davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am reaching out because I originally requested XXXX experian and XXXX to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly as possible.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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.
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

XX/XX/2023 I went to XXXX XXXX for groceries. I scanned in my membership card and paid for my bill, {$86.00} at XXXX XXXX. I left and walked to my car. I searched for my card and realized I left it on the credit card terminal. I went back inside to search and the worker reported she had given it to her manager. I then went and got gas, again scanning my card for {$63.00} at XXXX XXXX. Later after looking at my statement, between XXXX and XXXX there were two separate XXXX charges for {$180.00} at XXXX XXXX  and {$190.00} at XXXX XXXX. Neither of these two additional charged were scanned under my membership account. Upon seeing these charges, I canceled my card and reported the charges as fraud. Citi bank has denied these fraud claims. I am now no longer able to see my past purchases beyond my most recent one with my linked Citi Costco card. If this is resolved I will be more than happy to show that I only scanned my membership card for my initial purchase and for my gas.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2021-07-09
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)

The credit agencies are Not contacting the company and I have inaccurate reporting. First they had a Ghost freeze on my account that No one I mean No one could see but All a sudden after years I was about to see. I need for all inaccurate reporting to be remove immediately.They are hiring Unhonest not loyal lazy employees that wait almost until 30 and say that they contacted the company and its accurate they are wrong to lie. Please investigate, send a Whistle blower etc .Can not dispute with XXXX because they have that you already disputed. This needs to stop credit reporting agencies are fraud
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

On XX/XX/2019, I entered into a consumer credit contract with XXXX XXXX XXXX ( an affiliate company of the XXXX, XXXX corporate family ) and a consumer credit transaction occurred for a 2019 XXXX XXXX. I have reason to believe that this entity is a financial institution pursuant to 15 USC 6827 ( 4 ) ( B ) and also a seller-creditor as mentioned on my contract pursuant to 16 CFR 433.1 ( exhibit A ). I have reasonable suspicion that the contract/transaction are fraudulent in nature. I have attempted to settle this matter many times ( in person, over the phone, AND through electronic correspondence ) with XXXX XXXX XXXX and also TOYOTA FINANCIAL SERVICES INTERNATIONAL CORPORATION without any remedy. Per my contract, as the consumer and debtor ( pursuant to 16 CFR 433.1-433.3 ), I am asserting my rights. I believe I was fraudulently required to pay a down payment ( exhibit B ) which is a violation of 15 USC 1605 in transactions where finance charges are involved : " The finance charge does not include charges of a type payable in a comparable cash transaction. '' 15 USC 1605 also states that : " 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. '' ( exhibit C ). However, I believe I was fraudulently coerced into paying extra charges and monthly payments/fees that far beyond exceeded the finance charge ( exhibit D ). I believe these extra charges and monthly payments/fees constitute another violation in the form of a billing error ( exhibit D ) pursuant to 15 USC 1666 ( b ). In addition, I believe my promise to pay ( promissory note ) via a negotiable instrument secured the loan ( purchase money loan pursuant to 16 CFR 433.1 ) and discharged the obligation at the time of signing which also constitutes a billing error. Also, I believe my rights of rescission were violated pursuant to 15 USC 1635 due to the fact that I was not furnished with any rescission disclosures at any point in time and the contract goes as far as to state that there is " no cooling off period '' for this transaction ( exhibit F ). I also feel that this " loan '' was fraudulent in that it is not a loan at all but a " credit sale '' in that I agreed to " buy the vehicle on credit '' ( exhibit G ). Many courts have long established that banks/financial institutions may lend their money can not lend their credit.
Consumer complaint received 2024-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

I called Shellpoint ( formerly SLS ) asked to speak to a supervisor for information why the monthly payment increased when the name changed. He said no one was available and he knew why so I didnt need to talk to anyone else. He said the interest was 4.5 % and I said I remember it being lower. He said its always been that and the the reason the monthly payment went from {$520.00} to {$650.00} in XXXX when they changed names ( without wanting it changed for autodraft ) is after a certain amount of years into the mortgage, were required to pay more on the principal. I said this makes no sense since its a 50 year fixed term mortgage. He said thats how it works. 

I just found the paperwork and it says the rate is 2.74 % until XXXX so he lied. He also lied about the payment having a reason to change since its a fixed rate and no such thing as principal increasing at different years. The law is no terms can change and it says so in the XXXX letter about the XXXX name change of the company processing the payments for the mortgage.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an email at XXXX on XX/XX/22 alerting me that a credit card was opened in my name through Bank of America but it was not me, it is fraudulent. 

Your credit card application has been received XXXX XXXX, We wanted to let you know that we've received your application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We're currently reviewing your information and you can check your application status online at any time. 
Your application reference number is XXXX.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate name : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK  XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I took a stress test at my cardiologist 's office on XX/XX/2017. The charges for the XXXX  test procedure were submitted to and covered by my XXXX XXXX XXXX Federal Employees Program medical insurance. I received a copy of the Explanation of Benefits provided by XXXX to cover the cost of the procedure. The XXXX XXXX XXXX provider of the service was a XXXX XXXX XXXX  " preferred provider '' and, as such, was required to accept the amount indicated by XXXX as payment in full for the services rendered. XXXX XXXX and XXXX XXXX paid their portion and I paid the patient portion in full. The doctor 's office has attempted to collect an additional {$790.00} from me that I do not owe. I have received numerous calls and letters from them, their internal collections department and an outside collections agency. Each time, I have submitted letters disputing the validity of this debt and provided them with copies of my XXXX XXXX XXXX Explanation of Benefits, which clearly states that I am not responsible for any additional amounts. This have been going on for nearly two years and I am suffering a great deal of stress and anxiety because of the ongoing dispute.
Consumer complaint received 2021-11-30
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX of inquiry XX/XX/2020
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have used Merrill Lynch and Bank of America for over 35 years. XXXX weeks ago I went to transfer a large sum of money from checking to my Merrill Lunch XXXX account and ny accident I transferred the money in to my XXXX XXXX and it is showing a prepaid balance. 

I have called several times, they will not put the money back where it came from and it is a very large sum of money. 

{$640000.00} If I try to transfer it, it says it is over my limit and it will start to charge my cash advance fees.
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (VA)

In XX/XX/XXXX I filed chapter XXXX bankruptcy I included Monterey collection services they were sent notice this has been a long court case they are stating that I owe XXXX on XXXX dollars and half has been paid, they have ignored all bankruptcy proceeding and I am currently due back in court with them on XX/XX/XXXX for them to answer for this account making threating phone calls and threating to destroy my credit. They were served this month with legal actions in regards to this and they are able to look up all bankruptcy information. 

they have this as an open account that they will not be collecting on due to my bankruptcy. by law, they are not to contact me or attempt to collect a debt that is in bankruptcy. disputed this with the credit bureau also. because they continue to report it as a debt. I would like for them to acknowledge that they received all documents pertaining to this bankruptcy and they did not shoe for the creditors meeting to speak against so it's in the process of being discharged,
Consumer complaint received 2021-12-02
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 (CA)

On XXXX {$9400.00} worth of fraud was charged to our bank account. Bank of America alerted that there was suspicious activity on XX/XX/XXXX and put a halt on our card. After speaking with a bank representative on the phone and confirming the fraudulent charges, the bank created a claim and we were told that the claim would be reviewed and the money should be recovered. We had instances of fraud in the past and knew the process the bank used in the past so we knew what the next steps would be. 

We waited and heard nothing until XX/XX/XXXX when i received a letter in the mail dated XX/XX/XXXX. This letter seemed vague and unofficial. It explained that the claim was denied based on the information they received that stated all the authorizations were authorized. I received no proof, no paperwork .... no information other than that the claim was simply denied. 

The $ 9000+ charges are all XXXX XXXX. I am a XXXX XXXX XXXX mother married to an XXXX. We do not and have never used or purchased XXXX XXXX XXXX XXXX XXXX etc. You can clearly see from our banking history dated all the way back to XXXX that we do not purchase XXXX XXXX and would never buy {$9000.00} ( Our life 's savings ) worth of XXXX etc for our family of XXXX. 

We have tried to contact the bank but they have shut us down explaining the claim is now closed and they are not responsible. After calling multiple times they gave us a fax number to send an appeal. I sent XXXX appeals by fax on XX/XX/XXXX. I have heard nothing. 

I have not contacted the company that is responsible for the majority of these fraudulent charges because I didn't want to interfere with the bank handling the dispute. The company name is XXXX XXXX in XXXX CA. 

We are desperate to get our savings back especially during these financially difficult times. We were really shocked that our bank account was compromised and now they are not taking responsibility for the fraud. 

Please advise what can be done. 

Thank you.
Consumer complaint received 2022-11-29
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: CORELOGIC INC (CO)

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires 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 CREDCO - XX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO/XXXX XXXX - XX/XX/XXXX I'm not sure why XXXX XXXXXXXX keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for Credo, I don't even know who that is and why would anyone apply to the same consumer that close together?
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (CA)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I bought a car and the loan is through Bank of America. I set up my payments to withdraw {$250.00} every 2 weeks until I cancel. I am paying more on my car to pay it down faster. Yesterday I received a call that I am past due on my auto loan, to my surprise I didn't think this was possible. after digging into the issue I see Bank of America cancelled my auto drafts I had set up. I re-set it up so it will be correct, but because of them canceling it they are now saying I am past due. When I set up my auto draft I selected that this would go on till I cancelled it, I never canceled it, BOA did. Now I am getting collections calls. Late fees etc.
Consumer complaint received 2021-11-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

I had fallen behind on my mortgage payments in order to help my mortgage payments in order to help my brother whom had no insurance and XXXX XXXX. My mortgage company reached out to me and said I could sit for a " loan modification program '' theybsentbme paper we Ork I filled it out but it was never good enough for them. They would wait then ad firvan updated paystub or bank statemebt. This went on and on and on. They refused to accept anypayment during this process. I applied for bancrupcy in order to save my home. In the meantime my mortgage company sent me a " XXXX '' XXXX of them actually.my attorney did not wish to address this so I found an attorney whom knew about this. It is an unusual thing to receive but basically gives me my property. Back to court after paying a hefty attorney bill. Now, my bancrupcy payments are more then I earn. They want to add anothervXXXX a month in addition to the {$3700.00} I'm currently struggling to pay. I'm.in the second I try third year of this and feel like I've invested so much I can't just give up on my home. I've lived there XXXX years and according to my attorney PHH MORTGAGE Wull not work with me in order to re-finance. If they would that we ould be great and I could afford to keep my home a d avoid being homeless. I think that was a scamsunce they let it continue so long, never gave me an answer as to refinance or not plus refused to accept any payments all that time until.XXXXvday they decided I owe the entire balance at XXXX time. I feel.like this was a scam and have been severlybtaj err n advantage of. I want them to refine my loan. Approx XXXX years prior I had refinanced from.a XXXX year to a XXXX year loan and chose not to take any money back from them. Now they have me in a place that I can't even make my payment as I don't even make enough to cover that XXXX bill letbalong feed myself or have had to get to work. I need help.