davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like my current address to be updated to XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. It is currently reporting as XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Also I would like to get all other addresses removed from my report.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX   and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion is reporting a payment status of 30 days late, XXXX and XXXX are not reporting this account, XXXX   XXXX : TransUnion is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and XXXX are not reporting this account. XXXX : TransUnion is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXXXXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (MO)

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that Flagship Credit Acceptance has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

Flagship Credit Acceptance is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. 

I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that Flagship credit Acceptance have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. 

Please take this matter serious and I look forward to your respond.
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: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX  ) 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 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

The following statement appears on Truist 's monthly mortgage payment stubs *Due by -- XXXX -- *Required to keep loan in good standing. 

My mortgage deed and note state that payments are considered late if not received by the XXXX of each month. As long as my monthly payments are received prior to their late date, my loan should be considered " in good standing. ''
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (KY)

It is totally frustrating to see Equifax Information Services LLC, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with EQUIFAX and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX XXXX XXXX XXXX - UNKNOWN ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.
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: EQUIFAX, INC. (SC)

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 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (UT)

EOS CCA # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NJ)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

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 any purpose.
Consumer complaint received 2018-07-31
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. (CA)

XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, Equifax, XXXX  and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (AL)

I have an account that does not belong to me from comenity bank. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX2020 ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. 
{$680.00}
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

My mother passed away in XXXX, 2020. She did not have an " estate ''. I was not her personal representative. She did not have a personal representative for she had no assets and lived in a nursing home and was on XXXX. She did have an outstanding balance with a company called Care credit. She utilized Care credit services when she was still living independently and able to make decisions. When she started to become ill I did help out with monthly payments to Care credit however I am no longer able to continue doing that financially. I have been receiving multiple phone calls, multiple letters from this company. I have informed them in writing and by phone that I am not responsible for her debt and I had informed them that she does not have an estate .... I spoke to the estate department at care credit, they informed me that I would no longer be notified of any further contact through them. I even sent them a death certificateBut they continue to harass me. I would like to know how to proceed on this further. Thank you
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (AL)

On XX/XX/XXXX a credit collection company listed a collection account to credit reports and I have not recieved any written communication from said company. Therefore I have not been given the right to a 30 day dispute period that is required by law.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NY)

XXXX XXXX is the company that has been harassing 's me thru a collection company OxigenXXXX collecting money that I don't owed them. They call my cell at all times which I have explained to them I don't owned anything to them. This harassment 's has cause me a nervous breakdown and XXXX My credit is excellent and this people want money out me which I don't owed to them. Please help me to report this company.
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX # XXXX, has violated my rights.

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

And according to 15 USC 1681eb they are supposed to ensure this 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 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 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I contacted Experian today in regards to the wrong address that is showing on my credit report and also advised that I am a victim of identity theft. I spoke with XXXX and explained what was going on and she stated that I needed to speak with the creditors on my credit report. I explained to XXXX that these are the same creditors that I have had for awhile and they have my correct address and she refused to still assist I also confirmed that I have proof of my address on file due to the identity theft report and I have an actual individual that works with me in Fraud by the name of XXXX and when she reached out to me via email she had my correct address. My correct address is XXXX XXXX XXXX, XXXX  AL XXXX, wrong address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX AL XXXX. I do not live in a apartment at all. The representative by the name of XXXX still refused to dispute to get this corrected and ended the call.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
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: EQUIFAX, INC. (FL)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. XXXX XXXX XXXX late payment reporting Loan - XXXX
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Consumer complaint received 2021-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

On XXXX I sent a letter to all three credit bureaus about an account that I believed to be reporting incorrectly. I sent that letter via mail and still have not received a response back. I don't feel as I am liable for this debt due to the fact that it's not only reporting incorrectly but the bureaus are unable to provide me with anything on how this account was verified.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I took a loan with XXXX XXXX in XXXX to alleviate some of my financial burdens along with potentially purchase a new vehicle, everything with them was great in the beginning and they were helpful a few times throughout my loan process and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and denied unemployment benefits. I have not been able to get steady employment other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ).
Consumer complaint received 2020-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (PA)

We entered into a forbearance agreement with Selene Finance ( our mortgage servicer ) in XX/XX/2020 as a result of hardship due to Covid19. In XX/XX/2020, re- paid all back monies to bring our mortgage current. We resumed regular monthly mortgage payments in XXXX as well. On our XXXX statement we saw that we were charge two fees in the amount of {$15.00}, totaling {$30.00}. I contacted Selene and was advised that these were advanced corporate fees for Selene having to send a field inspector out to see if we were still living in the property. 

Please see attached copy of the letter I sent to Selene Finance regarding this matte on XX/XX/2020. To date we received no response from them. 
I called Selene to today at XXXX and was advised by the customer service rep XXXX, that there was not letter received from me! He advised that I e-mail it to them at XXXX. Which I did. I do not expect to hear from them simply because they claim to not have received a letter I mailed to them. 

Needless to day, our mortgage payment as increased from {$670.00} to {$700.00}!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Business name XXXX XXXX XXXX. 

Ref : account XXXX to whom this may concern : I have an issue with M & T bank I financed a vehicle going back XX/XX/2013, I set up automatic payment An authorized the bank To withdraw from my bank account every single month The payment that is due for my finance the vehicle, in beginning of XXXX I inquired To take out a loan shockingly I see on my report That M & T bank is reporting me to the credit Bureau that I was late, I reached out to M & T bank For explanation And they respond to me That I did not pay the last Payment So I told them That I authorized M & T bank to take Out from my bank account Every single month for the monthly payments they did not withdraw the last payment And then they are blaming me for not making payment I need this derogatory items removed from my report as soon as possible. The reason I set up automatic payment So I shouldnt be in this position That I was late On a payment And here I am in the situation that I did not want to be Do the negligence Of M & T bank not reaching out to me And not withdrawing From my bank account which I authorize them In the beginning of my Finance Contract.
Consumer complaint received 2019-08-23
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: JPMORGAN CHASE & CO. (MA)

Date : XX/XX/2019 Transaction : XXXX Amount : {$80.00} I received a product that does not match the description. ( They claimed they were lobster gloves but they are not. ) Seller does not respond, so I tried to go via my credit card company, but there is no way to contact the credit card company. I tried to file a dispute online and on the app but it does not allow for it. I would like the credit card resolve this with the merchant and credit my card for the full amount.