davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (NJ)

I had taken out payday loans from this lender and paid in full before the final payment installment. On XX/XX/XXXX, I was sent this promotional offer via email : The Promotional Offer ( 4 Interest Free Payment Offer : " As a valued returning customer, you qualified this month for a special promotional offer. Apply today 4 no - interest payments when you make 8 successful regular payments on your next loan. Apply before the end of the business on XXXX XXXX to take advantage of the savings! Apply online by XX/XX/XXXX to receive this exclusive offer! *Only valid on 12 - payment installment loans. 

This was the main reason why I took out this loan and in addition my common-law husband was waiting for his disability payments to come in as he undergoing XXXX treatments. In addition, since I was self-employed, I had taken out this loan to handle operating expenses for my business Had I known about Lendumo bait and switch tactics, I would not have bothered to take out the loan. As scheduled all payments posted to my account as agreed. 

I made a total of 8 payments of XXXX from XX/XX/XXXX through XX/XX/XXXX. Followed by a payment of XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and XXXX on XX/XX/XXXX. On Monday, XX/XX/XXXX, I received a notice from my checking account that my Lendumo account was closed and that an additional payment of XXXX would not be processed. Lendumo tried to circumvent this transaction and tried to deposit an amount of {$350.00} which XXXX advised me to place a stop payment on this transaction. There is currently a lawsuit which involves Lendumo, so of course, XXXX will not honor any payments from them. Lendumo, on the other hand, put my account in collections and harassed and threatened me in several emails for the next couple of days until I sent them a cease and desist email in which I told them I'm considering filing a lawsuit for the harassment. They wanted me to make a money order which I could not do anyway because I would have to make the money order from my XXXX checking account.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (CT)

ON XX/XX/20 ; I Contracted to Finance a Used CPO XXXX ( XXXX UNDER VIN # XXXX with XXXX, ) ; Unfortunately I was manipulatively denied not able to TEST Drive this XXXX ( XXXX ) ; Since It was supposedly being immediately Reconditioned for me, from sitting on a Lot waiting to be Serviced from off a 3Yr LeaseXXXX ReturnXX/XX/20 ( XXXX ). I was Re Driven By Sales Rep-XXXX to XXXX ( XXXX XXXX XXXX Showroom, and Nevertheless Once the X6 Became available it was near closing time-XXXX, By This Time I had already partially Signed papers inwich ( later noticed different Amounts, and was Ushered Out of finance Office from meeting with Finance Mgr-XXXX. On XX/XX/20 this Evening, I have driven taken Vehicle home for the first time..I was Informed by Male Stranger, as I was parking One of My brake light was out. The next day-The radio shut off ( 2x ) ..This XXXX- XXXX Appears to be exhibiting Electrical Problems, While Driving it also Sounds appears to be Driving Heavy in Uphill Mode ( Dragging ) ... The vehicle has been Scheduled for Svce repairs ; However I Had to cancel Svce XX/XX/20 date. By This Time I had already XXXX  Decided to CANCEL-XXXX  Warranty-TIRE from addt'l XXXX, informed-XXXX Worth XXXX ) ..This XXXX  Warranty just so happens to Cover all the INITIAL Repairs that SHOULD have been taken care of Already PRIOR TO SALE..Rim Repair-painting, Small Blemishes-Paint-PANEL-Bumper Dings-Nicks, XXXX XXXX, XXXX..IT APPEARS OPENROAD WAS HAVING ME/BUYER ..IMMEDIATELY UTILIZE MY WARRANTY TO TAKECARE OF THIS RETURN OFF LEASE REPAIRS ( Still Have me Finance the OVER XXXX, ) ..NEW Worth XXXXonce Discovered, and calls became scarce-I CONTACTED XXXX XXXX XXXX Rel ( XXXX, Concerning being DISCRIMINATED from Prior-four XXXX Dealerships ) .On XXXX was informed, and left several Msgs to Contact Mgr-XXXX XXXX ; Until present - Mgr-XXXX never became available.This JUST OFF3YrLEASE RETURN with Repairs..XXXX Is Not Worth Excessive XXXX. ..- ( XXXXMnths ), Entitled to XXXX Price, and Renegotiate Normal price for Condition.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (FL)

I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.
Consumer complaint received 2023-01-25
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. (IL)

