davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Obviously I became a victim of identity theft. I kindly ask you to help me because I do not recognize this account. I am requesting that you delete information from my credit report because I am not connected to this account like absolutely. Its for sure not mine. I never signed for or agreed to this. I do not have any contracts or agreements, or documents confirm this item. Please I kindly ask you to take appropriate actions and delete it forever.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (TX)

This is regarding the inquiry from XXXX XXXX on my credit report. XXXX XXXX has sent me a statement explaining that they originally checked my credit then found that this request for credit was fraudulent, and cancelled the order. This information has been sent to Equifax to have them remove this inquiry from my credit report and they refuse to do so. The only way I got this information is because I filed a complaint with you. ( CFBP ). 
All I want is for Equifax to remove this inquiry from XXXX XXXX from my credit report.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. XXXX XXXX XXXX XXXXXXXX was still showing late payments on my credit report in violation of Federal Law. Under the FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Motolease, LLC (FL)

I had leased a motorcycle through XXXX XXXX in XXXX, FL. They go through a leasing company located in CA called MOTOLEASE. After I got the motorcycle in XX/XX/XXXX I made the payments of {$240.00} a month they were directly taken out of my bank account for a year and a half. I then realized my balance was not going down. Mind you this is a used motorcycle. I reviewed the contract they wanted me to pay XXXX $ plus another {$7000.00} after the completion of the loan to keep the bike ( XX/XX/XXXX XXXX XXXX  ). A brand new XXXX bike costs this much! I decided to terminate the lease properly. I handed the papers and the bike back over to XXXX XXXX within 10 days of calling them and letting them know I was going to do so. Now after two years they have not picked the bike up, they put on my credit I owe them {$14000.00} and the bike is in involuntary repossession. I have the paper work, email ( from the manager stating I did my part ) and several phone calls made to Motolease that I had attempted to rectify the situation. Now I can not even get a car in my name because it brought my credit score down so low. when i contacted the manager at XXXX XXXX he stated the bike was still in their shop and not surrendered by moto lease ... .this should not be affecting me i did my part right. Please help me.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$210.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2015-12-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )
Consumer complaint received 2023-04-06
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IN)

I reported to the company Lexis Nexis and XXXX XXXX to remove my information permanently to opt out of their system using the following link XXXX XXXX XXXX XXXX XXXX  Please see the attached screen shot as proof of my submittal.
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (CA)

I took this loan XX/XX/2015. To bein with it is already predatory at 22.5 % interest over 6 years. But i did accept it. I negligently have not been monitoring my loan balance. I realized after 2 1/2 years I have paid {$310.00} of prinicpal. Based on the amoritzation schedule I should be around {$12000.00}. They say interest on late payments has accured. This was not disclosed or explained. Its insane! I am being robed.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (PA)

On XX/XX/2022 I detect several withdrawals from my checking account from the company XXXX XXXX XXXX California, XXXX. These withdrawals was not authorized by me. I called Direct Express on XX/XX/2022 and put in a dispute claim with a representative ( claim # XXXX ). She stated she will pass the information to the dispute department and, that I will soon hear from them. I called Direct Express on XX/XX/2022, I spoke with a representative and she stated paper work regarding my dispute will be sent out to my address regarding this matter. On XX/XX/2022 I called Direct Express to notify them I have not heard nor received any paper work pertaining to the issue. I called Direct Express on XX/XX/2022 spoke with a representative, and I was advised to email a letter about the dispute charges to XXXX. The dates and amounts are the following XXXX {$37.00} XXXX {$43.00} XXXX {$18.00} XXXX {$34.00} XXXX {$22.00} XXXX {$22.00} XXXX {$22.00} XXXX {$29.00} XXXX {$27.00} XXXX {$26.00} XXXX {$37.00} XXXX {$24.00} XXXX {$23.00} XXXX {$27.00} XXXX {$26.00} XXXX {$7.00} XXXX {$31.00} XXXX {$30.00} XXXX {$31.00} XXXX {$31.00} XXXX {$31.00} XXXX {$29.00} XXXX {$26.00} On XX/XX/2022 I received mail from Direct Express Fraud Department dated XX/XX/2022 that the investigation has been completed and there weren't any findings of fraud. Upon receiving this letter I called Direct Express again to re-open the claim and I was informed that I couldn't re-open or file a new claim.
Consumer complaint received 2024-01-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (GA)

I XXXX XXXX am a living breathing man created by God. I hereby in Good Faith am pursuing my right to 15 U.S.C 1635 A ( f ) to Rescind this transaction with Title Max and have the ( Clear ) Title of my vehicle mailed back to me. Amongst the several violations found within this transaction I was not disclosed my right to rescind which is an obligation required under this section together with the statement containing the material disclosures required under the sub chapter. Title Max is also obligated to clearly and conspicuously disclose this information in which they have failed to do so. I am rescinding this transaction as I have been deceived and manipulated into making payments even though the Finance Charge in pursuant to 15 U.S.C 1605 clearly states that A Finance Charge is the sum of ALL charges which also includes the insurance. I am exercising my God given rights and my right to rescind this fraudulent contract as there are many violations within the Truth-In-Lending disclosure ( TILA ) and Fair Credit Reporting Act ( FCRA ). Aggravated Identity theft has also taken place when my vehicle was repossessed from me without my permission from a third-party company in which I am owed compensation for. In pursuant to 15 U.S.C 6802-Obligations with respect to disclosure of personal information. Under subsection ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. This is Identity Theft. Also, according to 15 U.S.C 1692f-Unfair practices-my property is exempt by law from such dispossession or disablement. Under sub section ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or displacement of property has been violated.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

To Whom It May Concern, I write to you with deep concern and frustration regarding the handling of my account by SoFi Bank. It is imperative that you are made aware of the distressing situation I, along with numerous others, have found ourselves in due to the actions of your institution. 

