davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (MI)

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (MS)

I am filing this complaint against Aldous & Associates, a debt collection agency that is trying to collect an incorrect and unfair amount from me for a gym membership. On XX/XX/2023, I received a notice from Aldous & Associates stating that I owe {$200.00} for the gym membership. This amount is incorrect and does not reflect my agreement with XXXX. The actual amount is {$120.00}. I have proof of my agreement with XXXX, my actual owed amount on the XXXX app, and the notice from Aldous & Associates. I have tried to contact Aldous & Associates by phone several times to dispute this amount and request validation of the debt, but I have never been able to reach anyone. Their phone number always rings busy or goes to a full voicemail. This is unacceptable and unprofessional. It violates my rights under the Fair Debt Collection Practices Act and causes me undue stress and inconvenience. I request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action against Aldous & Associates. I also request that Aldous & Associates stop contacting me until they provide me with a written validation of the debt and correct the amount they are trying to collect from me. Please send all future mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Or contact me at XXXX / XXXX Thank you for your attention and assistance
Consumer complaint received 2022-10-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

This will be my second complaint against XXXX XXXX. My previous one Ref # XXXX almost caused me to lose my house due to their negligence and non willingness to help me. I'm writing this complaint because now they are trying to charge me a " Foreclosure Appraisal Fee '' for XXXX XXXX In their response to my previous complaint they said - " Finally, as a commitment to highest standards of customer satisfaction, the foreclosure action was cancelled and all foreclosure related fees and/or costs and property inspection fees will be waived. '' Why are they trying to sneak in fees that they caused themselves? If I didn't check my statement I would have paid this astronomical fee for no reason. I want to know why.
Consumer complaint received 2022-01-26
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Below I have highlighted in yellow boxes of inaccurate information that is being reported on my credit report. I have also attached a picture of my Drivers license and social security card
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 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 XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-26
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. (TX)

On XX/XX/2021 I submitted a Validation Request to XXXX, XXXX and Transunion with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from Transunion Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law! 
2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
XXXX ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question Nationwide Account # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Good afternoon, I reached out to XXXX, XXXX  and equifax regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.
Consumer complaint received 2022-01-26
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. (NC)

YOU BROKE THE LAW!!! 

Dear Transunion, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing mental anguish and deep XXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story.You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible. 
Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you were not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 


ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-02-25
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: WELLS FARGO & COMPANY (CA)

A fraudulent inquiry from Wells Fargo Bank is showing on my XXXX Credit Report. The inquiry is dated XX/XX/2021 Wells Fargo have provided me with a letter they will remove the inquiry but XXXX have not deleted the inquiry from my credit file.I would like this inquiry removed asap
Consumer complaint received 2022-01-26
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. (NY)

I have unauthorized inquiries that I did not consent to. Improper use of my credit. Fraudulent account appear or charges appear on my credit report.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (WA)

I bought a XXXX XXXX XXXX through Kia Motors Finance. On XX/XX/XXXX my car was hit by a drunk driver. My insurance company XXXX issued XXXX XXXX a check to payoff the loan. The total amount of the payoff loan was {$15000.00}. And I have a copy of that Check. On XX/XX/XXXX XXXX helped themselves to an additional car payment in the amount of {$350.00} out of my checking account. Which is 100 % theft. First they claim they didn't have the check ... Then they claimed it was sent to the wrong address, which is NOT TRUE. I verified that with an Agent at XXXX who has been in total loss for decades and she told me that's a flat out lie and that the address they used is the same one they have used for years. This Agents name is XXXX XXXX. 

P : XXXX F : XXXX XXXX : XXXX I have called XXXX XXXX five times in the last 24 hours trying to get resolution and all they do is lie, deflect and blame Esurance. The Customer Service Supervisor that I spoke with at Kia Motors Finance is called XXXX. When I ask him a simply question about " their time schedule '' and their " process '' for processing the check they already have from XXXX, and refunding my {$350.00} they refuse to give me answers .... This has caused an enormous financial hearthache on me, as I already took a big loss with my car getting totaled. 

To sum up, XXXX XXXX has admitted they have they payoff check from XXXX, they are basically refusing to process that check and stole an additional {$350.00} from my autopay and refuse to refund my money ... I believe this is unethical, deceitful and illegal. 

Strangely enough XXXX told me yesterday that here seemed to be another account I have with them ... which is very strange ... But there were also issues early on with an incorrect VIN number. I had ONE LOAN and one car ONLY. Some how I found the second account that I would like an explanation for ... XXXX ... What is this account? and why do they have me owing {$19000.00} ... KMF is a very shady company and I want explanations. 

XXXX XXXX. 
XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

By 15 is code 1681, the law states it, its illegal to report my bankruptcy publicly to the credit reporting agency.Ready as follows : Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

On XX/XX/XXXX my husband passed away. I lost his income as well, I didn't draw enough XXXX benefits to pay the mortgage payment & electric bills, water bill, all insurances. I told the mortgage company what was going on XX/XX/XXXX I had a appointment with Social Security to receive spousal benefits & I started receiving them XX/XX/XXXX. I tried to pay a payment XX/XX/XXXX the company didn't take it they told me my account was in the early process of legal services. I've had representatives come to my home & ask for my husband they were informed he was deceased thats putting so much stress on me. My daughter is XXXX years old & is in XXXX XXXX of XXXX XXXX XXXX. This is truly more than 1 person can take. I've lost my husband of 30 years & I'm loosing my daughter please help me keep my home.
Consumer complaint received 2022-02-19
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. (SC)

XXXX, XXXX AND TRANSUNION BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE XXXX NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND TRANSUNION TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Data Corporation (NY)

I owed XXXX some money then I filed bankruptcy. The debt was included in my case and was discharged. Even knowing the debt was discharged XXXX blocked my account and still asking me to pay the money. Can I file a lawsuit against them?
Consumer complaint received 2022-02-16
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: BANK OF THE WEST (CA)

Failure to MOV, Fair Credit Reporting Act Request under XXXX ( XXXX ) ( XXXX ), for the items listed below within the time set forth by law .... 

Bank Of The West XXXX Open Date XX/XX/2019 XXXX
Consumer complaint received 2022-02-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I tried to open a CD account at Penfed which was promoted online. I opened the account online and they sent me the signature card requesting to sign and return with a deposit fund. I signed the card and sent it with a {$50000.00} check. After they cashed my check they told me that my social security card and ID card copies are not acceptable. I asked them to refund my money. It has been over a month since I have been calling them every week and asking for my refund and they say I get my check in 5 days, but no check yet. I am running around, losing money on my fund while they are making money on my fund. Why if there was a problem with opening an account they cashed my check? Why have they been making me run around for over a month and not refunding my {$0000.00}?
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I submitted a claim on XX/XX/2021 to Bank of America on purchases that were unauthorized purchases made on my debit card. Bank of America has come back to me and said the it's resolved but the claim is not paid. I don't understand why it wouldn't be paid back to me when I didn't make these charges.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On the morning of XX/XX/22, I attempted to use my ATM card ( issued by XXXX XXXX XXXX XXXX ) at a Bank of America ATM ( off XXXX. XXXX in XXXX, MA near XXXX  and XXXX ). I scanned my card to enter the ATM vestibule ; I was able to enter and the ATM appeared to be in working order. I inserted my ATM card, and the Bank of America ATM took my card and would not give it back. I was not given an opportunity to enter my PIN number. I called the phone number provided on the ATM machine, and was told that something must have been wrong with my card and to contact the bank that issued the card. I called XXXX XXXX XXXX XXXX immediately. They checked my account and my card ; there were no issues or flags with either. The expiration date on my card was fine, and the card is less than a month old so the magnetic strip was in good working order. XXXX was able to put in an order for me to receive a new card. 
My complaint is with Bank of America. I called a local branch, and I went in person to that local branch ( XXXX XXXX XXXX XXXX, XXXX MA ) for assistance retrieving my card since it will be a few weeks before my new card arrives in the mail. Bank of America employees proceeded to tell me that there was absolutely nothing they could do, and that the issue was with the card/other bank. When I explained that wasn't the case, and that I was seeking resolution, I was told that they can not retrieve cards from the ATM machine. They also offered no attempts at preventing this from happening to someone else ( ex : would not agree to have the ATM scheduled for service ). Bank of America refused to acknowledge the hardship that a lack of access to my money has, and at this point they have and refuse to return my property : my ATM card.