davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2024-10-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I purchased an automobile and the corporation that purchased my debt started scamming from the moment they bought the debt. 
The file show all the illegal maneuvers from the onset until present and most pervasive not being honest In court. 
But now their scheming left them vulnerable. Now their disdain is in writting.
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-08-31
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX received XXXX in checking account then I withdrew the money at the bank then went to store to purchase two cards one for {$200.00} and the other for {$500.00} took pics of gift cards and receipt called the loan officers that put the money in my account to supposably temporarily boost my credit score to XXXX in order for the {$3000.00} loan to go through for me but needed to make two transactions I did scratched off the grey area then sent pics to them of gift cards to scammers I tried closing this bank account I'm now XXXX in the hole when my check comes in I'll have {$100.00} to live on the whole month after they take more money from me there's more but I can wait please help me
Consumer complaint received 2020-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of the South, Inc. (LA)

In 2019 I was seen in an urgent care for a minor issue. I paid in full at the time of service, and somehow it seems the original debtor tried to run it under insurance and it said I owed. This bill got sent to delinquent recovery associates in XXXX la at some point and thats when they began calling me. 

I went out of my way to contact the original debtor who assured me I didn't owe the bill and they faxed the information to DRA back in XXXX. I noticed the bill never dropped off my credit and received a super rude call from one of their associates in XXXX. ( Associate wouldn't let me explain that the bill shouldn't be owed so I could see what I needed to do to clear it up, kept saying " if I believed everyone I'd never collect a debt '' ) so I called the urgent care again. They AGAIN assured me they sent the info in XXXX and sent it again in XXXX while I was on the phone. They then had someone at the clinic call DRA directly to confirm that the debt wasn't owed as that is what XXXX ( a supervisor at dra ) told me he needed. I was assured after calling everyone back again that this would be taken care of, that dra has spoken to someone at the clinic, and to just wait so that it can be removed from my credit report. 

I just received ANOTHER call today from the associate who was rude to me the first time ( who I already was told would be removed from my case as I asked to not speak to her again ) who again told me the debt was owed and " i need to pay my bills '' and that there was nothing in the system that supported my claim. I called DRA directly AGAIN to talk to a supervisor at this point because I've been informed by 3 people and the original debtor that this should be handled. He basically told me that they HAVE talked to the urgent care but didn't receive a piece of paper they needed so the debt was still owed. I have NO IDEA why if you have already received word from the clinic that the debt doesn't exist it would be considered anything but harassment and an illegal attempt to collect an invalid debt to be calling me at all. Especially by someone I've asked to never call me again. He also said if I were calmer maybe his associate wouldn't have been so rude. Idk who is calm after 6 months of something they never owed to begin with being on their credit score and being harassed by people who are essentially calling them a liar for half a year ... but im pretty sure debt collectors aren't supposed to yell " pay your bills '' at people on the phone ... especially since I DO PAY MY BILLS AND I NEVER OWED THIS MONEY TO BEGIN WITH.
Consumer complaint received 2022-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2020-11-13
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. (CA)

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  XXXX  and Transunion but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (NJ)

Subject : Formal Dispute Regarding Unauthorized Credit Inquiry and Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the unauthorized inquiry placed on my credit report by your company. Your company pulled my credit report on XX/XX/year>, and added a hard inquiry under [ Credit Bureau : XXXX, XXXX, or XXXX ], yet no credit was ever extended to me. This unauthorized action is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violation : Under 15 U.S.C. 1681b ( f ), you are legally required to have a permissible purpose to access my credit report. Since no credit was ever extended to me, you did not have legal grounds to pull my credit report, and your inquiry was unauthorized. As a result, you have violated my rights under the FCRA, and I am entitled to {$1000.00} in statutory damages per violation under 15 U.S.C. 1681n.
Consumer complaint received 2022-11-14
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. (FL)

The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

I am writing to formally request a refund for the excessive lender-placed XXXX  and XXXX XXXX that Newrez LLC , as the mortgage servicer for my loan, has charged to my account over XXXXXXXX XXXX XXXX XXXX Specifically, I was charged {$XXXX} for one month of coveragean amount that is typically the annual cost for such insurance. 

Newrez claims that this action was taken due to my failure to secure my own coverage, but the practice is both unfair and deceptive. At no point was I provided with a clear, informed option to purchase my own, more affordable insurance. Instead, I was forced into a higher-cost solution without my consent, which is manipulative and misleading. 

The amount charged equals one full month of my regular mortgage payments, which is unsustainable given that I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NJ)

when I was checking my bill online for XXXX, I found out that the interest is more than any other month statement date Due date total principal interest XX/XX/22 XXXX {$740.00} {$240.00} {$450.00} all other statements show less interests, the month before was showing {$280.00}, the month before was {$29000.00} interests and so on, and as I know the interest is % 19 fixed rate. I decided to call customer service and I spoke with XXXX who mentioned that his Employ ID is XXXX, I asked him why I am paying {$160.00} extra interest since I have never missed any payment, he stated that because I paid my monthly payment 6 days earlier before my due date, I asked him how come, if I paid 5 days earlier that would save me interest and not adding {$160.00} extra. also Santander dont show how much interest and principal I have to pay with every bill they generated, but it showing on the next billing cycle, so their bill is just how much I have to pay without explanation till I get the next bill.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number : XXXX
Consumer complaint received 2023-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

I reached out to West Lake about the remaining balance on my account and Everytime I'm being told nothing. I've asked for documents pertaining to my account but nothing has been given. 

They took over my account from XXXX XXXX XXXX without my know of knowing so I continued to make payments so I could keep my car. My balance has reflected XXXX and payments have been made. I have attached a screenshot along with my account number proof that my balance is XXXX they've reported it to the bureaus that I'm delinquent with this account. 

Please provide any information regarding my account and fix this with all three bureaus.
Consumer complaint received 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

My mortgage is processed by Loancare LLC. In XXXX, I requested my escrow requirement be waived and allow me to be responsible for my property taxes. After submitting the required paperwork, my exemption was approved in XXXX and my escrow payments to date were refunded to me through XX/XX/XXXX. 
I called Loancare to ask if my XXXX auto-pay could be updated to take out the XXXX escrow amount. I was informed it was not possible but I could call back for a refund. It was presented as a simple process. 
I called them back after payment had been processed. Customer service told me they processed the refund. However, I did not receive the refund. I called back in XXXX. I was told that the refund department needed verification that I had paid them the funds. 
I informed them that it was Loancare that processed my auto-pay as they had done in prior months and that their own statement showed the excess funds. They told me that I needed to submit a bank statement showing that the funds had been deducted from my checking account. I asked how did that prove anything if they didnt believe that they already had my funds. I was told that that was their process and if I wanted a refund I would have to comply. 
I am concerned about identity theft, so I submitted a statement with my only the last four on my account number showing and the actual transaction. This was not acceptable. This had already taken up too much of my time and headspace, so I submitted the entire statement, They sent more communication denying the refund with excuses such as needing additional information or saying they misunderstood the request. The final straw has been when theyve responded saying that the request is after 60 days of payment processing and can not be refunded. They do not mention what will happen with the excess funds or that they originally refunded the escrow balance well after 60 days. 
It seems they are looking to ways to frustrate their customers.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit bureaus.
Consumer complaint received 2023-10-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

I contacted this company letting them know I did not know of this debt or its original collector, I asked them to send me documents that supported the debt that I am not aware of, they continue to report this debt after not sending the documents I asked them to send. This is not my debt and I informed them I was filing a report for Identity theft.
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MT)

I have tried submitting a repayment plan multiple times. It takes took XXXX weeks for the plan to be approved and then it wasn't even applied to my account. I also have my account on auto-debit, but no payments have been taken out of my account. I am trying to pay down my student loans, but nothing about this company is working. I am getting frustrated. 

I have tried submitting multiple emails ( early XX/XX/2023 ) with Nelnet to explain my issues, but haven't heard anything and it's now the end of XX/XX/2023. 

I am concerned that I am going to either be charged the incorrect amount or there will be late fees applied to my account.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent account : 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 : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.