davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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: Lockhart, Morris & Montgomery Inc. (AZ)

have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # XXXX accounts here that are under Identity theft that I wasn't able to add # XXXX, # XXXX, # XXXX. I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2023-10-04
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: ACIMA CREDIT, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-09
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. (MA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$150.00} XXXX XXXX Balance Owed : {$710.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (FL)

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. CAPIO PARTNERS LLC in the amount of {$3900.00}, And XXXX XXXX  in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

CAPIO PARTNERS and XXXX XXXX  have 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, States a consumer reporting agency can not furnish an account without my written instruction 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Consumer complaint received 2024-02-19
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 (AZ)

XX/XX/XXXX, I was notified via my credit monitoring that a charged off account was placed on my credit report from XXXX XXXX. I contacted the collection agency Transworld Systems Inc @ XXXX. They had no information about the account other than they were collection for XXXX and reporting to my credit reports. They said to call XXXX. I contacted XXXX and told them I have never ever had an account with them. They told me that I ordered a headset but refused to provide me any information related to the theft including an account number, where the item was procured from, if it was picked up in a store or mailed. I filed a police report with the XXXX Police Department report XXXX. XX/XX/XXXX, I received a copy of the police report and emailed it to XXXX per their policy. XX/XX/XXXX, I was notified via email from XXXX that they investigated the claim and determined I was not responsible. It is now XX/XX/XXXX and this charged off item is still showing on my credit report, where they stated it would take 30 days to remove me from reporting. I have disputed this item with all 3 of my credit reporting agencies and XXXX verified that the account is valid. My credit score has taken a XXXX point drop due to their negligence and lack of responding to the disputes through the credit reporting agencies.
Consumer complaint received 2024-02-19
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: FC HoldCo LLC (NV)

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX XXXX. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Newport Intermediate Inc. (TX)

XXXX owed me a credit of {$10.00} and provided my refund by a credit card that I had to sign up for and be responsible for fees. They advertised that I could request a paper check on the website which you can not. Customer service was no help referring me to a 3rd party North Lane Technologies Inc. Tried to get on their website and they require me to activate the card which I do not want to do lest I incur fees. There is no human customer service available from this company at the number provided XXXX XXXX or at website XXXXnorthlaneXXXXThis all seems like a scam to sell credit cards that I neither want or need or to avoid providing the credit
Consumer complaint received 2023-06-16
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. (PA)

I reviewed my consumer report and noticed 2 late payments on an account that I was never late for the Consumer Reporting Agencies to assume a vital role and have and have a responsibility to report Consumer information to the best of the ability with Maximum Accuracy. I have never been late on the payments for the account XXXX XXXX XXXX Account # XXXX. Please Investigate and provide Proof with statements showing that these late payments were late. If proof cant be provided I demand these late payments to be Removed or Updated to show that it was never late.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Identity Theft account. Never had a account with XXXX XXXX XXXX. File disputes in 2023 and no response. Did not provide signature proof of allegations of account. 

Account is in violation of FCRA Act and identity theft. Never open any account with XXXX.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (MO)

Online purchase on XX/XX/XXXX, for XXXX jars of skin cream from XXXX. XXXX charges went through on Apple charge card for {$4300.00}. I declined the charges and then I got a call on my cell phone from a man names XXXX ( caller ID said Apple ) and he wanted to help me so he said I am arbitrarily choosing an amount to see if your card is working and he had me put in {$4300.00}. Then he said, don't worry this is not going to be charged to you, I am just making sure your card is working. Then he said, do not access your apple account for 3 days, I then realized he had scammed my account. I have tried with Apple ( Goldman Sachs ) to resolve. XXXX charge in the amount of {$4300.00} was permanently removed. The second charge of {$4300.00} was reversed again today, putting the charge back on my account. XXXX small package was shipped to my home. The invoice is from XXXX and states XXXX sets ( XXXX XXXX XXXX ) were purchased. Invoice total in XXXX XXXX XXXXs XXXX XXXX ( based on exchange rate for XX/XX/2023 {$8600.00} ).
Consumer complaint received 2023-10-11
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: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : mountainamerica credit # XXXX A has violated my rights.

