davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
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)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I sent 2 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 

2. Failed to provide copy of the original contact bearing my signature. 

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. 

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT 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 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (OH)

Initially when the loan was taken out in XXXX, the loan was not set up for a period of over 2 months. When the bank was contacted it was the loan was not due and the was no monies owed. When the payment was sent in XXXX of XXXX, it started off in arrears as their were 2 payments due. 

Trying to work out the payments to get his paid up, in XXXX of XXXX, the bank stated the amount would be rolled into the end of the loan. This was not correct as interest was continually charged. 

Moving forward to XXXX of XXXX, a payment was made on the vehicle on XX/XX/XXXX and then the vehicle was repossessed for non-payment. The bank stated the payment had not been kept. The vehicle was then repossessed on XX/XX/XXXX. 


The vehicle was set to be auctioned for on XX/XX/XXXX, if the funds were not paid by this date. When calling to get the amount due the total amount was given in the amount of XXXX that was supposed to include all fees. When a bill was sent on XX/XX/XXXX there was a total of XXXX that was now due. The reasoning given was the monies were applied incorrectly and if applied correctly would put the car back in repossession status. I do not feel that the fees should have been assessed over a month later and in XXXX after being told on the XXXX of XXXX that the vehicle was current and no extra fees were due.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

I changed homeowners insurance and received an escrow refund from old insurance company. I have tried calling the mortgage company - Mr Cooper - ( seriously, they are really named Mr Cooper ) at  least a dozen times in the past two weeks, trying to find out how to properly return the money. Just get the automated answer telling me that We are experiencing an unusually heavy call volume, blah, blah. 

Now Mr. Cooper has sent a letter telling me that my insurance has been cancelled and they are fixing to buy their own insurance. I have the new insurance company already working on that. 

Surely a federally regulated financial institution has to answer the XXXX phone. You know what is wrong here?? No one on XX/XX/2008 went to XXXX. 

Can you get them to answer the phone?? 

Thnx XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (AL)

Beginning in 1997 I attended a public university and student loans were an option for financing. Prior to acquiring a XXXX XXXX XXXX degree, the XXXX XXXX Alabama at XXXXXXXX XXXX financial aid office said student loans were easy to repay and the loans had no interest or very low interest rates. I also took out a loan to attend a XXXX degree program at the XXXX  XXXX XXXX and the loan advisor explained that loans would be easy to pay and the most affordable option. 
I currently have loans financed with Great Lakes Loans and/or the US Department of Education, and I think the the Truth-In-Lending Act is not followed by the institutions. The organizations changed interest rates from fixed to variable. If I had known student loans interest rates would be variable, capitalized, and difficult to pay, I would have applied for more scholarships or attended a different program. In my opinion, these changes and proposed changes do not comply with the Truth-in-Lending Act.
Consumer complaint received 2019-03-20
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 — Their investigation did not fix an error on your report
Company: RentDebt Automated Collections, LLC (GA)

XXXX has been non-compliant with removing the unverified account RENTDEBT AUTOMATED COLLECTIONS Opened Date XX/XX/2019 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that RENTDEBT AUTOMATED COLLECTIONS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX and XXXX  are reporting XX/XX/XXXX. Transunion and XXXX are reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX XXXX is reporting XXXX XXXX is reporting it as XX/XX/XXXX. ALso Transunion and XXXX are reporting it as 120 days late but XXXX  is reporting payment status unknown. There are so many obvious FCRA violations
Consumer complaint received 2017-10-13
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)

I had my credit pulled for the very first time in XX/XX/XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.
Consumer complaint received 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I will list several fraudulent hard inquires that I have on my credit report. I will please like to have these hard inquires removed since I didnt authorized them. I placed a freeze on my account but it was accessed via a mobile device without my knowledge, I now have a pin in place. I still receive mail at an address listed on my credit report that I no longer reside at, and a relative of mine does. I do know who attempted to open these account and I will take the proper legal right to address the issue. I do not wish to place a fraud alert on my account since Ive changed my account pin.
Consumer complaint received 2019-03-19
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: JPMORGAN CHASE & CO. (NM)

Hi, Two weeks ago, I reported an account that does not belong to me to Chase, and the FTC identitytheft.gov report for the amount of about {$2400.00} dollars. This account is fraudulent, and Chase has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Consumer complaint received 2017-10-14
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: EQUIFAX, INC. (MO)

I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Equifax credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX on XXXX/XXXX/XXXX 2 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX 3 ) XXXX XXXX on XXXX/XXXX/XXXX 4 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Equifax credit report. 

Thank You For Your Time.
Consumer complaint received 2017-10-14
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: Southwest Credit Systems, L.P. (NC)

I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

My account was paid in full in XX/XX/XXXX. In XXXX I received another bill stating that I owed them another XXXX as a minimum charge I asked what it was for they said it was written in the contract that they could charge this. I told them to cancel my card right then and there. which they did. Ok. so we are now into XXXX I get another bill from them stating that I owed them XXXX. XXXXfor the previous balance and XXXX for fees. Well I did consent to pay this just to get rid of them. But I got another bill in the mail today That is for XX/XX/XXXX Which states that I owe them another XXXX. They charged me another XXXX for a late fee and another XXXX for a minimum charge. This is down right XXXX and I am not going to give them another cent.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

To whom this may concern, On XX/XX/2018 - XX/XX/2018 I visited the NY area to celebrate XXXX with family and friends. On this trip I accumulated toll fees through an auto-mated system that sends bill to address associated with your TAG number. I was very unfamiliar with this new system this being the 1st time I had to use it as Im from North Carolina and we don't have tolls. A couple days after I being searching for their tolls by mail system with no success and could not locate my information in the system, I had not received any notices or correspondence until this day on XX/XX/2018 with my current address and fees and totals in excess of {$750.00}. The original fee 's are displaying under {$60.00} and they are demanding that I pay more than 10x 's the original amount. I called XXXX and XXXX picked up the phone agent IDXXXX and he explained he could not give his last name and could not give me any type of leniency regardless of my situation, I then requested to speak with a supervisor and the phone was disconnect on XXXX 's end. I then called back and spoke with a XXXX Agent IDXXXX, I explained to her that I was in the process of speaking with a supervisor and she informed me that one was not available to speak with me and that someone would call me back. No call back was given and to my belief this company is associated with unconstitutional parcties and prey on customers to make money. I never agreed to any of the following fee 's and I'm now being held accountable for fees totaling just under {$1000.00} which again is 10x 's the original amount. XXXX informed me that my Credit will be hit with a derogatory mark and collections are in progress and not I'm receiving constant notices in the mail.
Consumer complaint received 2023-07-01
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 would like to send my CFPB complaint and I am not swayed that the 2 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Transunion Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting inaccurate information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Balance {$300.00} Opened XXXX. XXXX, 2023 ; XXXX XXXX XXXX XXXXXXXX. XXXX, 2023.
Consumer complaint received 2023-07-01
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. (MI)

Experian XXXX XXXX XXXX XXXX, TX XXXX CFPB Complaint ID : XXXX Its been past 30 days since I disputed a fraudulent item with the Consumer Financial Protection Bureau XXXX Experian has failed to respond within the 30 day time frame. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days and bureaus that fail to meet that criteria can be punished. They must at least respond to the consumer in 30 days, and if they fail to respond in 30 days, the disputed item is required to be removed. 

As a result of your conduct as described above, Experian shall promptly delete the disputed information. Additionally, as per the FCRA, Experian is liable to me for damages to my credit profile. Thus, in addition to Experian deletion of the disputed information, Experian is commanded to send a check in the amount of XXXX payable to the order of XXXX XXXX. Be advised, this is not another dispute letter or opportunity for Experian to reinvestigate the dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law!
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (IN)

I scheduled my monthly payment online, the same way I always do. The day the payment was due, I received an email that said my payment was returned and a returned item fee may have been assessed. On XX/XX/XXXX, I received a letter from XXXX, stating that my payment had been returned due to NO ACCOUNT and a thirty-dollar fee had been assessed to my account. 
I have called multiple phone numbers many times, trying to reach someone to resolve this false charge but nobody answers the phone. They keep you on hold indefinitely, until you give up. I have also tried emailing them through their website, and it says someone will be in touch with me but nobody ever contacts me. They also have an option for texting, and that produces zero results as well. I called their corporate phone number and a receptionist answered the phone, but she said all I can do is keep trying the customer service line. 
I am filing this complaint, not because of the dollar amount, but because this is theft and this bank needs to be held accountable. 
I have read many reviews on this bank and see a lot of the same complaints that I am experiencing. 
XXXX : XX/XX/XXXX - scheduled regular payment online for XX/XX/XXXX. 
XX/XX/XXXX - received email that payment was processed. 
XX/XX/XXXX - ( payment due date ) Received email payment was returned unpaid. 
XX/XX/XXXX - Received letter in mail stating that I was assessed a {$30.00} fee for not having an account.
Consumer complaint received 2023-07-01
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. (MI)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done XXXX attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove these items from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX