davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-05-02
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: Westlake Services, LLC (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NJ)

1 I tried to return my car in XXXX but was told that the dealership wasn't accepting returns 2 When I could return the car, I was told that I needed an oil change or I would be charged {$700.00} The oil change was {$350.00} which is extremely high XX/XX/XXXX was when I returned the car. 
BMW should have paid for the oil change as part of the warranty but it had expired because I couldn't return the car. 
3 I was told that the tire rim damage was {$1100.00}, also a high number on XX/XX/XXXX. 
4 I sent a note to BMW Financial services on XXXX and they said they would give me a credit of {$450.00}. 
I noted that I was returning the car with XXXX fewer miles than the lease ( a value of XXXX to BMW ) They said I could get a credit only if I bought another BMW I noted that I had signed a contract on a specific car but BMW then couldn't deliver the car. 
5 BMW then sent me a bill on XX/XX/XXXX without the {$450.00} credit 6 I sent them a note and they sent back a new bill 7 BMW sent me a billon XXXX with the XXXX credit but the charges didn't add up. 
8 I sent them a note saying the bill was incorrect on XX/XX/XXXX 9 They then sent me a revised bill on XX/XX/XXXX increasing the tire damage by XXXX. 
10 I sent them a note that I was paying the corrected bill and would file a complaint with the CFPB. 
11 I still think I am being overcharged because BMW should have paid for the oil change.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/year>, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXX XXXX  : -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's 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. You have NOT provided me with 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. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (GA)

SunTrust Bank repossessed my XXXX XXXX XXXX it is used and it is a XXXX. SunTrust/Truist just came and got my vehicle last night. SunTrust did not call me not did Truist. They said they had the correct phone number on file so why didn't they contact me? I had issues with payments missing and I have made multiple payments for the same month. I really do want to keep my vehicle. I received a statement for XX/XX/XXXX. This is when the payment is due for my vehicle. I explained to them that I would have to make the payment XX/XX/XXXX. I really do not understand why I have to make these payments. I have made payments online in which they locked me out of my online account. The statement clearly states that I need to make a payment for {$2800.00}. I am not sure why this is the case when I made a payment for {$1400.00} in XX/XX/XXXX. The vehicle needs to be returned. There was too much fraud on this account. I really do not feel comfortable but I am also trying to figure out why the representative for Truist recovery departments asking me for {$4700.00}. Then she went on to say that did not include the recovery fee. I declined to pay this amount and looking at my statement it did not make sense. I asked them what happened to these payments. I believe that there are people at the bank who are disputing these amounts and putting them in their own accounts or giving them to other people. I personally feel that SunTrust/Truist should be made to pay their own recovery fees. I did not cause this to happen. I just figured out how to read this statement and I am not letting them take advantage of me with this account. I have documentation that I tried to fax from the bank. I pulled money out on XXXX XXXX. You can see it was multiple times and this does not include what I paid going through the teller line outside of the bank. I have the online payments as well that I am unable to access.
Consumer complaint received 2024-02-28
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. (MD)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a dispute with Capital One bank as a merchant was non responsive to providing me an airline voucher that I had received for to the pandemic. Capital one then denied the claim saying I didnt provide enough information, which in fact I did. I called to follow up the last week do XXXX and was told to disregard a letter that I would recieve on XX/XX/2021 and that my claim was still open. I called today XX/XX/2021 and the manager XXXX informed me that the agent last week had lied to me and that the claim had been closed. I then requested to see why and If anything could be done and she said no. You can request the recorded calls to review how this was handled unprofessionally and incorrectly.
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I consumer XXXX XXXX extended my credit to CAPITAL ONE by giving them my credit card in order to create the account. When I used my credit card I sold CAPITAL ONE security interest. I am the original creditor and I do not owe this alleged debt. I don't have a contract with CAPITAL ONE. In order for a contract to be valid, the meeting of two natural minds have to meet in which CAPITAL ONE DID NOT. This alleged contract is fraud. CAPITAL ONE refused to send original documents or to provide a documentary trail of where the credit came from and to show where CAPITAL ONE gave me the money from their account. I've sent CAPITAL ONE a cease and desist several times and they refuse to stop all communication through any medium under 15 USC 1692c ( c ). I do not have to qualify for a cease and desist as CAPITAL ONE says. I am the consumer and I am federally protected. This debt collect is harassing me and using abusive language that is offensive to me as the consumer. I demanded for CAPITAL ONE to send the holder due course of this account and CAPITAL ONE refused. I demanded to know the finance charge and CAPITAL ONE refused. I demand for CAPITAL ONE to validate this alleged debt and they failed to do so. I demanded that CAPITAL ONE stopped reporting my non public information under the privacy Graham Leich Bailey Act and they refused. I the consumer am the only natural person who can offer and extend credit under the provisions of 15 USC 1602. A finance charge is involved and its the sum of all charges.
Consumer complaint received 2021-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Dear National Recovery Agency / NRA ; I'm a little confused about a collection of {$280.00} reporting on my credit report dated XX/XX/2017. I've attempted several times in the past to get to the bottom of this but for some reason, my request has been blatantly ignored by everyone there and the credit bureaus. They failed to perform a thorough investigation into my request and but however, continues to report this account in violations of my rights such as fcra, fdcpa, etc. It was my understanding that a collection account is by default late and past due and it can not be reported as such ; and if it does, its in violation of my rights and it's causing this account to illegally re-aged. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Again, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Somebody opened a credit card in my name. I called ( per the instructions on the FTC website ) to resolve this matter and the Fraud Department refused to help me. They stated that I could not verify the correct information ( because I was calling to report fraud, someone fraudulently opened a card in my name ) and refused to help. I gave all my correct information, which would match my credit report or any background check and they proceeded to state I wasn't who I said I was and that the account didn't belong to me. After I was calling to cancel this credit card that was opened fradulently and sent to my parent 's address! And this was the companies fraud department!? The manager refused to help me as well. I first spoke with someone named " XXXX '' then the manager " XXXX ''. Both refused to give last names. " XXXX '' gave an employee # : XXXX.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

We receive 2-3 calls from " Credence '' daily - sometimes the calls start before XXXX XXXX, and the latest was received after XXXX XXXX The calls go to our land line, which we never answer unless it's someone we know. I finally looked up Credence online, trying to figure out where that city was, but in doing so, I found out that it is a collection company with a history of scamming people. We have NO debts or outstanding bills. Credence never leaves a message, so we KNOW it's a scam. Please put a stop to this annoying harassment and put these scammers out of business!
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I have two store credit cards that where placed on my credit report from XXXX XXXX. The accounts where not opened by myself. I've tried numerous times to dispute these items off my credit report to no avail. I have attached a copy of my FTC report. 

The account in question are : XXXX XXXX
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I did not receive a written notice of an attempt to collect. This collection was posted on my credit report. This debt was paid in full, and I do not owe. I have disputed the debt with the credit reporting agency, but they are saying the collection agency has provided proof of debt. This debt was paid in full to XXXX XXXX on XX/XX/19.
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (OR)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

Equifax advised me ( through CFPB via my 1st complaint ) that they had finished checking my credit report and had sent me an updated report on XX/XX/21. It's been almost 3 months and I've still not received anything from them. Additional requests to Equifax for my credit report brought no results either. They lied to CFPB in their " Company 's Response '', and they have not responded to my further requests at all.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

I opened my account and transferred {$15000.00} on XX/XX/XXXX for a promotion giving {$400.00} plus {$100.00} to maintain the balance 60 days and have direct deposits. I began using the funds below {$15000.00} on XX/XX/XXXX and was told that was the 60th day. When I followed up approximately a month later they said I didn't qualify because of how they count 60 days. Clearly I would have waited ONE day if I wasn't told otherwise. Trying to resolve other issues I have had with this company has been more than challenging due to long hold times only to be transferred and then disconnected. My last attempt was XX/XX/XXXX. I was told I needed to wait until XX/XX/XXXX and I only maintained the balance until XXXX, XXXX XXXX
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

I have employed the service of a foreclosure defense attorney who has been helping me navigate the short sale process. My attorney has maintained constant contact with my lender, Fay Servicing. However, the lender failed to notify my attorney or her staff that the lender scheduled a sale date for my property. During the short sale process, my attorney was assigned to a single point of contact XXXX XXXX, who failed to make a good faith effort to disclose all pertinent information related to my account or account status my attorney contacted Fay Servicing beginning on XX/XX/18 to the current date. On multiple occasions my attorney called XXXX XXXX, my single point of contact and asked if there were any new notes added to my short sale file or my account. On multiple occasions, my attorney asked Fay Servicing if there were any changes to my account status and XXXX XXXX failed to disclose that the lender scheduled a foreclosure sale date on my property while simultaneously falsely communicating with my attorney that there were earnestly reviewing my account for a short sale. It amounts to dual tracking and is illegal. A lender assumes the role and responsibility to disclose ALL information related to the status of a borrower 's account. They failed to disclose information to my attorney who contacted my lender on a weekly a basis. My attorney asked XXXX XXXX on XX/XX/2018, XX/XX/2018 and XX/XX/2018. XXXX XXXX lied to my attorney and said that there was no foreclosure sale date on my property. On, XX/XX/2018, my attorney spoke to XXXX XXXX 's manager, XXXX XXXX and he said that he didn't know why XXXX XXXX would have lied or provided false information about my account status. After pressing XXXX XXXX for a full and truthful disclosure, did he admit that the lender scheduled a sale date for my property on XX/XX/2018. Fay Servicing engaged in inequitable and fraudulent conduct when servicing my loan. As a fiduciary, Fay Servicing failed in it's implied duty of good faith. Furthermore, Fay Servicing stands to benefit from misrepresentations that XXXX XXXX and XXXX XXXX made to me. Fay Servicing is liable for constructive fraud. The lender has a duty to disclose all information related to servicing my loan and repeatedly failed to do so. I employed a foreclosure defense attorney to communicate directly with Fay Servicing. Fay Servicing is by far the most mendacious lender with unscrupulous lending practices.
Consumer complaint received 2024-02-28
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. (OK)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (SC)

The debt is paid and full though several deposits of credit from my vendors to XXXX Bank. No checks have been forwarded to me nor my business as a credit, therefore was received by XXXX Bank. 

I am not aware of who this collection agency is and have never done business with them. This should be removed from all of my credit reports.