davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
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)

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATIONXXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (SC)

Firstly, Ive sent 3 letters to Truist explaining the situation in detail, none of which have been answered. Ive sent teh Consumer Financial Protection Bureau copies as well over a month ago. 
Truist acquired Suntrust where I had an account. I dont use the account often, nor do I reconcile the account monthly, but instead every 4-6 months. I had a no fee, interest bearing checking account. A few months after the Truist acquisition, I noticed they had begun charging a $ XXXX fee. I immediately contacted the bank, was on hold for 30+ mins to speak to someone, who eventually informed me those were the new fees. They said if I didnt agree ( which I was never informed before ) I had to go into the bank to close the account. I went to my local branch and it was closed. There wasnt a branch reasonably close, so I sent them a letter asking them to close. They chose not to close my account despite the letter. Later I started getting dunning notices that the account was overdrawn due to teh $ XXXX fee. Ive written two additional letters to Truist and no reply, for which I have copies. This weekend I was turned down for a credit card, and as I inquired the reason, they said a bank had cancelled a checking account ( Truist )
Consumer complaint received 2022-11-01
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC (NV)

I contacted BMW Financial Services Attn : Credit Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX via phone and mail. I explained to Bmw that I was in an auto accident on XX/XX/XXXX I explained that my insurance company is stating if they can't get the vehicle computer in alignment intact they may total my car. Because I had to pay out of pocket for a rental car, I explained to BMW that I couldn't afford to make my monthly payment. Custom Services representative XXXX informed me he would note my account and pause any negative credit reporting of my credit report on XX/XX/XXXX. Well despite the promises made BMW reported me late on XX/XX/XXXX. I am currently in the process of buying a home and stand to lose my XXXX deposit if this is not corrected.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CCS COLLECTIONS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CCS COLLECTIONS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (MI)

every month on my XXXX XXXX credit score and info, i get reports, 33 reports now and every month i get this report : XX/XX/2024 An account has been identified as Closed by the creditor or consumer. 
NSTAR/COOPER XX/XX/2024 An account has been identified as Closed by the creditor or consumer. 
NSTAR/COOPER and so and so on every month! My credit score has dropped XXXX point! I am at XXXX so not bad, BUT! I can not get an answer as to why every month another notice for same thing, which there was never ANY account closed! This is a company that took over the handling of my VA loan from XXXX! I have had nothing but problems and there are LAW SUITS ongoing now with Mr Cooper! I closed my accounts with XXXX to go to XXXX XXXX XXXX! XXXX went from Hero to Zero!
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (TX)

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXXXXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX  XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Consumer complaint received 2023-03-07
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: RMA Credit Association (TX)

RMA has violated my rights to privacy 15 USC 1681 ( a ) ( 4 ) by receiving and using medical information without my consent, 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

GM Financial sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX of XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and GM Financial did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. GM Financial has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. GM refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX  kids under XXXX  while working. This is grossly unfair in the first place, but even more unfair that GM Financial refuses to correct its credit reporting.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I got sick with XXXX and was out of work and missed one payment I called the creditor who agreed to take the 30 day late payment off of my credit report but it is still there which is harming my credit and making it so I am unable to get a loan to catch up on my bills from being out of work.if this is not corrected I will be homeless!
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I am writing to request correction of the error described below for property address : XXXX XXXX XXXX XXXX, CA XXXX Payment Error : Lakeview Loan LLC have been over-drawing {$140.00} ( MIP ) from the Escrow account, and somehow I see that we are paid up till XXXX. We currently have a principal balance of {$160000.00}. We borrowed appproximately {$220000.00}, so we are at 71 %. 
Isn't MIP supposed to be eliminated at 80 %? 
And how does the co. arrive at {$140.00}? Is there a percentage?
Consumer complaint received 2020-08-13
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: Westlake Services, LLC (MD)

I have purchased a truck on XX/XX/2020, from a car dealership, XXXX, that uses WEST LAKE FINANCIAL as the lender. The finance company, WEST LAKE FINANCIAL is covering up the fraudulent actions of the dealership by not requesting the title of the vehicle with in the 30 days of purchase. It has been past 60 days and the finance company has not received the title to the vehicle. These action are fraudulent. The finance company should eliminate any business relationship with the dealership as they have been know for title washing vehicles. The transaction took place in the state of Virginia, which it is illegal to sell a vehicle without a title. This cover up by the WEST LAKE FINANCIAL is unacceptable. The finance company should push for legal action to acquire the title from the dealership XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AE)

Convergent Outsourcing claims to be collecting a debt of {$430.00} on behalf of XXXX. I spoke with XXXX this past fall and they could not confirm a debt ever existed. I have not used XXXX service for more than 10 years. Through online research, I believe Convergent is a scam company and they must be shut down.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. 
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. 
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!
Consumer complaint received 2024-04-12
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

J.P. Morgan Chase Bank accepted my 3rd party endorsed check to me and had the check processed, cleared, and funds deposited to my account by XXXX who was the Bank who issued the check to my brother. So before and after the check was cleared and verified, Chase Bank now wants to verify who the check belongs to and verify ; which was supposed to be done before they processed the check to XXXX ; if that being the case, they should of never sent the check over to XXXX first, because now it's too late to do anything as far as the issue is now, that they can't verify him through his cell phone, now he can't even get his check back, cancel it, or reissue the check because it's already done, cashed, and even though the account was suppose to be closed, how were they able to take money out from the account if it's on hold, closed, or whatever.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was shopping through a third-party seller app called XXXX on XX/XX/2020. The seller told me that the reason I couldn't check out was because some problem with her XXXX  so I sent money for the product through PayPal. I sent her {$55.00} dollars which was transferred to pounds with a {$2.00} fee from PayPal. The next day on XX/XX/2020 I get a message from the same seller saying that her account was hacked and she was never selling the shoes. I immediately filed a dispute for an unauthorized transaction with PayPal because this person was not real and scammed me. PayPal denied my dispute on XX/XX/2020. I've tried to reach out to PayPal but to no avail they're not helping me. The only reason I sent money in the first place was because this person had 5 star reviews from over hundreds of people which is why I trusted doing a transaction with PayPal. Since her account was hacked, I had no way of knowing and I am being punished for someone hacking a seller 's account.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America suddenly froze my accounts and debit cards on the afternoon of XX/XX/2020. 
I called and they mentioned my accounts were closed. 
Clearly that was not true because i received an email indicating a continuation of one of my subscriptions connected to a card i have with them. 

I was told it was a business decision. I was not given any details whatsoever and im demanding i withdraw my funds immediately. 

This is not fair! 

Checking account # 1. {$1900.00} Checking account # 2. {$1700.00} Business Account # 3. {$6600.00}
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my Transunion credit report where several items previously disputed and resolved have been reposted to credit file showing incorrect derogatory information. I wasnt not provided any notice that this information would be reapplied and I am in dispute of the account balance, account status and payment history. I have attached a copy of letters from both creditors in question. 
1 ) XXXX XXXX account number XXXX Balance shows {$5000.00} should be {$0.00} 2 ) XXXX/ XXXX   account number XXXX account balance shows {$650.00} account balance should be XXXX As account was paid off Attached copy of ID and SSN
Consumer complaint received 2020-08-13
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX names address and accounts not mine filed to FTC XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$450.00} written off. 
Account TypeCredit card Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute DEPT OF EDUCATION/XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeEducation Balance- Date XXXX Dispute