davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my TRANSUNION consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

I purchased a property located at XXXX XXXX XXXX ( XXXX  XXXX ), XXXX, HI XXXX with a second-home conventional mortgage loan from Guild Mortgage Company. I put down approximately 15 % on the property as a downpayment in XX/XX/XXXX. I have consistently made on-time payments. After purchasing the property, I made substantial renovations to the condominium and completely renovated the entire property. In XX/XX/XXXX, I sent a letter to Guild Mortgage to request a reappraisal to request the cancellation of the PMI. Guild Mortgage ignored my written requests several times, even though I called them, provided them receipts and photographs of the work done to the property ( before/after ). I then threatened to report them to CFPB if they continued to ignore my requests, they then responded that I needed to pay {$650.00} for a reappraisal of the property based on an appraisal firm of their selection. Now, in XX/XX/XXXX, my LTV ratio is below 80 % of the ORIGINAL value of the propertyeven without a reappraisaland they are again refusing to cancel the PMI and are alleging that the original value of the property was {$280000.00}, and therefore, I am not yet at 80 %. However, {$280000.00} was the original purchase pricenot the original appraised value. 

I am requesting that Guild Mortgage comply with XXXX XXXX servicing guidelines for borrower-initiated removal of the mortgage insurance.
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc. (CA)

I paid the dues billing received from XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I received a bill for dues from Weber & Associates. 

XXXX I asked Weber for a breakdown / details as to what they claimed I owed and Weber could not provide such information. 
Weber just resent me WEBERs created vague bill. 

XX/XX/XXXX I called Weber - Weber had no record of my XX/XX/XXXX payment, so I contacted XXXX XXXX and asked XXXX XXXX to check its records. 

XX/XX/XXXX - I spoke with XXXX ( accounting ) at XXXX XXXX said it received my payment in XXXXand confirmed no further payment was needed as I paid my dues in full ( the amount billed to me by XXXX XXXX ). 

XXXX - accounting for XXXX XXXX -said she would inform Weber that my dues had been paid in FULL in XX/XX/XXXX ... 

Fast forward ... and in XX/XX/XXXX, I receive another bill from Weber & Associates- stating that although dues had been paid - Weber NOW wanted more fees and interest charges- based on what? After XXXX XXXX already confirmed that in XX/XX/XXXX all dues / amounts charged by XXXX XXXX had been paid / check cashed etc. 

Weber is AGAIN asking for collections ... this time asking for fees and interest ( with no breakdown, no details as to basis or calculation or rates or time period etc ) - based on what basis or calculation - when XXXX XXXX accounting confirmed previously that the dues were paid / check cashed XX/XX/XXXX ... 

and in XX/XX/XXXX XXXX of XXXX XXXX accounting confirmed no further dues or amounts were owed??!
Consumer complaint received 2022-07-01
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. (NY)

XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-01
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. (NY)

XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I set up a payment plan with Nissan Motor Corporation back in 2017 after they repossessed my vehicle, after a payment was made on my account. I contacted Consumer Affairs and Licensing, through XXXX XXXX XXXX. I worked with a young lady by the name of XXXX XXXX. On XX/XX/2017, the Mayors Office of Consumers Affairs and Licensing, received a letter from a XXXX XXXX XXXX, Senior Counsel, on behalf of Nissan Motor Acceptance Corp. stating in order to recover the vehicle I would have to pay  {$2700.00}, which I did on XX/XX/2017. I never received the vehicle back in my possession. I ended up filing a small claims judgement against Nissan Motor Acceptance Corp., in XXXX District Court. I was then contacted by an attorney they hired out of XXXX Ma. from The XXXX XXXX XXXX by the name of XXXX XXXX XXXX. We entered in to a stipulation of dismissal on XXXX XXXX and a confidential general release settlement and indemnification agreement which was to release the vehicle back into my possession and to take all negative items off my credit report. None of this was done. They took my money and kept the vehicle and they committed fraud against me. I have bad credit as a result of this transaction. I need help getting these negative items off my report as they have five of them on there.
Consumer complaint received 2020-05-23
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: EQUIFAX, INC. (AL)

I have sent Equifax several disputes about inquiries that I didn't recognize and inquiries that was not account holding inquiries. I requested that they investigate the inaccuracies and delete them but they keep writing back saying that inquiries are factual records. I have wrote several companies with the addresses that Equifax provided but have received return mail back from most of them saying unable to forward or vacant.
Consumer complaint received 2022-07-01
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. (MO)

In XXXX, an account with XXXX XXXX XXXX was settled and deleted from my credit file. I was listed as charged off and was reporting erroneous late payments on my Equifax credit report. For 2 years I disputed the information because the payment history was incorrect. 

In XXXX, XXXX XXXX XXXX admitted to their errors and requested from ALL THREE CREDIT AGENCIES that the information be completely deleted from my credit file. XXXX and XXXX did this immediately. Equifax willfully ignored the demands, even after my disputes and notifications from XXXX XXXX XXXX. After 4 requests the information was removed in XX/XX/XXXX, but Ive incurred humiliation, defamation and denials due to their willful negligence. Their lack of due diligence has caused harm to my person and my family. Had they done their jobs entirely and VALIDATED AND VERIFIED the information, it should have been removed after the erroneous information was reported in XXXX. 

My consumer rights have been violated! 
FCRA SECTION 623-FAILURE TO REPORT DEBT AS DISPUTED FCRA SECTION 623-DEFAMATION< WILLFUL INJURY FCRA SECTION 611 ( A ) -FAILURE TO RESPONDS It is THE OBLIGATION of the Credit Reporting Agency to report accurately and EQUIFAX HAS FAILED ONCE AGAIN XXXX 

I attempted to remedy this situation via certified mail on XX/XX/XXXX, to no avail. I have resent an additional notice.
Consumer complaint received 2020-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I went to XXXX College XXXX XXXX XXXX in XXXX, CO from XX/XX/XXXX to XX/XX/XXXX. I was unable to complete school due to a death of spouse and child. I have asked for student loan forgiveness due to uncontrollable circumstances. I have been denied or never get an answer. Also the school closed and is now XXXX. I never attended XXXX or any other school name it became. If school closed. It should have been written off in bankruptcy. It is deception and fraudulent to continue to collect on loans due to hardship and school closure. I am needing help navigating this issue. I have dreams to be successful for my family and loved ones. Any help would be appreciated. Thank you.
Consumer complaint received 2020-05-29
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. (TN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-10-15
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: CAINE & WEINER COMPANY, INC. (FL)

I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX XXXX XXXX, CAINE AND WEINER/XXXX, and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

My XXXX  credit report received a hard inquiry on XX/XX/2020 from : CITIBANK NA., BEST BUY Address : CITIBANK NA., BEST BUY, XXXX XXXX XXXX XXXX, XXXX XXXX , SD    XXXX I did not apply for a BestBuy credit card and believe a fraudulent application was made using my information. The BestBuy Citicard number : XXXX is not helpful. There is an automated system that requires either an account number or social security number. I do not have an account number and the account has not been opened yet so my social is not in their system. The automated system will not let you speak to a human representative under any circumstances I have tried numerous times. When I call the general Citi credit card number they always state they are unable to help and transfer me to the previously stated BestBuy number. I have filed a dispute with XXXX  and the determination of that dispute was the the inquiry was factual and if it was made fraudulently I would need to contact the same BestBuy/Citi number where I am unable to reach a person.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (FL)

I dont have any knowledge of this account and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX.
Consumer complaint received 2020-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

I have monitored my car loan very carefully with Santander since the loan is a daily simple interest loan. Santander charged misc fees in which they agreed to waive since they could not explain where the fees came from, the waiver took place on XX/XX/XXXX {$60.00} and XX/XX/XXXX {$86.00}. The Santander website does not disclose where the fees came from or a recurring balance of fees if they are carried on the account. The consumer has no way of knowing what the accumulative balance of fees are. The consumer is reliant on what the Santander Customer Service Rep tells them. This is misleading and a failure to properly disclose information. 

The second issue is with a daily simple interest loan, I repeatedly called Santander to keep myself up to date on the status of my car loan. I started to pay my car loan in advance to get the payments applied for principal and interest. 
Starting XX/XX/XXXX the following payments were made : Car loan current XX/XX/XXXX {$490.00} current car payment for XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$570.00} due date XX/XX/XXXX Car loan current paid in advance, XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance XX/XX/XXXX {$490.00} due date XX/XX/XXXX The Santander website shows my due date as XX/XX/XXXX, this is yet another mistake by Santander, this company has no problem taking interest payments but yet they fail to apply payments properly when it benefits the consumer. I am sick and tired of contacting Santander about their faulty servicing system and how it fails to apply payments appropriately. MY DUE DATE SHOULD BY XX/XX/XXXX.
Consumer complaint received 2022-07-01
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. (NC)

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.