davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNIVERSAL COLLECTION SYSTEMS, INC (TX)

This company refuses to be truthful about who they are and constantly goes under many different names. They will not disclose the correct company name when you call or give an address. 
I have repeatedly asked them to not call me at work, call my personal cell or family and friends but they do not listen. They make threats to my job and family that they are serving me paperwork for court hearing in XXXX XXXX and to avoid being ARRESTED they need to get my location immediately ( nothing has been filed with XXXX county ) They are calling me over 15 times a day from different numbers. 
I got so fed up with the calls, I started making payments to make them going away feeling like it would never end. The never sent over receipts or bills like promised, and they tried to pull out more than I had accepted. Within 1 hour of trying to take a payment and it not being accepted they were calling my employment yet again to try and threaten my arrest. I have disputed this to fraud to my bank and I have reported them to the XXXX XXXX XXXX, attorney general and now here. 
I have recorded phone calls, emails and voicemails of their tactics.
Consumer complaint received 2021-12-09
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. (FL)

Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is 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 personal pieces of information were found in my reports. The Equifax 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Employer : UNKNOWN Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (SC)

The dates I am note actually sure. I brought an used vehicle and when I test drive it I had no issues so I then proceeded with purchasing it. After driving a while the car would jerk and than stop I spoke with the salesmen and Advised him of what was going on and I also took it to be tested and there was something wrong with the engine valves I was then told the car wasnt worth the money. After getting an oil change I woke up to go to work the car would not start. I had the vehicle towed to my mothers home so it could be looked at the tow truck came and repossessed the car I was walking out to give them the keys and they drove off really fast. I feel like I should be relived or have and very low pay amount being that I was sold an bad car.
Consumer complaint received 2021-12-09
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.SXXXX code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these consumer rights.
Consumer complaint received 2022-07-26
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. (MO)

RESPONDING TO TRANSUNION for COMPLAINT # XXXX Please Investigate Consumer Report. 

Dear TRANSUNION, I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX Account Number : XXXX 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. 

On XX/XX/2022 I sent a complaint through the CFPB for TRANSUNION to investigate a violation of an account on my credit report. They did not properly investigate my credit report and has violated my rights under 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. I have not given written authorization to furnish this account on my credit report. Also, please show proof of how you verified this account or delete it from my credit report. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. 

According to : 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. 

Delete this account immediately unless you want to be held liable {$1000.00} per violation.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went to XXXX XXXX wanted to pay they said card was not valid. We have a {$60000.00} limit. Came home found out they closed my account. My husband died XX/XX/XXXX but they gave me no warning It was with Capital One and we got XXXX miles XXXX XXXX and I had over a XXXX miles saved. They said they are gone once it is closed. If I had gotten warning I could of made some trips or donated to XXXX XXXX
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX  XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

email phishing was able to access through my phone and was able to access my bank ( Bank of America ) appXXXX  and a XXXX XXXX XXXX transactions : $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXX $ XXXX XXXX with phone # XXXX XXXX XXXX with the confirmation : XXXXXXXX XXXX XXXX  Transaction : XXXX {$1000.00} with identifier : XXXX i need help an email corfirming i have been mail phished by this unauthorized transactions my email is XXXX email directly connected to the email phishing is XXXX XXXX XXXX i have submitted a fraud claim to the bank of america and the first step was freezing my account, we were able to freeze my account and processed my claim a week later came by and an email regarding the fraud claim was denied i called them again and submitted another fraud claim which they suggested into getting my email check by the source about the fraud, going to XXXX and checking XXXX about my hacked email. 

ive tried reaching out to XXXX about my XXXX and reporting all these emails as phishing and hacking my phone now i will try to reach out to XXXX about my phone being hacked, and XXXX about my phone number being used in the transactions which were connected to XXXX  and XXXX XXXX, i am so confused as to how XXXX  wasnt able to trace up the location on where the money was sent or atleast the IP address of the receipeint which would be able to confirm about the fraud activity.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm shopping for a mortgage and follow my credit scores. After checking what they are I finally applied for the mortgage only to be told that banks and lenders don't use the score that we are shown by the credit bureaus. The lender used the same companies but had a different score. Yet the credit bureaus lead us to believe that the score is the score, and hide any differences or more specifics behind lots of unintelligible legalese. I believe this is false or fraud.
Consumer complaint received 2021-12-09
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX reverse mortgage solution purchased a regular loan from a company now call XXXX XXXX. For the amount of {$18000.00}. My mother was unaware that this new company was a reverse mortgage loan she made payments from XX/XX/XXXX to XX/XX/XXXX. 
She died in XXXX Reverse mortgage has denied they receive payments from her but the bankruptcy judge made them submit fraudulent payment history. I have asked RMS to simply show us the deposit slip or some sort of transaction where they put in XXXX to her account they never did. I contact the IRS for her her W-2 forms from XXXX to XXXX there was never any installments in her account and never in a large amount of money deposited. 
RMS foreclosed submitted some sort of unverified paperwork and now have their name on her home. They have tried to evict me over seven times I went to court eviction court today. The judge refused to understand that this was a case of title not eviction we now have five days to either pay {$2200.00} to get an appeal or vacate my mothers home after 50 years. I would prefer to fax these papers to you tomorrow but in five days I will be put out of a home. 
my mother repaid a loan they denied that payment but we have proof from A company called XXXX XXXX provided me with the closing cost of {$18000.00} in XXXX. Please help us as soon as possible.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (FL)

I was young man and had no idea how much credit played in your life. I wasn't aware it was a necessity to live and could affect you so tremendously. As I got older I started learning more about credit and realized I should be monitoring it frequently. Looking upon my credit reports and open accounts, I saw an account that I didn't understand or recognize. In which I realized my identity had been used in my youth years which I didn't authorize or aware of. I have a credit inquiry on my credit report that I did not authorize such as : XXXX XXXX XXXX My address is incorrect on the report. My address is XXXX XXXX XXXX XXXX, XXXX XXXX fl, XXXX
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-07-19
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)

My name is XXXX XXXX I am a living man executor beneficiary of XXXX XXXX. It has come to my attention that although I have brain several letters asking for validation of death, audit trail I am not getting any response because of the automated system you have in place with XXXX fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation of the following federal constitutional law 15 USC 1681 ( A ) ( E ) 15 USC 16 9115 USC 16 zero 1 15 USC 1692. I am afraid of the three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and I respect for the consumers privacy. I did not give consent XXXX account. I have remain humble despite the stress, I do you, and XXXX three credit reporting agencies have density delete this account : US DEPT OF EDXXXX XXXX
Consumer complaint received 2022-07-19
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. (NJ)

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (FL)

I voluntarily surrendered my vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) to Regional Acceptance Corporation on XX/XX/XXXX, as outlined in the Voluntary Surrender Agreement. However, they have failed to update the account status or reflect the sale of the vehicle on my credit report. The balance and delinquency information remain inaccurate. I have contacted them, but no adjustments have been made to the past due amount or charge-off status. This has negatively impacted my credit report, despite the fact that the vehicle was surrendered over two months ago. I request that they update my account to reflect the sale of the vehicle and remove any inaccuracies regarding the past due amount and delinquency dates.
Consumer complaint received 2021-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC (PA)

I received a letter from a credit collection agency that calls itself XXXX XXXX XXXXXXXX  or XXXX, on XX/XX/XXXX stating that I owe a debt of {$470.00} on a debt to Rock Creek Capital , LLC for a leased XXXX XXXX that I turned back over in good standing in XXXX of XXXX. I immediately responded with a letter stating that I dispute this debt. On XX/XX/XXXX, I received a response form XXXX stating that I do owe them the debt for Rent Past Due, Sales Expense, and a Lease Termination Charge. Their letter also states that they do not have to respond to any other inquiries, requests for additional information or challenges to their claim. 

The lease in question was on a XXXX XXXX XXXX which I leased on a weekly basis from a company named XXXX XXXX, which was affiliated with XXXX. The purpose of this lease was to drive for XXXX. During my lease, XXXX XXXX was bought out by XXXX, which from what I understand went out of business after I terminated my lease and their remaining business was bought out by Rock Creek Capital LLC. I leased this car from XX/XX/XXXX through XX/XX/XXXX. The weekly lease payments were taken directly out of my XXXX earnings each week before I could even touch any of my earnings. I never missed a payment. When I terminated my lease, I called XXXX XXXX and they scheduled a pickup of my leased XXXX from my driveway. I was instructed to leave the keys in the XXXX and they would come pick it up on Monday, XX/XX/XXXX, which is exactly what happened. When I spoke to them on the phone, they told me that the final payment would be taken directly from my earnings as they always have up to and including the XXXX, and that there would be no additional charges. Everything went exactly as they described and I never heard from them again. 

The XXXX was in excellent condition when returned and nobody has reached out to me in 3 years to suggest otherwise. I have lived in the XXXX area, with an up to date legal address, the same phone number and email address as I had in XXXX and have never been contacted by XXXX XXXX, XXXX, XXXX, Rock Creek Capital, XXXX XXXX XXXX or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now, 42 months later, Im receiving letters from a debt collector which claims that I owe money to a company which has changed hands several times and I cant help but feel like they were just hoping I failed to respond to get a default judgement against me. 

I looked up this exact scenario online and saw that numerous other former XXXX drivers who leased through XXXX XXXX are now receiving similar letters beginning in XXXX, which I think deserves being looked into.