davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NV)

On XX/XX/XXXX a check from XXXXXX/XX/XXXX was sent to Yamaha Motor Finance for {$290.00} as of XX/XX/XXXX the check was still not received by Yamaha Motor Finance at this time XX/XX/XXXXsuggested that I put a stop payment on the check due to it possibly being lost by USPS. 
I did put a stop payment on the check and XX/XX/XXXXissued a letter that was sent to them on this same date explaining what had happened. 
Yamaha Motor Finance stated they never received the letter which I had email it to them on XX/XX/XXXX XX/XX/XXXXXXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XX/XX/XXXX I had also called them to let them know about this. 
I was told by the customer service that it would not be an issue due to that I was ahead on the account. 
I then sent a cashier 's check number XXXX in the amount of XXXX on XX/XX/XXXX to cover the canceled check. 
I called this morning XX/XX/XXXX to verify that they had received the cashier 's check because I noted that my account was not updated. They told me that they have not received the cashier 's check as of this date. 
I still also have not had any statements sent out since the last complaint filed. 
I am not sure what is going on with this company, service is really poor. 
Someone needs to investigate Yamaha Motor Finance.
Consumer complaint received 2021-08-24
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: AmerAssist A/R Solutions, Inc. (NY)

Amerassist AR Solution is reportig fraud information on my credit. I dont know what this account is and I believe this account is fraudulent. 
Please note the attached FTC report and remove this account from my credit.
Consumer complaint received 2024-04-02
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)

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 : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NE)

Im a U.S citizen. Almost two years ago I was traveling a lot outside of the US and I believe because of currency changes and charges chase bank who I have been banking with for over a decade, closed my account without notice. They said they sent a check with the almost XXXX US dollars to my house in the states but I didnt receive it. 
Now on multiple occasions I have gone into the branch in the US and I have tried to get the money back but they are requiring the check sent to my house in the US which I no longer live at.
Consumer complaint received 2023-08-03
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. (KY)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Demand to Comply with 15 USC 1692g ( a ) in Regards to Collections Dear [ XXXX XXXX XXXX ], I am writing to express my concerns and demand compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( a ). As a consumer, I am well aware of my rights under this statute, and I am exercising my right to request validation of the alleged debt you are attempting to collect. 

Under 15 USC 1692g ( a ), a debt collector is required to provide me with written validation of the debt within XXXX days of their initial communication regarding the debt. This validation should include : XXXX. The amount of the debt XXXX. The name of the original creditor XXXX. A statement that if I dispute the debt within 30 days, the debt collector will provide me with verification of the debt XXXX. A statement that if I request the name and address of the original creditor within 30 days, the debt collector will provide me with such information I am formally requesting that you provide me with the aforementioned information within the time frame stipulated by law. Failure to comply with this request may result in legal action to protect my rights under the FDCPA. 

Please communicate with me exclusively in writing moving forward, and I kindly request that you cease any and all communication regarding this alleged debt until the required validation is provided. 

I expect full cooperation and prompt action in accordance with the law. If I do not receive the requested information within the stipulated time frame, I will have no choice but to take appropriate legal steps to ensure my rights are upheld. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-07-17
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. (MI)

On XX/XX/17 I spoke with banker trying to refinance loans and cars. The credit from XXXX XXXX did not reflect the same with XXXX XXXX XXXX. From the XXXX side my score was XXXX From XXXX XXXX it was XXXX.
Consumer complaint received 2024-04-02
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)

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 : Account XXXX Account Name XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2022-12-07
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. (NJ)

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Performance Settlement, LLC (MN)

I was with a third party consolidation company called performance XXXX who misrepresented themselves by saying they will file all the paperwork for a pay as you earn and I was under the impression that they would be my loan servicer and not XXXX that I currently have. I found out after paying them for 2 months of services that they just consolidate and that 's it. I tried to cancel their services but they state to go through loan servicer XXXX who has no record of them and either does the department of education. I believe that I have been scammed and now I have to figure out how to cancel services.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need to inform you that I have fallen victim to identity theft. I am disputing the following accounts since they were opened without my knowledge, consent, or authority, and I hold no responsibility for them. Upon reaching out to the respective companies, I was directed to file the FTC affidavit accessible on the identitytheft.gov website. XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

OnXX/XX/2021 i sent a dispute letter To FEDLOAN to verify the late payments on my credit report. Till this day, its been over 30 days and you failed to respond. Those late payments are unverified, please remove the late payments and update to pay as agreed on time.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite my continued efforts, I have yet to see any resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I consider this matter of utmost importance. Should you disregard my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough reexamination of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. If such evidence can not be provided, I demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (KY)

Refinaced a morgage that was serveced though Round Point Morgage company, the funds were relised to Round point on XXXX. I have contacted Round Point 3 times to ask if the escrow check has beed mailed or dispursed to me. I have not been able to get a solid answer from them. One rep told me they had 20 business day to get the funds to me, two days later a different rep told me 20-30 business days.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have some inquiries on my report I did not authorized. 
XXXX. XXXX  XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX
Consumer complaint received 2017-05-08
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. (TX)

In my  XXXX   XXXX  Transunion Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on  XXXX   XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX , OH  XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received a letter from XXXX XXXX XXXX on XX/XX/XXXX about a debt on a SST credit card issued by Washington Mutual Bank, NA stating that I owe a balance of {$2900.00}. The current owner of this debt is LVNV Funding LLC.and was placed in Resurgent company for collections. This card was supposedly issued in XXXX. I have never had a credit card from this so-called bank and company and have never been contacted by mail, email, or phone about this issue to dispute it till now. I called, upon receipt of this letter, the Resurgent company and they wanted a plethora of personal information which I refused to submit to. This is a definite fraud situation and I am requesting an inquiry into this matter so it doesn't happen to other unsuspecting people.
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

OnXX/XX/XXXX, I opened a Money Market Checking Account with Citizens Bank ( Citizens Bank is a brand name of XXXX XXXX XXXX ( NMLS ID # XXXX ) and XXXX XXXX XXXX XXXX ( NMLS ID # XXXX ). Citizens Bank corporate headquarters : XXXX XXXX XXXX XXXX RI XXXX  ) The account was opened over the phone by a rep who sold me the account while assisting me with online access to another regular checking account. I gave my routing number and account number for a savings account with XXXX XXXX   to transfer {$25000.00} to this new money market account.

On XX/XX/XXXX, I received a letter from Citizens saying that they had placed a hold on the funds for 90 business days because of some information on the check not matching. I never wrote a check! The check was generated by Citizens system and the money was withdrawn from my XXXX XXXX  account. I have attached a copy of the check that was posted to my XXXX XXXX account.

This is as good as robbery because they won't let me close the account or release the funds for 90 days! And the money has already been released from my XXXX XXXX   account.

I have called, visited their branch and have received no information on why the hold was placed and what can be done to remove it. They asked me to give the information for someone from XXXX and I gave that to them, but still no response.

This is a bank that can not seem manage a simple electronic transfer in this day and age and on top of that has terrible customer service experience in not being able to share any details on why a hold has been placed on funds ; not to mention the legality of placing a hold on the funds for 90 days!!
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-03-14
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. (CA)

XXXX  XXXX balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
XXXX XXXX claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX charged further {$40.00} to bring the balance to {$160.00}. 
I did call XXXX XXXX when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with XXXX XXXX explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. XXXX  XXXX damaged my credit by XXXX point down across the three credit Bauru 's. XXXX XXXX ignored the credit consumer protection bureau laws : XXXX XXXX has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.