davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Notice of Error in your letter dated XX/XX/XXXX you failed to provide any documentation to support your response. You claim funds rec 'd XXXX and XX/XX/XXXX were place in unapplied funds as they were insufficient to satisfy the monthly contractual payment. The monthly contractual amount due is {$840.00} how much was due in XXXX how much was due in XXXX? how much was rec 'd in XXXX and XX/XX/XXXX? how much was rec 'd on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX explain each month and how much was due each of those months. Your claiming that 3 payments made for XXXX XXXX and XXXX were not sufficient to make one payment? explain in detail send proof of your statements and supply the documentation that XXXX provided to you to conclude your analysis. Since you always fail to send supportive documents as required by law i'm trying to be as specific as i can so i dont have to request over and over to get any documentation.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX  for forgery and false pretenses.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (TX)

I obtained a lease from Us Bank approximately a year and half ago, I am in the process of trading this vehicle and there is a early term fee on this lease. I was never disclosed this not have I ever seen it on a lease. 

this payoff I received today XX/XX/XXXX my lease balance is XXXX purchase price option is XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX the payoff I received on XX/XX/XXXX lease balance XXXX purchase price option XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX 1st off trading the vehicle in I would completely pay my lease balance and the purchase price option off 100 %. there should be no early admin fee as they will be paid 100 % for the vehicle. 2nd issue is there are no taxes as I had a XXXX trade in when I bought this car so there was no taxes. 

I have tried multiple times to correct this with them and every time I call they have zero idea on how to help me they just say I owe it. 

its not an early term the lease and truck would be paid off in full. 

I completely feel as If I was deceived and taken advantage off.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I received notification that my capital one credit card ending in XXXX was reported as being 30 days late. When I checked the account they list my XXXX payment as being returned. I contacted capital one to find out if they send out a notification when a payment is returned. They advised that they do not send out a notification. As a debt collector, I believe it should be a requirement to alert the account holder of these types of incidents allowing for the account holder to correct the concern.
Consumer complaint received 2020-05-19
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX  XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}
Consumer complaint received 2021-04-27
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. (NY)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-09-22
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following Inquiries Viewed By Others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XXXX, XX/XX/2020 and XXXX XXXX, XXXX, XX/XX/2020. I am a victim of identity theft and have a current police report on file with Chex Systems.
Consumer complaint received 2017-08-09
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. (MS)

Since XXXX XXXX, 2017 I have continuously submitted dispute with the XXXX major credit bureaus regarding information pertaining to bankruptcy on my credit report and have proved with documents that they are not contacting the actual court clerk in this warrants an investigation by someone, The XXXX major credit bureaus are providing false information, without the facts actually being sought. I have sent letters of intent to sue based on their negligence of this matter because I have provided documents many many times On my files, and they refuse to remove false information and have cost me a home, and vehicle due to their false reporting, I ask this be addressed and some one look into the fact that these bureaus are not complying to laws in place to protect the consumer, unless it is for their benefit, I 'm at the point I can not really afford legal counsel but am being forced into this position as they, and anyone I file with, will not serve justice. I demand the Bankruptcy items be removed, as they contain false unverified information and all things associated within.
Consumer complaint received 2021-04-26
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: Experian Information Solutions Inc. (FL)

Experian in my opinion a fraud of great magnitude or totally incapable of doing what they claim they do correctly OR AT ALL. In trying to address report XXXX -- -- XX/XX/2021 and calling the number THEY PROVIDED XXXX XXXX once again that number provides NO CAPABILITY AS THEY THEY CLAIM IT IS THERE FOR THE DISPUTE IN QUESTION IS STILL NOT CORRECT SINCE THEY REFUSE TO ALLOW MY PERSONAL COMMENTARY EVEN THOUGH THEY CLAIM A PERSON CAN ADD THEIR COMMENTARY. XXXX XXXX DID XXXXTHEY DON'T! AND YOU, THE XXXX AS WORTHLESS AND INCAPABLE AS THEY ARE. YOU WILL CLOSE THIS IMMEDIATELY AS YOU HAVE DONE THE HUNDRED OR MORE COMPLAINTS PREVIOUS. BY OPINION A BLIGHT AND SHAM ON THE AMERICAN PEOPLE. THE REPO WHILE UPSETTING NOT THE ISSUE. THE FACT THE LENDER CAN NOT PROVIDE THE TELEPHONE RECORDS AND DISMISSES THEM AND EXPERIAN DOES NOTHING ABOUT THAT IS AN EVEN GREATER FRAUD. THEY DO NOT ALLOW THE COMMENTARY TO THAT EFFECT! THE DISPUTE PROCESS AS THE CREDIT MONITORING AND FICA SCORES ALL A SHAM. IF YOUR READING THIS AND TOLERATE THAT YOU ARE EITHER COMPLACENT OR LIKE THEM.
Consumer complaint received 2023-01-30
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: Trident Asset Management, L.L.C. (IL)

In accordance with the Fair Credit Reporting Act, Trident Asset Management has violated my rights. 15 U.S.C 681 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 an account without my written instructions. 


TRIDENT ASSET MANAGEMENT ALSO BROKE FEDERAL LAW BY DISCLOSING TO ME ANOTHER PERSON ACCOUNT INFORMATION AND ACCOUNT NUMBER. THIS COMPANY NEEDS TO BE SHUT DOWN IMMEDIATELY.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check of more then {$5100.00} made out to my father into my account not before asking in the branch if I can do so they told me that if its endorsed by both parties it will work but they placed a freeze on my account when I called in to see what I can do I have been asked to provide a phone number that they can call my father to verify it I have provided all phone numbers he is using but they told me that this phone numbers are not verified I asked them what is a verified number they told me that they are using a tool that's gathering info from public records to see if a phone number is associated with this parson so I asked them to search for his name they ware not able to find a phone number for him so they told me that they are not able to verify it even when I offered them that I can have him walk in to a branch and they told me they have no option for me to verify this check in other words someone that is not on the database they are using has no way to be verified and see beck the money
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

I have Citi thankyou Preferred master ( credit ) card for couple of years with no single late payment or any other issue. As a very good customer in XX/XX/2020 I requested online and with a representative to increase my credit line and it did not approve it. I have a very good credit score as  well.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a dispute letter to Transunion on XX/XX/XXXX. I sent my letter via the XXXX XXXX and I sent it via certified mail. I waited my 30 days and called Transunion, after I didnt hear anything. They explained to me that they didnt receive my letter and couldnt follow through with the dispute. I explained that I sent the dispute letter via certified mail and its not my fault that they misplaced my disputed letter. By law they have to remove everything I needed to dispute. Its their fault that they were irresponsible in misplacing my dispute letter. Please help, Im trying to better my life, after a hard year in XXXX. Thanks in advance.. 

XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

A couple of days ago I filed a request for " Consumer Privacy Report '' / " personal data management request '' so that i could view and download what data they have collected on me.

Today they emailed me that the request was completed and provided a link to allow me to download - however any attempt to do so or even to sign in on their website results in an error page claiming " We were unable to authenticate your identity. '' I believe this false error is simply a tactic to keep consumers from having access. Searching online shows this problem is prevalent for some years now. I even tried using a different web browser.
Consumer complaint received 2020-09-22
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. (GA)

I have disputed false allegations of debt to XXXX XXXX XXXX   through XXXX XXXX XXXX XXXX. I was ordered to pay {$1100.00} by the way are County Magistrate Court docket number XXXX   - XXXX XXXX I submitted true of court order dub of Bank stub made out to XXXX XXXX XXXX  for debt credit deletion on my credit report yet XXXX XXXX XXXX has a total extremely higher than what I've paid their client reporting to my credit report which is fictitious based on the court order
Consumer complaint received 2020-11-13
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. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (VA)

I have opened new savings and checking account using online promotional offer run by TD bank. Here : https : XXXX I had satisfied all requirements to qualify and also ask for email confirmation from TD bank by emails. Now TD bank saying I open through mailer they sent on my address but I didnt used that mailer I used above link to open account. 

Please call me for more information XXXX XXXX
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (KY)

I contacted my loan company to get a loan and they informed me that there was potential fraud activity on my credit account and they could not pull any information and to call experian so I did and they informed me that there was not a freeze on my account but since the loan company was unable to pull my account I needed to send in a cover letter with name, address, DOB, SSN, as well as a copy of my SSC and driver 's license either by mail or fax.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Medical Administrators, Inc (MS)

Bought male supplement online with credit card for {$75.00}. It came in the mail, no problem. Then I got a letter from National Medical Administrators , Inc. saying their office has been retained by a creditor XXXX XXXX XXXX. They are trying to charge me an additional {$110.00} for this product XXXX XXXX XXXX. I should have checked them out. When I did check them on the XXXX XXXX XXXX, the were a lot of complaints of the same thing. Total intimidation scam. Tried to contact them, but got nothing, but a run-aground. Here is their information. NATIONAL MEDICAL ADMINISTRATORS , INC. XXXX. XXXX  XXXX, XXXX, GA. 
TOLL FREE # XXXX XXXX # XXXX FAX XXXX, XXXX CREDITOR : XXXX XXXX XXXX. Date received letter XX/XX/2021. My bank has been notified of this scam. I TOTALLY refuse to pay additional money for something I already paid for. These FRAUDULANT people MUST be STOPPED! Signed, Very angry XXXX XXXX Veteran.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!
Consumer complaint received 2023-01-30
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. (KS)

I have collection accounts on my report ( s ) that don't belong to me. My information is being used incorrectly by the reporting agencies. I don't recognize any of these accounts and i did not authorize these companies to use my personal information. I believe i have been a victim of identity theft or fraud. I am a natural person, I am a living human being, I have rights under 15 USC 1681. The credit bureaus are govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give the credit bureaus written permission to furnish these accounts.
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo notified XXXX XXXX the escrow shortage amount in XX/XX/XXXX. Each year the escrow shortage has been less than {$400.00}. This year the amount is over {$1400.00}. I requested an answer from the institution and they responded with an answer that was not related to the question. I asked how could you project my Mortgage Insurance Premium high for XX/XX/XXXXwhen it decreases each year? They responded with an answer related to my property insurance. This also decreased. I have the statement and emails to show this escrow amount is incorrect. They are trying to load their losses on people who they think do not pay attention. XXXX
Consumer complaint received 2020-05-19
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. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2023-03-22
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. (MI)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding a creditor that has violated the " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic. '' My name is XXXX XXXX XXXX, and my contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX On [ XXXX 2020 ], XXXX 's took the following actions that violate the Consumer Reporting FAQs related to the CARES Act and COVID-19 pandemic : reported Late payment during the Covid-19 pandemic. As a result of these actions, I have suffered a big drop in credit score, which in return affected my chance in renting apartment and financing a car later on.