davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (VA)

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX BANK OF AMERICA HAD A CLOSE ACCOUNT AND IT WAS A MISUNDERSTANDING THAT BANK OF AMERICA REPS TWISTED THE ISSUE AROUND TO BLAME THE COMPANY AND HAD ME FILE A CLAIM TO SHOWXXXX WAS THE COMPANY DOING. I HAD A RENTAL CAR AND I WAS SEEING DOUBLE OUT MY ACCOUNT BOA SAID LETS FILE A CLAIM SI I AGREED TO FOR XXXX DOLLARS I LATER IN XXXX TALK TO ACCOUNTING FOR THAT COMPANY CAUSE IN XXXX BOA TOOK MONEY OUT OF ACCOUNT FOR XXXX AND NO NOTICE OR MAILS SO I ASK WHY AND THEY SAID IM NOT GETTING MY MONEY BACK THAT FRUAD IF I HAD DID THAT WE BE IN COURT. XXXX SAID THAT THEY WAS COVERING UP FOR A MISTAKE THAT BOA MADE AND LATER CAME IN A ACCOUNT AND TOOK MY FUNDS. SO BOA SAID THEY CAN DO IT WITHOUT ANY REASON AT ALL. XXXX XXXX I PAID IT TO THEM BUT BOA STILL STOLE MONEY WHICH IS NOT RITE
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Preferred Collection and Management, Inc. (FL)

Preferred CMS ( XXXX. XXXX XXXX XXXX, FL XXXX XXXX, XXXX ) has been continually robo calling my cell phone since approximately XX/XX/XXXX. On XX/XX/XXXX I sent them a certified letter ( that they signed for ) requesting that they cease and desist all communication with me and they have failed to comply. Due to all of the calls being automated robo calls, I have never spoke to a person a Preferred CMS, but if I had to guess, I would think that this is about a {$30.00} co-pay from XXXX XXXX XXXX XXXX that was billed and paid on XX/XX/XXXX. Both XXXX XXXX and Preferred CMS have received copies of the cancelled check showing that the amount and account number have been paid. I have proof that the bill was paid and proof of Preferred CMS 's acceptance of the cease and desist request.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX place has re aged an account they are reporting on my credit... .i have tried to challenge the XXXX XXXX accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Consumer complaint received 2021-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (IL)

I have an online savings account with Ally Bank. 
On XX/XX/XXXX, there was an unautorized transfer of {$2300.00} from my Ally savings account into an account with XXXX. The XXXX account was created in my name without my knowing. 
I disputed the transaction with Ally Bank, notifiying them I did not authorize the transaction, nor do I have any association with XXXX. Ally Bank denied my dispute, but have not given me a specific reason why, other than saying I'm affiliated with the XXXX account. 
I have called Ally several times, reiterating whoever opened the XXXX account used my name, but it wasn't me. The money was stolen. I have gotten no where with them. 
I can not get ahold of anyone at XXXX. I have spoken with someone on the phone one time, but they needed more info, and were unable to help me. I have very little info ( because it's not my account ), so I continue to hit deadends. 
I have filed a police report with my local XXXX Police Department.
Consumer complaint received 2020-05-28
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. (GA)

XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. XXXX  completed an investigation but did not update the incorrect information.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

This nightmare began with with my trying to dispute simple information and ended up in them deleting the positive accounts like my XXXX XXXX to completely freezing my whole account. This caused me to lose a home i was try ing to purchase im at wits end and prepared to get an attorney to sue them.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (LA)

It was brought to my attention of another car dealership that my loan with Exeter finance seemed a little off. I had this car for XXXX years bought XXXX 2020, Ive already XXXX the car off BUT only in interest so I still owe almost the entire balance until I split my payments in XXXX. I reached out to customer service to see if the application I put in was what they received so I asked for my application and they said they dont keep that on file or keep track of it. Meaning everything they needed for my loan just doesnt exist. My income, my down payment, nothing but my name, address, phone number and birthday is all they keep track of. For a company based on car loans you would think they would keep track of anything that is actually needed to approve loan applications. This loan is so high and if I had known this company was this shady I wouldve never signed the paperwork and went to someone else. This company already has lawsuits with other people. 
I was also told that after my first extension, I had to make XXXX full successful payments before I could request another. There was also a call with a customer service rep that was like just make a payment to stay on top of it even when I already expressed that I am struggling financially to XXXX XXXX I have to choose between paying a full car note or feeding myself for the next XXXX weeks of my paycheck. So they only care about making sure we pay our payments, not even caring about us as people.
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: Scott Fetzer Financial Group Inc. (CA)

Hi My name is XXXX XXXX I am here to make a complain on XXXX XXXX XXXX XXXX this is a company that helps you with IRS matters but never did anything for me at the time i was going through so much i was getting audit at the time and me sicking help found this company but never helped me.This company was a scam and me being in need they took a banish, I was the one that not knowing how to go about this situation called the IRS myself made a payment arrangement and settled it with them. I did question them if anybody had stepped in. in my behalf and they said no. At that point me not knowing continue on paying my dues with them because I did not want this to affect me on my credit. Called the XXXX XXXX number XXXX they gave me and made a complaint but nothing was ever fix and now it continues to affect my credit still after time. I need any help I could get to fix this matter. I would greatly appreciate. Thank you, Sincerely XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (FL)

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS 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. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (VA)

The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I am writing to dispute a charge of {$680.00} to my credit report on XX/XX/2019. The Charge is in error because it should be paid by the Fault party involved in the car accident. 

I won the lawsuit on the car accident case with my attorney XXXX XXXX XXXX. All the damages and medical bills caused in the incident should go directly to the Fault party.
Consumer complaint received 2023-01-10
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. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

On XX/XX/2022 I submitted a request to have the PMI canceled on my mortgage. I have reason to believe that my XXXX on my home is such that I should no longer be required to pay this insurance. I was instructed by my servicing company, Newrez, that they would send me a request to cancel PMI application and that I would need to pay {$150.00} for a local agent to come and assess my home. I'm fine with that, however, it has been almost 3 weeks and I have not received the application. Every time I call they keep putting it off another week, etc. I have invested in excess of {$80000.00} into my home and I am quite certain that I should no longer be required to maintain PMI insurance.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BY 2 PEOPLE WHILE BEING WITH MY FAMILY. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (CA)

What is the specific law or guideline identifying the maximum late fee penalty that a company can charge? 

I ready some items about reasonable costs to the lender but how do you identify reasonable costs. This seems to be so vague and so hard to prove. Credit card companies would seem to have some restrictions on how much can be charged for late fees. Don't they? 

There should be a limit on how the late fees are calculated. I spoke with a representative today XXXX at XXXX and they advised that they charge the late fee based on what is past due plus all other future transactions that are not yet due. This does not sound correct. How can you charge a late fee on future transactions that are not yet due. Late fees should only be associated with the past due balances.
Consumer complaint received 2023-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

Account # XXXX Collection : Medical Data Systems I Amount : {$2400.00} XXXX reject to offer your contract. I did not consent any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The extension of credit would be a violation of the False Claim Act. I would like the name and address of the original creditor as i have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any furnishings of false, credit information to the credit reporting agencies. I will file suit for intentional infliction of emotional distress.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX visiting daughter in XXXX XXXXWe have a shared Costco account. To Costco. Offered to buy XXXX XXXX XXXX for daughter. Got to check out. Didn't have my Costco credit card. Daughter charged XXXX  to her account. I told her I'd send {$140.00} to Citi Bank Costco as soon as i got home to PA. Sent check to Citi bank XX/XX/XXXX for {$140.00}. Put last four digits of daughter 's account in memo line of check. btw, I pay all my Costco bills by check and put last four digits of my account on memo line. So far, never a problem. I noted on XX/XX/XXXX statement the {$140.00} had not been credited. XX/XX/XXXX and XX/XX/XXXX Called Citi who determined money had been deposited to another XXXX account with same last four digits. Citi told me money will be in our joint account in 7-10 days and i'd receive by snail mail documentation to complete and return within 30 days.Money did appear in account as credit but no snail mail arrived. XXXX XXXX Called Citi to say no snail mail documentation request had arrived. Citi determined snail mail had been sent to XXXX, NC. Same daughter lived in XXXX in XXXX but left forwarding address with PO when she moved to XXXX. Citi said they will resend documentation request to me in PA. Meanwhile, {$140.00} has been taken out of our account because snail mail documentation request was not returned to Citi. XX/XX/XXXX call to Citi to ask what next. Citi states " investigation started. '' snail mail request resent. XX/XX/XXXX - called Citi because no snail mail request has arrived. Citi states none sent but will send it today ( XX/XX/XXXX ). XX/XX/XXXX Snail mail from Citi saying they can not find {$140.00} and I am to send copy front/back of check to them. Copy sent to Citi Costco XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX.
Consumer complaint received 2023-01-10
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. (TN)

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. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 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.