davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: MISSION FINANCIAL SERVICES CORPORATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have a checking account with Citizens bank. They apparently signed me up for an overdraft line when I opened the account. They have never shared with me the balance outstanding on the line ( I never knew I had a balance! ), do not share any statements, and do not provide any statement online ( specifically the " statement '' section related to the overdraft is empty and shows no history ). In addition, once I spoke with them and they told me there is a balance, there is no way to pay the amount online when you try to go through their process. 

It seems as though there is a very intentional effort here on the part of the bank to ensure the consumer isn't aware he has an overdraft and can charge her 24 % p.a. 

Extremely slippery!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian - On XX/XX/2019, I submitted my dispute for XXXX/XXXX showing I was 30 days late. Instead of disputing the 30 days late, Experian udpated the date of account closure. This was not even close to what I was disputing! 
Experian gave me a textbook answer that they reached out to the bank, they follow the law, and their investigation confirmed I was late. However, on XX/XX/XXXX, XXXX/XXXX sent me a letter indicating that they have sent a request to the credit reporting agencies to remove the delinquency from the credit report and to allow up to 45 days for the credit reporting agencies to update their records. It has been over 45 days and this is still showing as late on my credit report.
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (VA)

This is a follow up for COMPLAIN ID XXXX CHRYSLER CAPITAL just came with another balance I'm supposed to pay after 2 year I returned this car and paid the full amount they asked me to pay. 

Now my account reflects {$370.00} They keep trying to charge me money for no reason.
Consumer complaint received 2019-10-11
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 (FL)

On XX/XX/2019, I received two separate unauthorized transactions in the amounts of XXXX USD and XXXX USD originating from XXXX XXXX XXXX, XXXX despite the fact that I reside in XXXX, FL and made prior purchases in XXXX on the same day. I promptly contacted my Bank of America fraud department as I didnt authorize the transactions and spoke with XXXX, in Bank of Americas XXXX office, who promptly closed my card and opened a claim and informed me that as soon as the charges posted, I would be extended provisional credit while the claim was being investigated On XX/XX/XXXX XXXX, I contacted Bank of America once again by phone and advised that I had not yet received provisional credit as promised and was informed that despite the prior agreement, I would not be receiving credit until the investigation was finished, but that she would request a hardship credit. 

On XX/XX/2019, I called once more to follow up on my claim and was informed the matter was still under investigation and that I would be informed by XX/XX/2019 of either the outcome of the investigation or of provisional credit. 

On XX/XX/2019, I was sent an email that the dispute was rejected without a basis for that decision. 

Upon contacting again on XX/XX/2019, I was informed by XXXX in Bank of Americas Tennessee office that the claim was rejected solely on the basis that there were no other transactions attempted on the account after the initial fraudulent transactions. I, then, requested an appeal and was informed that Bank of America would reconsider the claim, but theyd have 45 days to make a decision and wouldnt have to extend provisional credit in that time, which indicates that they may have denied my claim to circumvent the Regulation E requirement to extend me provisional credit within 10 business days of the claim date
Consumer complaint received 2021-02-17
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. (NC)

I have wrote several letters and XXXX card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc. (FL)

On XX/XX/2019 I and another person signed a sales contract with XXXX XXXX company with the given understanding of our rights to cancel out the contract within 3 business days in which we did sign the cancellation form at the given time the cancellation form was given to us by the XXXX XXXX salesman which did the contract he gave us the cancellation form he also explained we sign it and turn it in if we wish to cancel within XX/XX/2019 after signing the contract we came to a agreement to cancel out so we both sign the cancellation form on XX/XX/2019 forwarded a copy to XXXX as told XXXX refuse to honor the cancellation as agreed to. We called United Consumers Finance and told them about the cancellation but they later reported to our credit bureaus as a open account with them though It was a cancellation. We disputed the accounts as inaccurate information even though we sent in a copy of the Contract we signed with XXXX and the Cancellation for which was given to us by XXXX Representative sign by him and by us to all 3 credit bureaus XXXX, XXXX   and XXXX  still allow false reports damage our credit standings they said that if United consumers Finance tell them to keep it on our credit they has to do it. XXXX was rather rude they allowed one of us to file another dispute and rudely deprived the other person of their equal right to file another dispute as well We was told by a letter sent to us by United Consumer Finance that they will report to all 4 credit bureaus on us and that this will damage our credit that in the future we will not be able to use our credit to purchase a car or home we feel our rights and credit standings as citizen has been violated illegally very awfully by all 3 Credit Bureaus as well as United Consumer Finance company. We feel discriminated against also United Consumer Finance has reported on our credit report as good standing as if we were paying them which we never gave them a dime we told all 3 credit bureaus that they were reporting lies on our account but they still went along with them and did not take fair action. 3 credit bureaus supported United in their wrong doing and they still is at this point. So as far as we are concern XXXX, XXXX, and XXXX is no good to us as Citizens when it comes to justice and fairness What do they Care? Every dispute investigation The credit bureaus updated {$1700.00}. to be accurate in debt to United Consumer Finance reguardless of our documented proof but because United Consumer Finance tell them to leave it on our credit reports they do it XXXX!!! Yes we are seeking help to protect our rights because Credit Bureaus sure don't Wow they team up against you with the bad guys so consumers beware!!!! I would not wish this on my worst enemy
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2021-02-17
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. (TX)

Ive sent in XXXX letters to all three major credit bureaus about verification of debut on my credit report on XX/XX/2021. I also sent out a 30 days notice to these three bureaus without response and mailed out to you all the same information for proof. It is now XX/XX/2021 and still no response on the actual verification of debut for accounts on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. This for late Payments on XXXX XXXX XXXX XXXX, XXXX  has a false address on a account and claiming to be my debut, XXXX and also 3 false addresses and inquiries.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My debit card was fraudulently used on XX/XX/19 in the amount of {$1200.00}, I received a text from the bank asking if this was my transaction, I replied no but they processed the transaction anyway. Causing my account to now overdraft they took the amount out of my savings account.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I am a long-standing business client of HSBC. Last week we had some ACH fraud on our business account and lost {$120000.00} in a few days. I have been getting the runaround from all HSBC reps. No one is proactively able to help me get my money back.
Consumer complaint received 2024-05-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LAKEVIEW LOAN SERVICING, LLC (RI)

On 5/16 Lakeview LLC and Parent Company XXXX XXXX received a Debt validation and verification request from the consumer. The consumer believes that Lakeview is using false, deceptive, or misleading practices trying to enforce the alleged debt. Therefore, I ( the consumer ) am disputing the alleged debt and request that Lakeview provide the following information pursuant 15 U.S. Code 1692-1692p most commonly known as, and thereinafter, " The Fair Debt Collection Practices Act ( FDCPA ). '' Definitions pursuant 15 U.S. Code 1692 : ( 1 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 2 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The consumer disputes this debt in its entirety. Pursuant 15 U.S. Code 1692g, the consumer requests : 1 ) the name and address of the ORIGINAL CREDITOR ( See definition above ), therefore, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment.

Verification is defined as : confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Judgment is defined as : The official and authentic decision of a court of justice upon the respective rights and claims of the parties to an action or suit therein litigated and submitted to its determination. The final decision of the court resolving the dispute and determining the rights and obligations of the parties. The law 's last word in a judicial controversy. ( XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ). 

I request that Lakeview LLC and Parent company XXXX XXXX obtain verification of the debt or a copy of a judgment, according to the definitions above, of the name and address of the ORIGINAL CREDITOR.

This is the consumer 's good faith attempt to resolve this issue that has caused the consumer emotional distress, mental distress, and monetary loss up to {$490000.00} due to the threat of foreclosure.

Thanks
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports ( TransunionXXXX ) I have not applied for anything and these need to to be removed. 

XXXX XXXX, XXXX. 
XXXX : XXXX. XXXX, 2022 XXXXXXXX XXXX XXXX : XXXX. XXXX, 2022 Transunion XXXX XXXX XXXX : XXXX. XXXX, 2022 XXXX XXXX XXXX : XXXX. XXXX, 2022
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (DC)

So its an overdraft on my XXXX XXXX account for a closed account check that I didnt know was close that I receive and I was wondering why do I have to pay the bank back if the check was bad or the account was closed and Im trying to get another bank account but I cant do to the overdraft fees that been placed on my credit report!!!!!!
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

EDS Financial INCORRECTLY reported on XX/XX/XXXX that my student loan was 90 days past due. The amount due was a one time payment of XXXX dollars was due for XX/XX/2019. I paid it over the phone. I contacted EDS Financial on XX/XX/XXXX to see what was the problem. They admitted on the phone that they failed to see the payment of XXXX, made on XX/XX/2019 ; and because of that -- they were sending me a new form to " re-do '' it all. That was the exact conversation on XX/XX/XXXX. 

They didn't know I made the payment until I informed them of it, and I stated my email had a receipt of the payment. Then they found it. I was happy with that. I WAS HAPPY WITH IT AND THE YOUNG LADY WHO FIXED IT ALL DID A GOOD JOB. She was sending out another form to correct what was not done. Then afterwards, I called back afterwards to confirm the address. All was well. 

WELL! The very next day, my bank alerted me that EDS had already placed a 90 days late on my credit report and my score went down 100 POINTS! I Immediately called EDS.

A different Rep came on than the young lady did the day before. She could not explain it, and she said wrong things. At first she said it was because I was late -- but when she checked they saw the payment. After that I asked the person why could she not fix the mistake, and she said a Supervisor would have to call me back. No one called back.

I have the receipt of the payment, and the prior payments were ZERO. 

Please help. 

XXXX XXXX
Consumer complaint received 2021-06-15
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. (CA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SHABANA MOTORS (TX)

Shabana Motors XXXX XXXX XXXX XXXX XXXX The attached document is how much my car is in need to be fixed, the quote is from a direct partnership with Shabana Motors, meaning XXXX is a credible place to receive a quote, Shabana Motors manager told me that the people at XXXX XXXX probably wanting to overcharge me, which makes me question, why are yall in a partnership with XXXX if you dont trust them? My car at this point no longer drives, I think that the vehicle I currently own needs to be put down in a junk yard.my car is only worth XXXX $ but I bought it for {$16000.00}. This car is completely dead and no longer drive-able, my note is {$500.00} a month, I am a XXXX year old XXXX XXXX working 2 jobs and my car is very expensive with repairs and the lease is highly expensive. They are threatening me with repossession. I need help!!!!
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

A XXXX XXXX credit card was opened in my name 8 years ago. I have called portfolio Recovery collections who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to XXXX and still after a year I have no resolve.
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Consumer complaint received 2023-02-10
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX ( XXXX creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  TX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX. ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7200.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.