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus XXXX, XXXX, and TransUnion on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Consumer complaint received 2023-06-15
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. (AZ)

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Someone internally at Huntington Bank prior to the purchase of TCF Bank had created a business account in my name without my knowledge or authorization, with my social security number, and described my self-employment in the technical field ( Please see attached exhibit ). I am a XXXX XXXX XXXX XXXX and never had a business account, nor personal account at Huntington Bank, other than after they officially purchased TCF on XX/XX/XXXX at which time I maintained both my personal savings and checking account. This incident was discovered in XX/XX/XXXX. 
TCF was formerly Chemical Bank, Chemical Bank was formerly XXXX  XXXX  and XXXX XXXX was formerly XXXX XXXX XXXX  at which I held the same bank account number for nearly over 40 years until my account number changed when the merger occurred with Huntington Bank on XX/XX/XXXX. 
I spoke with Huntington Bank mangers regarding events of identity theft, including someone creating a business account in my name when I have never had a business account with TCF, Huntington, Chemical Bank, XXXX throughout all the mergers. No one was able to explain the document that was shown in the exhibit that is an attachment to this complaint. I closed the Huntington account on XX/XX/XXXX due to fraudulent actors using my account
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX XXXX
Consumer complaint received 2023-03-15
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither 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 accounts. 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.
Consumer complaint received 2022-12-14
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. (GA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX  XXXX XXXX mortgage since XXXX  2017
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an account to my consumer report that they no longer own and the debt has been paid to the collection agency XXXX in which is the new debt owner I have including documentation that this debt has been paid to XXXX and that XXXX XXXX should no longer be reporting XX/XX/XXXX ( Via : CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Our Reference No. XXXX XXXX Dear XXXX XXXX : Creditor XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, PA XXXX Phone : XXXX | Fax : XXXX Hours of Operation : M-F XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX has received your complaint filed with the Consumer Financial Protection Bureau. XXXX has researched this matter and the findings are set forth below : The above-referenced account is closed as paid less than the balance owed in XXXX  system. It is XXXX  intent to have no further communication with you regarding this matter. Please direct further inquiries on the above account to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 
XXXX has not reported the above-referenced account on your credit report. XXXX can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
We appreciate the opportunity to respond to your inquiry and provide you with the enclosed documentations. 
Very truly yours, XXXX Consumer Affairs XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX closed. XXXX XXXX. refer to client.doc ( Enclosures ) This is a communication from a debt collector. 
Calls to or from XXXX XXXX XXXX may be monitored or recorded for quality assurance. 
Page 1 of 1 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENTS Amount/Split XXXX XXXX XXXX XXXX XXXX # Acct Typ Refno Client XXXX XXXXXXXX XXXX XXXXXXXX Subtype : XXXX XXXX XXXX XXXX XXXX Subtype : XXXX Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX END OF REPORT **
Consumer complaint received 2022-10-17
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: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that XXXX had purged my account from XXXX 's data base which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and Carrington said they did not asked to haver their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2023-03-15
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

I have previously tried to resolve this with XXXX numerous times and each time they failed to address that matter at hand. I went on to file a XXXX complaint to which they also failed to respond. The complaint was closed as " unresolved '' due to their failure to address this issue. I have attached a copy of the XXXX  response. The XXXX   suggested I open a CFPB complaint. When trying to resolved the issue XXXX just sends me generic response letters not addressing the matter at hand. Only sending me a " credit reference letter ''. XXXX, as a furnisher, is required by the FCRA to UPDATE any information reporting to the CRA 's. According to their own records my loan was in forbearance from XX/XX/XXXX- XX/XX/XXXX however it is reporting late on my credit report. I have previously attached an FTC advisory opinion stating their responsibility in this matter and they have continue to ignore it. I again attached this FTC advisory stating such obligations. They are obligated to UPDATE my file and have failed to do so. I expect my credit report to be updated immediately reflecting the forbearance I was granted. XXXX is ignoring FCRA regulations and is not responding to a XXXX complaint or the matters addressed in it. Their failure to adhere to FCRA and FTC regulations is hindering me from obtaining the best rates when obtaining a home causing me financial damage. I plan pursue financial restitution if this simple matter is not fixed.
Consumer complaint received 2022-03-01
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)

The problem Am having with Equifax is that this account is passed the statute of Limitations. Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX.