davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a formal complaint against TransUnion Consumer Solutions located in XXXXXXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, TransUnion Consumer Solutions has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-10-27
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. (GA)

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Transunion. 

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15. 

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached
Consumer complaint received 2018-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (GA)

I writing this email as a written notice of the formal complaint I will be making to each one of the government agencies that I was told govern this process. This complaint is due to the lack of professionalism, sense of urgency and overall unexplained complications of this process. I mailed a check for the amount of XXXX dollars to the XXXX XXXX department on XX/XX/2018 and it was received XX/XX/2018. I was informed that the process of issuing the third of the draft should take 24 hrs processing once the check is received and 2-3 business days to be mailed to me. As of today it is XX/XX/2018 and not only have I not received the monies but when I called today to request the tracking number for the check that I was told by one the customer service reps, would be mailed over night because of my inconvenience, I was then informed that the check is not being mailed today but is cut in texas and will be mailed to new york and then mailed to myself ( in georgia ) which could also take 2 to 3 business days. So I would like to know who is to be held responsible for the extended time that me and my family are out of our home as well as the out of pocket expenses I'm incurring because I was told to start the process of repairs because I would receive the check in a timely manner.
Consumer complaint received 2022-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Our company reported a number of fraud charges that had been made to our business card account with Bank of America. The charges were from XXXX through XXXX. The total amount that was determined to be fraud charges amounted to {$12000.00}. Our company has this XXXX card account on automatic bankdraft and it was only until a notice of Bank of America, that a detailed review of the activity showed that all these charges were indeed fraud. Bank of America never flagged any of these charges as suspicious and when reported, they did realize that these charges were unauthorized and provided a temporary credit. Subsequently, Bank of America advised our company that they had reversed their decision ( as they claim our office never disputed any of the charges ) and placed the entire amount back as owed on the credit card account. Our company maintains that under federal and state laws, a credit card accountholder is not liable for fraud committed on said account, either with or without, the knowledge of the cardholder. In this case, our company was completely unaware a fraud was being committed. If not, every effort would have been made to stop these fraudulent charges immediately. We are asking that your office assist us in having Bank of America again review these fraudulent charges and credit our account accordingly.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, 2020 XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2021-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as past due balance. i do not know this company. I have never done any business with this company. this company does not have a contract with my signature.
Consumer complaint received 2022-04-11
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: CCS Financial Services, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-10-20
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. (MD)

I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies 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. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE LOOKED OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME SO THEREFORE I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE ON THE ACCOUNT AND INQUIRIES SO THAT THEY CAN BE REMOVED FROM MY CREDIT FILE IN A TIMELY MANNER.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (FL)

This complaint is for loans under my business provided in the attached letter. The company and I were in communication during covid-19. My business operates in the restaurant industry and we were completely shut down for several months in XXXX. I communicated with Mercedes Benz Financial Services ( XXXX ) on the monthly basis to determine my ability to pay. They said I was protected by th e covid-19 guidance and I could skip up to 3 payments. Every time said I was within the covid-19 guidance and this would not negatively impact my credit. When I applied to a loan with XXXX XXXX on XX/XX/XXXX, I sa w that they had reported me late for the three payments they arranged. I followed their company dispute process and received a letter I was denied. I have never been able to talk to a person or be told why. I have tried contacting them by phone and their message portal on their website. I have never been responded to further.
My dispute letter to Mercedes was prepared on XX/XX/XXXX. It included the two loans I have with them, they refer to them as contract numbers. The first loan is showing late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The second loan showing late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Also it shows a past due amount of {$950.00}. I did speak to a customer service rep and they said they could not see where I am past due any where.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Consumer complaint received 2022-04-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

When I closed the reverse mortgage loan I was told I needed to have several things fixed on my house. I had those repairs done in XX/XX/2022. I started calling the mortgage company. I have been cut off, hung up on, given incorrect information and transferred to the wrong number several times. Every time I call its a very long hold time. I finally found out I have to submit invoices. I did that on Tuesday XXXX at noon to their repairs department to the email I was given. Of course, I never heard back from them. I called Thursday XXXX and was told there were no notes on my account, but I should hear something Friday or Monday. Nothing, so I called Monday. After being on hold, transferred to the wrong department, on hold again, I got a customer service person who put me on hold for a very long time. Then she said yes, they did get my email and I should be getting an email soon with a form I have to fill out. Obviously, they are stalling so they dont have to pay me the {$3300.00} they are holding until I get the repairs done. Meanwhile I had to spend my money. This is the worst company I have ever dealt with. The reviews on this company are XXXX XXXX  bad. The company is PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My Mother passed in XXXX and we are currently in forecloser at our property in XXXX XXXX XXXX and ( BANK of AMERICA ) sent someone to the house to winterize the property and they broke into the house without notification to ME the Executor of the property! My sister was still living there but was on vacation. These people went inside and went through my Mom 's jewelry box and they changed the locks so we couldn't get back in!! We are in Probate and are in the process of selling the property and they had no right to enter my house without notification!!!! 

Again Bank of America needs to contact ME before any other action is taken!!! 

Please help? .....
Consumer complaint received 2022-11-05
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)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} - XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

GM Financial Inc. 

Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease. 

Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number. 

When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.

What is happening with this type of non-communication.

The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment. 

This is predatory lending at it's definition. 

To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit. 

I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late. 

These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.
Consumer complaint received 2022-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had credit issued to this card from XXXX XXXX on XXXX for XXXX payment identifier XXXX ending XXXX Invoice # XXXX and on XXXX credit for order # XXXX {$64.00} + {$85.00} XXXX XXXX  # XXXX. My card ends in XXXX. Today is XXXX and the credits are still not showing up on my account. This has been 2 statements.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2018 I sent Experian certified mail to remove Dispute Comments on two ( 2 ) accounts. As of today the disputed comments are still showing on my Experian credit report. I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts listed below with immediate effect. The accounts are no longer in dispute. XXXX XXXX, account XXXX. XXXX and XXXX XXXX XXXX, account XXXX. XXXX.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX  talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.
Consumer complaint received 2022-04-11
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: Mountain Run Solutions, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.