For the second time, I have been subjected to an unjustifiable account restriction by SoFi Bank, leaving me without access to my own funds. While I could somewhat understand the inconvenience of the initial incident under the guise of fraud prevention, the repetition of this ordeal without cause or prior warning is entirely unacceptable. 

The simple act of transferring funds between my own accounts should not warrant such extreme measures. SoFi Bank 's actions demonstrate a significant disregard for customer welfare and basic principles of service. 

Adding to the severity of this situation is the unprofessional conduct displayed by SoFi Bank 's staff. Their rudeness, incompetence, and lack of empathy have only exacerbated an already dire circumstance. I refuse to tolerate such treatment, particularly during a time of genuine financial strain. 

As I face essential financial obligations such as rent, bills, and sustenance, I find myself in a state of vulnerability. How can I justify to my landlord, creditors, and, most importantly, my family, that they must suffer due to SoFi Bank 's incompetence? 

It is evident that SoFi Bank has failed to comprehend the severity of this matter. I demand immediate action to rectify this egregious error. Transparency, accountability, and appropriate restitution are essential to mitigate the anguish and suffering inflicted upon myself and countless others. 

Consider this a formal complaint : Failure to address this matter promptly and satisfactorily will leave me with no choice but to escalate my concerns through additional channels, including the media and legal avenues. 

The responsibility now lies with SoFi Bank to act decisively and responsibly.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUSTMARK CORPORATION (TN)

The mortgage servicer of my mortgage received funds from the Federal Homeowner assistance program to reinstate my mortgage loan on my house XX/XX/XXXX. Received Letter Trustmark on their letterhead stating that I was approved for 3-month trial period plan XXXX XXXX. 1st payment XX/XX/XXXX was told to make payment by XXXX XXXX. I went to Trustmark Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay 1st trial payment for XXXX XXXX, XXXX. Trustmark Bank teller refused to take my payment she said her computer showed payment to be {$1500.00} she was rude began to argue with me. She told me her computer showed the mortgage payment was for a different amount from amount I was paying she could not accept my payment. Returned Trustmark Bank with Trustmark letter showing the trial amount was {$1400.00} XX/XX/XXXX, I was allowed to make the payment. Trustmark Bank has canceled my trial modification because they say I broke the promise didn't receive payment before XX/XX/XXXX I wasn't allowed to make payment. Resubmitted request for mortgage assistance with financials explanation for the payment they received. Received call from XXXX XX/XX/XXXX Trustmark bank collections she was rude, unwilling to assist me with saving my home from foreclosure.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I am a working woman who was in the process to getting approval for a home loan for first time homebuyer which is a new townhouse in construction. At the time my credit score was XXXX and I was approved by the builder for the townhome. During that process I had paid most of my bills accept one which was through PAYPAL/ My Synchrony Bank which is for {$120.00}. I was alerted by the Financial Mortgage Lender regarding this which I paid the whole amount on XX/XX/XXXX. My credit score went down XXXX points. When I paid off the account my credit score went back up to XXXX points. I was asked by my lender at the time if I can request a letter from PAYPAL/ My Synchrony Bank if they can remove the " late account " off my credit report. This would require them to request the three credit bureaus : XXXX, XXXX and XXXX to do this. I received a letter regarding the balance being at {$0.00}, but they would not remove this late account off my credit report to ensure that the account was paid off. This have made it difficult for me to go through the home mortgage process. I have had this same experience with an electrical company which I paid off my account and the company it not remove the late payment off of my record. I need assistance in how to remove closed accounts or paid off account out of the three credit bureaus. I also have my credit score rise back up to XXXX, XXXX and XXXX. Attached are my letter which I ask the PAYPALto remove the late entry. The other letters attached are the response from PAYPAL.
Consumer complaint received 2024-02-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NY)

I was fortunately charged on XX/XX/XXXX of {$100.00} from a fraudulent charge from XXXX. XXXX, Wa. I was told by the go program which is my XXXX XXXX financial institution to obtain a police report which I did. Which in fact the detective told me that the charge on my account was indeed a fraudulent account. I received the paperwork from go program service department on XX/XX/XXXX. They informed me when I originally made the investigation that they would put back {$100.00} onto my card. I sent them the paperwork yesterday and they're selling me that they didn't receive it on time which I have documentation of the XXXX of XXXX. Now they're telling me that it's going to be 45 days for reimbursement. I have attached my identity theft police report and questionnaire and all information to them is needed. It is plain to see that it is fraudulent charge since I did not use the card or had any payment since XXXX of XXXX. They keep giving me the runaround and I need the {$100.00} apply to my card and they are refusing to do so
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have called this company numerous times in the past month. I have asked for a partial Lien release and NO ONE will call me back or call the title company i gave the number and email to. I was told a lawyer would call me and nothing. Title company has called and she ( XXXX ) can not get any turn calls. 
They are breaking the law! My rights as an XXXX!! 
Its against a the law in Texas to place a lien on a XXXX! 
They will not correct the problem! 
This company is a joke and fraud!!!!!!!