davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-30
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (WA)

CarMax well I should say XXXX XXXX approved my financing all my paper work was approved the last thing left to do was add insurance.i went to CarMax after reviewing an offer provided one I have to feel a 1099a for acquisition in a security interest which I was told by IRS CarMax denied that first violation second XXXX months with apr over 27.6 percent is twice the car price which the bank was obligated to pay.second violation in a credit transaction is CarMax wanted XXXX cash cash and credit transaction don't co exist .third violation after check my credit which cfpb been helping dispute my credit because it is not accurate they did not call and verify as it states on my credit report .fourth violation by. Car max is trying to assign my interest and rights .in all reality they aren't giving me a loan in ucc 1 finance statement with security agreement which I took to car max after they told me all I needed was insurance which I purchased they denied after I provided the ucc1 o I can amend it and pledge and add the bank to recieve my security interest .car lot banded me from all their lots of purchasing my car .do they XXXX able to dropp my credit the 1099avwas already approved by IRS with vin . CarMax needs to either give me my car or race lawsuit and they need to explain to IRS they canceled this deal because they know they weren't supposed to receive a down payment when the contract it's self I give value too is a promissory note which they pledge to bank in order to retain creditsmim tired of these thriving companies aquiring assets and then turning around deny people because us consumer are woke .so this would consist of fraud taking my credit card social using it and I did not receive a benefit. CarMax corporate called and I explained why I presented ucc1 all they talked about XXXX this XXXX cash they need which they aren't entitled to and they denied my rights who are these people.they sell cars they obivously are not following buissnness laws .and ucc . So makes me wonder if their accounting in compliance with gap
Consumer complaint received 2023-05-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
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: Self Financial Inc. (GA)

After carefully monitoring my credit reports the last serval months I notice this account is reporting to all three credit bureaus, the Account name is XXXX. 

In accordance with fair credit Reporting act XXXX. XXXX have violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B A creditor may not treat a payment on a credit card account under law as open end consumer credit plan as late payment. 

I have contacted all three credit bureaus that are reporting, and ask them to validate this account, and that has not happen. I have been sending letter since XX/XX/XXXX. 

I have contacted the company, trying to dispute this information and they do not have a place really to call to dispute the information. They took the information from that I have no knowledge of this account and could they send me proof that I am the owner of this account and they have failed to send out the necessary information or remove this file from my credit files. 

XXXX and XXXX are reporting this card with a late payment in XX/XX/XXXX then it was closed right after. XXXX is reporting this account as in good standing never late, this is in accurate information being reported.
Consumer complaint received 2023-05-30
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-30
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. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2016-11-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have had numerous problems with Chase lack of customer service through out the years. I have made attempts to modify my second mortgage with them three times after my first mortgage was approved and received piles of letters and made numerous phone calls which still resulted in no modification and continued to pay a high XXXX percent on my loan. I 've asked Chase repeatedly to work on the modification as I was having financial difficulty and the lower interest would help with brining the loan down. I got no where. 
In XXXX of 2016, I was selling my home and was in contact with Chase for my payoff. This was the second time after my first sale in XXXX fell through but they were well aware of the sale of the home, Chase then proceeded to sell my mortgage and delayed my closing for weeks as I had to find who they sold the mortgage to and await for them to get the payoff information on the loan. I received no letters regarding this and no forwarding information pertaining what they were doing. In addition to reporting late payments to my credit, the loan is reported as sold and I have no credit report of the loan being paid in full because of their actions which continues to harm my credit. The company they sold my loan to is not even showing on my credit or that the loan was paid. For all these inconveniences they have cause me as I continuously tried to work with them, would like all derogatory reporting on my account to be reverse and that the loan was paid by the company they transferred it to not showing just transferred and closed which is not accurate to the events that happened.
Consumer complaint received 2023-05-30
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. (AR)

I sent a letter to notify you about some inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following fraudulent items are needs to be removed : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal restrict my account because they said it was fraud activity going around but I never did no fraud activity on my account I had just open my account and I had deposited money to keep it open they Restricted my account for no reason I would love to have my account back
Consumer complaint received 2023-05-19
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. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

I remitted a payment to payoff the balance of my car loan with Toyota Financial Services on XXXX XXXX, 2016. According to TFS, on XXXX XXXX, it was determined that my payment could not be processed. I received no notification from TFS that they had failed to process my loan payoff until a letter was sent to me on XXXX XXXX, 2016 ; in fact, I logged in to my online account portal several days after the date of my first attempt to pay off the loan to confirm that my account had been closed. The online dashboard indicated that my account had been paid in full and was closed. 

In the meantime, despite the fact that I was enrolled in automatic payments, had never previosuly missed a payment on the loan, and have good credit. TFS did not process my loan payments per the normal schedule for XXXX or XXXX. They did not inform me of this payment processing change until I received my next statement on XXXX XXXX, 2016. The statement indicated that TFS had imposed a late fee on the XXXX " missed '' payment, and confirmed over the phone that TFS had reported the " delinquency '' to the credit bureaus.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.C. System, Inc. (MO)

Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Express Recovery Services, Inc. (UT)

A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.
Consumer complaint received 2016-11-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (KS)

I have a car loan through XXXX, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in XXXX ( followed all rules and regulations ), again on XXXX at XXXX in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on XXXX - XXXX - called him again and said the same thing. I am the only one that is on my car loan. They have now given out personal information about my loan to someone who is n't on the loan and they continue to reach out to him. This is illegal and unethical practice. Again I know that my car is behind but they need to reach out to me not him and I do plan to move forward with holding them accountable for their actions and protecting myself.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have contacted Capital One credit card three times on this matter. 

This is a dispute with Capital One. I attempted to make my payment on my account. I have never been late. The mobile app somehow did not take the dollar amount I entered, and a partial payment was made. The error happened repeatedly, but eventually showed the full payment and I thought it sent. I had no intention of making a partial payment. The payment was made from my Capital One 360 account, and the remaining funds were in there. I do n't use my 360 account for anything but making this payment, and I transferred money there to do that. 

I called and explained my situation, and the gentleman said he understood and had taken care of my late payments on capital One 's record and it would update with the credit bureaus. Please pull this call recording, or I will request the CFPB pull the recording in an investigation. 

The time and date of the Capital One employee telling me this was taken care of was at XXXX XXXX XXXX PT. 

Additionally, when on the phone for all that time, the representative failed to tell me that the payment was applied to XXXX and XXXX was still not paid. I would have paid the account that day had I known. My mobile app did not indicate this was late when I looked, and now I have two thirty day lates. 

I realize that Capital One must report the actual performance to the credit bureaus. However, based on the minimal control a consumer has if technical errors occur, Capital One should recognize my past behavior, my strive to build my credit and my conversation with them to correct this problem stemming from a technical error.
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP (FL)

My car was repossessed in XX/XX/XXXX when I lived in California. I am now in the XXXX at XXXX XXXX/XXXX and my XXXX XXXX shows that US Bank claims on my credit report that this debt is still owed. I am currently working with a financial counselor and she assisted me today to reach US Bank and try to get a XXXX issued since the limit of liability has expired on this debt. XXXX @ XXXX told me and my counselor that the car was not repo 'd until XX/XX/XXXX and that there is a class action suit on this case. They told me that I would have to contact XXXX XXXX XXXX @ XXXX to find out any details. When we called it tells us that the number is no longer in service. This is holding up my XXXX XXXX for the XXXX XXXX XXXX and I want this to end.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Hello, I have a checking account with Huntington bank. I recently made a bill pay through my checking account for {$1600.00}. The payment was issued and mailed by the bank on XXXX. My mortgage company never received the payment. I called the bank multiple times and spoke with several managers. The check that Huntington bank issued returned back to Huntington bank stamped ( returned back to sender, the address does n't exist ). However, Huntington bank still states that the payment was cashed when my mortgage company never received it. 
I spoke to a supervisor XXXX on XXXX, she indicated that the money will be placed back to my account on XXXX at XXXX. 
Today, XXXX, I still have no money. Multiple calls later, i have no answer about my missing funds and XXXX does n't return my calls. The bank admitted that they have a glitch on their part and the check was never cashed BUT they still refuse to deposit my money back. I spent so much time on the phone and even though I was promised for the money to be deposited back it 's still missing!!!!! I feel like HUNTONGTON stole my {$1600.00}! They just simply pocketed it! My money is still missing and I cant make my mortgage payment!
Consumer complaint received 2016-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alacrity Collections Corporation (MD)

I paid a bill to XXXX XXXX XXXX and XXXX on XXXX/XXXX/2016. This payment was posted to my checking account on XXXX/XXXX/2016. As per XXXX at Patient Services, the payment processing service for XXXX XXXX XXXX and Imaging, their records confirm that my payment was received on XXXX/XXXX/2016 and the account was sent to collections on XXXX/XXXX/2016. As it is unlawful to attempt collection on an account that has been paid in full, I request an immediate investigation of this alleged violation of the FDCPA