davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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)

XXXX XXXX  , Inc. RE : XXXX XXXX XXXX XXXX . I have a check that was deposited in XX/XX/2019 for {$9500.00} .The check was held for over a week and cleared my account then in XXXX it was said to be a duplicated deposit?? I do not know what that is and how do I check and see if someone has done something to my account? How can a check be deposited twice?? It was deposited at a different branch in the XXXX XXXX XXXX branch. My account is XXXX checking. I have already sent a dispute over a year ago with no response or follow up!!
Consumer complaint received 2023-01-03
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. (GA)

On XX/XX/2022, i requested a home mortgage from XXXX XXXX Mortgage, XXXX. A company named XXXX XXXX appeared on my consumer report on XX/XX/2022 and again on XX/XX/2022. When i spoke with a manager from XXXX XXXX Mortgage XXXX XXXX, she informed me she was pretty sure its the credit scoXXXX. I cant find information on the company and she, XXXX XXXX, stated it was a XXXX XXXX and XXXX XXXX Mortgage, XXXX falls under the umbrella of XXXX XXXX XXXX XXXX I asked her since there was no exchange, if they could remove the inquiry. She said no This is unauthorized use of my credit card. Theyre reporting on my consumer report and I received no benefit. If anything, this may damage me when I apply for another as my family needs a home.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

already have a complaint but i didnt know what to do, under XXXX i received a letter saying there is not enough time before sheriffs sale and wrote sayng the sales date is XX/XX/XXXX and under 12 C.F.G. 102.41 REGULATIONS OF XXXX XXXX THAT if it is withing 37 days before sale and although their letter is dated XX/XX/XXXX i sent it over XXXX and have proof giving it enough time i am scared i dont want to lose my home and they are doing nothing to help me i dont care what they say, i wrote XXXX XXXX XXXX a few faxes that is the guy who replied to my first complaint with you and he sent a letter dated XX/XX/XXXX saying they are there to help but they arent i need you please have a XXXX husband and nowhere to go
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (CA)

I sent a letter to Experian on XX/XX/2022, because of inaccurate items on my credit report. I informed them that I want them to investigate and delete all of the inaccurate information. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they inform me of the results of the investigation and that they document that the accounts are in dispute. Experian has violated federal law and has caused me undue hardship because of their negligence.
Consumer complaint received 2020-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CA)

On XX/XX/2020, I received a notice from the Collection Bureau of the Hudson Valley , Inc. ( " CBHV '' ) attempting to collect debt of {$1200.00} from " XXXX XXXX, '' on behalf of creditor XXXX, which, based on an internet search, appears to be a telecoms company based in the New York Tri-State area. 

I, obviously, am not " XXXX XXXX  '' ; I have never lived in the New York Tri-State area ; and I have never engaged in any transaction with XXXX. CBHV is attempting to collect a debt from me which is not mine. 

Upon receipt of the notice from CBHV on XX/XX/XXXX, I immediately mailed CBHV a letter stating that the debt does not belong to me, and demanding that they provide any supporting documentation supporting their claim or else cease their collections effort. I mailed that letter on XX/XX/2020 to the address listed in the notice I received ( XXXX XXXX XXXX, XXXX NY XXXX ). Admittedly, I made the mistake of mailing it through USPS standard mail instead of certified mail. 

Since mailing the demand letter to CBHV on XX/XX/XXXX, I have not received any response from CBHV -- they have not provided any supporting documentation proving that the debt is mine. 

Today, XX/XX/2020, I received notice from XXXX  that CBHV has filed a report of a collections action against my credit account. CBHV has failed to respond to my demand letter within 30 days and continued its collections action, both in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).
Consumer complaint received 2021-03-31
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. (TX)

On XX/XX/2021 I submitted a written request to Equifax disputing inaccurate/incorrect information I discovered within my Equifax credit file. For the following : XXXX XXXX XXXX {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX  {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Equifax. Equifax did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Equifax reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 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 public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

It is my belief that I have been overcharged by Lexus of XXXX XXXX XXXX on the lease agreement for the following charges : annual percentage rate, fees, taxes, or other charges. I am also in the belief that Lexus Financial Inc is aware of the XXXX XXXX Lexus Dealership deceptive practices. 

I, XXXX XXXX, leased a XXXX  XXXX XXXX XXXX from your dealership on XX/XX/2021. 

Since the day of the purchase, I have raised some concerns to the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial over my buyers order and lease agreement. It is my argument that the sales manager and/or finance manager has increased some amounts on my lease agreement to generate a $ XXXX monthly payment. They have refused to address my argument that my monthly payments on the lease should be lower. 

In my discussions with the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial Inc, I questioned them about the following charges on the buyers order and lease agreement, A. The optional item ( nitrogen in the tires ) even after I requested that they remove this charge. The sales manager stated that he could not remove this charge because it was a required charge ; B. Why the finance manager tried to trick me into opting into arbitration after I had opted out ; C. Being charged for additional county sales taxes that are not in the amounts required by state and local law ; D. Being charged an exorbitantly amount for the rent charge and ; E. Stated to me that the money factor was 0.00020, but charged a different rate ; F. They refused to tell or show me how they calculated the amounts shown on the lease agreement by stating that these were Lexus Financial charges that they have nothing to do with. 

It is my belief that the XXXX XXXX XXXX Dealer, General Manager and Lexus Financial have discriminated against me in the leasing of XXXX XXXX XXXX XXXX, based on my race and age. 

I was shown a lease agreement similar to the vehicle I leased ; whereas this individual was given more incentives and paid less taxes and fees on their vehicle. I was told that the XXXXd Lexus dealership had nothing to do with the lease agreements. I was told that Lexus Financial Inc completed the lease agreements. 

In my conversation with Lexus Financial Inc about the information on the lease agreement, I was told that Lexus Financial Inc dont have anything to do with completing the lease agreements from the dealership. It was stated that they only purchase the lease agreements from the various dealers. 

I feel that Lexis Financial Inc and XXXX XXXX Lexus Dealership has violated the FTC, the Truth in Lending Act and the Equal Credit Opportunity Act by misrepresenting the cost of my lease, the fees and taxes charged and charge for the optional nitrogen in the tire.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opened an mortgage with XXXX XXXX XXXX in XXXX they sold the mortgage to XXXX mortgage ( sometime during that time ) I sold my house in XXXX neither mortgage company reported my MORTGAGE payment history to the 3 major credit bureaus. 

This inaccurate & lack of reporting to the credit bureaus have caused me thousands of lost $ & hiked interest rates for my current house, car purchases, & current credit. 

This lack of reporting has caused me credit pain for years ( not able to buy a car or house that I wanted ). 

Resolve : I would like both companies to add & report the XXXX mortgage payment history to my credit report. This abuse of lack of CREDIT reporting is NOT ok! 

I am furious at this. This is the mortgage companies job to do the right thing. 

I just spent 49 minutes talking to your staff to report this, now Im on line doing this. 

I need help please Thank you
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
Consumer complaint received 2018-02-21
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. (NV)

Last year in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I believe XX/XX/XXXX I disputed the status of my auto account with XXXX XXXX through them ans through Experian and XXXX  Credit Bureaus. XXXX had my account for my vehicle listed as a charge off account, but they were receiving payments through the bankruptcy trustee of Nevada during XX/XX/XXXX. I had the bankruptcy dismissed due to other issues with the bankruptcy overall, on XX/XX/XXXX. According to the law, the accounts are to return to the status they were in prior to the bankruptcy being dismissed. I challenged this with XXXX several times, and finally the account was updated on XX/XX/XXXX to past due 30 days. The charge off was removed from my credit report through experian and transunion, and was finally correct. However as of XX/XX/XXXX, XXXX has fradulently updated my credit report through experian and XXXX  to a charge off status again. I am paying on the vehicle and the vehicle is in my possession, and has never been repossessed or returned to XXXX. They have now caused my report through experian and XXXX  to reflect inaccurately, and they need to update and correct the information immediately. They need to reflect the accurate information and I have proof of the credit reports and payments they received from the Bankruptcy court of Nevada.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

I am writing in regards to an account that is erroneously being reported on my credit reports. This vehicle was repossessed by Flagship Credit Acceptance in the state of Florida on or about XX/XX/2016. Under the laws of the State of Florida UCC 9.506 and State XXXX and XXXX XXXX, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof can be provided within 14 days of receipt of this complaint, the alleged claim of deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On Friday XX/XX/XXXX I made a payment of {$670.00} to my USAA credit card XXXX XXXX XXXX. The bank put the funds on hold and did not credit my account. As a result my credit card was declined several times, and the bank refused to credit my account with my payment.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (GA)

On XX/XX/2022, {$3400.00} was deposited into my checking account. It was my income tax check. 

Prior to that, I initially deposited the check with Alliant and it was placed on hold. My account was then locked and I received notice to contact the bank. Once contacted, I was told that there was a fraud lock on my account and that the check did not clear the US Department of Treasury when they ran it. I told the guy ( from the Fraud Dept. ) that this was not true and that there was nothing wrong with my check as I had received it and not cashed it or anything. He then ran the check himself and stated that he was unsure as to why the check didn't pass as it just did with him. He then contacted the person from Fraud department who initially ran the check and had him run and deposit it again ( a second time ), it cleared. The check was deposited into my account. 

Now, today XX/XX/2022, I reviewed my account and the check was rescinded again. I contacted Alliant and was told that the check was deposited twice, so the XXXX XXXX XXXX flagged it as being deposited twice. That sort of makes sense, but its not my fault. As stated, I deposited the check at Alliant and it was held for deposit ( deposit 1 ). It was then flagged and sent to the Fraud Department. They then ran it again and deposited it back into my account ( deposit 2 ). Same check and check number. There is no way that this check could have been deposited at another bank. My banking institution is XXXX XXXX My employment check goes there and no other deposits. All of my outside deposits go to Alliant as funds for my XXXX XXXX XXXX 's future/savings. 

Please assist with this case. I'm an XXXX and not a fool. I no longer trust this banking institution and need help recovering my funds, AGAIN ( same check that I had to fight for once already ).
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANCO POPULAR DE PUERTO RICO (NJ)

This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all XXXX credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under Navient twice which is showing duplicated accounts.
Consumer complaint received 2023-07-03
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. (NY)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2021-07-07
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. (FL)

I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: D2 Management LLC (TX)

All I have is a phone number. The person stated their name was XXXX. They called from XXXX. But they didn't call me, they called my brother in California. I live in Texas. I've never used him or his phone number as a reference so they illegally obtained it. They stated I need to contact them or have my lawyer contact them to figure out how to proceed with the legal matters. They would not share information about the debt they were trying to collect.
Consumer complaint received 2021-07-07
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. (MO)

I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (IL)

I have no legal or financial relationship with tower loan but have been receiving harassing phone calls from the XXXX XXXX over someone elses debt. They have the contact information for the person they are trying to reach and have no reason to believe contacting me will provide any gainful or actionable information. I have confirmed they have spoken to the person responsible for the debt, at this time I have asked them repeatedly to stop contacting me as again I have no financial or legal interest with them. the repeated contact I feel is in violation of 15 USC 1692c Section 805
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

n accordance with the Fair Credit Reporting act XXXX XXXX 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