davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I was in XXXXXXXX XXXX XXXXXXXX, XXXX, during the carnival season. While relaxing on the beach, I purchased a vape from a street vendor who was walking around selling them. After attempting to pay with my card, the vendor mentioned that his machine was not working properly and took my card to fix the issue with an associate. 
The vendor observed me entering my pin, and upon his return, he handed back my card along with the vape. However, I later received a notification from Capital One showing a charge of {$3800.00}, which included an additional {$29.00} charge from bar that mistakenly charged me twice for a drink. Despite my attempts to dispute the charges, Capital One declined my claim twice, citing inconsistencies in my story and the use of my pin during the transaction. 
As XXXX is my second language, there may have been translation issues that led to misunderstandings. I kindly request your assistance in resolving this matter and recovering the funds that were fraudulently taken by the street vendor, especially considering that items sold on the beach in XXXX do not cost such exorbitant amounts.
Consumer complaint received 2022-12-05
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. (NY)

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. 
XXXX  Account # XXXX, Account # XXXX ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 


According to my most recent transunion Credit Report, 2 accounts with " XXXX XXXX XXXX XXXX XXXX '' were opened without my consent. The first Account was opened on XXXX XXXX with an outstanding balance of $ XXXX # as it shows on transunion ( XXXX ) The 2nd Account that was opened without my knowlege or consent was opened on XX/XX/2022 with an outstanding balance of {$1600.00}. Account # as it shows on Transunion ( XXXX ). I am not a missouri resident nor do i know anybody or have ever been to missouri & there should be no reason that i owe this bank anything at all.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (AZ)

PHH Mortgage changed the amount that was due on my monthly mortgage without proper notification. They raised the monthly amount by approximately {$100.00} per month. I continued to pay the old amount because I was not aware of the change. I noticed my XXXX  score was reduced so I investigated the reason and found out that PHH put my mortgage in default. Apparently I paid approximately {$100.00} less than required because I didn't know there was a change in the monthly amount. 

I have not missed any payments in over 12 years of paying this mortgage and PHH put my mortgage in default after only two months because I was behind by approximately {$200.00} on two monthly payments of over {$2600.00}. I have paid the ( now ) {$300.00} that was underpaid but they have damaged my credit score and put my mortgage in default due to their predatory practice of poor notification.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

I received one mysterious email from IC system to click on a link regarding a debt. The link didn't work and I assumed it was spam or a scam. They sent another. Same thing. The below information is all I have so number. Nothing in the mail, nothing tangible and no calls. This company is either a scam or if legit not handling things properly. It says a XXXX account yet I have not had XXXX since switching services last XXXX of 2021 and my bill was paid in full and I have an email from the escalation team bringing my balance to XXXX. Even when I called them the number always states nobody is available. 

XXXX
Consumer complaint received 2021-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX  XX/XX/XXXX {$6400.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX XXXX These accounts are fraudulent and were possibly opened due to identity theft. I challenge the accuracy, compliance, and reportability of these accounts. Please validate this information with these accounts and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (OH)

i haver a medical bill from 2020. My daughter went for a doctor appointment. I told them i had XXXX and they submitted the bill to her Mother 's insurance then contacted me a year later to tell me i had an outstanding balance. I told them they were supposed to submit it to XXXX then they told me it was too late to file with XXXX now. I told them their ignorance shouldn't be my problem so here we are. My problem is the lack of training and incompetence at the call centers ... if they file it wrong it becomes someone else 's financial problem.
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (AL)

I currently lease a XXXX XXXX XXXX XXXX through Ally. I am within 90 days of the end of this lease and as I have done many times before with leased vehicles, I considered trading in the vehicle early. I contacted Ally on XXXX/XXXX/XXXX to request a payoff amount and was given a figure of {$23000.00} good through XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I decided on a new car to purchase and arranged a trade-in deal with the dealer based on them taking my XXXX XXXX XXXX and paying off the lease through Ally. 

When the new car dealer went to verify payoff information through Ally, they were told that the payoff amount of {$23000.00} that I was quoted was only good if I purchased the car for myself. In order to take the Jeep on trade, the dealer would have to pay Ally over {$27000.00} in order to payoff the lease. I feel that having different payoff amounts is a deceptive practice by Ally. I understand that early payoff of the lease is a calculation based on the original lease contract terms including the vehicle 's agreed-upon residual value. That amount should not change whether I am buying the car for myself or trading it in to a dealer. There is no mention in the lease contract of the difference in payoff of the lease for me buying the car vs. trading it in.
Consumer complaint received 2021-09-25
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. (MD)

I am identifying myself as the consumer, XXXX XXXX. As the consumer, I am requesting to see where Transunion is getting the information of an alleged bankruptcy they are reporting on my credit file! I have requested my consumer report from XXXX which is where Transunion told me they got the information but it is not on my XXXX report. I have wrote to the bankruptcy court who have informed me that they do not report to credit reporting agencies yet, Transunion has the bankruptcy court as the furnisher on my credit file. The fact that Transunion is telling me they got their information from XXXX but is reporting the furnisher as the bankruptcy court is a violation. My report is supposed to be 100 % accurate but it is not. According to 15 USC 1681n you are criminally and civilly liable and can be sued for damages to my file if this is not deleted
Consumer complaint received 2019-07-30
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. (SC)

