davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-31
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: TRUIST FINANCIAL CORPORATION (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My credit score dropped over 100+ points basically over a couple of days. There was, is no activity to justify this but illegal tampering with my credit scores to and credit my report. I believe someone has illegal tampered with my credit scores.I would like an investigation done and my credit scores to be corrected.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (OR)

I HAVE HAD FMC SINCE XXXX -- - BOUGHT XXXX TRUCKS -- - AT THE END OF MY LAST LOAN ON MY XXXX - WAS PAYING IN ADVANCE - AND MORE $ $ PER MONTH TO HELP MY CREDIT FOR TWO YEARS SOLID -- I HAVE XXXX ID THEFT PROTECTION -THE FIRST THING I NOTICE WAS A LATE PAYMENT FOR XX/XX/XXXX -- I WAS PAYING OVER THE PHONE @ THAT TIME -- THE PHONE SYSTEM WAS EXPERIENCING TECH PROBLEMS -- SO I ALWAYS CALL THEM TO KEEP UP DATE -- AND I DID NOT TRUST THE PHONE PAYMENT LINE ANY MORE - BECAUSE I TRIED TO USE AGAIN -- TECH PROBLEMS AGAIN -- -SO WENT ON LINE -- -- KEPT MAKING PAYMENTS APPROX XXXX -- -OR MORE -- -WELL ON LINE SAYS IM LATE -- CALLED -- -ABOUT AFTER THE 5TH CALL AN AGENT SAID " O I SEE THEY WANT A FINAL PAY OFF FOR {$990.00} APPROX -- -- -SO HE WAS TO FAX ME A AGREEMENT TO CONTINUE THE REGULAR PAYMENTS AMOUNTS -- @ XXXX A PRIVET MAIL SERVICE -- -IT WAS BEFORE THANKSGIVING -- I WAITED -- WAITED -- NEVER FAX TO ME THE AGREEMENT -- SO CALLED AGAIN -- -THEN OVER A WEEK WENT BUY BECAUSE OF THE HOLIDAYS -- -- CALLED AND FOUND OUT THEY SENT IT IN XXXX -- I GOT BUT IT WAS TO LATE - THE DOC WAS TIME DATED!! -- THEN I LOOK ON MY CREDIT REPORT XX/XX/XXXX SHOWS A LEGAL ACTION -- THEN A LETTER TO FOLLOW TO REPO MY XXXX FOR {$390.00}! -- -- OF COURSE I PAID IT OFF -- BUT MY CREDIT WAS WRECK -- - AND MY SON WAS GETTING MARRIED AND WAS GOING TO GIVE HIM A CREDIT CARD FOR HIS HONEY MOON AND WAS TURNED DOWN -- -FOR THE FIRST TIME!! THEY DID THIS ON PURPOSE - BECAUSE THEY FIGURED A NEW TRUCK I WAS TO BUY AND IF THEY TRASH ME AT THE END I WOULD GET A MUCH HIGHER % RATE FROM FMC! -- -- THEY NEVER DO SHOW THE LOAN WAS PAID IN FULL ON MY CREDIT REPORT -- -ONLY THE CHARGE OFF!!!!
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/XXXX my account with this bank was brought current. I checked through the automated system to make sure that I had a XXXX balance before the next months billing cycle, which is on XX/XX/XXXX. The amount for XX/XX/XXXX - XX/XX/XXXX should be {$350.00}. I checked through the automated system when I paid my last payment, and also confirmed the amount with a live customer service representative and the amount which was due was {$290.00} remaining for XX/XX/XXXX - XX/XX/XXXX. Then it was paid in two payments, the last amount paid was {$160.00}. The next months bill which I am not allowed to view my account because the password is changed each time I log in or out of the account, is for one month. Not two months. There is also a problem with resetting my password. Regardless that I have entered the correct information for the password reset, the company requires me to call and speak to someone every time I log into my account. I find this to be XXXX harassment and abuse. Illegal collection. I do not owe more than one month for this auto loan for the XX/XX/XXXX - XX/XX/XXXX time period.
Consumer complaint received 2017-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I 'm doing a refinance but a {$100000.00}  HELOC  in   XXXX   is still showing in my title report as an outstanding lien.  XXXX  was  GMAC  and later acquired by OCWEN. Just called OCWEN today at  XXXXXXXXXXXX  but the person said they do n't have a record.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I called Capital One to close my account in late XXXX because we did not want to incur the annual fee of {$150.00}. I originally asked to waive the fee, but they would not do that. Capital One would not close my card and told me I had to wait until the fee was charged and that then, once it posted, I had 40 days to close my account to avoid the fee of {$150.00}. 

In early XXXX, I inquired again about having the fee waived or closing the account. Capital One told me that they would not waive the fee and that I had until XX/XX/XXXX to close the account to have the fee refunded. 

I closed the account on XX/XX/XXXX with a Capital One agent who confirmed I was within the 40 day window to have the fee refunded and that I should pay my full balance less the {$150.00}. She said that within XXXX to XXXX  days the fee would be refunded. She said that she could not apply the reversal of the fee at the time I closed the account. 

It's been nearly one month since I closed the account and Capital One is now charging me interest on top of the {$150.00} that they promised to refund me. Other than that the account is paid in full and has never been late. 

Tonight, I spoke with a supervisor who said he would not refund the fee and now says I closed the account outside of the XXXX window and there is nothing he can do to reverse the fee. 

I'm extremely frustrated as I followed the rules and confirmed all of this on a recorded line on all the phone calls. The agents I spoke with said they documented each call in the notes. 

We want the fee revered and the account will then be at a XXXX balance.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

Date- XX/XX/2022 Amount- {$33000.00} Company - ALLY FINANCIAL This account is reporting inaccurate on my credit report. The date you have for this item reported as a closed account doesnt match my records. I request that you verify the information and remove this account from my credit report as soon as possible.
Consumer complaint received 2022-12-22
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. (NJ)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

The company is reporting on acct which has never belonged to me! They want me to lie and state it is fraudulent when I have no proof that this is not simply their error! I am XXXX as they have been told they are attempting to scare me to pay a bill that is not mine! The amount is minuscule but wrong {$670.00}. This has caused me to be defamed, ruined my credit score and more! They have been rude, lied to me and Hostile! Caine and Werner states they are a collection agency and do not own the debt! I have requested proof of ownership for them to collect, proof of ids used to open acct, proof of all file contents and more! They would be giving me someone else private info but I have t Old then they are wrong and its not mine! So I need to see all to take to court if they do not delete!
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

To : CFPB From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 
I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges. 

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts. 
Hense, the bank also has been charging my Debt based on Identity Theft. 

The Bank never notified me about actions and/or results of their investigations on disputed charges. 
Beginning on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, the bank opened four Different credit card accounts without my consent, and using my identity, I did not use Discover card during those months. 

Beginning XX/XX/XXXX, the cards that were opened are : XXXX XXXX and XXXX were both used at the same time. 
XXXX XXXX and XXXX were both used at the same time XXXX XXXX and XXXX were both running at the same time XXXX and XXXX were both used at the same Finally, some of my disputed bills have been reported delinquent when my account has been in good standing. 

I need your help to resolve these issues. 

PS I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXXXXXX XXXX etc. 

Sincerely. 
XXXX XXXX
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (FL)

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  Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account 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.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (FL)

I am involved in malpractice litigation with this hospital and doctors, you had previous accounts on my credit report that were removed without a problem with an email from a manager with your company stating he would remove all debt accounts related to this institution, could you please remove these last 2 accounts in the amounts of {$1800.00} and $ XXXXwith Credit Management Company. I do not owe them and everything from this facility has previously agreed to remove any accounts from this facility. 


Thank you for your help in this matter!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue. 

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need to have this remark removed from my credit report : XXXX XXXX XXXX EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX I am in the middle of buying a house and this is affecting me
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (CA)

I write in response to a vehicle lease with Mercedes Benz Financial Services, LLC ( MBFS ) account number XXXX. On or about XX/XX/XXXX, I traded this vehicle in at WI XXXX XXXX XXXX and was advised that a payoff quote was received and that payment would be tendered within 7 days to MBFS to satisfy and close this account. As of todays date, MBFS is still reflecting an outstanding balance of {$3200.00} owing on this account. I previously wrote to MBFS regarding this matter, and was advised that this matter would be looked into and resolved. As of todays date, I have not received anything responsive to my request for information. 

Notably, a Settlement Agreement I signed along with the co-lessee on or about XX/XX/XXXX, which also mentioned MBFS as a party, stated that all disputes and issues with this vehicle ( XXXX XXXX ) would settled in full. 

Accordingly, I am hereby demanding that MBFS credit this account the {$3200.00} and close this account and report it as paid in full to all three major credit bureaus.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

my complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  XXXX
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There were MULTIPLE charges to my account that were not authorized by me totaling XXXX. I made a dispute, and within the next couple of days it was denied. Do you guys even do your research? Wells Fargo should be shut down for their deceit when it comes denying claims. Im 100 % sure they dont actually do the research required to make a decision.