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 an 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. 

beenmorethan XXXX suspectedfraudactivity/any amounts owed have beenpaid off XXXX XXXX  : XXXX  XXXX source of information from : macu
Consumer complaint received 2024-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (LA)

My mother and father passed away and their house went into foreclosure. I want to save the house. I don't want to sell it or lose it to the servicing company. I would get a heloc or refinance, but banks won't help if property is in foreclosure. It isn't my debt but I would honor it. But the company continues to rack up charges to make it next to impossible to get current. How can I stop the servicer and somehow save my parents home. My father was a XXXX XXXX in the XXXX XXXX. I also served in XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, I had entered into 3-year lease agreement and set up automatic recurring payments until maturity. I then extended the lease for another 3 months, but due to a 2-month oversight/miscommunication, I assumed that the recurring payment would automatically continue post lease extension. The end of lease message on XXXXXXXX XXXX XXXX site clearly states that, if youve set up automatic payments, be sure to cancel them after youve made your final payment, contrary to action XXXX has taken to cancel automated payment at lease extension. Also, I have not been alerted via email of a late payment which I would normally receive. As a result, my payment history was flagged as a negative 60-day marker with TCNA and across all 3 credit bureaus, despite the fact that I had brought the account up to date after being alerted by Experian of a 60-day late notice. It is worth noting that I have had a XXXX credit score and a solid payment track record with XXXXXXXX XXXX XXXX prior to this event.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (NY)

XXXX XXXX I deposited a check from the IRS that they sent me from 2021 and due to the delay and other money that I had paid by mistake to the IRS, they sent me a check for XXXX and I went to the bank and deposited it and to this day the bank They have not given me the money, they blocked my account and I sent all the documents that the bank requested and they say that no document says the amount of the check sent, so I called the IRS and they sent me the documents and the bank still says no. see nothing, I can't find what to do anymore
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (MO)

I had requested 3 separate lease extensions from Ally Financial ( lease ended XX/XX/XXXX originally ). It took me 8 phone calls and finally reprinting and scanning in my signed lease extension forms to get the first lease extension until XX/XX/XXXX. I then requested another lease extension as I was going to be out of the country, signed the paperwork sent to me, returned it, and called afterwards to verify this went through. 
I kept paying my monthly payment each month and kept checking my account to make sure everything was ok- each month, I had {$0.00} owed as my balance and the account was in good standing. I then submitted a request for another lease extension in XXXX as the current extension was going to finish in XX/XX/XXXX. Ally again sent me paperwork for another 3 month extension, I completed and sent this in. My lease at this point is supposed to end in XX/XX/XXXX. 
Today, XX/XX/XXXX, I went outside to find my car gone. The car had been repossessed with zero notice, no letter sent, and no update on my account not being in good standing. I was absolutely shocked and called Ally immediately to ask. The first two representatives I spoke with had no clue, as it said my account had {$0.00} due and was in good standing. 
Finally, a few hours later, I got ahold of someone in the Recovery department ( XXXX XXXX and she told me my lease had been overdue for 6 months (!! ), and that was why the vehicle was repossessed. I had zero notice and every time I called Ally or checked online, I was told everything was fine. I had zero phone calls, emails, letters, or even messages/account updates on the Ally website from Ally. This is illegal repossession and a bad practice at the very least. I still do not know how I am going to get my car back, and with the way Ally has done business throughout the life of my loan, I am even less sure that this can be worked out.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MO)

Subject : Urgent Notice Regarding Unlawful Credit Reporting - XXXX FCRA and Identity Theft Fraud Laws Referenced Dear CB/VICSCRT, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the XXXX Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that XXXX, Account XXXX : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ). 

Furthermore, Missouri state law, particularly the XXXX Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for XXXX Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that XXXX, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the XXXX  Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, XXXX  state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that XXXX, Account XXXX : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I recached out to TransUnion to discuss things that should not be on my report. Unfortunately they did not disclose that the conversation was beaning recorded What constitutes consent is also an issue of contention when you are considering recording a conversation. In some states, consent is given if the parties to the call are clearly notified that the conversation will be recorded, and they engage in the conversation anyway. Their consent is implied. For example, we have all experienced calling a customer service department only to hear a recorded voice warning, This call may be recorded for quality assurance or training purposes. It is usually a good practice for practitioners to let the witness know they are recording the conversation to accurately recall and commemorate the testimony being given such as during the taking of a witness statement. I did advise the first young lady that she did not advise me the I was being recorded, and at which the time she began to say sorry. I then ask to speak to her supervisor and her supervisor said the same thing.
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TN)

Requested extension for payments my employment has been affected by the economy. 
extension was denied. I want them to work with me on my payments. Contacting others in regard to my delinquent payments. I am being harassed regarding payments. 
I have been making payments
Consumer complaint received 2024-05-14
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: Yamaha Motor Finance Corporation USA (FL)

A hard inquiry that I didn't authorize which effected my score. This was at Yamaha motor finance Co XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (MD)

I received a visa vanilla {$500.00} gift card in XX/XX/2023 and I try to use it in XX/XX/2023 there was only XXXX cents left. Some one charged {$490.00} dollars at a dollar store in XX/XX/2023. Vanilla customers service gave me 45-90 days to follow up. Still no update on when my {$500.00} will be refunded. 

I see California filed a law suite against Vanilla gift card. 
As a consumer please do something about this credit card company not to secure these gift cards. 
Thanks XXXX XXXX XXXX