davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. 
The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account at a local Bank of America in XX/XX/XXXX. I began asking for an ATM card once the 30 day temp card was expired. I placed 3 request for a card over the course of a month and never received a card. On XX/XX/XXXX I sent another email to my bank representative XXXX explaining that I was leaving the country and needed access to my funds. She reported she would send me a card express. The card never came before I left and i sent her an email stating this. Once I reached XXXX, I received a text message from the Bank of America saying there was an attempt to use my bank card at a XXXX XXXX on the XX/XX/XXXX and I immediately replied NO as the text requested if I was not the individual making these transactions. I also called the bank at XXXX and told them to I was in XXXX and this was in no way me. The representative asked if I wanted another card sent to me and I asked that he stuff the account down and I would handle it when I returned to the country. Upon returning home I immediately went to the bank. I was told to file a claim I told them I did that with the first representative on XX/XX/XXXX. They had no record so I filed another claim. I then returned home and opened my mail. There was a letter in the mail from the US Department saying I had been a victim of a crime and three individuals were caught with my information. I immediately went back to the bank and offered XXXX a copy of the document from the government. The bank told me I would have resolution in 10-15 days ( XX/XX/XXXX ). This day came and I was not given my funds back ; I was given another resolution day of XX/XX/XXXX. I went to the bank again today XX/XX/XXXX and I was told I would get resolution in another 30 days. This is unacceptable behavior from this institution as I have done everything they have asked of me and yet my funds have not been returned and this is going on a 3 month episode.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (TX)

XXXX  is allowing World finance to constantly report misinformation I am not in bankruptcy and I did not insert a world finance debt in a bankruptcy for 3 yrs world finance has reported negative inaccurate information and Im tired of it. if this world finance account is not completely removed with all its remarks in the next 24 hrs i will proceed with a lawsuit involving not only World Finance but XXXX  and XXXX  as well for over 60 days i have submitted documents showing there is no bankruptcy on file anywhere for me and the documents showing the inaccurate and reporting world finance have been reporting for 3 years. I have also pointed out to the bureaus and world finance that the Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years.

Section 392.007 of the Texas Finance Code This section of the law, introduced in 2019, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.

IM REQUESTING ONE LAST TIME THIS WORD FINACE ACCOUNT BE DELETED AND ITS REMARKS BEFORE THIS RESULTS IN A SERIOUS LAWSUIT
Consumer complaint received 2021-04-02
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. (MA)

Experian, continue to report inaccurate information on my XXXX XXXX account ending inXXXX for the month of XXXX, 2018. I have provided Experian proof with a copy of a letter from XXXX XXXX multiple times stating that they will contact the credit bureau and have this inaccurate and subterfuge information for XXXX, 2018 delete. Experian is in violating of the Fair Credit Reporting Act because they continue to report inaccurate information after they have been provided information directly from the credit to remove this inaccurate information for XXXX, 2018. CFPB please have Experian uphold the law. Also hold Experian accountable for the violations they continue to comment with this dispute and compensate me for Experian damaging my credit worthiness by reporting this subterfuge information on my XXXX XXXX account. 

CFPB I have attached a copy of the letter As proof I received from XXXXXXXX XXXX requesting the credit bureau to delete this inaccurate and subterfuge information for XXXX.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of XXXX XXXX XXXX XXXX. 

I received the attached collection letter on XX/XX/XXXX, from this, XXXX XXXX XXXX XXXX, claiming that they are collecting on an alleged debt that they are claiming to have acquired from Navy Federal Credit Union. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to XXXX XXXX XXXX XXXX, that I dont owe them, nor do I owe Navy Federal Credit Union this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying Navy Federal for, years ago, and I could never get adequate nor accurate answers.

In XXXX I did have a Navy Federal credit card account, and I feel that Navy Federal deceived me with the rates, and charges that were being charged onto the account.

Years ago I had contacted Navy Federal many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to Navy Federal for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with Navy Federal Credit Union since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency XXXX XXXX XXXX, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want XXXX XXXX XXXX XXXX to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that Navy Federal Credit Union do the same. 

I have had no dealings with Navy Federal Credit Union since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, Navy Federal has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.
Consumer complaint received 2021-09-11
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: WELLS FARGO & COMPANY (NC)

On XXXX XXXX WELLS FARGO AUTO offer was accepted and returned for value. 
On XX/XX/XXXX. 2020 WELLS FARGO AUTO accepted a private settlement agreement with XXXX XXXX XXXX in the amount of XXXX.
Consumer complaint received 2020-11-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account.
Consumer complaint received 2019-11-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

National credit system states that i owe them {$2700.00}. I do not owe this company anything I'm not responsible for this account nor did i damage anything in that home. This company has been very rude and nasty. Steady harassing and sending letters
Consumer complaint received 2021-09-11
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. (NY)

I received my discharged bankruptcy papers dated XX/XX/XXXX. After a few months, I noticed that one of my creditors ( XXXX XXXX XXXX ) was still reporting a balance of {$5900.00}, and showed the account in collection. Immediately, I contacted the credit bureaus to put in disputes. By XXXX of XXXX, XXXX and XXXX had reported this account correctly. However, the Experian report still showed a balance. I decided to send XXXX a letter showing proof of the discharged bankruptcy and a copy of my credit report, which showed the {$5900.00} balance. After 30 days no response was received, so I decided to put in another dispute with Experian. Experian continued to state that it was the creditor 's responsibility to report accurate information. In XXXX of XXXX, I decided to work with a credit repair agency to hopefully help me resolve this issue. To no avail, the balance was still being reported on Experian. In XX/XX/XXXX, I then decided to put in a complaint with the New York State Department of Financial Services. But, in the meantime, I filed another dispute with Experian ; to date, this is 8 disputes. And, additionally, I sent XXXX another letter with a copy of my credit report showing that it's now 180 days past due, in the collection ( CO ), and a balance of {$5900.00}. On XX/XX/XXXX, I received a copy from the NYSDFS examiner stating that XXXX responded with a statement indicating they have reported accurate information under FCRA. I'm now lead to believe that Experian is at the fault for not correcting the information on my report. I've attached proof of the letters from NYSDFS and XXXX, along with a copy of my discharged bankruptcy,
Consumer complaint received 2021-08-15
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. (AL)

I, XXXX XXXX, disputed an account with XXXX XXXXXXXX with Experian. After their investigation, it came back verified. XXXX XXXXXXXX is a collection company that is collecting a debt for XXXX. XXXX  sent me a letter addressed to XXXX XXXX. That is not my name. I forwarded this letter to Experian to let them know this information is incorrect. They said it again came back verified. I asked them how it was verified and they were not able to provide that information to me.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southern Auto Finance Co (FL)

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2021-02-10
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

The complaints are : 1 ) Champion Mortgage did not properly use the funds provided by the state of California for property taxes in XXXX. Since then the monthly statements indicated the account has always been in good standing. Additionally, the mortgage company representatives have also stated the account was in good standing whenever phone calls were made ( all phone calls are recorded by the mortgage company ), However, in XX/XX/XXXX Champion Mortgage sent information stating some property taxes are outstanding and demanded that I pay them or face foreclosure. There are also late fees associated because Champion failed to properly use the funds provided by the state of California to them. I believe these practices by Champion Mortgage are beyond improper and may not be in lawful compliance. The mortgage company has not responded to the complaints. 
( I am including documents which may be helpful for the compliant review. I also have all statements, if you request ).

2 ) Champion Mortgage used " set aside '' property tax funds provided by the state of California to purchase a home insurance policy in XXXX but after the homeowners insurance verification was provided. The mortgage company sent a letter saying it would refund the money used, but the " set aside '' funds used have not been properly returned. Champion Mortgage has not responded to my complaints. 

3 ) Champion Mortgage has not honored my need for them to comply with the American Disabilities Act for my XXXX, which was made known to them on multiple occasions. 

In summary, Champion Mortgage has not only failed to provide accurate and true monthly statement information about the account but engaged in deceitful practices to both me and the state of California. The mortgage representative who noted my last complaint through a phone call is named Ms. XXXX. Several follow up calls placed but the phone operator who answers the calls would not transfer the call to the representative extension number until the account number was first provided, then she ( the operator ) would place the call hold and return to say that Ms. XXXX was not at work today ... at least 3 follow up calls were placed with a message to return my calls. I also asked if any other representative can check the status of my complaints and requests and was told only Ms. XXXX would know. The current fees associated with the complaint are approximately {$15000.00} and continue to increase monthly due to the mishandling by Champion Mortgage. This is also caused unnecessary health problems.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (TN)

AD Astra Recovery Service # XXXX is reporting to the credit bureau, XXXX  inaccurate information under my name. Reporting resumed even after I received no response to a letter I sent them XX/XX/2021, asking them to verify the validity of the debt. AD Astra Recovery Service is reporting an inaccurate collection account in the amount of XXXX as an open account on my credit report to XXXX. I asked them in my letter to delete the inaccurate collection account from my credit report in which they did not. This violates my rights as a consumer.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (IL)

I started calling about an error on my account with Fariway Independent Mortgage starting in XXXX of XXXX. I provided evidence that the escrow payment in XXXX included {$330.00} charge for interest resulting from the 1st tax installment, due in XXXX, was not paid until XXXX. This total paid in XXXX was {$330.00} over the total annual tax bill, due to the tax bill not being paid on time. 

I have called numerous times about this issue and was told a refund would be issued. They closed a ticket in early XXXX without resolution. We reopened a ticket, providing all of the evidence on XX/XX/XXXX. At that time we were told it would be resolved within 5 business days. After 6 days I called and they asked for more time. I replied that I wanted to speak with someone who could explain the problem. At that time they told me I would received a call within 24 hours. That window has passed and I have not yet received a call.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX, 2023 - from my Bank of America account someone made a transaction of {$5300.00}. As soon as I knew the transaction was done - I called the bank and informed them about the issue- but till now they are not able to resolve my issue. It's been more than XXXX already and I haven't received my money. It's a big money and I have been going through a lot of financial issues. The bank should have considered my situation and help me resolve this in my favor once I said that I didn't made the payment. Bank is just saying that the transaction is done from my device which is absolutely wrong. Bank is also providing the information that the device has been logged from Texas and many other places- where I have never been to in my entire life- how could it be possible to login to my account from that place. It should be banks responsibility to find to whose account the money is transferred not mine. Bank has more power and access than me. I have already provided all the necessary proof and my device IP addresses which shows that my device was not used in the fraudulent activity. Please take strict action on this as soon as possible and get my money back.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following closed student loan accounts are all over a decade old yet keeps reappearing on my credit report. According to the FTC, they must be removed as they are too old to be on file. Remove these from my XXXX credit report immediately. 



U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

My Old Navy/Synchrony store card was closed and I got sent a Visa Old Navy card. But I still had a balance on the old card which Synchrony kept calling me about. So I sent in a payment but it got auto-applied to the new Visa card, not my old card, and the history clearly shows this is the case.
However, they call me like 5-8 times a day to collect on the old card, and even when I make a payment over the phone it does n't 'take ' and I keep getting the calls. I typically do n't answer the calls but when I do, they say Hello and hang up. It 's the oddest thing you can possibly imagine, but I 'm afraid their incompetence and negligence is going to affect my credit history. Please Help!