davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I am writing this complaint in regards to Monterey Financial. First they call my cell phone multiple times and have never confirm I allow them to do so under the TCPA act this is illegal. Second they set me up on a payment plan which clearly states the date the payment is due and does not give a specific time. Today XX/XX/2021 they call me regarding my payment and they said it did not go through. I advise them it will be made by the end of the business day. The representative XXXX XXXX told me it had to be paid by XXXX XXXX  or they were going to reverse my payment plan and threatened to collect the balance in full. The agreement has not time on it as to when the payment has to be made and I offered to make the payment by the end of the day and she became difficult telling it would cause my assistance to be reversed. I do not appreciate and have been having issues with there staff since day one. I have asked to speak with a supervisor and one is never available. I have spoken with team leads and they do not resolve the issue, but make excuses why there staff did what they did. I work in this field as well and know my rights and feel they have treated me with the most un customer service like respect I have seen from a company in a long time. This company
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NJ)

- Unable to register the car due to Auto Lien is not being provided by TRUIST - Car Loan was fully paid on XX/XX/XXXX - As per TRUIST, they have released the Auto Lien to XXXX on XX/XX/XXXX - There is no TRACKING NUMBER or PROOF that it was really mailed. 
- I have called Truist multiple times and they have provided different answers every time - XX/XX/XXXX - First, the agent said 2-3 days- Second, after waiting for three days, called again and the agent said 7 days and they have a backlog- Third, after 7 days, the agent said it was already mailed and I should check my mail box- Fourth, after 3 more days, called again and the agent said that its still in-progress and that we just need to call again in 2 days.

- Fifth, called again after 2 days and they again said that they have already mailed the LIEN on XX/XX/XXXX and that wait again for few days - Sixth, called again and said that we need to call or go to the XXXX and asked them if they have received the copy of the LIEN/TITLE - Seventh, after one day, was able to get in touch with XXXX and they informed us that they have not received anything from Truist Bank about my LIEN - Eight, after one day, went to XXXX personally to verify but they also said that they have not received anything from Truist. So called the agent again to ask for Tracking Number for the mail but they said there is really none and that we just have to wait. 

All I want is the LIEN so that I can register the car because it will be affecting my family day-to-day activities. And since it's fully paid, I believe I have the right to get the title or lien.
Consumer complaint received 2021-04-06
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. (NV)

There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently locked my card Friday, XX/XX/XXXX of 2023, through online banking to prevent a charge from being processed on my account. The problem is when trying to unlock my card again Bank of America asks me to verify my identity as if I am not the one that just locked my card. Usually to verify they would give you other options like sending a gmail or text but I did not get these options, the only option I got was to call a number to get a code. I contacted the support number and they were trying to help but since I currently don't own a cell phone there is no way for me to receive a verification code or verify my identity which is absolutely crazy to me. Representatives all seemed helpful at first and then all told me the same thing which is there is nothing they can do to help. Even with my email being my preferred way of contact and me answering all my security questions I no longer have access to my checking and I cant order a new replacement card because I don't have a cell phone. I even stopped by my nearest branch and the manager could not help me, they tell me mobile is the only way to do so. As of today my account is locked and although I have access to my account through Online Banking I cant do anything such as withdrawal or card use without a verification code so my money is just sitting in an account, please help.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I need you to evacuate the unnecessary request from my advance report as before long as conceivable. To form it easy, I have put together a piece of to back this complaint. If it's not too much trouble explore this issue as before long as possible.
Consumer complaint received 2021-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!
Consumer complaint received 2020-09-10
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: TOYOTA MOTOR CREDIT CORPORATION (MS)

I've contacted Toyota Financial and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

TO : Equifax I am writing to dispute ( XXXX ) items on my credit report. XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, XXXX XXXX
Consumer complaint received 2021-08-12
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. (GA)

On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ XXXX ], had point a Lock and or a Frozen my Credit Report information. Listen up XXXX, XXXX Lock. Freeze my XXXX Credit Report, whoever you within XXXX, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im litigating, Im Not certain as to who you are within XXXX, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX youre Not Stopping me. Hey XXXX you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX VISA account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXX XXXX out, XXXX XXXX ( XXXX ) XXXX out, XXXXXXXX XXXX XXXX out, XXXX XXXX that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX  out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX  Im paying this TradeLine off before the XXXX of XX/XX/2021.
Consumer complaint received 2023-01-11
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

My property taxes are held in escrow ( impound account ) with BSI Financial ( the loan servicer ) and the most recent property tax bill ( due in XXXX XXXX was not paid by them as it should have been! 

I'm in the process of arranging a HELOC loan with another lender in order to do needed home improvements and that's how this was discovered ( property tax must be paid or no HELOC ). 

In addition, since it is passed XX/XX/XXXX the tax is considered delinquent and there is a late payment penalty ( 10 % of the amount due ) so the total due is now {$2800.00} I contacted BSI on XX/XX/2021 and was told the matter would be " escalated ''. Since then I have called multiple days, and each time all the customer service rep can do is " escalate '' it - so nothing ever gets done or communicated to me. 

It has been ten days now, and BSI has still not taken any action to pay the property tax due. In addition, the only way to contact them is a single customer service number to reps who have no ability/authority to take action. 

I'm very concerned that my impound account funds will be taken by BSI and never used to pay the property tax or insurance bills for which it is intended. I am also unable to obtain another home loan since the property tax has not been paid - so I'm unable to pay for needed home repairs and remodeling. 

Thank you for your help.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 2023-01-11
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. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2021-09-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (AZ)

I received an initial communications letter from Radius Global Solutions LLC on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MS)

My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...
Consumer complaint received 2021-09-21
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. (VA)

on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX placed a collection on my Trans Union credit report in the amount of {$1500.00} in which I have no clue what it is for. I have never heard of this company nor have I ever been contacted by this company. I have researched them and have found that they have scammed many people. I have filed a dispute with TransUnion and I have also filed a complaint with the XXXX. I want the collection removed from my credit report immediately and I also want them to refrain from putting the collection back on my credit report in the future. 

TransUnion somehow verified XXXX & XXXX XXXX  collection as accurate which I know is not the case. I feel TransUnion did not do a fair an accurate investigation into this matter. If TransUnion did do an accurate and fair investigation into this matter they would have learned that the debt that they are saying belongs to me with XXXX & XXXX XXXX is way past the legal time in which they can report it on my credit report because legally a collector can not report a debt on your report when it is past the time allowable for reporting the debt under the Fair Credit Reporting Act ( FCRA ). The FCRA states that delinquent accounts can appear on your credit report for 7 to 7 and a half years from the date you defaulted on the original account. If a collection agency threatens to report a debt on your credit report beyond the legally permissible amount of time, you may have a claim under the FCRA for violating your rights.

I would like TransUnion to verify the date of the originally delinquency with XXXX & XXXX XXXX  from the original creditor. Just don't verify my name and address like they did in the original so called investigation. 

TransUnion did not do me justice by keeping an inaccurate collection on my report. I am asking that TransUnion permanently remove the inaccurate information from my report.
Consumer complaint received 2021-04-06
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. (AZ)

I spoke with XXXX at Transunion on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my transunion credit report : XXXX XXXX XXXX  XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Transunion credit report due to my identity been stolen.
Consumer complaint received 2022-04-07
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)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$170.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXXXXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (FL)

I've been attempting to request financial assistance for the past few months with no success. They've reported my loan as past due on my credit report. My car has a safety recall, I have been calling the dealership to request an appointment and no one is returning my calls.
Consumer complaint received 2021-04-06
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. (OH)

Due to the repeated excuse of Covid-19 Pandemic, I have been battling wrong information on my credit report with all three bureaus since XX/XX/2021. It is now XX/XX/2021. 

I either got no response, or the information remained unchanged, which is hindering me from finding suitable housing to move into, and am in need of permanent housing come XX/XX/2021. I finally decided to move forward with CFPB.
Consumer complaint received 2020-10-23
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: CL Holdings LLC (SC)

XXXX for several years have been contacting me only via XXXX mail and i have several, several times contacted them over these years to advise them, that i have never had an account in my life with XXXX. When i have called about this " debt '' in question the typical answer why they can't find me in their system is because the account is old and the records are purged. which is bogus. it's because they have no such account with any documentation from me. XXXX failed to ask XXXX XXXX the collection agency ( XXXX capital ) to provide any solid documents showing me every signing up for an account with them of any kind. Because there are not any. i unfortunately can not provide you with any dates or details as i have none. thank you so much for any assistance you can provide. I really do value my credit rating and this collection account is hurting it tremendously. Thank you.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

I was on a mortgage with my ex-spouse. When we divorced in XXXX, I waived all equity, assigns, and all interest in the home, and my ex-spouse was ordered by the court to refinance the marital home and remove myself from the mortgage. He did not comply, was delinquent on making the mortgage payments, and the house was foreclosed on with my name still on the mortgage. I made numerous attempts at requesting that the bank take action to clear my name, but they refused to honor the court order each time. My credit has been severely negatively affected since then and Ive been unable to reverse the effects due to the actions of my ex-spouse and JPMorgan Chase Bank refusing to honor the court order.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

I tried contacting them on XX/XX/XXXX to pay this in order to get it deleted from my credit. They refused so I called the originator of the debt and that was when I found out that they returned this debt to the originator in XXXX as uncollectable, yet they are still reporting it on my credit report when they do not own the debt. This is why they couldnt delete it, because they do not own it.