davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXXr under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all XXXX consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made 2 cash deposits at the ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 in the afternoon sometime. 
The first deposit of {$1000.00} went in fine with out trouble. The 2nd deposit of {$840.00} did not show as being counted or put in to the account. I immediately talked to a XXXX who was standing there and she said to call the number on the Atm and file a claim. She said the Atm is reconciled twice a week and was reconciled earlier that day, and would not be reconciled again until the next Mon. or Tue. I called and filed a claim. I have called several times and asked for updates. Today I got a message that said the the investigation to my claim was inconclusive. 
My claim XXXX XXXX XXXX  The Atm XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy 'XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (AZ)

I was approved for a loan for central AC installation. The amount financed was {$7500.00} at 12.99 % APR with automatic payment withdrawal from my checking account. I received a TILA disclosure from them on XX/XX/ showing the loan term of 12.99 % and payment of {$110.00} per month and a finance charge of {$6000.00} with the first payment due XXXX 

On XXXX  I received a " welcome letter '' from them stating that my APR was 12.99 % and my payment would be {$110.00} per month with a finance charge of {$6200.00}. 

On XX/XX/ I sent an email to them pointing out their mistake. The welcome letter finance charge and payment actually reflected an APR of 13.49 % That same day I received an automated response with a case number and that someone would be in touch shortly. 

I contacted them by phone a few days later and was told that yes this was a mistake and would be fixed before my due date. 

I contacted them again on XX/XX/ to ask about an update. I spoke with a gentleman who told me that " calling everyday is not going to resolve this any faster '' He also stated that my calculation was wrong and that the payment and APR were correct on the welcome letter. At that time I informed him that I would be filing a complaint with the CFPB to which he replied " go for it '' I hung up after that.
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NJ)

On XXXX XXXX XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to rushmore servicing.up to that date my loan was up to date at 2 % monthly payments XXXX XXXXXXXXwhen my loan transferred a illegal increase to {$1500.00} in monthly payments from illegal escrow charges for tax and insurance when these are included in my monthly payments.the letter attached clearly states the transfer does not affect any term or condition. My loan was not modified in any way. On XXXX XXXX XXXX all my arrears were paid and my mortgage reinstated and paid up until XXXX XXXX when my mortgage was transferred to the same company with illegal fees and charges breaching mortgage that was in place
Consumer complaint received 2023-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My loan was recently moved from XXXX to Citizens. I am behind on my mortgage. XXXX was trying to help me, offered a payment plan ( doubling my monthly payment ) but at least it was something. Citizens will not help me and is forcing me into foreclosure. I called them and offered to send $ XXXX today, total with fees due is $ XXXX. They will not take less than $ XXXX and as of XX/XX/XXXX they will not take less than $ XXXX. They offered me to apply for a loan modification program, but I was denied by XXXX. I don't need it modified, I just fell behind due to a loss of employment/income/covid and now they will not help me. How is this legal? I am going to reach out to my senator and congressman also. This should be an illegal practice. I am offering to pay 58 % of what is outstanding and they will not take it? Also when I call I am speaking to people in call centers outside of the US. Also I am getting letters from XXXX XXXX XXXX XXXX ( certified and regular mail ) stating my file is with them and I should call them. I called them on XXXX and didn't hear back. I called Citizens and they acknowledge this is a firm they use, but my file is not with them and I should not pay them. Is this a SCAM? XXXX is demanding payment and foreclosure via email, which Citizens says my file is not in foreclosure. I reached out to the XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and this past Thursday and no response. email I am using is XXXX. 

At this time, I would like the bank to accept my payment of $ XXXX and work with me on the balance due. I can afford to stay here, I am not sure why the bank will not help me. They are forcing me to start a modification process which they will not approve in the end.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
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: FORD MOTOR CREDIT CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc. (MN)

My apartment in XXXX, Nebraska has a leasing agreement with XXXX XXXX. When I moved out- under my lease agreement I was to leave the equipment at the residences. Which is exactly what I did. Appartment XXXX sent me to collections for {$140.00} for unreturned equipment. It was originally {$200.00} but they used {$56.00} of credit on my account towards it. I did not find out I was in collections until XX/XX/2023. Looks like it was posted to my credit on XX/XX/2023. 

