davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Peter Roberts & Associates, Inc. (MA)

I first learned that someone named XXXX from Peter Roberts & Associates was trying to locate me when he left a voicemail for my mother on her cell phone attempting to find contact information for me. I had not received any calls on my phone or letters regarding a debt from this company. On XX/XX/19, I received a call from ( XXXX ) XXXX and the person only identified himself by his name. His last name was unintelligible. He refused to state what his business was or where he was calling from when I asked. He kept asking to confirm my address and when I asked again what it was in regards to he would not state his business or where he was calling from, so I hung up. I am only aware the company name because I looked up the phone number. If it is an attempt to collect a debt, he did not disclose that at all. I am not confirming any of my personal contact information to someone I do not know that only identifies themselves as XXXX. His communication tactics are deceptive and the fact that he contacted my mother before contacting me is inappropriate and unprofessional.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I looked at my credit report XX/XX/XXXX Ive noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever consumer reporting agency prepares a consumer report if you follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about home the reports relates and these are the accounts Names and addresses XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX. XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX. XXXX XXXX  {$510.00} XX/XX/XXXX Collections XXXX. XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXX XXXX. The XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX XXXX Dollars XX/XX/XXXX According to 15 you USC 1681S/to a person showing that furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that this information is in accurate
Consumer complaint received 2022-02-23
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: HYUNDAI CAPITAL AMERICA (NJ)

My husband XXXX XXXX and I ( XXXX XXXX ) purchased a new car from Action Hyundai XXXX NJ in XX/XX/XXXX We took out a {$1000.00} loan on the car and paid the rest in cash. We only took the loan because they gave us a {$1000.00} rebate on the car for taking out a loan. We paid the loan off in XX/XX/XXXX. It is now XX/XX/XXXX and we do not have title for our car. I have contacted them numerous times. They said they sent the title to us in XX/XX/XXXX but we never received it. They said they sent the title to XXXX XXXX XXXX XXXX ( XXXX XXXX was left off the address ) which is why I think we didn't get it assuming that they did send it. They refuse to get us a replacment title. When you pay your car off, you expect to get the title. They did send a letter saying we paid off the loan. The address should have been complete on the title so unsure why they left a key part of our address off the mailing address when they mailed it. 

The car was financed through Hyundai Motor Finance. I see numerous complaints on the internet about customers can't get their titles. 

Beware of financing through Hyundai Motor Finance.
Consumer complaint received 2022-11-12
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (NC)

In a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im 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 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

Unfortunately, I am sending this message for your help because this matter is very time sensitive. I need an answer or resolution ASAP. I have tried everything I could think of with the bank over the last 7 days when I found out the issue 7 days ago. 

On Monday XX/XX/XXXX, I went to the XXXX XXXX, at XXXX XXXX XXXX, XXXX, CT XXXX of the M & T Bank ( Manufacturers and Traders trust company People 's United bank ), to go into my safety deposit box to get my passport. I was going on a trip and needed to get it renewed because it expires before my trip. I have owned the safety deposit box for over 25 years at the same location and a total of 40 years with the bank at another location. I was meant to be the only person who has access to it and have been the only person with a key to it. 

I was informed that it was closed out my someone in XXXX but at the time they would not confirm who it was or when it was. They said the lock had been broken into because the person did not have a key and the box did not exist anymore with all my legal documents, passport, my birth certificate, deeds to my home, car titles, bonds, family heirlooms, jewelry, and many other items to long to list here. Over almost 38-40 years of legal documents. 

I asked who closed the safety deposit box and if I could any documentation of the box being closed permanently and not existing anymore. Basically, who had my contents of my safety deposit box. The bank stated all paperwork including a notarized paper by the bank, were the bank 's " internal documents '' and were not given out to the owner of the box without a subpoena from my lawyer. I am not sure if the person who stole the contents of the box has any paperwork from the bank. 

I have tried every day in the last week to get the documents of the closing of the safety deposit box, but they are not currently assisting me to get the paperwork without a lawyer 's subpoena. I find this outrages because it was my safety deposit box and I did not close it. The contents were taken out of there without my consent and the box was closed permanently without my consent. 

I could use your help in any way I can. I what to find out officially who gained access to the box. I have my suspicions, but I need to know officially. I would also like to get my passport and original birth certificate in order to get my passport renewed or new one. Neither I can do without the stolen documents in the safety deposit box. 

Thank you and I look forward to hearing from you soon.
Consumer complaint received 2020-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have checked my credit report with XXXX, TransUnion, and XXXX and discovered a fraudulent account in my credit report. I am a victim of identity theft, and XXXX XXXX XXXX account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from TransUnion reporting agency that XXXX  XXXX XXXX is reinserted back to my credit report.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (NY)

Through XXXX XXXX, I searched for prepaid bank card to make purchases and pay bills online. Feared using my bank account where I have auto deposit. I pay XXXX to load my money on the card for purchases and bill 's. I went to check the balance on my prepaid card due to a airline ticket refund, XXXX XXXX. It showed the refund and the card was suspended. I could not access my money. I contacted the company and after several conversations with them, I learned that the customer service was not just customer service. When I accepted the card, I was led to believe that the card was issued by XXXX, a US FDIC insured bank. They issue the card but they can not access the account because they sell our accounts with our identification, social security numbers, birthdate, personal information and if we cash a check, they get that information and they have access to our credit reports, employment and if we use auto deposit, they also get our parole information. The disturbing problem is, the buyers are a offshore nonbank. This is who our accounts are being sold to by XXXX. They say they dont, but I asked the woman on the phone who they were because of her broken english as well as others at this phone number. After hounding her because I could not understand her, she told me how they purchase the accounts and laws don't apply to them because they are offshore, in another country, not the USA and they are a nonbank. The account is closed but they continued to pay theirselves a maintenance fee on a closed account that I am not able to access when it is my money that I paid to put on this card.
Consumer complaint received 2022-11-13
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: Resurgent Capital Services L.P. (GA)

I have disputed this account numerous times. The account does not belong to me. I have never applied had or applied for a account with XXXX XXXX XXXX or LVNV FUNDING XX/XX/XXXX and its reporting to my credit as a derogatory account. I have no knowledge of this account at all. Drivers license and social security cards should be required before someone is allowed to apply for a account because this is not my doing. There is also a hard inquire on my credit report for XXXX XXXX DL and I did not apply for a account with them either. I contacted them and they told me they dont have a application on file for me to even be able to help me but its definitely on my credit report XX/XX/XXXX as if I inquired with them. I dont understand what is going on. This is very frustrating and not fair to me at all.
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

We got behind on our house payments, because we used HERO  to put a roof on our garage, which raised our property taxes by {$2000.00} a year. We did not have an escrow account with our mortgage company to pay for property taxes. We paid them on our own. We didn't realize that the HERO program would have first lien on our property and that they could foreclose if we didn't pay them first, that was not explained to us, which caused us to fall behind on our mortgage. We were forced to file a Chapter XXXX bankruptcy to keep our home. ( We have since paid off that HERO loan ) .That being said, in XX/XX/2017, we changed homeowner 's insurance companies from the The XXXX XXXX to XXXX XXXX. My new insurance agent with XXXX sent Lakeview Loan Servicing, our mortgage company, a letter stating the change. Apparently, in the meantime, The XXXX sent Lakeview a letter stating that our insurance with them was terminated. Around XX/XX/2017, I noticed there was a {$250.00} charge in the escrow section on my mortgage loan with Lakeview. I called Lakeview to find out what that was for and was told it was for homeowners insurance. I told them I had insurance and that my insurance agent notified them of that. She said they didn't have any record of it and had tried to call me several times, but I don't answer calls from numbers I don't know unless they leave a message. No message was ever left. If a message had been left, I would have called right away. The person that was helping me, got the phone number of my agent, she called him, verified that I did have insurance and told me the {$250.00} would be removed and the next monthly statement would reflect it. When I got the following month 's statement, the {$250.00} was still on there, so I again called and the person I talked with, verified that I did have insurance through XXXX and she would make sure the {$250.00} was removed. The next monthly statement came in with the {$250.00} still in place. I called several more times and each time I talked with someone, they verified I had insurance through XXXX  and I was assured it would be removed. This has been going on for 2 years now. I spoke with my attorney about it and he wrote a letter to Lakeview and was told it would be removed. It STILL has not been removed. This is affecting my payments with them, making it look like I am behind and I am not! I have never been without homeowners insurance. There has never been a lapse in home owners insurance! They know I have it, yet they refuse to remove it from my escrow account.
Consumer complaint received 2020-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I filed a stolen card report with Chase Bank. I was told the information provided was inconsistent because after reported the card stolen, I used the card less ATM in the Chase Bank to handle my daily expenses therefore my reversals was denied and now my account is over drafted over {$3000.00} and was not given specific information on what further documentation was needed in order to proceed with the investigation.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Ally Financial # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Sir/Madam, I am writing to file a formal complaint regarding a violation of my credit reporting rights, which has resulted in inaccurate and misleading information being displayed on my consumer report. This issue pertains to the reporting of transactions on my credit report, specifically regarding the display of balances and payments. I believe this practice is in direct violation of relevant statutes, including 15 U.S.C codes and 16 CFR regulations.

According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), creditors have a legal obligation to provide accurate information to consumer reporting agencies. Furthermore, 15 U.S.C 1681b ( f ) specifies the permissible purposes for obtaining consumer reports, and any information provided must be accurate and verifiable.

Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time.

Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my consumer report. I also urge the bureau to ensure that creditors adhere to the provisions outlined in the FCRA and other relevant statutes to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-12
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: Experian Information Solutions Inc. (MS)

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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, XXXX XXXX XXXX XXXX XXXX XXXX  I looked over the credit report and found that DATES ARE INNACCURATE.ALSO, I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof INNACCURATE DATES, and also my current address, social security card, Bank Statement, driver 's license and utility bill This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THIS FRAUDULENT INCORRECT ACCOUNT FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNT DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, I HAVE ATTACHED THE INACCURATE ACCOUNT THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX