davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
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. (NM)

The account XXXX XXXX - XXXX - is reporting inaccurately on my credit report with XXXX  & Transunion. This account is showing as a profit/loss Charge off  and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UHG, LLC (TX)

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what UNITED HOLDING XXXX is doing by demanding I owe an alleged debt.
Consumer complaint received 2020-11-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello, I am in the process of trying to refinance my Mortgage. I was informed by the new lender on Friday, XX/XX/2020 that Specialized Loan Servicing was reporting me in Forbearance. 
I have never been in Forbearance / deferment. In XX/XX/2020 I did inquire about deferring payments but was told that the deferred payments would not be added to the end of the loan and I would have to requalify if I could not pay the payments that were deferred plus current payment. If I didn't qualify at that time I could sell my home. I did let SLS know at that time that selling my home was not an option therefore I continued to make my mortgage payments on time. I called XXXX on Mon, XX/XX/2020 asking why they were reporting me as forbearance I was told that my zip code is flagged as being affect by the wildfires. I explain I'm no where near the wildfires. I asked how can I be in forbearance if I have made all my payments on time and haven't signed forbearance docs? I asked them to send me a letter via email stating that they have reported me incorrectly and I have never been in forbearance. I finally received the email after several calls stating that I have asked to be taken off of forbearance. The letter did not state that they reported incorrectly. The new lender will not approve my loan because the letter is stating I was in forbearance at one time. I called back and was told that someone will call me back and that a letter saying they made a mistake cant be sent via email. I called back today and when I put my info in the recording says they are close. Its like my number has been blocked. I will attached my Payment History and the Letter/Email I received from them. I explained that I needed the revised letter emailed to me ASAP so I want miss a financial opportunity. Please let me know if you need a more info. I was also told that an other client had asked for a letter via email stating they were reported in Forbearance in error. I asked how many people credit was affect with their erroneous reporting? 
Thanks in advance.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due.

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ...,
This is a notice of default and an opportunity to cure for XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I accidentally entered a duplicate credit card payment. Therefore I had XXXX scheduled credit card payments. I did not want XXXX of the payments to go through. I reached out to the merchant and the merchant said because the payments were already processed that I could not stop them. The merchant informed me that the payment will likely be returned if there is not enough money in the account to cover the payment. I knew my checking account did not have the funds to cover both credit card payments. 

I was shocked when I discovered that my account had been overdrawn close to XXXX to cover the payment. I immediately transferred funds from my savings account to cover the overdrawn balance. I called Bank of America and the best solution that offered was to stop payment on one of the transactions and I would be charged a {$30.00} fee for the stop payment Bank of America could not guarantee a stop payment. Because I deposited money into my account, correcting the overdraft, the payment could not be rejected.
Consumer complaint received 2021-04-27
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 (DC)

I have contacted Kia motor finance three times about getting the title for my XXXX Kia XXXX that I paid off in XX/XX/XXXX. Kia initially attempted to mail it to the XXXX DMV but it was returned to Kia by XXXX  due to an incorrect address. KIA has been in possession of my title since it was returned to them by XXXX  on XXXX XX/XX/XXXX. Each time I call to request it to be resent directly to me I am told they will submit the request to their title department and to call back in 5 business days. I have spoken to two supervisors and they also say that is all I can do. No one in their customer service department will assist further or connect me with someone who can help. I am at a loss as to what to do next. I need the title to be able to register my car in XXXX This is preventing me from being able to earn an income.
Consumer complaint received 2021-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I've attempted to send a dispute letter to the company with the address shown on my credit report. Letter was sent XXXX XXXX by certified mail and sent back with a " return to sender insufficient address unable to forward '' stamp. The amount is for {$59.00} with date assigned of XXXX XXXX.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (NJ)

I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These 7 accounts and 3 inquiries were added without my knowledge or consent. 

ACCOUNTS XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX 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 XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Consumer complaint received 2020-10-05
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. (WA)

I settled this account and the company I settled it through said they would allow me to dispute it off of my report after settling, but when I tried to dispuyebit experience instantly responded amd said the investigation was complete and I am seeing no updates, please help.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (AR)

Hello I have disputed with both Equifax and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX  has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Equifax. See CERTIFIED LETTER .. Equifax has allowed this violation by continuing to validate and not verify this information.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern, On XX/XX/2021 I visited XXXX around XXXX, the server was friendly and courteous. I ordered the chicken basket, fish basket for my spouse, a XXXX drink for me and a beer for my spouse. The service was good, however when I got home I started feeling stomachache and I started having XXXX  for two days. At the moment of service and when I left the restaurant I was feeling great and didnt have any stomachache or pain. I contacted XXXX through XXXX and XXXX XXXX from customer service replied to my concern and she didnt wanted to accept responsibility and as you can see in the screenshot I provided she ignored my complaint and didnt not responded back to me. Its outrageous thats this restaurant takes to much pride to accept their mistakes and the fact that I was ill for two consecutive days after consuming their food. I would not pay for a service or food that got me sick. I created a claim with Bank of America and I was provided a credit, however I received a letter today to the message center that states that the transaction is valid and that Bank of America would remove the issued credit. The transaction is valid in fact, I never said otherwise. My concern is that after I went to this restaurant I started having stomachache and I had XXXX  for two consecutive days. I have been to numerous restaurants in the past and I have never had any problems like I had at this restaurant. I was reviewing the reviews when I started feeling sick and I wish I had done that before. XXXX XXXX responded to my message and stated that they have never received any complaints for their food and I attached several reviews of complaints regarding health food issues at this location.Thanks for taking the time to review this matter and I just want my refund. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-04-27
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. (GA)

I have a membership with experian i corrected with XXXX  when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX  please correct.
Consumer complaint received 2023-03-14
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. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.
Consumer complaint received 2020-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I had a student loan with XXXX for 10 years, on a standard repayment plan, and according to XXXX, I was eligible for the loan forgiveness program. I applied, submitted the application and the employer certification ( I am a caseworker/social worker for the county 's child welfare services ). XXXX accepted the application and then turned it over to FedLoans for further processing. However, FedLoan denied the request because I did not have enough qualifying payments with FedLoan ( although I  did with XXXX ). Also, I was told because I had a " standard '' repayment program, I did not qualify anyway, as I needed to have a different plan, such as income-based. I don't think it is fair that I am being penalized for submitting an application with XXXX ( and having the 120 eligible on time payments ), and being transferred to FedLoan AND for paying back my loan, on time every month, including through COVID and not having a " income based '' loan. I am a person who has diligently paid back my loan since XX/XX/2009, have worked for social services/public service in county government, and should be eligible for the Public Service Loan Forgiveness program, no matter what payment plan I chose back in XX/XX/2009!
Consumer complaint received 2022-09-17
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NM)

The account SANTANDER CONSUMER - XXXX - is reporting inaccurately on my credit report with XXXX  & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Consumer complaint received 2020-10-05
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)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my consumer report. Specifically, the following accounts are being inaccurately reported are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as TransUnion are required to maintain accurate and complete information. Specifically, Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must ensure the information they report is accurate and up-to-date.. I am requesting that TransUnion conduct a thorough investigation of these inaccuracies and ensure that the information reported on my consumer report is accurate or deleted.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (VA)

I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX. The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX/ XXXX XXXX XXXX ), And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX  XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX ( 1 yr, 11 mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Consumer complaint received 2020-10-05
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX