davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2019-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (IA)

I cancelled my account with XXXX for XXXX XX/XX/XXXX and get billed anyway via Paypal. The site was not working to submit a fraud claim. Chat reps would not help because they said they were untrained. I contacted XXXX to cancel and still get billed I called the XXXX # I am undergoing XXXX XXXX tests and Paypal 's rep told me they do not help XXXX like me and XXXX  XXXX XXXX and if I reported him -- I will pay. I get my refund from XXXX and money for the harassment by this rep or I sue your company for discrimination under the ADA I want no more charges from XXXX
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

On XX/XX/2022 I spoke with a representative from Receivables Performance Management rep offered me a settlement that I accepted. I made the initial payment on that call and she set up the additional payments to automatically draft my account in XXXX and XXXX. The final payment was drafted on XX/XX/XXXX and the company is telling me that the account has been closed and settled in full. The problem is the company sent this account to collections on XX/XX/2022, the same day they drafted the final payment. I contacted the company because according to the letter they sent me agreeing to the settlement states that no collections action would take place as long as the complete payment is made by XX/XX/XXXX, which it was. I have spoke with multiple representatives with the company who transfer me back and forth or disconnect the line. Yea spoke well th a lady named XXXX who said she was a supervisor, but indicates that they can report the account to collections even thought they enters into the agreement and the agreement was being upheld on my end and even though they received full payment prior to date on the settlement letter. I did not agree and she ultimately disconnected the call because I requested to speak with someone over her. I called again to speak with another supervisor who kept me on hold and then blind transferred me to another supervisor who disconnected the call as soon as she gave her greeting. This item should not have been reported as a collection and I am needing this company to honor Their agreement with me and removed the collection from my credit reports.
Consumer complaint received 2020-09-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP (NY)

I was served a summons dated XX/XX/20 on XX/XX/20 by a gentleman who came to my door for Forster and Garbus LLP ATTY. Who indicated that I owe money to my previous University in the amount of {$14000.00}. They also indicated within the summons that they are lawyers representing the plaintiff. And if I do not answer the summons within 20 days, I will be penalized and a judgment will be made against me. In addition, the company also started contacting me the same day harassing me about the money owed. 

When I explained to the representative, that there must be some mistake, because I didn't owe money to the University to my knowledge, because I withdrew my classes by submitting a written appeal to the school, as to why I was leaving the university, as I was requested to do my XXXX XXXX. He became very rude and condescending. Asking me questions such as if I was employed? And who do I work for? Then he stated that I worked for XXXX XXXX. As he knew already, but was fishing. 

This is very stressful, because I am already paying off my student loans and is in good standing, and now four years later, I am hit with this. Please can you offer any advice?
Consumer complaint received 2022-01-08
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. (AL)

Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report
Consumer complaint received 2023-05-08
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)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies (CA)

I bought my truck on XX/XX/2019 I went to buy a truck specifically a XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am an XXXX XXXX XXXX card holder they have a car purchase program they send with them with a certificate the sales man then started showing me trucks like the one they quoted me so I was okay perfect he showed me the one I got never told me that wasnt the one I sent him I assume it was the one I sent him when I saw the final print of docs which where given to me the next day I saw that it was the wrong truck I got a XXXX and the price on those are way cheaper than the one I went in for they never changed the price the finance guy lied to me about the package price ( appearance package ) he said it was XXXX and like XXXX bucks a month turns out that package was XXXX plus XXXX bucks a month when i told him to cancel he lied saying i couldnt cancel o got ripped of on the moroney sticker XXXX dollars for nitrogen gas common they charged me for a delivery fee over 1,000 dollars I put down XXXX deposit and they somehow managed to eat it.i was pressured to sighn without giving me Any documents to read I just believe what he said All the numbers do not match up I got XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had some late payments on XXXX that was in fact paid on time. The consumer reporting agencies have to report all information with complete and 100 % accuracy the account has not been late. I've attached a copy of my report to this complaint on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018 ) I'm now requesting that this account be investigated and provide verifiable proof with records showing that I had late payments. If this information can not be verified and I demand these late payments be updated to paid on time immediately, Thanks for understanding and prompt action.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

ON XX/XX/22 i received notification from XXXX of a collection account appearing on my credit report. The collection was credit collection service for a liberty mutual account i never had. 

This account was opened fraudulently due to identity theft. I have attached a copy of a FTC identity theft report along with local police report number.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I contacted Bank of America because I noticed a fraudulent charge. I was charged 4 times by XXXX XXXX for {$630.00}. 

I made contact with Bank of America representatives on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as on XX/XX/XXXX ( contact was made both in person at a financial center and over the phone ). The XXXX  case was closed several times saying that these charges were authorized and posted correctly. These charges were not authorized. I am not and have never been a subscriber of XXXX. No one has or has had access to my debit card number other than me. This is 100 % XXXX. I am willing to provide any additional information that will help resolve this. Thank you in advance.
Consumer complaint received 2019-06-13
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. (NC)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately deleted on my credit report since no proper evidence is shown as derogatory. Simply presenting a computer generated printout is no strong evidence as accurate. This is unfair reporting practice and will not be tolerated as such. So delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I tried to make a payment with Navient on XX/XX/19 online. When I went to the website, there was a posting that the site would be down for the weekend for system updates. I called the Customer Service number and received an automated message stating all systems were down for maintenance, including the automated system ; therefore they Customer Service Dept was closed. The call then promptly disconnected. I tried to reach Navient throughout the day on XXXX and was only able to get through the website after XXXX on XXXX. I then submitted my payment. 

Since my loan accrues daily interest, I called the Customer Service number on XX/XX/XXXX to have my payment pre-dated. I was told that was not possible. I then asked for a credit to be applied to my account for the extra interest I would be charged since their systems were down and I was unable to make the payment when I had intended. I was also told that was not possible after speaking with a manager. 

During the weekend of XX/XX/19, Navient made thousands, if not millions of dollars, in daily interest charges by not accepting payments from customers during this time.
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CT)

Honda Financial Services has made several errors on my credit report. I have tried several times to fix these errors with them and through the three major credit bureaus. I have not had any success. I am hoping to get the information fixed. 

The accounts that have errors are : Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Listed as charge off in XX/XX/XXXX and XX/XX/XXXX. We didn't even own the car anymore.
Consumer complaint received 2023-05-08
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. (MO)

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. Account name : XXXX XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # : XXXX, # XXXX, # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # : XXXX, Account name : US DEPT # XXXX, XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # : XXXX, Account name : DPT ED/ XXXX # XXXX Account XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX / XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX, Account name 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 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 2023-03-31
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. (TX)

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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> you received my dispute regarding some transactions and late payments that you and furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian, stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.

We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you Experian, have fraudulently verified an account without a reasonable procedure as required by law.

Delete these incomplete and unverifiable accounts and transactions from my consumer reports : All late payments, collections and Inquires
Consumer complaint received 2020-12-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

I request a refinance with the loan company that I am already with. Loan Depot-XXXX XXXX team. First, I inform him that I owe XXXX, I think, and he stated, let us make it a little high to be safe, and they will get the real amount when they request it from there company, and if it is lower, we will get at the at final workup sheet. The Rate lock ( 60 Days ) Agreement was on XX/XX/2020 2.375 %, an origination charge 0.286 % of loan Amount ( Point ) {$1300.00}, {$1300.00}. Loan Amount $ XXXXLoan Term : 360, Loan Purpose : No cash Out Refi. Loan Product : VA IRRRl Fixed 30 years. Loan Type : VA. Lock Expiration Date : XX/XX/2020 terms were extended to XX/XX/2020. Borrower sign on XX/XX/2020. New Account number : XXXX. The payment was made on the old account:XXXX balance now is ruffly {$470000.00} and sent paid before closing. I would get it back ; he rolled it over, and he got that monies. Then on XX/XX/2020, I received Maryland Loan Commitment, XX/XX/XXXXLoan # XXXX Lender : LoanDepot.Com, LLC. Borrower ( s ) : XXXX XXXX XXXX. Property Address : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX. Loan Term : 360. Principal Loan Amount : {$480000.00}. Type of Mortgage : VAXXXX Interest Rate : Fixed:2.375 % Adjustable Initial Rate : N/A Points:0.286 % Md.Code Ann., Law SS12
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Called and sent several disputes to TransUnion on XXXX/2020, XXXX/2020 and XXXX/2020 asking for verification on the dates and inaccurate information on a bankruptcy. And havent received anything back contacted bankruptcy court and they stated they can not provide in documents to third party company which TransUnion has not verified none of the inaccuracies and has not provided me any documentation on their verification.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CT)

Credit Collection Services claims I owe an amount of {$34.00} to XXXX XXXX XXXX. This debt is from a Renters insurance policy linked to an auto policy, the auto policy is in question as XXXX XXXX is attempting to add on amounts from prior polices in which the debt is not valid, a separate complaint with the CFPB is on file about this, still no reply in re. This debt, {$34.00}, is also in question as again, it is linked to that Auto policy and I had several denied claims under this renters policy. Based on principal for denial of claims, I am also disputing this debt. Simply put, I paid XXXX XXXX for coverage and they denied two claims, would not work with me to resolve either. I do not believe I should pay them when they denied two claims unfairly and would not work with me towards a resolution. The issues with the auto policy are still unresolved, I filed a complaint, mentioned above, about additional amounts added on from prior policies. These police are as old as five years, coverage was supposed to be canceled prior to any balance generated, it was not. Further, XXXX XXXX claims CCS is their in house collections department when the number is not the same nor the address.
Consumer complaint received 2019-08-29
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. (IL)

The following accounts are reflecting the wrong balances. All the following accounts should be reflecting XXXX balances. 

XXXX XXXX XXXX Closed Account Showing Balance of {$500.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX   Closed Account Showing Balance of {$290.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX - XXXX XXXX   Derogatory Account Showing Balance of {$160.00} Should Reflect {$0.00} Balance XXXX XXXX - XXXX XXXX Derogatory Account Showing Balance of {$640.00} Should Reflect {$0.00} Balance