davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

a year ago a trial mod was given and extended trial mod payments were applied to XX/XX/2011 mod allegedly which was a gray area, DTI AND NVP were not entertained as asked, ... ..Attorney was not applied as discussed by XXXX, XXXX XXXX XXXX , she said the third party letter of authorization was not pertaining to her, she did not know of XXXX XXXX XXXX that told me she would be my attorney in XXXX Nj and actual never had a office there as they stated as I requested, ... ... .Bar ASSOCIATION gave me a P.A. #, ... ... .Other attorney in XXXX now that was representing me in foreclosure rescue scam. XXXX XXXX, XXXX XXXX was impersonating a Attorney also. she was practice manager /paralegal responsible for $ withdrawl and FEMA fraud XXXX loan trying to acquire free money through fraud. He is no longer aloud to practice law in NJ BUT my real estate issues are not corrected XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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. (NY)

Subject : Request restoration credit score To Whom it May Concern, On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX Dealer, on XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount of {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at 50 miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX, XXXX, within 9 days of purchase. I cancelled the insurance ( XXXX ). As XXXX Car Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to XXXX. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York. 
In a letter dated XX/XX/XXXX, Addressed to me XXXX XXXX has the vehicle. I want my credit scores restored because it has hurt me. I had a credit score of XXXX to XXXX, XXXX points to TransUnion and XXXX points to XXXX. There's inaccurate information on my credit report. I don't have late or missing payments, I paid my bills always on time. I keep my credit utilization ratio below 1 %. My credit limit has not decreased. I don't apply for credit cards. I have no derogatory mark on my credit reports. Why did my credit score drop? Seeing my credit score drop it May cause me some anxiety. It's for this reason I take this action to get my scores back up. I demand these inaccurate information be corrected immediately for ligation due to the stress you cause me. 

I am writing to you to dispute all these remarks of correcting a mistake on my credit reports from all my explanations given, I am required to investigate on my dispute. Because there is a mistake on my credit reports from XXXX XXXX which caused all these damages on credit score.
Consumer complaint received 2021-10-09
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: William D. Meeker Enterprises, Inc. (GA)

After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted XXXX they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.
Consumer complaint received 2018-03-11
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. (CA)

I submitted an investigation for a dispute on my XXXX  and Experian credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed Experian Items - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX CO XXXX MyPointsRewards/ 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 XXXXThese inquiries BELONG on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed XXXX 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 *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-26
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. (OH)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX- lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of  that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-01-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP (PA)

Violations of Fair Debt Collection Act by Acura Financial Services. Debt settled but debtor reported to credit despite settled debt. On XX/XX/2020, I was contacted by a representative from Acura Financial Services regarding my outstanding debt for a lease return fee. At this time, I was told by the collections agent that the debt was outstanding at {$380.00}. I spoke to the agent stating that I did not have the money at this time, and offered a payment plan as a way to settle the debt, as stated by the agent this was not an option. As stated by the agent they offered {$100.00} off and explicitly stated that this matter would not be reported to a credit agency. At this time of XX/XX/2020, my credit score has dropped by 59 points. The tactics by the Collection Agent are blatantly a violation of the Fair Debt Collection Act. As the agent falsely made a promise they were unauthorized to do so in. As stated in the act, collection agents must be truthful regarding the debt collection process. This was an underhanded tactic to collect the debt. I am currently working 3 jobs, and these has severely affected my credit on a debt clearly settled. The collections agent has also not furnished any form of letter to prove the debt is settled.
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as Experian, XXXX, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Consumer complaint received 2019-08-26
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. (OH)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (IN)

On XXXX XXXX, XXXX XXXX XXXX, XXXX placed a new collection debt on my credit report to all 3 credit bureaus ' without properly notifying me. The amount of the debt is showing {$3700.00} and the original collector was XXXX XXXX. Since then, the debit has been updated on my report XX/XX/2018.
Consumer complaint received 2021-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (TX)

XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OBTAINED CAR LOANS, HOMELOANS, MEDICAL AND ETC. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (FL)

***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you
Consumer complaint received 2022-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2018-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Remex, Inc. (GA)

I requested a validation of debt from a collection agency and the sent me information that violated HIPAA. They documentation showed procedures that was performed. I never gave permission to that collection agency to have access to any part of my medical records.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

All 3 of the Credit Reporting Agencies have made it extremely difficult to obtain my information, despite the fact that I am a victim of identify theft. They are clearly in violation of the FCRA and FACT act as described in the United States Code!
Consumer complaint received 2018-11-22
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. (OH)

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, Equifax, and XXXX. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Consumer complaint received 2018-03-10
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. (CO)

XXXX has reported that my payment in XX/XX/XXXX was more than 30 days late. I have never been more than 30 days late on any of my payments to XXXX. I have been trying to purchase a home and this late payment on my creidt report is hampering me from getting a decent interest rate. I have called XXXX and the credit reporting agency XXXX uses more than a dozen times. I've had 3 way calls with them and my loan officer numerous times and can not seem to find anyone who knows what is going on. I did talk to 2 different customer service rep 's who told me that the late payment was posted to my account in error. XXXX had made a mistake but the credit reporting agency would not remove the late payment. XXXX would not remove it either. I can't get anywhere with these people. This has been going on for over 2 months! I still haven't purchased a home yet because of XXXX and their credit reporting agency. Last check of my credit report shows that the late payment is now for XX/XX/2017. It no longer shows a late payment for XX/XX/XXXXXXXX : /
Consumer complaint received 2018-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Talbot, Adams, & Moore, Inc. (FL)

I was contacted by an contractor representing XXXX XXXX XXXX 2yrs that the loan was not paid I made arrangement to make the payment and I did. And then 2yrs later someone else contacted me about not paying the same debt so i paid again and every 2yr someone keep trying to collect on the same debt. After the second time however I kept my payoff documentation I tried contacting the company about it but they said they don't have it on file.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX I did a zero interest balance transfer with my Wells Fargo XXXX that had a zero balance at the time of the transfer. 
XX/XX/XXXX I had a fraudulent charge on my card interest began to accrue once it was discovered WF credited my account the full amount plus interest. 

Around the XX/XX/XXXX I noticed they were still charging me interest on the fraudulent charge. On XX/XX/XXXX they reversed the interest charges and was promised that it was resolved and it would not happen again. I was also told that they would monitor the account to assure it didn't happen again. 

XX/XX/XXXX interest was charged again. 
XX/XX/XXXX I called to report it and was told that someone within WF had check the account and did nothing to correct it. They are now opening yet another case file to investigate this. 

Since WF has a history of this XXXX, I thought you should be aware and could look into this possible affecting other people as well.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc. (DC)

I took out a {$5000.00} loan with the company called XXXX XXXX XXXX XXXX until they decided to give my account over to another company called SST. I had no knowledge of this company making any soft inquiries on my credit account, and because this company made this inquiry, it looked as if it was a new account that I opened, so my credit score plummeted from XXXX to XXXX : - (. I do not think this is fair because I made an agreement with XXXX XXXX, not SST!! why in the world was my credit affected in this way, credit that I have worked VERY HARD to maintain???!!
Consumer complaint received 2024-03-24
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (SC)

I filed XXXX individual Disputes on XX/XX/2024 when I was made aware of fraudulent charges to my debit card from XXXX  and XXXX. There were XXXX transactions on the first claim and XXXX transactions on the second claim. On XX/XX/2024 Skylight one debit card issued me provisional credits and then took them back to make my account in the negative stating that I had not sent a letter of Dispute.. I had sent a letter of Dispute and also had filed a dispute online with the bank. I still do not have these disputes resolved.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On Tuesday XX/XX/XXXX, I sent money to an account whom I thought was the owner of a beach house in XXXX totaling {$900.00}. Originally, I had been in contact with someone claiming to be the owner regarding renting the house for the month of XX/XX/XXXX. I sent the money via the XXXX feature through PNC. After sending the money, and receiving some questionable texts from the owner, I decided to look into it further and call the listing agent on the house to confirm the owner of the house. The listing agent confirmed with me that they were not the owners, and this scam had previously taken place last year. I contacted PNC on XX/XX/XXXX, the day I found out this was a scam to file the claim. Today, I found out PNC rejected the claim because the transaction had gone through and I was told from XXXX at PNC that I would need to follow-up with XXXX XXXX ( false owner of house ) to be reimbursed. I explained this can't be done because XXXX XXXX is not a real person.