davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NY)

Re : SPRING OAKS CAPITAL LLC XXXX To Whom It May Concern : I am in receipt of your response dated XX/XX/year>, regarding the above-referenced account. While I appreciate the documentation provided, it remains insufficient to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, the bill of sale and assignment documents do not establish a contractual obligation between myself and XXXX XXXX XXXX. I reiterate my demand for evidence of a binding contract, such as the original loan agreement or credit application, as required under 15 U.S.C. 1692g ( a ) ( 1 ). 

As you have failed to provide adequate validation within 30 days of my initial request, I demand that you immediately cease all reporting of this account to credit reporting agencies and remove any negative marks associated with it, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Failure to comply with this demand will be considered a continued violation of the FDCPA and other applicable laws. I will not hesitate to pursue all available legal remedies.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I sent in a letter via certified mail to the XXXX XXXX Bank of America that was received on XX/XX/XXXX at XXXX am. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to Bank of America via priority mail of America requesting my XXXX on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Dovenmuehle Mortgage, Inc. (CA)

Our loan was sold by XXXX to Dovenmuehle Mortgage in XX/XX/XXXXXXXX XXXX The mortgage payment amount included impound amounts. The payment amount as calculated by XXXX was {$3400.00}. This is the same amount that Dovenmuehle stated to us as due on XX/XX/XXXXXXXX XXXX XXXX The first payment to Dovenmuehle was paid on XXXX XXXX XXXX for {$3400.00}. We then received a statement from Dovenmuehle that we were in default as the payment amount was changed by Dovenmuehle to {$4100.00}. We did not have any changes in this period on taxes or insurance. I filed a complaint immediately with Dovenmuehle in XXXXXXXX XXXX XXXX to resolve the matter. Dovenmuehle returned a response in XXXXXXXX XXXX XXXX that they incorrectly calculated the impound amount and that the correct payment is {$3600.00}. The new payment amount was noted and the payment amount was changed in my bill pay. The challenge is that Dovenmuehle charged late fees from the beginning of their error ( XX/XX/XXXXXXXX XXXX  ) and placed the account in delinquency state despite not missing payments and following their instructions as originally requested. The late fees and misappropriation of payment to principal have been ongoing. We have attempted 3 times to resolve the matter with Dovenmuehle to no avail.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to dispute the validity of the debt associated with the account referenced above. Pursuant to 15 USC 1692g ( a ) ( 2 ), I request that you provide me with the name of the creditor of this account. Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I request detailed information regarding the alleged debt, including the amount owed and how it was calculated. Account Details : High Balance : { {$23000.00} } Last Verified : XX/XX/2024 Date of Last Activity : XX/XX/2024 Date Reported : XX/XX/2024 Date Opened : XX/XX/2024 Balance Owed : { {$10000.00} } Closed Date : XX/XX/2024 Account Rating : Derogatory Account Description : Charged off as Bad debt Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Collection/Chargeoff I am also requesting validation of the amount of the alleged debt as per 15 USC 1692g ( a ) ( 1 ). Please provide a breakdown of how the amount was calculated, including any fees, interest, or charges applied. Furthermore, I request that all reporting agencies associated with this account provide verification of the debt. I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect full compliance with the law. Please note that this is not a refusal to pay, but a request for verification under the FDCPA. Until this matter is resolved and the debt is verified, I request that all collection activities, including reporting to credit bureaus, be suspended. I appreciate your prompt attention to this matter and expect a response within 30 days as required by law. Failure to provide the requested information within this time frame will result in further action to protect my rights under the FDCPA.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On XX/XX/year> I paid off my auto loan in full. Three weeks later I had still not recieved my title. I called and asked the status. They informed me that the dealer never sent the title to them which i knew was not correct as I was able to register and plate the vehicle within a week of purchase. I humored them and called the dealer whom confirmed my previous suspisions. I called them back and told them. They then switched the story and said that the lost the title and had to file for a duplicate. They said they should recieve the duplicate within two weeks and they would expedite it to me. Two weeks later still no title. I called again. They said the same thing again about the title was lost and that they were waiting on the replacement. It is now over two months since I paid of the loan and I still do not have a title. I called twice this week asking to speak with a supervisor and they transfer me to a voicemail and tell me someone will call back by end of business day. Today, XX/XX/year>, I requested the release of XXXX so that I can file for the duplicate through the XXXX XXXX. They told me they would fax the release of lein within an hour. It has been XXXX hours with an additional follow up call and now the supervisor, who still has not returned my calls, has to sign off on the release. I will also now have to pay approximately {$50.00} in additional title fees if i ever get my release. I have gone to the XXXX to see who holds the title to the vehicle. They say it was mailed to a Credit Acceptance XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

On XX/XX/2024 I went to the XXXX XXXX XXXX XXXX XXXX 
Prior to performing the service, I confirmed the charges, i.e according to the Insurance company, I am responsible for 10 % of the charges and they agreed. But after the service, they charged {$1000.00} Instead of {$100.00}. When I questioned, the lady at the front desk told me that she doesn't know how to refund it. The person who does it was out for lunch. 
Immediately, I called Discover card about the transaction and they asked me to complaint after receiving the statement. I did complaint and they gave me credit. but after a few months, the charged it to my account. 
I explained and provided all the proof to discover card, but they didn't correct it and still charging me every month with interest. 

I request your help with this matter to correct as early as possible
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (AR)

I was going through my bank statements when XXXX realized there were a couple transactions I didnt recognize and contact current bank and told them I wanted to file a dispute for those unauthorized purchases I didnt make. and I also dont own a XXXX XXXX and I also contacted the merchant which they told me that I couldnt get a refund or wasnt eligible for it.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (SC)

On XX/XX/XXXX, I had made my last attempt to obtain validation of debt from Cavalry, for a collection item they are reporting to my credit bureaus. 
I just spoke with XXXX XXXX from XXXX, to recap my conversation with them on XX/XX/XXXX. She confirmed that the representative that handled my dispute, coded it, requesting the reporting agency, ( Cavalry ), present and send verified account details & account history. This was never received by them or myself. Cavalry continues to report this to my credit bureaus.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I have a high yield savings account with Marcus by Goldman Sachs. I have been trying to withdrawl my {$3200.00} from my Marcus account and they keep denying it. I have tried 3x a day for a week. Marcus state they arent allowed to give me a reason. I have been transferring my military paychecks into this high yield savings account. Marcus is fraud and isnt giving me my money back. 

XXXX XXXX XX/XX/XXXX i have been on the phone and in chats with proof with Marcus .

They still havent given me an answer on transferring and closing my account
Consumer complaint received 2024-10-25
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

Company is reporting incorrect debt amount I told them that I do not owe this debt and to stop communicating with me and they still continue to do so.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I want to bring to your attention the Inaccurate reporting thats being furnished on my consumer report by the credit reporting agencies. These accounts that are being reported is 100 percent Inaccurate. And they should be removed immediately. 
Thank you.
Consumer complaint received 2024-10-08
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-10-08
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-09
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. (PA)

This morning, I was stunned to see incorrect accounts on my credit report. I have no idea how they appeared, as I checked it just like I always do. After refreshing the browser, hoping it was an error, nothing changed. Im really hoping that the documents Ive sent will be properly reviewed to prevent this from happening again.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed that unauthorized inquiries are showing up on my credit report this morning, and I do not know why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The unauthorized inquiries were not removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent be checked thoroughly so I can never worry again about this.
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company has been attempting to collect on a debt that they have been told and know is the result of identity theft. They engaged in intimidating and threatening tactics ; they filed a bogus lawsuit, cornered me into a courthouse conference room, and coerced me into agreeing to pay them or else be found in contempt of court. After all of their cunning maneuvers, summary judgment. They're using their lawyers as weapons ; I surrendered to their demand in part because I couldn't afford legal representation, until I found out that I have a powerful recourse with the CFPB. They forced me into entering a complex stipulation under duress to pay them thousand of dollars ( about {$5000.00} ), knowing that the debt was fraudulent. Now, they are harassing me for more money.