I had purchased a new XXXX truck and financed with XXXX XXXX XXXX. In XX/XX/XXXX I lost my job and was unable to make the payments. I voluntarily turned the truck back into XXXX. The balance after the sale was {$9700.00}. I was unable to pay the balance. XXXX hired a law firm and was awarded a judgement against me. My credit report shows the account closed and charged off. XXXX continued to add late pay on my credit every month because of the balance. On XX/XX/XXXX I called XXXX to question why the monthly remarks continued since all credit reports the account was closed. XXXX advised their records indicate the account is open. 
How can the account remain open since a judgement has been awarded against me. How can all the credit bureaus report the account closed. 
Im confused how the judgement wouldnt close the account. The monthly fail to pay has been placed on my credit report for 15 months
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MD)

To AMERICAN EXPRESS : Credit Decline Application # XXXX OFFER REJECTED NOTICE ATTN : AMERICAN EXPRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of making a request for something. A written request to have a certain quantity of land at or near a certain specified place. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented. 


Means For purposes of this part, an application for a loan or other service is as defined in Regulation C, 12 CFR 203.2. in CFR This correspondence is in regard to the application denial of credit on XX/XX/2021. The adverse action offer is hereby rejected, credit application is a financial asset according to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 CFR 240.10b-1, 15 U.S. Code 78ff, 15 U.S. Code 1691 ( a ) ( 3 ), 18 U.S. Code 241, 18 U.S. Code 242 Reconsideration : Open end consumer credit card pursuant to 15 U.S.C.1602 ( m ) with maximum allowable by the applicable law, 15 U.S.C 1602 ( j ). Balance will be zeroed out on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Once it is available.

Final offer is non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under Regulation Z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 


You meaning AMERICAN EXPRESS and any of its agents, affiliates, subsidiaries, assignes, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 


Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : Without Recourse
Consumer complaint received 2022-10-08
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. (TX)

Incorrect information on my account. Account claims I had 4 late payments on a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX of XXXX. And XX/XX/XXXX.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 
XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2017-08-24
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: CITIBANK, N.A. (CA)

Citibank N.A. did a hard inquiry without my permission. Their authorization request to obtain my credit report did n't say that they will do a Hard Inquiry. Furthermore, the authorization to obtain a credit report is written in very small letters at the end of the page, making it hard to notice. To sum up, there was no approval for the hard inquiry, and Citibank N.A. did it without my permission. Even if I authorized them to obtain my credit report, I did n't authorize a hard inquiry! 
This is why I am asking the dispute of the hard inquiry from my credit reports!
Consumer complaint received 2022-08-18
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. (MI)

This is my several endeavor to tell you 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 an 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 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 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (OH)

I received an alert from XXXX XXXX, stating that a credit card from indigo-XXXX  was opened in my name and has a charge of XXXX I have never applied for a card with this company nor do I own one. 

Please send any correspondence about this complaint to my mailing address. my address is XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX Ohio XXXX
Consumer complaint received 2021-09-25
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. (NC)

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!
Consumer complaint received 2022-08-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (IL)

I should start out by saying that I filed a complaint with XXXX  XXXX XXXX Washington DC & XXXX Pennsylvania, # XXXX. I have been trying to take an early withdrawal of a cd  since XXXX. On XXXX I called to verify and was told that the transaction where I close the cd and have funds transferred to an account at another bank ( all information on file ) was in process. I sent a few messages, they reply after a few days telling me that it is in process. Yet it is XX/XX/17 and the cd still shows active, funds have not been transferred. There are 60 minute wait times when trying to call them.
Consumer complaint received 2018-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (GA)

I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. 

We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? 

We need help with our VA Loan!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (MD)

Upon examine my credit report, I identified an unfamiliar account ( TSI XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific to this account. Regrettably, TSI has neglected to respond to my letter that was received on XX/XX/2024. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this alleged debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed. I have attached the documentation sent and the proof of delivery.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

The credit bureaus stated my account was properly investigated for an bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking numberXXXX
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.
Consumer complaint received 2022-01-13
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. (IL)

XXXX XXXX XX/XX/XXXX I NOTICED A COLLECTION ACCOUNT ON MY CREDIT REPORT I DISPUTED IT WITH THE CREDIT BUREAUS AND IT WAS DELETED XX/XX/XXXX IT WAS REPORTED AGAIN AROUND XX/XX/XXXX I DISPUTED AGAIN IT GOT DELETED XX/XX/XXXX AND NOW HAS REPORTED AGAIN I HAVE REACHED OUT TO THEM AND THEY WILL NOT DELETE IT.