davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (FL)

Subject : Dispute of Alleged Deficiency Claim and Violation of FDCPA and FCRA Dear Sir/Madam, I am writing to formally dispute the claim of deficiency listed on my credit reports in relation to the repossession of a vehicle by XXXX XXXX XXXXXXXX XXXX as well as to report a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, XXXX XXXX XXXX  repossessed the vehicle in question in the State of Florida and subsequently sent it to auction for resale. According to the laws of the State of Florida, as well as the relevant statutes such as the RISA and MVISA, a deficiency claim can only be valid if all necessary notices were provided in a proper and timely manner, and if the allowable redemption and cure time limits were strictly adhered to. 

To ensure the validity of the deficiency claim and the legality of the resale process, I requested XXXX XXXX XXXX to provide copies of the legal notices as well as proof of the commercially reasonable manner of the resale of the subject vehicle. However, despite the aforementioned requestXXXX XXXX XXXX XXXX has failed to furnish any such evidence within the designated time frame of 14 days from the receipt of my notice. 

Based on the lack of response and supporting documentation, I hereby assert that the alleged claim of deficiency is null and void. Any continued collection activities or reporting of this invalid claim on my credit reports would constitute a violation of both the FDCPA and the FCRA. 

I want to emphasize that I am committed to exercising my rights under the FCRA and seek appropriate recourse for any violations. Therefore, if XXXX XXXX XXXX singularly or severely fails to comply with the aforementioned requests, and if they persist in listing the disputed item on my credit report, I reserve the right to pursue legal action to seek damages against all parties involved. I am prepared to sue for actual damages and declaratory relief under the FCRA, utilizing all available State and Federal statutes and UCC-9 remedies. 

I prefer to resolve this matter amicably and avoid litigation if possible. However, I will not hesitate to use the courts as necessary to enforce my rights under the FCRA and seek the appropriate remedies. 

Enclosed with this letter are copies of the relevant documentation supporting my dispute, including the notice sent to XXXX XXXX XXXX requesting the legal notices and proof of the resale process. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter to ensure compliance with the applicable laws and regulations, and to protect the rights of consumers like myself. 

Thank you for your attention to this dispute. I look forward to a prompt and favorable resolution.
Consumer complaint received 2023-01-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

Right before Covid hit we submitted all the documentation to refinance and lower our interest rate with Flagstar. We received the approval and all the paperwork from Flagstar and continued to pay our mortgage payment at the new lower rate. Almost one year later we were notified that XXXX XXXX had rejected our refinancing and kicked the refinance back with no explanation. Also during this time we were furloughed for a few months due to covid so started a forbearance plan. As soon as we were back to work we resumed payments but now they were at our original higher mortgage payment. Now they are saying we are delinquent for the months of the forbearance PLUS the difference for the whole year we were paying the lower mortgage amount that they approved. We have spoke to their loss mitigation department to try to arrange a modification for the overdue balance. Originally they stated we were fast tracked for a Disaster modification plan and we submitted all the paperwork which is attached. After almost a year of still making our monthly payments now they say we have to submit another application for loss mitigation. We do not have a lump sum to pay back what they are saying we owe. All we want is a repayment plan or a modification- we have proven that we can successfully pay our monthly amount, but we don't think we should be punished for not being notified for over a year that our refinance was kicked back. The constant calls and letters with no help but threatening of foreclosure even though we are paying our monthly payment are very upsetting and stressful. We just want a resolution to this matter which has been going back and forth for over a year.
Consumer complaint received 2024-04-03
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. (NY)

After closely reviewing my most recent credit report, I've noticed discrepancies that require immediate attention, especially concerning this particular account : XXXX XXXX XXXX XXXX. 

Ensuring the integrity of my creditworthiness is paramount to me, and I'm greatly troubled by the compromise of my credit report in this regard. I have confidence that you will address this matter with the urgency it demands and swiftly correct the situation.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (NY)

My vehicle was repossessed by GM Financial on XX/XX/2023 at XXXX. I was only XXXX  days past due and was planning to make a payment on XXXX XXXX. 
I was at home, vehicle was in the driveway and heard my alarm going off. I went outside and there was a stranger trespassing on my property and telling me that he was sent there by GM financial to repossess the vehicle. 
I don't appreciate GM financial giving my PII to a random person without my permission and I don't even give guys that I'm dating my address.
Consumer complaint received 2022-12-07
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. (GA)

This really needs to stop! Transunion is going to all lengths to make a profit. A company doing a soft credit pull does NOT validate an account. Transunion and the companies that have paid them XXXX XXXX and XXXX XXXX XXXX has not validated the accounts. Transunion has been advised of this several times and has refused to provide validation. They are required to do so and has refused.These deragatory accounts reporting is falsely representing me as a customer to current and future creditors. It's also damaging for my mental health. It's my understanding each credit bureau is provided the same exact information when the bureau has been PAID to report the account. I have informed you Transunion, XXXX and XXXX has removed the SAME account you are reporting as derogatory. If each credit bureau XXXX, Transunion and XXXX is provided the same information how is it you " claim '' the account is verified? Are you saying you Transunion is the only reputable credit bureau? Please tell me why if you are claiming these accounts are verified why is it so hard to receive validation from Transunion and the companies that have paid you to report them? I have written to Transunion, XXXX XXXX and XXXX XXXX XXXX. I did NOT receive any responses from XXXX or XXXX XXXX XXXX. Again, I have informed Transunion of this and Transunion has did XXXX. Transunion is NOT abiding by the law and has continued to violate my consumer rights! These accounts have NOT been validated therefore they should immediately be removed! I have requested FACTS and VALIDATION Transunion again I ask please provide. I have not received anything from neither company. Alot of time has passed by and my credit is being affected. I have not received a thorough investigation it's more than likely processed by a machine or an overseas overworked employee. It doesn't make sense how I can contact Transunion each time to request information and the response is " verified '' or it'a a stall tactic. Transunion stall tactics as follows ... We are unable to verify your identity we received contact on what we think may be a XXXX party. We have verified the account. The latest I just received an email you received my request to cancel my dispute.How?????? I am and always have contacted Transunion on my own. How is it you are unable to verify me on a dispute but there's no issue with verification to send a full credit report to me with all my information? That doesn't make sense at all! The fake concern is a stall. I have NOT requested no dispute to be canceled I will update a copy of the last 2 letters I sent to Transunion as well as a screenshot of the email I received Transunion claims I requested to cancel the dispute. I did not request the dispute to be canceled. These accounts need to be removed IMMEDIATELY!
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 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 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 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. 15 U.S.C 6802a Section States : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S.C. 6802a ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 15 U.S.C. 6802a ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S.C. 6802a ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S.C. 6802a ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C. 1666b ( a ) Time to make payments : Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 15 U.S.C. 1681e ( b ) Accuracy of report : Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-08-22
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. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

Ally Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with [ Bank 's Name ] during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. 

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation.

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-22
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXS XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2020-01-15
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: CITIZENS FINANCIAL GROUP, INC. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I called XXXX/corelogics after recieving my consumer disclosure report, XXXX 's agent on the phone put me on hold for a unreasonable amount of time while I was wanting to dispute an address on my consumer file, that I have never lived at, after waiting for more than half hour on hold, I decided that it was best to hang up and make a complaint. XXXX needs to remove this address, it not an address that I have ever lived at. Please remove this address immediately as it is impacting me negatively.
Consumer complaint received 2023-08-22
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. (GA)

I reached out to the 3 major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I have a few incidents with Wells Fargo that they have taken money for overdraft fees, where I have money in my account.

One of the last times I spoke with them, They stated that you don't see your account like we do. I stated that I see my available balance is positive so there should be no charge. 

In the passed month about {$400.00} passed 3 months closer to {$1200.00} over the passed year it has been more than {$1200.00} I have a further complaint, when I opened my account with them. I opened a prepaid secured credit card and the {$500.00} that was put into that account was never put in. 

They sent me a letter saying I opened a credit card with a {$0.00} balance. 

If contacted I will gladly turn over more inforation like printed bank statements.
Consumer complaint received 2023-05-17
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This complaint is my Follow-up to make sure that the disputed items in my credit report are deleted entirely for they are fraudulent and erroneous. Kindly delete the following items : 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (NC)

I have had a installment loan with Lending USA for over 42 months and have paid on time. I have never been late on this payment not XXXX single time and have the payment receipts online to show. They are now reporting that i am XXXX past due which is adversely affecting my credit and the inability to close on a mortgage at the moment for my family. They have refused to look into this error and i need this done immediately as the records will show the payments were made sufficiently.