On the morning of XX/XX/XXXX, I got a written letter via email from my landlord stating they have a lease deal and no equipment was to be returned. Additionally, I called XXXX and let them know my situation. They stated that they never notified me about any unpaid amounts due to equipment. They were going to reach out to their equipment team to see if they could resolve it. 

I got an email on XXXX saying that my " equipment '' has been returned. Basically they nulled the credit to my account. I also went to XXXX online chat support on XX/XX/XXXX to get written proof from the chat transcript. They let me know that the charges have been rectified and that I would be receiving a {$56.00} credit for the incorrect equipment charge that was taken from my credit. 

These charges have already been sent to collections and my credit dropped nearly XXXX points. I need help getting this off my credit. Can XXXX reach out to the collectors to rectify this? Additionally, I have disputed collections with the creditor and the 3 credit bureaus via online. Any help and consideration to fixing this would be greatly appreciated. 

Thanks, XXXX
Consumer complaint received 2024-03-29
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. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX # : XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX XXXXXXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with XXXX XXXX XXXX XXXX  and can legally not be reported. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXXPAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXX ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2023 I was purchased used car from XXXX XXXX XXXX in state of California and charged additional services and fees. This two businesses work together to rip off customers. 
XXXX. XXXX XXXX XXXX for amount {$1500.00} XXXXXXXX XXXX XXXX XXXX amount of {$1200.00} XXXX. ALLY WINDSHIELD amount {$1100.00}. and none of it I ask for. And XXXX issue was my credit score was XXXX and I get 9.79 % while promised 7 %. 
Please help.
Consumer complaint received 2023-03-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Request Home Modification itemization of charges to justify loan of {$730000.00} from current service provider Mr.Cooper. I was told by XXXX representive is that a breakdown of charges would be sent to me, and I never received it. when original loan amount was {$520000.00}. Request itemization charges for additional loan amount of {$220000.00} added to my original loan. My current service provider Mr.Cooper do not have itemization of charges from the modification on loan and transferred paperwork from previous provider XXXX shows loan was {$560000.00} when transferred to Mr.Cooper. XXXX and Hope counselor do not have itemization of loan modification either.
Consumer complaint received 2023-01-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was Contacted by Bank of America sometime in XXXX about my XXXX 's past due XXXX XXXX bills. 

Initially, in XXXX Bank of America contacted me and my granddad 's sister and notified us that my granddad 's car was on their repossession list. My grandfather is an elderly man with XXXX and I have been acting as his representative since approximately XXXX of XXXX. Bank of America wanted to know where the car was and if anyone was driving it. Prior to receiving the calls from Bank of America I had been sending in monthly payments to Bank of America on behalf of my grandad, but I had lapsed during the summer of XXXX. After starting to receive the debt collection calls from Bank of America again in XXXX I started sending in payments again to try to bring the account up-to-date, despite this, Bank of America still continued calling asking to speak to my granddad XXXX, but he XXXX not answer any of their security questions due to his XXXX so they could not provide him with any information as far as his auto loan was concerned. Bank of America did allude to me that the payments that I was sending in were not enough and that they needed to speak to my granddad. They would not provide me with any information as far as how much was due or how much my granddad was behind. Sometime in XXXX I was able to reach someone at Bank of America who provided me more information after I faxed in my Guardianship paperwork to her. She could not provide me with any information over the phone, but she told me that she would mail in a payoff amount. She was not able to provide me with a statement of accounts. 
The payoff amount was submitted but no title was received. The title was not released. 

I contacted Bank of America at approximately XXXX on XX/XX/XXXX to see what was the hold up on mailing the title and an agent there told me that they had no record of the payoff letter and to fax it in to them. I faxed it in at a local Bank of America XXXX in XXXX, Ohio that same day. 

I called on XX/XX/XXXX at approximately XXXX to follow up and an agent at Bank of America XXXX me that the payoff letter was a mistake and that they want more money and will not release the XXXX until they receive it. Bank of America is essentially holding the title to the car at ransom, changing up their terms, and acting in bad faith.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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. 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe. 
I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX