davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Dealer Funding, LLC (VA)

DEALER FUNDING is the holder of the lien on the vehicle. On  XX/XX/XXXX  a postal money order was submitted as payment to the company which was deposited on  XX/XX/XXXX . The terms of the payment pursued a renegotiation of the contract which would make that payment handling full satisfaction of the claim. After lien holder deposited the money order, a letter was sent to Dealer Funding explaining the conditions of the renegotiation and their timeline in which to do so. After no response from lien holder, a second payment was made with a second letter still with no response. A third payment was sent but returned then resent again and then credited to the account. The company tried to reach out over the phone to renegotiate but was told to respond through the mail. On Tuesda y,   XX/XX/XXXX , the vehicle, the white   XXXX   XXXX   XXXX   XXXX   and sensitive materials belonging to the claimant were taken from the domicile while everyone slept by   XXXX   XXXX   XXXX  ,   XXXX   XXXX  . The company utilized   XXXX   XXXX   to locate the van The terms of the renegotiated contract were violated and now sensitive materials of utmost importance are within the van in the possession of a third party. Company was instructed not to contact by phone but insisted on calling.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

I have filed disputes regarding the late payments from on my BMW Financial services account. They are saying that a payment was not made but in fact a payment was initiated to them. This inaccurate reporting is affecting my score by XXXX points. This is my last and final attempt to have BMW financial correct the 30 day late before I have to pursue legal action. Thank you.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (IL)

I contacted  XXXX  and Early Warning regarding inaccurate information being reported on my consumer reports by them. They asked me to provide proof of my Chapter   XXXX   Bankruptcy filing and discharge and stated that they would remove the negative marks on the consumer reports. I provided these documents several times and even had my attorney contact them and they have not cleared these reports up for me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (VA)

My wife and I got an auto loan on a brand new   XXXX   XXXX   XXXX  t through Chrysler Capital in XX/XX/XXXX . The amount financed was {$25000.00}. We have been paying for the loan every month since  XX/XX/XXXX  when the first payment was due. The monthly payment is {$550.00} and is due on the  XXXX  of each month.
As of  XX/XX/XXXX  the loan was current however the payoff amount was quoted as {$24000.00}! Of the payments we have made at least 9 of them ( that we know of ) went to interest only! I have been paying on this loan for over 2 years at $  XXXX /month and we only owe {$1000.00} less than when we started.
So on  XX/XX/XXXX  I contacted them to make a large lump sum payment of {$6000.00} to bring down the principal and bring the vehicle closer to its value to attempt to trade it in or refinance the loan. They would not allow me to make a payment online or over the phone by any payment method, for more than {$2000.00}. So I had to pay {$23.00} to have a personal check overnighted to them. They received it and posted it on XX/XX/XXXX  ( before the due date ). I then logged in only to see that of the {$6000.00} on-time payment they applied {$4800.00} to principal, {$1000.00} to interest, and charged me a {$130.00} fee! I immediately called and told them to apply my entire {$6000.00} payment to principal so I could pay this loan down. They said it would take a few days, and they finally posted it to my account on  XX/XX/XXXX .
Today I logged in, and despite paying them {$6000.00}, they are considering my loan past due. As of  XX/XX/XXXX  the payoff amount is {$18000.00}.
I feel we being completely taken advantage of. This was our first loan following a bankruptcy and we are attempting to rebuild out lives. At this point the vehicle is only worth {$8000.00} ( NADA average trade in value ).
At this point I have already been approved by another lender to refinance the loan, however they are not willing to send a payoff of more than {$16000.00} because of the vehicle 's value.
It is not fair that we are being taken advantage of because of a previous bankruptcy.
Consumer complaint received 2023-06-15
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 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 2023-05-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-11-30
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX and TransUnion 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 XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-05-20
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital one and XXXX XXXX XXXX card were paid with agreement to delete the account information, Capital one states a request to delete was sent in XX/XX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Consolidated my loans in  XXXX  ( had  Fedloan Serving  as my servicer since  XXXX  ) Have been on the  Public Service Loan Forgiveness Income Based Repayment pro gram Have been paying my loans with  Direct Deposit  since   XX/XX/XXXX     XX/XX/XXXX   changed my  Direct Debit Amount  and received an email confirmed that it my new application was accepted and that my first payment would be on schedule on XX/XX/XXXX  ; each previous payment was made on the  14th  of the month Received a letter in my paperless inbox in the  Fedloan  Serving System on  XX/XX/XXXX  that my direct debit was accepted but that I would be notified about when my payments would begin and should make manual payments until then.   When I logged into my account on  XX/XX/XXXX ,  my loan balance showed as {$0.00} and my consolidated loan information from  XXXX  had disappeared.   I called FedLoan Servicing on   XX/XX/XXXX   to check what had happened. The customer service representative said she had no idea but that she could notify the consolidation department I would be contacted by the end of the business day. She also said I could make manual payments through them on the phone so my account would n't be Delinquent.   I did not hear from anyone. I called  FedLoan  Serving back today and spoke to a different Customer Service Representative. He said that he also did n't know what was happening and would elevate this to his supervisors to look into. He said he could n't make a manual payment for me because they used the online system. He also said that if my account became delinquent, eventually they could override it in the system since it was due to a glitch on their end. He said to check back in in a week, but that there was nothing they could do until they figured out what happened. Finally, he confirmed that my loan was still there and accruing interest, there was just no way to pay it.     XX/XX/XXXX   my consolidated loan information reappeared, but since I was n't able to make a payment during those days, interest continued to accrue. I immediately made a manual payment, reset-up my direct deposit and called  FedLoan  Serving to check on my payment to make sure it would still count towards PSLF and to see about getting the interest overridden since I had been unable to make a payment because of a glitch in the system.     The women I spoke to did not listen, would not believe me that I was unable to make a payment due to a glitch in their system, and raised her voice to speak over me. Her ID is  XXXX . She insisted that there was no way to get rid of the extra accrued interest even though it was due to their system malfunction.     I would like the interest removed.
Consumer complaint received 2023-05-25
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-03-27
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. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must remove the LISTED account from my file. 
XXXX XXXX
Consumer complaint received 2024-03-27
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-28
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2020-04-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Aldridge Pite, LLP (GA)

Since XX/XX/2016 XXXX XXXX XXXX XXXX XXXX along with their 3rd party  debt collector Aldrige and Pite, LLP have relentlessly attempted to foreclose on my property without the proper authority to do so. 

XXXX XXXX XXXX  XXXX has insisted for years that they are the mortgage servicer for my loan ; and that they work on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX. Whom they purport to be the owner of the mortgage loan and property. Which is not true. 

I contacted the XXXX XXXX XXXX XXXX XXXX and they have told me on three different occasions that they do not own the loan or the property and NEVER HAVE owned the loan or the property. In the state of Georgia ONLY THE SECURED CREDITOR can foreclose on a property. 

XXXX XXXX XXXX XXXX XXXX has stated in several documents that they work for XXXX XXXX XXXX XXXX XXXX  XXXX and that their firm is the servicer on behalf of the owner of the loan/property ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX then hires Aldrige and Pite, LLP to foreclose on the loan. 

I have sent several emails and certified mailing packages to both firms showing that the XXXX XXXX XXXX XXXX XXXXXXXX states that they do not own the loan or the property. Instead of suspending the foreclosure sale to validate their claim Aldridge and Pite, LLP usually attempts to go forward with the foreclosure sale. 

Aldrige and Pite, LLP along with XXXX XXXX XXXX XXXX XXXX on several occasions has attempted to steal my property knowing that either entity works on behalf of the secured creditor and or parties with true interest in the loan or property. 

Aldridge and Pite, LLP have gone as far as submitting themselves into the record of the Bankruptcy Courts on behalf of the XXXX XXXX XXXX XXXX XXXXXXXX claiming to be/represent the XXXX XXXX XXXX XXXX XXXX as legal counsel to lift the stay of federal protection so they can steal my property without representing the true secured creditor. 

Both firms are violating Georgia 's Foreclosure statues as well as the FDCPA, Privacy Act, Bankruptcy Codes and basic Constitutional rights recognized by all courts of law. Their actions in my opinion are criminal. Theft by taking, false representation, misrepresentation and acting as legal council for an entity that does not have interest in the loan/property and the list goes on. 

This is insane. They are even attempting to foreclose once again during a Pandemic. Knowing that neither party truly represents the owner of the mortgage loan. At best this is evil as they are using a vulnerable time for most Americans as an attempt to weaken my ability to fight this WRONGFUL FORECLOSURE. 

In this complaint I would like a response from both parties explaining why they continue to foreclose knowing that both firms do not represent the true creditor. 

Please note all documents to substantiate all claims above are attached. 

Cordially, XXXX XXXXXXXX
Consumer complaint received 2024-03-27
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-27
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX 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