davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (FL)

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, but the bureaus did not remove them nor prove validation. 

XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC. (FL)

In XX/XX/2023 I refinanced my mortgage. Arvest Bank took over as the servicer of the new mortgage. My first payment was due on XX/XX/2023 in the amount of {$1800.00}, which includes {$570.00} for impounds ( insurance and taxes ). I round my payments up to {$1900.00} to bring down the principal a little bit faster. My initial payment was sent in as two payments of {$1900.00} each. Both were received by the bank on XX/XX/2023. A few weeks later I received a statement showing that one payment was applied on XX/XX/XXXX and the other was being held to be applied on XX/XX/XXXX. My payments are set up automatically with my bank and the XXXX payment was already processed to be sent on time. 

I contacted Arvest and notified them that they had erred in their processing and that the second payment was an additional principal payment. In XXXX I received a letter from Arvest that they were investigating the situation. Finally, in mid-XXXX, I received a letter from XXXX XXXX, Mortgage Servicing Manager of Arvest Bank stating that the amount had been removed from the XX/XX/XXXX payment and processed as a an additional principal payment, but on XX/XX/XXXX, not on XX/XX/XXXX. 

I am being charged interest on principal that was paid on XX/XX/XXXX. Per XXXX XXXX 's letter ( attached ), the payment was received by Arvest on XX/XX/XXXX, yet they are not processing it until more than two months later. They are charging me interest on principal that has already been paid. This needs to be corrected.
Consumer complaint received 2023-02-23
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. (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 XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. ALLY FINANCIAL account # XXXX claimant 's offer to perform ( pay with FRNs ) upon REMOVAL OF LATE PAYMENT. PURSUANT TO TITLE 15 U.S. CODE 1666b ( a ) A creditor may not treat a payment on a open account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title. I have received my credit report, from XXXX, XXXX and XXXX. I have contacted ALLY numerous times and even disputed it with the Credit Bureau. I am requesting a goodwill adjustment to remove the late payment in order to re- finance my home. I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment is reported to XXXX, XXXX and XXXX XXXX and I am requesting removal of this one 30 day late payment ( XX/XX/2023 ), as it has been reported to the bureau 's. Please remove XXXX payment
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

XXXX WHAT I WROTE TO DISCOVER CARD AFTER I WAS DENIED OF MY UNLIMITED CREDIT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX Discover card XXXX XXXX XXXX XXXX, DE XXXX Subject : Denial of Credit Violation of Equal Credit Opportunity Act and Consumer Credit Protection Act Dear Sir/Madam, I write to bring to your attention a serious matter regarding the denial of my access to credit, which I believe constitutes an act of discrimination under the provisions of the Equal Credit Opportunity Act. As an attorney in fact for XXXX XXXX, I am compelled to address this issue on his behalf. 

Regardless of the reasons for the denial of credit, it is important to note that under the Equal Credit Opportunity Act, individuals have the right to receive fair and equal access to credit. By withholding XXXX XXXX 's access to his securities, it appears to be a violation of both the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

I hereby request that you rectify this situation by retracting XXXX XXXX 's credit application, as it is evident that his rights under the aforementioned acts have been violated. It is imperative that Discover card, as a reputable financial institution, upholds its legal obligations and ensures equal treatment and opportunities for all consumers. 

I trust that you will promptly address this matter and provide a written confirmation of the retraction of the credit application to avoid any further legal action. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-03-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-03-15
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CO)

I re-financed my loan mid 2020 ( moving from XXXX to Cross Country ). After closing the title company AND the mortgage company ( CC ) paid the home owners insurance. A refund was made to the mortgage company as a result of the duplicate payment yet the credit was never posted to my account. As a result CC increased my monthly mortgage payment by {$280.00} a month to account for the 'shortage ' in the escrow account. There is in fact no shortage as the double payment was credited back to my account however an escrow analysis was never completed. Since XXXX I have made multiple calls a month to the XXXX number provided by CC as well as to my local mortgage lender with no answers. IF I can actually get through ( often times after I press all the options to talk to someone the call sits on hold for 20+ minutes with no answer or it hangs itself up ) I speak to someone who refuses to allow me to speak to loan servicing who handles the escrow analysis. I have been assured multiple times that a request has been made on my behalf to servicing and that I would hear via mail within 10 business days yet no follow up has been received and my account has still not one through a re-analysis. In all my years as a home owner I have never dealt with a company with such poor customer service, poor response time and inaccurate account management. I will never work with CC again and I feel as if their business practices are unethical.
Consumer complaint received 2023-02-23
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. (TX)

I sent my letter off on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking # .is noted on the attached documents. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2023-10-23
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: TOYOTA MOTOR CREDIT CORPORATION (CO)

On XX/XX/XXXX I paid off the remainder of my car loan with Toyota financial. I was told it would take a month from the paid date for it to process. After more than a month I called to find out what was happening and when the title would arrive. I was then told that I hadnt requested the title and it hadnt been sent. I thought this was odd that I paid it off and didnt just get it sent out, but I went on to request it. This was XX/XX/XXXX. I was again told to expect it to be up to 30 business days to arrive. I called weekly for updates until I was finally told to it would be to me by XX/XX/XXXX and if it wasnt to call. I called on the XXXX when I hadnt received it still. They told me me they werent sure what was happening and that they didnt know where it was. I was told by the XXXX XXXXXXXX XXXX that the Lien hadnt been released so I shared this with Toyota financial and they put in a request for a lien release but was again told it could be up to 30 days. I paid this off in early XXXX and I really need the title to the car and have completely lost faith that the issue is going to resolved by Toyota Financial.
Consumer complaint received 2023-02-23
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. (PA)

I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 2022-05-18
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. (OH)

Went to a dealership and wanted to apply for a car and they said they was only going to do XXXX XXXX XXXX, however it was 6 other hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the information on my credit report related to a collection account and bankruptcy. 

The collection account with the account number XXXX, which is listed on my credit report as being originally reported by XXXX  for rent self-reported, is inaccurate. I have never been a tenant at any property managed by XXXX and I have never incurred any debts related to rental payments. Therefore, I request that this information be removed from my credit report. 

Regarding the bankruptcy information on my credit report, I have recently noticed that my bankruptcy case number XXXX is reported twice with different descriptions : " Bankruptcy U.S. Bankruptcy Court '' and " XXXX Bankruptcy ''. I would like to request that this discrepancy be resolved and the duplicate listing be removed from my credit report. 

I understand the importance of maintaining an accurate credit report, and I appreciate your attention to this matter. Please investigate this issue and provide me with a written response regarding the actions taken to resolve these disputes. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC 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 2020-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (FL)

I have a loan through Yamaha Financial Services Account ending in # XXXX. On XX/XX/2020, I called Yamaha to request a deferment for my XX/XX/2020 payment. I spoke to XXXX at Yamaha he assured me that Yamaha would defer my XX/XX/2020 payment. On XX/XX/2020 Yamaha began calling me stating that I was past due for the XX/XX/2020 payment I stated that XXXX told me the XXXX payment was deferred. I filed a complaint with XXXX and Yamaha responded to the complaint and states that " On XX/XX/2020 you called and spoke to a representative who mistakenly advised you that you would be able to receive an extension for your XXXX payment. '' Yamaha is now charging late fees to my account for XXXX payment and applying my current payments to the XXXX payment or previous month. They are reporting my account to credit bureau as past due 30-90 days. I have spoke to numerous supervisors and employees at Yamaha they refuse to correct my account. I have filed complaint with credit bureaus as well. I have requested corporate phone number via emails and they refuse to provide any further information so that I can resolve this. 

I have also had issues with Yamaha sending me a monthly statement they stated on recorded phone calls that they aren't required by law to send me a monthly statement.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX*Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX  XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.