davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Foremost, XXXX  XXXX is in violation of 20 U.S. Code 1232 G. It is illegal to report any transactional history including balances, negative remarks and late payments. I am requesting a date of paid as agreed. Furthermore, it my understanding this indebtedness is considered a Certificate of Indebtedness and was charged off and/or paid in full in XXXX. Due to this being considered income, this charged off account should be paid in full and closed from all credit reporting agencies under 15 U.S. Code 1681. Also, interest made from Treasury coupons should be credited to the account. Please consider this, your opportunity, in good faith, to correct. Per the Family & Educational Privacy Act of 1974, under 5 U.S. Code 552, XXXX  XXXX is in violation. I did not knowingly consent to my information be sold or given to any third party companies including XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX, etc. As previously stated, it is illegal to report transactional history, per 20 USC 1232 G under 34 CFR 99. Per 15 U.S. Code 1681, the companies are lawfully not allowed to report this information without my consent. Per the FRCA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given said companies to any include written, unwritten, verbal, non-verbal consent, to use, purchase, or report this information, indefinitely, per 15 U.S. Code 6802 under 34 CFR 685.215. Also note, 16 CFR 313.7
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I applied for the California Mortgage assistance program on XX/XX/XXXX. My application was finally approved on XX/XX/XXXX and the assistance program paid my mortgage company, Specialized Loan Servicing ( SLS ), to bring it up to date. I had previously set up automatic payments with them which they failed to cancel once they received the payment from the assistance program and they processed my payment on XX/XX/XXXX for a total of {$3800.00}, and it was deducted from my bank account. I called them and told them that they were not supposed to process the payment since my account had been paid up to date by the assistance program and they assured me they would process a refund check and mail it back to me. I have called them quite a few times because they have a track record of messing things up and each time they assured me that they mailed the check to me. I called earlier this week and they said they had sent it out on XX/XX/XXXX but I still haven't received it. I decided to call today and the " customer service '' representative at XXXX who answered told me they had wired the payment back to the mortgage assistance program. I am not sure when or why that decision was made. I spent an hour on the phone with them and they said all they can do is advise me to contact the mortgage assistance program, which I think is ridiculous considering they are the ones who made the error. If I had not contacted them asking for the refund they would've just credited my account which would've been better than completely losing the money. This is a huge financial burden on me and I really need the money as soon as possible. My mortgage company essentially stole the money from me as the payment was not supposed to be processed since my account was brought current by the mortgage assistance program. I contact the California mortgage assistance program but they are unsure on how to handle it as they have not encountered this issue before. SLS needs to resolve their error and refund the money to me!
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (FL)

Equifax continues not reporting my XXXX XXXX Account after removing it from my Equifax Credit Profile on or about XX/XX/2021. This despite XXXX XXXX  XXXX continually reports the XXXX account as an active current account that belongs to me. Equifax removed my XXXX XXXX  XXXX account on or about XX/XX/2021 and never provided a reason and refuses to investigate why the XXXX XXXX XXXX XXXX isn't reporting despite XXXX XXXX  XXXX reporting to XXXX and XXXX every month having recently updated on XX/XX/2021. At one time a representative told me she would " manually '' put my XXXX XXXX account back on my Equifax Profile and assured me it would start reporting by the end of XX/XX/2021. That never occurred and the account STILL isn't reporting on my Equifax Credit Profile. I personally think I'll just go away if they continue lying to me in hopes I'll just get tired of fighting them and their incompetence. I'm NOT going away.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I complained about this company, Experian, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to XXXX prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.
Consumer complaint received 2022-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days. 

After not recv my title I contacted ALLY and advised that I had not recv my title. 

XXXX advised that there still showed an existing balance. 

I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed. 

The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue. 

XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees. 

Manager never called me back. 

XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above. 

XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees. 

I advised that I would escalate this issue to CFPB and the XXXX 

I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} XX/XX/XXXX
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WI)

XXXXXXXX XXXX I was selling item for {$40.00} ( I have messenger text chain to confirm all of this ) XXXX  ' asked if I had zelle I do but never used Received email that money sent with a pending notice that I do not have business account. 
Received email stating that I have pending receipt of {$160.00} additional funds pending and secured total receipt will be {$200.00}. 
I need to refund the {$160.00} and deposit finalized I looked through email- stating not comfortable and reluctantly sent $ $ Received no zelle activity of money coming in sent request for $ $ - no reply sent messages that this is not right received 2nd email asking for more $ $ immediately called my bank and they filed a claim but will not refund my money XXXX ' zelle info : XXXX XXXX XXXXXXXX has XXXX  profile claiming not to be him. 
I deleted my email phone or any information from the messaging XXXX tried to send screenshot of XXXX XXXX XXXXXXXX deposit i said i need refund immediately or am calling police- i believe this is a scam he went off line
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

In XXXX XXXX I started having financial troubles and as a result I fell behind on my payments with my car. I called Nissan Motor Acceptance and tried to set up arrangements to bring my account current. I was rudely told by the rep that " I should call back when I have the money '' It was also stated that not much help could be extended to me since this was a lease and the money was to be expected every month. 

XXXX XXXX, I was in a accident where the other car clipped the front end of my car and caused damage to the front bumper. I had to pay {$1000.00} deductible in order to get the car fixed. I tried to keep Nissan in the loop as much as possible. 

Any money I had I tried to put towards my past due balance. In XXXX XXXX the car was repossessed and I called Nissan trying to figure out what my next steps were. I was told that I had 15 days to come up with {$2500.00} or else the car would be sold at auction and I could participate in that. 

To date, I 've never received any Pre-repossession notices, post notices or notice of sale. 

As of XXXX XXXX, I had {$6300.00} remaining on my lease. After the fees from the repossession the balance became {$9800.00}. After doing a vin search I found out that the car was sold for {$12000.00}. 

Nissan Motor Acceptance has not followed certain rules under the Uniform Commercial Code. I was never given the opportunity to attend any private or public sale of the vehicle.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$250.00} These are all fraudulent transactions. I never authorized these transfers on Cash App. 

My case number is XXXX. Please refund the money thank you.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MS)

You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I complained about this company, XXXX, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to 9 prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.
Consumer complaint received 2023-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

XX/XX/2023 {$1400.00} I checked my credit report, and noticed a deragotory remark. It a collection from Harvard Collection agency. My complaint is, the collection agency didnt send any written correspondence to me, via mail, before putting this on my credit report. They did not offer me an opportunity to take care of this before sending it. I thought companies are suppose to at least send you some type of information before taking this drastic step.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OH)

I sent this company a validation letter and they signed for it on XX/XX/XXXX about an alleged debt they say I owe. What I received in return was a bill/statement. 

They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate along with the dates on the bill/statement they had sent me that supposedly verified this as a valid debt I owe. 

The open date that shows on my credit report, regarding this account shows that it was opened XX/XX/XXXX however on the bill/statement they have sent me it shows date ranges from XX/XX/XXXX to XX/XX/XXXX? So 3 years later they want to report this false information? 

The high balance compared to the balance on my credit file for this is showing a high balance of {$210.00} but a balance of {$610.00}? But on the bill/statement they sent is shows {$610.00}? Nothing is accurate about what they are claiming! What is crazy is that the credit bureau ( s ) came back and said it meets FCRA requirements Thats a lie. What proof did they get?! 

I am making a final attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

All documents regarding communication with this company including return receipts and what I received from them along with the entry of this account on my credit report have been attached.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00}
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-10-16
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)

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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$670.00} XXXX  XX/XX/2023 XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

I will be filing a claim with the Consimer Financial Protection Bureau for the devious sales tactics of the concierge desk that we experienced this week. 

Our experience with XXXX XXXX was not representative of the service we expect when booking a higher priced hotel through XXXX XXXX XXXX than what we could get on XXXX. We requested a crib which we never received we were not able to order room service until after waiting an hour for someone to bring us a menu after calling three time and then my wife was not served at the lobby bar because she had our daughter with her. 

We then called Concierge told them about our experience and she assured us that XXXX would reimburse us the cost of the expenses at the hotel of {$460.00} and then proceeded to book us into the XXXX XXXX which was {$800.00} which we were fine with since we assumed we were getting reimbursed for the night at XXXX. 

When when we disputed the charge the digital travel department blamed the concierge desk and concierge desk blamed digital. XXXX employs concierge staff who are incentivized to sell higher room, although in this case, XXXX XXXX, Travel Counselor with XXXX concierge used our dissatisfaction to out us into a more expensive hotel and said we would get reimbursed.
There are clearly no checks and balances with the concierge at XXXX  which had cost us over {$1000.00} this week. XXXX has closed our case with no compensation
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$190.00}