davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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: TRUIST FINANCIAL CORPORATION (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

C # XXXX XX/XX/XXXX was closed?. Capital One Still has not resolved this on my credit, or Refunding me back, Capital one Fees for this Car was/is to much even this New year for a XXXX XXXX, I lose my Job due to not having my car.
Consumer complaint received 2022-04-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Bank 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 2022-10-11
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

This situation has been happening since XX/XX/2022 and it is still not fixed. I have provided this bank every payment I have made for my mortgage and they seem to think I still owe them money. I have emailed them, called them and NOTHING of any change! 

I have reached out to the Office of the Chairman, and this person is not providing me a transaction report of WHY my account shows I am behind. I have paid every single month for the full amount PLUS an additional amount that was asked of me to supposedly fix the underpayment. The fix NEVER happened so I paid the full amount since then so I asked for my overpayment back. NOW this bank is saying my account is behind. How is that possible for my account to be behind when I have paid every month complete? 

No one has provided me a report as to why my account shows behind. The online transactions do not make sense and believe it was done incorrectly as it looks like things are paid, moved over and done their own funny reconciliations. 

I am asking to please explain why I owe money when I have paid every month in FULL. I have the transactions from my bank to prove it and I MATCH them with my account but something in the reconciliation shows as if I owe more. I was told late fees would be removed so why am I owing XXXX more when I have paid my other months in full? This bank will not explain to me in detailed. I have been yelled by a lead manager who did not help me. Every representative just says a scripted message and can not explain the details transactions even though I specifically say, here are my payments, why do I owe? One rep even told me I owed about {$800.00} to keep my account current. Where did {$180.00} go to {$800.00}? 

I used to have great credit until this bank. THIS BANK IS HORRIBLE. I am a good paying citizen and I have been treated poorly by this bank. There is no clear answer as to why I owe when I have proof that I dont. This has been going on since XX/XX/2022 AND I have paid every month and the account shows one behind. My credit is ruined and I need this fix. this bank never sent me any correspondence certified telling me this change of anything. THIS BANK needs to have further disciplinary action as I do not think what they are doing is ethical. They are telling me to pay for something I don't owe but yet they won't give me clear explanation why I owe. I PAID MORE than WHAT I OWE and when I asked for my overpayment, they said they want it back. WHY??? I need help immediately as this bank still has not fixed my issue and my credit keeps showing as if I am not paying my mortgage on time when I am. I have everything in writing too. I just need this fix, this has caused a lot of stressed when this has not been my fault.
Consumer complaint received 2021-01-15
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. (FL)

In XX/XX/XXXX, I pulled a copy of my credit file Reference # XXXX in which I became aware of several unauthorized inquiries. I immediately contacted XXXX, Equifax and XXXX advising them that I was a victim of fraud. I submitted an initial dispute letter, copy of the police report, victim notice from the Department of Justice and my ID/social in XXXX. Equifax did not acknowledge my request. I resubmitted the information again in XX/XX/XXXX. My second request was also ignored. I proceeded to call Equifax on XX/XX/XXXX in attempts to resolve this matter. I was told by XXXX ID XXXX that the documents were not in their system, although I had sent them at the same time as my dispute request that was acknowledged. I asked for a supervisor and XXXX placed me on hold and never came back. I called again on XX/XX/XXXX and spoke with XXXX ID XXXX who refused to assist me as well. I requested to speak with a Supervisor on 3 occasions and was told " There was nothing anyone could do for me '' and he refused to allow me to speak to a supervisor. He placed me on hold and indicated his supervisor refused to speak with me. He later hung up on me.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Date : XX/XX/2019 Loan Application Number : XXXX I was told that BOA will cover that point fee to get interest rate 3.875 % because I have been with BOA for 15 more years. That's the main reason I was waiting for loan approval from BOA. But at the end they just told me that their manager didn't approve it. 

The underwriter intentionally delayed the process by requesting documents one by one every 3-5 days. That caused the the point fee for 3.875 % increased from {$4200.00} to {$6100.00} because of the 2 months delay caused by the underwriter. 

I contacted their management and requested refund of {$6100.00} but they rejected. 

Here are the lender contacts, XXXX XXXX Consumer Lending Client Experience XXXX Mail Code : XXXX NMLS # XXXX Email : XXXX XXXX XXXX Primary Originator NMLS ID : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX bankofamerica.com
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (WA)

I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I received a push notification on my phone of a charge for {$140.00} being approved on my card. The next day I saw the charge on my card from XXXX XXXX along with a foreign transaction fee of {$4.00}. That day, XX/XX/XXXX, I called to dispute the charge with BBVA USA ( Formerly BBVA Compass Bank ) which they responded quickly to close the account and issue a new card. Upon receiving the new card BBVA had transferred both charges to the new card. I called on XX/XX/XXXX to dispute those charges being transferred which caused them to let me know it could take 30-90 days for the charges to be removed from the account, pending the dispute being resolved in my favor. 

XX/XX/XXXX I called again and spoke to someone in the States and they understood my plight. On ( approximately ) XX/XX/XXXX I received a letter that the dispute was resolved in my favor and on XX/XX/XXXX I received a credit followed by a debit for both amounts. This caused me to call the bank again on XX/XX/XXXX to get in touch with someone who understood my plight. 

XX/XX/XXXX a charge is sent to the prior card number. I call the bank again and they inform me that I don't owe the money but it will sit on that " closed '' account. This still shows as me owing the money for a disputed charge resolved in my favor. 

I can't help but wonder if I am just dealing with inept call center agents that don't understand basic accounting or if the BBVA USA bank is " padding '' their liabilities for the purchase of their institution by XXXX XXXX  out of XXXX. Either way I am unable to resolve this situation with them and need assistance.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-01-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (DE)

We absolutely are finished with PNC. After 22 years of having accounts and mortgages with them, we are pulling our accounts, including our mothers investment accounts. We wanted to refinance our loan after we received paperwork from PNC stating rates have dropped. We were taking some cash out as well since we had plenty of equity. 10 times what we needed. That was XXXX. Since then, weve been shuffled off to 16 different loan advisors. No one calls us back. When we call and complain, we get another loan advisor and need to start over. They are needing a piece of paper that they have, but say is not sufficient, I actually called and retained a lawyer to get what they needed. One person says its not sufficient the other says it is. I get a call today looking for paperwork but asking for proof residence for someone else. They dont even know what they are doing anymore. I talked to XXXX XXXX who said he was a supervisor but spoke to me like he was reading off a script. He couldnt. Or explain why what I had was not sufficient or anything else. When I asked to speak to his supervisor, he told me no, that there was no other person I needed to speak to. He was rude. I told him about all our issues. It once did he apologize until I called him out on his unprofessional attitude and the fact he didnt apologize. Finally he said Im sorry you feel that way. Please listen to all themtraining tapes. We have paid $ $ out of our pockets for the construction we were having done in XXXX because of all these issues. Credit score of XXXX and we hold a mortgage with you, but it takes 6 months to do your job. 

I have all names, times and dates of contact with company
Consumer complaint received 2021-01-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/XXXX XXXX network sent me a notice of a refund being placed back in my account that may take up to 2 business cycles to complete. Knowing the issues Ive already had with Navy federal when it comes to refunds I made sure to constantly  check my balance looking for that refund of {$59.00}. From XX/XX/XXXX til XX/XX/XXXX and in this time there was no credit placed in my account. So today XX/XX/XXXX I decided to check my account one more time to see where my balance was at and when I scrolled down the first thing I see is a false credit of XXXX dated XX/XX/XXXX which was a Monday Navy federal never process anything on Mondays because the bank closes for weekends. I did not get my refund and when I called the bank I was met with lies which made me very angry. This is the 3rd time this has happened in regards to getting a refund placed back into my account and I cant take it anymore its wrong and a lie nothing close to reality I want my refund.
Consumer complaint received 2024-03-18
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 XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX 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  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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have a medical collection reporting from XXXX XXXX Services with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting a collection account as closed. This CRA continues to validate and allow this company to report this on my report. It is even showing past due. This account is inactive and closed and should be removed from my report. The CRAs and XXXX are violating the FCRA. Ive submitted an account summary with my disputes and each CRA is apparently using an e-Oscar system which is not correct. 

XXXX cant even validate the account. The attached letter shows they cant validate the account. I mailed the letter below on XX/XX/XXXX and emailed it on XX/XX/XXXX and I received the attached letter a few days later. 

To Whom It XXXX Concern : I am XXXX XXXX and XXXX writing regarding the above referenced accounts and transactions. 

This vehicle was repossessed by XXXX XXXX in the XXXX of Georgia on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. The first date of delinquency was XX/XX/XXXX. 

Under the laws of the XXXX XXXX Georgia XXXX rights of buyer, seller, etc., following repossession of motor vehicle sold under a retail installment contract are covered under Georgia XXXX, specifically Code Section XXXX of the Official Code of Georgia. UCC XXXX. XXXX of motor vehicle repossessed after default ; right to recover deficiency and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. This was originally mailed on XX/XX/XXXX and I havent heard back from you. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available XXXX and XXXX statutes and XXXX - XXXX remedies.