davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NV)

I received an e-mail stating I owed a debt to XXXX XXXX XXXX which originally was a debt owed to XXXX XXXXXXXX XXXX, XXXX. account. 
I called the listed number, XXXX ( XXXX ) XXXX. I entered the fake account number listed in the e=mail, XXXX, and was notified that I owed {$6000.00}. 
The e-mail they say in the original e-mail to me to contact them is XXXX. 
Im sure I do not owe such debt. 
How do I stop them and is this on my credit report? 
Thank you.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

On XXXX I traded in my lease and bought a brand new car with the same company I leased from which was XXXX XXXX XXXX. The SAME day I was released of all LIABILITY and given the forms which I have attached. On XXXX Honda Financial  called my phone which was odd because Ive never been late on any payment and I didnt have possession of the vehicle. ( I believe it was sold the next day ). I explained all of this to them and they told me they didnt care and that they were marking me 30 days late. I then called XXXX  and spoke with XXXX and XXXX XXXX who said that they was no way I was liable for anything as I didnt have possession of the vehicle and then they reached out the Honda Financial and was also treated with the same disrespect that I had just dealt with. Due to XXXX I have been in a shelter with my children and was due to close on my brand new house XX/XX/XXXX. That now is not an option. UNBELIEVABLE!! If this information was reported correctly I would accept this. However its not. This mark has damaged my LIFE! I want it removed immediately so that I can close on my house.
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

Sorry but my exact situation was not available in the selection process. 

In XX/XX/XXXX, my mother had a severe XXXX. In XX/XX/XXXX I moved from XXXX  to XXXX  to help my sibling care for her. I had to break a lease contract and had fees to pay. It went to collections at XXXX XXXX - XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In XX/XX/XXXX, I called the company and was told if I paid the two charges in full, they would be removed from my credit. And if I didn't pay in full they would be put on my credit report as refusal to pay. So I paid in full close to {$3000.00}. I do not dispute the debt was mine and correct. I have called multiple times. I have emailed every person listed as management on their website over the last 10 months. I was directed to a manger Mr. XX/XX/XXXX who was very rude and told me he would make sure it was never removed from my credit report. The account for {$2300.00} is showing as paid to XXXX, XXXX  and XXXX  on my report but it has not been removed. The account for {$550.00} is showing paid to XXXX  and XXXX  but not XXXX. I have disputed this 3 times and it has not been corrected. I have exhausted every means available to me and need your help please. I ran my credit report on FICO site and as of yesterday it is still there. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (NJ)

On XX/XX/2021 Jefferson capital systems emailed my father my entire debt account information. He is not the account holder nor has his information been provided to them. They found his email and emailed him.
Consumer complaint received 2020-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

I bought a car at the car lot, from a dealership in XXXX on XXXX XXXX XXXX, called XXXX XXXX. XX/XX/XXXX i purchased a XXXX XXXX XXXX. The bank that financed me was XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ca XXXX. There phone number is XXXX. I drive off the lot with the XXXX XXXX XXXX. The car broke down less than a hour of buying it. I took the car back to the lot and gave it back to them. They insured me they would fix the car. Long story short a week goes by I don't hear from two weeks go by I don't hear from them and all of a sudden they went out of business. They had my car and my money that I put down for the deposit. I later found out that the same company that ripped me off kept a bunch of other people 's diwn payments. Now this car is sitting on my credit when I disputed it over and over and over, that i was scammed.
Consumer complaint received 2024-02-27
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. (OH)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CO)

One three separate occasions, the last being XX/XX/XXXX ; the bank has given less cash than the withdrawal amount. This happened in the drive through and in the bank lobby. The most recent occurrence involved a withdrawal for {$300.00} dollars and I only received {$200.00}. Because this has happened on three separate occasions and I am an elderly customer I believe the branch or an employee at the branch may be committing fraud.
Consumer complaint received 2020-07-24
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. (CA)

I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.
Consumer complaint received 2024-02-27
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I made a deposit to my personal checking account in the amount of {$6000.00} from XXXX XXXX XXXX XXXX, Bank of America placed my funds on hold and I was told by a Bank of America representative the funds will be available on XX/XX/. The funds were not available on the XXXX, I called them on the XXXX and was then told it will be available on the XXXX of XXXX, the funds are still not available as of today XX/XX/XXXX, I called them again and wad told by another representative that the funds will be available on the XXXX, I wad not happy to hear that. I was then transferred to a manager who told me that the funds are on hold and he doesn't know when it will be available. Now that's 3 different representative with 3 different answers. I have my mortgage to pay and if I don't pay it I will incur late fees
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Common Wealth Mortgage Services (UT)

I reach XXXX XXXX from Intercap lending on Friday, XX/XX/2020 by the phone. We've talked about my loan application, and in the end, I agreed to upload my document through the app she sent its name. 

She was very polite before receiving the information and run my credit! Even she stopped in the road to respond to the phone as she said, unlike after credit check! 
She is not responsible for the job she is doing. She believes she should respond to those who may be a good deal. I've been waiting for days to hear from her after the credit check. 
The first time I call after a credit check, she said I'm working on the type of loan that may be a good fit for you. However, in my second call which was after days later, she said : " I'm not working on your file as I explained the reason on the other day. '' She looks very confused, I guess she talks with someone else the other day! 
To summarize : - I believe that is my right to know what she found in my wife and my credit report. I have her written text that she said we could go over my credit report by the phone. 
- When she confirmed that we could go over to the credit report in a text message, I respond in the same way : " Let 's do that when you finalized my approval. '' This text is evidence of her confusion as she claimed she already notified me about her decision. '' - I send all documents needed professionally through the company 's app and email, and I expect to hear a proper response after several times follow up. I need to receive a professional letter or email about the decision instead of receiving a text that says : " It looks like we are not a good fit ... ''!!
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

In XX/XX/2020, I became ill with XXXX XXXX. I was extremely ill and out of work for XXXX months. I reached out to Comenity about my XXXX XXXX XXXX XXXX I was finally better and able to talk and think better. I spoke with a rep and let them know I was out of work due to XXXX and that my short-term XXXX hadn't kicked in to pay. This was in XXXX. I then reached out in XXXX and spoke with a gentleman who set me up on payments. He was kind but never disclosed that my credit was in danger. Prior to XXXX I was never late and always on time. Due to this mishap, I was dinged late on my credit for XXXX, XXXX and XX/XX/2020. Since I was never delinquent prior to XXXX, I should have been covered under the Cares Act for those months I was ill with XXXX. I reached out to Comenity several times when I finally noticed the late markings and could not get anywhere with them. Those late markings are not valid and I'm trying to have them removed. Thank you!
Consumer complaint received 2018-04-10
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. (CA)

I disputed hard inquiries on my Equifax Credit Report two times and Equifax responded saying they will not investigate and for me to contact each company that pulled my credit directly. It is Equifax responsibility to validate/investigate the information with these companies, but there is a lack of responsibility on there part.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (IL)

I recently checked my credit report and I saw Monterey Collection Services for the amount of {$420.00}. 
I dont know this company I never done business with this company this company doesnt have any written signature of mine or any kind of contract with me.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I have been struggling with the servicing department at Dovenmuhle regarding setting up an auto-draft of bi-weekly payments. I finally got it setup, and because their form is contradictory, they setup my bi-weekly payment to include an extra principal amount of {$200.00}. When completing the form my intention was to make a draft of {$100.00} with each bi-weekly payment. 

I contacted their servicing department. The only way to change it is by sending an email to a strange email address. The customer service representative was very rude ( as have been all of their representatives ). She sent me an email and said I should respond to it. She would not include my loan number in the email, but said I had to include it in the subject heading in order for my request to be processed properly. I asked her why it was okay for me to respond to a non-secure email with my non-public information, but it was not okay for her to send it to me. She did not offer to setup a secure portal to communicate securely. I asked to speak with her supervisor. I was placed on hold, then after about a half an hour on hold, the phone line disconnected. When I tried to call back, the message said that they are now closed. 

The representative could not guarantee that they will draft the correct amount when the first draft is scheduled. This is not in the consumer 's best interest. This servicing company continually provides worst in class service, has systems which are not up-to date, and do not have systems in place to protect my non-public information.
Consumer complaint received 2018-04-10
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)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to XXXX   regarding a inquiry on my Credit Report regarding XXXX/XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank, closed my account after I reported issues about them to YOU. 

Now, I will be evicted, because my SSI check was scheduled to be depositied on the XXXX!!! 

I want them sued, and arrested ASAP!!!!!!!!!!!!

They can not do that to someone in my situation, I have to pay rent!!!!!!!!!!!!!!!!!!!!!!!

SHUT THEM DOWN, AND GET MY SSI CHECK ASAP!!!!!!!!
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-06-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

Ive been in contact with the company listed as the collection agency and they have sent me a letter stating they requested that all 3 credit bureaus delete the incorrect information.XXXX  as well as XXXX have removed it but Experian refuses to remove the information. Ive sent the letter to Experian stating it should be removed. Ive been going through this at least 2 years
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NJ)

I was denied an extension of credit by XXXX XXXX XXXX. On XX/XX/2022 I submitted a personal loan application through XXXX and was sent an Adverse Action on XX/XX/2022. The letter from XXXX XXXX XXXX  is proof and evidence that I have been discriminated against. XXXX XXXX XXXX  has violated my federally protected consumer rights.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My mortgage line of credit is in foreclosure but there is no sell date. About 6 months  I started asking Bank of America for reinstatement. The monthly payment was around $99.99.They sent me documents to fill out for mortgage assistance and I sent them pay stubs, mortgage information, tax information, etc.Yesterday, my representative XXXX XXXX told me they needed the information all over again that I had provided. I feel Bank of America is stalling to justify the Attorney fees and to keep adding on monthly charges. The defaulted amount is $XXXX XXXX, but they want $ XXXX in fees for a total of $XXXX. (This documentation is included in this complaint). Please investigate and find out what is going on.XXXX XXXX
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

This account is holding my credit hostage for a balance I do not owe. XXXX closed this account in XX/XX/2013 it was paid, equipment was returned. NO balance was due or is due. I have contacted IC Systems to remove it and they just re-reported the debt as brand new like an account that is due and owing. Even if I did owe money Utah has a statute of limitations of 4 years and this has long since expires. They are barred from collecting the debt.,
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.
Consumer complaint received 2021-12-04
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: Experian Information Solutions Inc. (AR)

On XX/XX/XXXXXXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, XXXX, or Experian. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, XXXX and Experian reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.