davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the XXXX pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (AL)

First I dont know this company and never had dealings with this company before nor did I give this company my personal information. The company is called Transworld Systems Inc. and they have been reporting on my credit report. Im not sure how this company obtained my personal information but I want them to stop reporting on me without my permission. Please assist me with a solution
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

What is the FCRA 15 code 1681n? 
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MO)

Toyota Financial Services sent me a bill for my monthly payment. It was over my current monthly payment, so I canceled the one I had scheduled and scheduled a new payment that would cover the cost. TFS states I canceled my payment for XXXX, when it was for XXXX when I originally canceled it ( see attachment ). TFS charged my bank account for both payments ( {$400.00} for XX/XX/XXXX and {$450.00} for XX/XX/XXXX, a total of {$850.00} ) instead. I attempted to reach them through their customer service, which was no help, as it continued to send me back to the original automated message system. I contacted XXXX XXXX, who said I could contact TFS through their website. However, I have heard nothing back and my bank has put a NSF fee on my account. I have never had any problems beforehand, but I am very careful about how much I pay and when.
Consumer complaint received 2024-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (CA)

Attached XXXX XXXX letter demanding missing monthly statements, XXXX XXXX. Attached several XX/XX/XXXX demands for missing statements, corrected statements, terms and conditions which apply from loan origination XX/XX/XXXX. Demand that XXXX observe these terms, conditions, promises, etc. 

The unmarred forward motion we enjoyed on our HELOC since XX/XX/XXXX was interrupted by XXXX  on XX/XX/XXXX. XXXX 's autowithdraw interest payments, and my principal reduction payments were handled with professional precision by XXXX XXXX XXXX XXXX, always. Never a single error or misapplication of funds. In contrast, the constant barrage of fraud, ignorance, indifference and abuse by XXXX and more specifically, it seems, by XXXX has likely contributed to my wife 's breakdown in Fall XXXX, and XXXX diagnosis in XX/XX/XXXX. She was born in XXXX, when phone numbers were one digit or two. She has suffered endless abuse for hours on end with " Customer Service '', attempting to rectify XXXX repeated blunders. For months, all she asked for was to fix the mistakes. Now, I am asking for significant restitution be paid, for complicit, prosecutable fraud, misappropriation, breach of contract, breach of terms of service and assorted other displays of criminality by XXXX XXXX and others at XXXX.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

My lean holder on my mortgage ( Specialized Loan Servicing ) sold my note to XXXX. 
I had my mortgage on auto withdraw from my bank. Somehow it it stopped being auto payed so I called and made a payment asking when I could reenroll. They said wait. Another month went by and i made another payment and finally got it back on autopay. 
I was never late, they are the ones who dropped the ball with my autopayments. Now they are reporting to the credit agencies that I'm XXXX months late and I'm not. 
Please remove this from my credit report Thanks XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have an apartment listed on my credit report that I never had or applied for. I have gotten this information removed from my XXXX and XXXX report. Experian has not deleted it even after my dispute. I purchased a home in XXXX on XX/XX/year> yet there is an apartment that was put into my name which I had XXXX reason to rent an apart when I had literally just purchased a XXXX bXXXX XXXX XX/XX/year> was my first year even moving from XXXX to XXXX. This does not belong to me
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (TX)

Received a letter from " XXXX XXXX XXXX XXXX XXXX. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, 2024. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by XXXX based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (FL)

XXXX XXXX XXXX is trying to collect debt of {$550.00} that I am unaware of. 

My credit report says the debt originated from ADVANCE AMERICA. I can only assume it's for a loan but I never took out a loan with ADVANCE AMERICA.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: RockLoans Holdings LLC (LA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX ROCKETLOANS XXXXXXXX XXXX XXXXXXXX XXXX Fl. 
XXXX, Michigan XXXX Account : XXXX Notice to agent is notice to principal notice to principal is notice to agent { RocketLoans # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report at { XXXX, XXXX, XXXX }. 
You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted. 
15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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. 

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at XXXX. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { ROCKLOANS XXXX XXXX } from my consumer reports. 

XXXX XXXX XXXX. 
_________________________________ Without Recourse XXXX XXXX - XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OH)

My card was authorized {$56.00} by XXXX for a home delivery order. They always authorize more than the amount of the order in case there are substitutions. The actual charge was put through on the samei authorization of {$56.00} but the actual charge ended up being only $ XXXX they are holding the {$56.00} and have collected the {$43.00} on top of that XXXX XXXX sent me a notice sayig the actual charge was updated from XXXX to {$42.00}. I have the transactions on my account for both amounts and they are talking to me about disputes and {$12.00} charges from XXXX that don't exist. They tell me the auth will fall off but it should have been resolved when XXXX put the charge through on the original authorization. Their cusstomer service is terrible with canned responses and no help.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

has violated my rights. Or list of inquiries 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 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Hello my name is XXXX XXXX XXXX. I have file dispute against this company called LVNV Funding LLC Account No. XXXX on XX/XX/year> and I did another dispute on XX/XX/year> I have explained to the credit bureaus to XXXX this account was not authorized by me of whoever was using my information did not match the address, and I have tried to explain to XXXX that this account is not mine and they refuse not to remove it from my credit report I was going back XXXX forth with XXXX with my dispute letters and also made a police report that this account LVNV Funding LLC # XXXX is not authorized by me. And also I was checking I have ask them to please remove the names as it show two name and two same address This is my legal name : XXXX XXXX XXXX This is my address : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Im afraid that I might be subjective to identify theft. Im requesting the following information to be remove from my credit file. 

Thank you.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

This company sold my information to an unknown company that harassed me for money, also according to 15usc 1692c ( c ), 1692c ( b ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such deb, which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

I am filing this complaint dating back to XXXX to present. On XXXX I had been in an accident and was hit by a deer. I filed the accident with my car insurance, XXXX, I had also found a body shop who was ready to fix the damage in XXXX of XXXX. When I received the insurance check of XXXX I went to the bank to deposit the check to pay the body shop. I had never dealt with insurance check before and I had thought that was the appropriate way of handling things. Once I placed the check into the ATM on XXXX, a hold was placed on the check for missing an endorsement from my XXXX, XXXX XXXX XXXX. On XXXX the funds were taken out my account for lack of endorsement. I NEVER had access to any of the funds. I contacted XXXX and XXXX XXXX stated the funds had cleared from their account on XXXX and no refund to them from Regions has been made. I have been in contact with the Branch manager, XXXX, at the XXXX XXXX XXXX in XXXX, TN multiple times and haven't gotten a clear answer on why the funds are not able to be released back to XXXX. I used to bank with Regions and do have a joint account balance with my husband of XXXX that has since been shown on my husbands credit report. I have asked XXXX if I were to pay the remaining balance due if the check could be released and he stated, ' I do not know. ' I am unsure why this insurance check is being held in an internal account as I have been told. My vehicle has been completed and ready for pick up since XX/XX/XXXX. I am currently without a vehicle as my 2nd car is no longer drivable. The body shop has stated they will start charging a daily storage fee as it has been 90 days now. I have done everything to try and resolve this matter and I am just wanting my car back.
Consumer complaint received 2024-06-04
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. (TX)

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX5 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 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX I just spoke to Wells Fargo Mortgage regarding the following : I own a home that has only my husbands name on record. My husband passed away XX/XX/XXXX, from XXXX. The home is in my name with the county, city and state records after probate. Wells Fargo will not let use the Internet or receive information other than paper mailing, which is still in my deceased husbands name. 

I received a letter ( that was very condescending ) stating I could still keep the loan on that property, keep the same interest rate, etc. but I would not be able to use the internet to access information and all communications would be by paper mail unless I assumed the loan. 

Today I called he telephone number for the Wells Fargo mortgage assumption department given to me in the letter. I was told to assume the loan in my husbands name that I would need to provide my income history, have an excellent credit score ( mine is over 800 ), and pay closing costs. I asked for an estimate of cost for closing and was told these amounts : Credit Report {$18.00}, Texas Doc Fee {$100.00}, and get this a 1 % of the loan Wells Fargo fee which would be $ XXXX. I stopped the agent then and said thats over {$1000.00} plus any other fees Wells Fargo Mortgage charges. No, thank you. 

She then said since the property was in my name I could refinance with Wells Fargo Mortgage, again a range of fees. I said, no, thank you, as I can refinance at any other mortgage loan company, possibly without closing costs, as the value of the house is 3-4 times the value of the current Wells Fargo Mortgage XXXX 

I think it is despicable that Wells Fargo Mortgage uses a widows circumstance to make money for only to be able to just be online with the mortgage account. 
I have had other situations with Wells Fargo Banking that would not have happened with XXXX with whom I bank with now. I have my friends and family tell me they do not like Wells Fargo and in fact just found out recently my granddaughter-in-law left Wells Fargo Checking and joined XXXX banking services. 

I will copy this information and distribute it to where ever I can find a site that critiques Wells Fargo. 

Thank you for your time and consideration. 


XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NC)

JEFFERSON CAPITAL SYST has constantly reached out in regards to a collection, that was fraudulently opened under my name.

I am aware that this is a collection company and i am not even sure what type of account was opened to begin with.

I never authorized this account nor opened up this account that is now showing in collections on my credit report.

I have filed an FTC report on the matter on XX/XX/year> I have also mailed out dispute letters regarding accounts fraudulently opened under my name to all three bureaus XXXX, XXXX and XXXX.
Consumer complaint received 2024-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (DC)

For Heartland ECSI, their payment handling systems add fees that are nonsensical. I went to pay off the last ~ {$60.00} of my loan, and was almost hit with a {$3.00} fee for paying from my bank account. 
Upon further review, they waive fees for recurring payments, but not for one-time payments ( even if to pay off the entire balance ). This is very frustrating & predatory.