davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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 several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-02-15
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. (FL)

I have disputed this account with the credit bureaus but continue to report the error please investigate and corrected as soon as possible Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experiant XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Consulting Services, Inc. (CA)

credit consulting services XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX is attempting to collect on medical debt that was included in BK back in 2012. They are reporting 9 collections on my credit report every month causing my scores to drop. I called asking them to remove these erroneous collections instead they asked for my current address, employment, phone numbers all supposedly for the purpose of verifying the account and my identity and NOW i'm getting calls at home and work at XXXX and all they day to XXXX or XXXX at the evening from harassing and rude collectors of theirs attempting to collect debt and this morning XXXX XXXX collection agent from credit consulting services stated she has a sheriff heading to my house if I didn't pay her the money ... and I would be arrested ... how is it even legal these days to harass citizens this way ... please help me stop this non sense ..
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I have a mortgage in Selene Finance, my account is # XXXX. 
A part of my monthly payment is an amount intended to be accumulated on escrow account. This means that Selene Finance collects my money so to pay property taxes behalf on me. 

On XX/XX/XXXX I discovered that my property taxes for XXXX and XXXX haven't been paid by Selene Finanace. It's not a deadline for XXXX tax, but they missed the time when it could be paid at a lowest rate. 

I made a call to Selene Finance on XX/XX/XXXX and informed them about this situation. A person in call center confirmed, that the amount collected on my escrow account is sufficient to pay taxes, but, he said, " for some reason disbursement never was done ''. He said that he's going to initiate investigation which can take up to 10 business days. I waited 10 business days and called them again. They said they still working on it, I have to wait more and they will let me know upon completion of the investigation process.

I said I disagree with it and required to transfer my call to supervisor. However, he was not available to respond. They scheduled call back within next 24 hours but nobody called me.

I absolutely sure that 2 weeks is absolutely enough to solve this problem. 
There are very simple facts for their consideration. They collected my money for specific purposes ( to pay my taxes ) and they did not pay my taxes. It looks like they misuse my money. 

I feel they absolutely no rush to solve this problem.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX 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 2015-07-07
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: Mercedes Benz Financial Services (CA)

On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-06-11
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-02-02
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. (PA)

I recently received a copy of my consumer report from XXXX, Transunion and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over an extended period, I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information THD/CBNA Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information TARGET/TD Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection Experian XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection
Consumer complaint received 2019-06-22
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)

The following account had fraudulent charges made on it and they have re-aged the account as well. The date open is wrong and the date of major delinquency is re-aged and wrong. The credit limit is not listed and it is also listed as a factoring company which it is not. 

XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO-XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$660.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$660.00} Date Reported : XX/XX/XXXX Amount Past Due : {$660.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 14 Creditor Classification : Financial Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR CA XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CO)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX  XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX  however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CARD Corporation (MD)

Today XX/XX/2019, I ordered a XXXX ride, the amount for the ride was {$20.00} but I was charged on my card in the amount of {$25.00} and it had XXXX XXXX by the amount. 
I live in XXXX not XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/XXXX, Bank of America, blocked my credit card that we had with them since XXXX, without notification. They lost my, and my wifes Social Security number, and wanted me to replace the numbers without telling me what happen. My wife is a handicap individual and uses this card to purchase on line. Many years ago we had identity theft. Due to this, and because this was a charge card, I did not give them our numbers. Bank of America claims that they sent me a letter in XXXX. ( I did not receive one nor do they have a return receipt. ) I believe that they blocked our cards due to their own incompetency, and that created server social and financial embarrassment to myself and my wife. This complaint is the first step that we will take. I intend to have us made whole for our time, embarrassment, and loss of credit power on this incident. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (OR)

History : We moved to XXXX in XX/XX/XXXX. They lied to us about the savings we would see, the coverage we would have, and the bonuses we would receive if we switched over. I made FCC complaints and over the course of 4 months tried to get this resolved. In XXXX we switched over to XXXX. XXXX refused to port my number for 2 days, leaving me without a phone and costing me {$15000.00} in commissions. I filed another FCC complaint. Our agreement with XXXX said if we left them, we still had to pay the monthly cost of leasing the equipment. However, they then demanded the entire payment at one time. I would try to talk to them, but they refused to talk to me, saying they could only speak to my husband, who was the primary holder of the account. Over the course of the last two months, he has played phone tag with them trying to resolve our issues with them. 

Reason for this complaint : yesterday we received two pieces of mail. The first was from a collection agency, saying that XXXX had handed over our account to them. The second was from XXXX ( both letters were dated XX/XX/XXXX). XXXX was demanding full payment of the lease amount by XX/XX/XXXX or they would hand the case over to collections. My husband called the collection company and found out that XXXX had emailed, on two separate occasions, my XXXX year old son to demand payment. My son 's email is not associated with the XXXX account. My husband 's email and my email are. XXXX did this before during the 4 months that we battled with them ( although it was calling my XXXX year old sons ). We clearly let them know at that time which phone numbers belonged to who, and ensured the only emails on the account were my husband 's and mine. They did not call my husband, or I about the account. They did not mail anything to our home prior to XX/XX/XXXX. They purposely contacted a minor, multiple times, and made no good faith effort to contact either of the adults on the account.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

In XX/XX/2018 I was contacted by a lawyer claiming to represent a creditor I owed from a loan. I made payment arrangements through said lawyer to avoid going to court. The amount due to the creditor was agreed upon as {$2400.00}. I made {$360.00} in payments between XXXX and XXXX of 2018. In XX/XX/2018 I noticed on my credit report that the balance was being reported as {$2300.00}, which is entirely incorrect as I had made payments which indicated my balance was {$2100.00}. I disputed the account through the XXXX Dispute process and the account was removed due to an incorrect balance being reported. Today XXXX XXXX, I received in my regular mail a notice of hearing for this account in which the lawyer is attempting to reinstate judgement due to failed payments. On the lawyers Motion he states that as of XXXX XXXX I have not made payments as agreed which is entirely false. They also state the judgement amount should be for {$2200.00} plus court costs which is also incorrect due to the payments I had previously made.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (MD)

Chase recently mailed notices regarding changes to its card member agreements. It stated that account holders will be subject to binding arbitration unless a written opt-out letter is sent to an address in Delaware. It also included language with regards to the Military Lending Act. 

According to the MLA, a creditor is not permitted to force active duty military consumers to arbitration. However, I have been told I am not covered by the MLA because I opened my credit card accounts before the XX/XX/2017 date when Chase began compliance with the MLA. Therefore, I am subject to the changes regarding arbitration. I have read over the MLA, and it states that a consumer is covered borrower if the consumer is active duty when 1 ) the consumer becomes obligated on a consumer credit transaction or 2 ) establishes an account for consumer credit. According to Chase, I don't qualify for the 2nd condition because I opened my account prior to the compliance deadline. I don't quite understand the 1st condition, but if I use my credit card after the compliance date, am I no longer obligated on the transactions on my credit cards because Chase says my accounts don't qualify for MLA? Or put differently, I am XXXX XXXX military so don't I become a covered borrower when I use the credit card because I am now obligated on the transaction?