davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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)

In accordance with the Fair Credit Reporting act, XXXX, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Tuesday XX/XX/2019 I paid my balance in full ( XXXX ) to Bank of America for the card I have with them. It then showed I had a XXXX balance. I called in because I was seeking a credit limit increase. I looked 2 hours later at my Bank of America account and saw that there was no reflection of my payment. I called in and the operator couldnt find it either. This morning I looked and there was no reflection of my payment and now there is a new balance of XXXX. 

The confirmation number of the payment was XXXX For XXXX. I looked at the close date and realized that if Bank of America doesnt reflect this payment until the 10th they would have a right to interest, this is a tactic to fee harvest. And I would like it brought to light. Ive had this card for 4 years and Im sure this was not the only time I have been cheated.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (OK)

The open date reported on this account is XX/XX/XXXX. This account was settled on XX/XX/XXXX. No contact or collection attempts took place between XXXX. I did not receive a letter showing the account was sent to a collection agency during or after the aforementioned dates. The amount reported by Hunter Warfield Inc is grossly inaccurate in an attempt to scam more money. A default judgement was issued for {$1000.00}. The debt reflected by Hunter Warfield Inc is {$2800.00}. I want a copy of the lease agreement, the final ledger, move out inspection form ( as I was not given the opportunity to complete the final walk through with management ), statement of any damages and cost of repairs. Per the lease agreement, my security deposit should have been applied to any rent in arrears. I do have a copy of the judgement that reflects the accuracy of my statements.
Consumer complaint received 2019-06-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan Depot wrote a note of {$170000.00} fraudulently and have slandered me, created credit rift and partially destroyed my Social Media Profile. 
I've contacted Connecticut State Attorney Generals Office, XXXX XXXX XXXX, Associate Financial Examiner, Dept of Banking, Consumer Affairs Office, Tel. Direct in XXXX ( XXXX ) XXXX and recently filed a Complaint against Loan DEPOT. 

Connecticut Superior Court Docket # XXXX Judicial Branch Case Detail : XXXX : XXXX? XXXX
Consumer complaint received 2019-10-09
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: EQUIFAX, INC. (SC)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion advertised free credit monitoring, and did not mention any charge when signing up for their service. However, after signing up for their service on XX/XX/XXXX, I received a previously undisclosed monthly charge for XXXX. 

There is also no online location I can find to cancel the monthly charge.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: AMERICAN HONDA FINANCE CORP (PA)

We thought that we purchased a Honda XXXX on XX/XX/2019 at XXXX Honda in XXXX, Georgia. The financing in the amount of {$25000.00} was a college grad program through American Honda Finance Corp, with a monthly payment of {$400.00}. On XX/XX/19, we were asked to return to the dealership ( XXXX Honda  ) to pick up a covering for the trunk that allegedly had come in for the vehicle. When we arrived at the dealership, we were told that there was no trunk covering and that they just needed us to sign a new loan because American Honda Finance Corp had rejected the original loan. We refused to sign up for the new loan which had a different rate of interest and higher payment amount. Now we have the car and we do not have any license, tag or registration. We believe that it is fraud for the dealer and American Honda Finance Corp to send us home with the car on Saturday ( XX/XX/19 ), and then try to force us to accept new loan terms on Wednesday (XX/XX/19 ), and to be lured back to the dealership under false pretenses in their plot to perpetrate the fraud. 

We have contacted the dealership ( XXXX XXXX and XXXX XXXX, who have not provided any of the promised paperwork or responded to multiple emails ), American Honda Finance Corp ( they only handle payment issues ) and Honda Customer Service ( they only handle vehicle issues ).
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted TranUnion per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my to my dispute. My dispute included requested information in relation to me exercising my rights under FCRA Section 611 ( 6 & 7 ) - Method of Verification of an item on my credit report. 
The first rep that I had spoken with ( XXXX ) stated that she can not supply me with this information ( Method of Verification ) and stated TranUnion uses a third party company that verifies this. I then asked for her supervisor ( XXXX ) of which I was transferred to her. The supervisor as well refused to supply me with information to not only who the third party company is that TransUnion uses but did not supply me with the Method of Verification per FCRA  Section 611, 6, A & B. 
As a Consumer, I have the right to request this and as well receive this information per the Federal Credit Reporting Act as stated above. This Credit Reporting Agency ( TransUnion ) is in violation of this Act. They have not conducted a thorough investigation, rather then utilized a third party company ( of which is not the " Furnisher '' of this account I'm disputing ). 
I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STERLING BANCORP (NY)

I am a customer at XXXX XXXX XXXX. OnXX/XX/XXXX, I  attempted to make an ATM withdrawal ( international ) for {$300.00}. The ATM machine froze and told me to try again later, and I did not receive the money. However the bank deducted the {$300.00} and recorded it as a withdrawal, but again I didnt receive the money. I spoke to the bank 's customer service and fraud departments, and they initiated a dispute on XX/XX/XXXX. It has been more than a week, and I have not received the funds or any updates on the dispute. I called the bank numerous times and they keep transferring me back and forth between customer service and fraud department, each of them saying that they do not handle that type of issue. Needless to say, it has been very frustrating.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC (ID)

On XX/XX/2019 I received a judgement for wage garnishment from CREDIT BUREAU OF LEWISTON CLARKSTON , INC A Washington corporation. I had previously spoken with " XXXX '' at XXXX-XXXX-XXXX at wich time I requested documentation/validation of the debt consisting of the original contracts and history of acct payments etc. because I believe some of the information as inaccurate. I received printed receipts with no detail and no signatures on several accts, I waited a couple weeks then called them back to again request the original documents and " XXXX '' informed me that she had already put it through for garnishment. I had spoken with " XXXX '' about {$50.00} dollar payments biweekly once I had satisfactory validation of the debt and we were able to correct-any errors in the judgement as I did not want to agree paying an incorrect amount I wanted all the filings to be accurate before starting payments. she claims I did not follow through on my payment agreements however I simply wanted correct information before I submitted payment as some of the accts are a few years old. now I have to file a request to stop garnishment and believe this company is not entitled to garnish my wages. nor are they entitled to collect any monies from me as they failed to validate the debt and I would like to work with the original creditor that they claim they filed on behalf of
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Schachter Portnoy, L.L.C. (NY)

XXXX XXXX threatened to sue me via Schachter Portnoy. I settled the debt on XX/XX/2018 with the agreement that they will remove the threat to sue as well as the account from my credit reports. No changes have been made.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-06-11
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. (MI)

Called XXXX XXXX. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.
Consumer complaint received 2023-08-20
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. (OH)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX Ally Financial for a late payment in XXXX of XXXX Account # XXXX XXXX  XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$150.00}
Consumer complaint received 2016-07-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX   XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2019-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I made a payment on XX/XX/XXXX and freedom mortgage didnt post the payment till XX/XX/XXXX and they also charged me a property inspection fee, they claim this was done because the account was 30 days late, it was not paid thirty days late and I explained that and they are billing for this service which should not have been done, I need to get a new servicer from the fha freedom mortgage is not a good servicer
Consumer complaint received 2020-12-18
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. (NJ)

XXXX, Transunion, and XXXX still hasn't responded to my disputes. It has been over 60 days. I am heavily stressed and I've had enough of the bureaus taking advantage of me. I've attached the 30 day demand to comply. These accounts has to be deleted immediately.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (AR)

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 items : DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance {$230.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX XXXXnquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX DEPT OF ED / XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (MO)

I HAVE CONTACTED THE CREDITORS LISTED BELOW ABOUT THESE UNAUTHORIZED INQUIRES. I HAVE ALSO CONTACTED THE CREDIT REPORTING AGENCIES ABOUT THESE UNAUTHORIZED INQUIRES. BOTH TO NO AVAIL. THIS IS A VIOLATION OF MY RIGHT TO PRICVACY AND THE FCRA ... ... ... ... ... ... ... ... ... ... ...... 

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 2023-08-20
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. (NC)

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to get the accounts deleted due to the company violating METRO 2 COMPLIANCE I have paid the balance to also get a pay for deletion, but XXXX is refusing to delete the closed account
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Patenaude & Felix A Professional Corporation (PA)

On XX/XX/2024 my XXXX XXXX XXXX checking account, including my XXXX  XXXX was placed on a legal hold. I called XXXX XXXX XXXX at XXXX, which was given to me by the bank. I spoke with XXXX who I advised of my bankruptcy filing. I also provided the name of my bankruptcy attorney XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX the funds of {$680.00}, {$100.00} and {$28.00} from my minor child 's account was taken. I faxed in my bankruptcy filing document file # XXXX to XXXX. Asking for legal hold to be removed, and all funds returned. {$300.00} of this belonged to my mother XXXX XXXX to pay a bill. 

I called the office again on XX/XX/2024 and spoke with someone. At this time I was advised, they would not be able to speak with me. Since I had legal counsel, they would only speak with him. On XXXX XXXX, XXXX XXXX XXXX withdrew another {$100.00} from my account. Although they were previously provided my attorney 's name and bankruptcy document.
Consumer complaint received 2023-03-21
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. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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