davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC (NY)

I was given a pre approval from my credit union, XXXX. 
The dealer, XXXX XXXX said it was not an approval and they set me up with Westlake Financial. The car was XXXX I put XXXX cash deposit. They said they had to hike up the amount of the vehicle because Westlake charged them a dealer fee so they made it look like I was paying XXXX for a warranty. The total to be financed ended up being almost {$18000.00}. Four days after I took ownership of the vehicle the alternator went while I was driving and I almost had an accident. The vehicle was towed to the dealer and I told them I want my money back. The dealer is refusing and Westlake says it he alternator is not a big deal. I then told Westlake I want to do a voluntary surrender and they said I have to make a payment before I can do a voluntary surrender. 
I feel like Westlake and XXXX XXXX ( the dealer ) is working together and no one is taking my situation into consideration. I went to the XXXX and the dealer lied. I went to the XXXX attorney General and I was basically told too bad because the vehicle has XXXX miles.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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 an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (FL)

I am XXXX XXXX. I am writing the complaint to you again. On the XXXX of XXXX Truist bank closed my account without explanation. Both debit card and credit card were blocked. So I could not go on line to the account. Some payments were pending on credit card. It was a dispute about the flight with XXXX XXXX, they must return my money of XXXX dollars but I bought the ticket in the company XXXX XXXX. On the XXXX of XXXX I received the letter from Truist, that XXXX cents were received on the Truist account. I thought that the rest of money will be paid later. I never get any bills from Truist credit card and I could not get on the account online. I knew that some money was also pending on the card because XXXX gave me the {$20.00} refund issued on XX/XX/2023. 
XXXX received on : XX/XX/2023 on credit card account, also I had the rewards of XXXX dollars on the credit card. Yesterday I received email from Truist : '' Your credit card payment has not been processed. 
This is an automated message. Please do not reply directly to this email. 
We ran into an unexpected error. 
Hello XXXX, We were unable to complete your requested transaction due to an error during processing. Please initiate a new transaction request. XXXX From account : Truist Checking XXXX To account : Truist Consumer Credit Card XXXX Transaction date : XX/XX/2023 Amount : {$20.00} Confirmation : XXXX '' So, they began to charge interest to my credit card even without sending any bills to me, I called them yesterday and today I was talking to supervisor, she told me that they began to charge interest on my credit card before when the case was still pending. The credit card is not working since XXXX of XXXX, they did not send me any bills or any statements. Supervisor told me that I owe them XXXX dollars. So I want your help to stop their fraudulent activity. Supervisor told me on the phone that only today she will send me the statement on my credit card. Before there were no bills and no statements and the card was blocked. I ask your help to take off that interest payments on my closed credit card. Regards, XXXX XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NJ)

I learned that XXXX had sent a mobile phone debt to a third party collection agency Diversified Consultants Inc. when I applied and cosigned for a student loan for my son on X/XX/17. This appeared on my credit report under collection account. XXXX did and does not show anywhere on my credit report as the account was under my past employer. I utilized XXXX services when I worked for a former employer, received e- bills via email that I sent in with my expense account monthly for payment. We I left my former employer, the phone was taken away and I did not have access to email. The XXXX account did not show on my credit report as it was set up by my former employer. I called XXXX escalations at XXXX. I spoke with a Rep XXXX and his supervisor XXXX. He mentioned I had a balance of {$240.00} on the account. I told him about this being sent to Diversified for collection without every receiving a paper statement due to e-bill and not being to access when I left my previous employer. I would have paid the balance if I knew it existed to avoid issues. He told me that the debt would be recalled from Diversified and deleted from my CR if I resolved the balance, which I did, on X/XX/17. XXXX told me Diversified would received the letter within 48 hours. I spoke with his supervisor XXXX and she confirmed what XXXX had communicated to me. I also wrote a recognition letter based on XXXX 's patience and understanding in resolving this matter. ( I have copies of the emails sent to XXXX and payment confirmation ) .On XXXX/XXXX/XXXX, I called Diversified Consultants at XXXX and spoke with XXXX XXXX . I asked her if she received the retraction letter from XXXX and she indicated she did not. I asked her how she receives correspondence from XXXX and she told me electronically. On XX/XX/17, I then called XXXX escalations and spoke with XXXX as XXXX and XXXX were not available. He confirmed that the balance was resolved in full and the letter to recall the debt with Diversified was sent. I have a copy of the payment receipt so I asked him for a copy of the balance statement and information on the details sent to Diversified Consultants. Since this was communicated being sent electronically, it should have been available for the Diversified rep XXXX to view. XXXX put be on a brief hold and returned to tell me he could not provide me a copy of the letter or closing statement. He told me to wait and see what happens but could not validate the exact terms in the letter sent to Diversified. I then called back XXXX and she told me that I have to resolve this with XXXX as they are a debt collector. I asked to speak with a manager and she told me my agent was not available. I expected this to be resolved timely by XXXX based on my discussions and their commitments. My sons loan is on hold due not having the opportunity to resolve this when it was due. I never receive any letters from XXXX or Diversified Consultants.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OK)

I have XXXX credit cards through Synchrony bank. On each of them I have had the limit significantly decreased as I paid down the amount owed. One I never carried a balance on. After doing some searching I see this is common practice for MANY of their customers. From what I am reading this not only affects their and mine credit score but will also increase the percentage rate that can be charged because of the lower credit score. They also state that I have no verifiable mortgage. Well that is because I own my home outright. They can not base credit worthiness off of a home loan being public record or not. This is basically a credit company driving down customers scores so they can charge a higher interest rate on the lower balances. This needs to be investigated and stopped. It is basically a shake down.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

My IRA CD in the amount of {$95000.00} was requested to be transferred to my investment company in XXXX. The account was closed by PNC bank on XX/XX/XXXX and my investment company has still not received the funds. I called PNC bank about this on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I visited a branch in XX/XX/XXXX. I called XX/XX/XXXX. I sent a Indemnification authorization and it was received XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX. I was to get daily updates which I have not gotten. I called XX/XX/XXXX with no return call. I still have no answer as to when I will receive my money. I have lost 4 months worth of interest and an investment opportunity.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

am writing to dispute a late payment that has been reported on my credit report. The account in question is XXXX XXXX DBA XXXX the account number is XXXX According to my records, I made a payment on XX/XX/XXXX in the amount of {$350.00} which should have satisfied the XX/XX/XXXX payment. However, this payment was not reflected on my credit report
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (CA)

this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My Citizens Bank credit card account appears to be open within my online account, payments are caught up through this month, and a cash balance of {$100.00} is currently displayed in my online account. I went to make a purchase at XXXX XXXX for less than {$100.00} ( {$100.00} is authorized ) on XX/XX/XXXX, and was declined. 

When I called Citizens Bank Credit Card Services on XX/XX/XXXX, manager XXXX XXXX ( ext. XXXX ) informed me my credit card was closed in XXXX for delinquency I had missed a payment or two due to a job layoff in XX/XX/XXXX, but resumed regular payments ). 

However, the bank made no attempt to inform me by letter or phone, and my online account, which is caught up on payments ( I recently paid {$140.00}, and all minimums have been paid for the last several months Ive been assessed late fees and interest ) tells me I have a positive cash balance as I remain consistently under my credit limit ( {$1300.00} used out of {$1400.00} ). 

The bank says nothing can be done about reopening my credit card, despite the inaccurate consumer-facing information and silent account closure.
Consumer complaint received 2023-05-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 
XXXX XXXX XX/XX/2021 {$2500.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-28
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CREDIT ACCEPTANCE CORPORATION (PA)

After pulling my credit report have reported this matter to Credit Acceptance numerous times and the XXXX Credit Bureaus, I must add that there employees are very condescending and rude. When I would call to make a payment they ask me what made me fall behind ( I am not behind. I am making a payment today i would inform them I have never missed a payment. ) This company reported late payments my whole duration as a customer.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX opened a fraudulent joint account with my name at the Navy Federal Credit Union and had completed an ACH from XXXX XXXX to that account and withdrew the money and now that fraudulent account has a negative balance that will reflect on me. 

I never authorized or was apart of this account. I don't know this person, they stole my information.
Consumer complaint received 2023-05-31
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. (AZ)

I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Quality Loan Service Corporation (CA)

Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! 
QUALITY LOAN SERVICE CORPORATION.. 
1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 
2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 
3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 
4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 
5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 
7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 
8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 
9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. 
This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. 
Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. 

Thank you for your urgent investigation and appropriation of enforcement action.
Consumer complaint received 2023-05-31
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. (CA)

Good evening I wan na report Experians false and inaccurate and miss use of my credit profile for the account with XXXX  in the amount of {$100.00} they are accusing me of opening, I have already disputed this with them and they are accusing me that this account is accurate when it is not I have never opened any account with XXXX  in the amount of {$100.00} I recently just spoke to an representative with XXXX  named XXXX XXXX on XX/XX/23 at approximately XXXX on a recorded line and the representative even stated there was no account linked with my personal email, phone number and current address this is also not the first time I contacted XXXX  about this I also spoke to a representative on XX/XX/23 named XXXX XXXX Who also stated on the recorded line the same exact thing as well she even stated in email that there is no account linked with my personal email to this account I am now requesting full proof proving as well as my original wet signature that I took out such loan Experian is not being in FCRA compliance this is not the first time that they have reported false and not accurate credit reporting on my profile I have already waited 30 days for this to be resolved and Im not waiting any longer for them to fix this error in my credit report this account needs to be removed immediately and expedite this process fast as possible
Consumer complaint received 2016-06-28
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, Texas XXXX. I have been in a pre-loan modification status with XXXX Mortgage for approximately two years with No resolution. My account number is # XXXX. I have been transferred to XXXX different representatives over this time period. My home has been in pre-foreclosure status twice. I have not been able to make payments on the account because of the modification process. Citi-Mortgage representatives have constantly requested and have received documents from me but has not made a decision on whether the modification has been approved or disapproved. On several different occasions I was informed that my file was with the underwriter only to XXXX that the underwriter did not have my file in review at anytime. I am sending this complaint requesting assistance with this situation. My home is my primary residence and I do desire to keep it. Thank you in advance for your assistance in this matter.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In receipt of letter dated XXXX XXXX XXXX from Bank of America. I respond as follows : 1. I never made any request to have the address changed. When you change the address you have to sign for it with the post office. 
2. You provide copies of everything except proof from the postal service that a change by me or XXXX XXXX was requested. 
3. If an address change was requested, then why were the mortgage statements, 1099s, and other correspondence from BOA still coming to XXXX XXXX XXXX, XXXX, Va XXXX? 
4. In XXXX, when I spoke with your Bank rep, in search of my 1099 to file taxes, he said the address had been changed to XXXX XXXX XXXX, XXXX, Indiana. Please note that the first part of the address is the property address and the city and state portion of the address are where XXXX XXXX currently resides. This looks suspicious. 
5. In your response to the XXXX  inquiry, you admitted in your response that I was a victim of " fraud. '' I never requested to change the address. I will swear to this in any court of law. Please provide the proof. I think you are not being truthful, but I know your security and access logs for that account will tell the truth. Will you provide the access and security logs for the XXXX  - present? If you are being truthful, then the access and security logs for this account will reflect that. Please let me know if i have to create a formal request and mail it to the address located in your letter dated XXXX XXXX XXXX