for Atlantic Bay. In addition to posting my XXXX payment 20 days late, Atlantic Bay : ( i ) debited my XX/XX/XXXX payment on XXXX but posted that payment on XXXX - 8 days later ; ( ii ) debited and posted my XX/XX/XXXX payment on XXXX - not posted late ( however, Atlantic Bay 's ability to debit and post my payment on the same day makes its practice of posting payments late seem either intentional or that Atlantic Bay does not have sufficient compliance functions or controls ) ; ( iii ) debited my XX/XX/XXXX payment on XXXX but posted on XXXX - 3 days later ; ( iv ) debited my XX/XX/XXXX payment debited XXXX but posted on XXXX - 2 days later, ( v ) debited my XX/XX/XXXX payment debit XXXX but posted on XXXX - 8 days later, ( vi ) XX/XX/XXXX payment debited on XXXX but posted on XXXX - 3 days later ; and ( vii ) debited my XX/XX/XXXX payment on XXXX but posted it on XXXX - 4 days later. Had Atlantic Bay posted this payment when debited ( XXXX ), I would have been able to deduct the amount of interest from my XXXX federal income taxes.
Consumer complaint received 2021-01-27
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. (VT)

Lost job XX/XX/XXXX, behind on mortgage, mortgage refused to work it out. Hired lawyer, he worked with bank lawyer. XX/XX/XXXX I signed the property back to the bank. XX/XX/XXXX judge signed off on it. Told I owed Nothing per the agreement. To date mortgage company reporting to credit bureaus. Credit further damaged from inaccurate reporting. I no longer own the property. Now the town is trying to collect monies the mortgage company failed to pay. They also failed to change the land records.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed incorrectly. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr cooper mortage company send 3 separate payments to two homeowners insurance companies, totalling close to $ XXXX.my home owners insurance annual rate is XXXX i called mr cooper weekly requesting don't send any payments out, I paid XX/XX/XXXX to fl family insurance my request was ignored, this increased my escrow payments, making my mortage XXXX more monthly, i feel it was intentional. they continue to bombard me about refinancing my loan, i pay my mortgage via the automated telephone # I'm still charged XXXX monthly fee.this fee was paid for ther past two years.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc. (FL)

Monday XX/XX/2022 I call into Wisely to dispute over 40 XXXX unauthorized charges. Per usual I get the worse customer service experience ever. After filing the dispute my card was closed and I as issued a new card, which I had to pay to have expedited to me. I had to call in everyday for a tracking number for my card which I never got. They will promise to call back and/or email and lie! All their calls are recorded they can check for themselves. These people will not protect your money. This is my 2nd dispute in about 3-4 months. They are not on their customers side and do not serve your best interest. Today XX/XX/2022 I receive an email stating " This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. '' The kicker is this is coincidently maybe about 1 days before Regulation E timeline expire for my provisional credit my claim gets denied and Wisely did nothing to protect me as a customer. Without any written explanation of their false findings. I reported the unauthorized charges as necessary. Mailed back The Statement Of Fraud XXXX Priority Mail with a Tracking number. They will take advantage of their customers hoping they don't know any consumer laws. They will not reopen the investigation and I'm out near $ XXXX in fraudulent charges. I need the documents the bank relied on to make its decision as that is my consumer right. I will be looking into a Consumer Protection Attorney. I will also be closing this account with this janky bank expeditiously. People please if you want a secure account with a banking institution that cares for its customers go elsewhere, you've be warned. Over $ XXXX deposited at this bank yearly and they could careless about unauthorized charges on my account. Save yourself the time, headache, and resources and go to a Real Bank.
Consumer complaint received 2024-09-09
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I am contacting yall because about a month ago I lost my card and I was a victim of fraud. 
I reported my card stolen and those transactions fraudulent. I got a statement saying my case was resolved and I would not be liable for any unauthorized transactions. They only refunded me about XXXX transactions and left the others. Which I don't understand because they were all made at about the same time. I'm just worried about my statement balence because they said that the others were authorized and I am liable for those I really can't afford that, I was wondering if yall could reinvestigate PLEASE, thank you
Consumer complaint received 2021-07-30
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. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed was delivered on XX/XX/XXXX, requesting the fraud accounts be investigated and removed if found to be fraud. I received no response so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyers are getting antsy to get this case. This is my last option for the bureaus to remove the false accounts before I take up my lawyers option and sue.