davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/XXXX I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 
DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (MI)

I was having difficulty with my account after a bankruptcy, I called ally financing tired to get a hardship or refinance on my account, they told me that I didn't qualify for any help, I then filled a complaint with the XXXX, then they called me and wanted to make me a offer that was unfair, they wanted me to pay XXXX dollars in XXXX days and over XXXX per month over XXXX times what my car note was, then when the payment came around I paid XXXX, they called me and said they I voided the agreement because I was supposed to pay XXXX, I told them that, that wasn't the amount I was told abs asked could I get the agreement in writing, they told me that they don't give anything in writing which means they can change the agreement without me, and they are attempting to repo the car. They also don't want to refinance because I have a better score now than when I bought the car.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-06-05
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: CarMax, Inc. (TX)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix the following accounts : XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$25000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (GA)

Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I was in an approved forbearance plan in XXXX, prior to, my mortgage was in good standing. My mortgage comp XXXX XXXX reported to XXXX that I was 180 days late XX/XX/2023, again I was on an approved forbearance. In XX/XX/2023 XXXX paid in full my mortgage delinquency to XXXX. XXXX. Payment was sent on XXXX XXXX in the amount of {$17000.00} ( I do have documentation from XXXX ) Also, per the Cares Act Law signed XXXX XXXX amending the FCRA, to stop adverse credit reporting during COVID-19 crisis. 
I can not obtain a loan for home repair until XXXX XXXX remove this erroneous error, reflected on my XXXX XXXX XXXX XXXX and Equifax XXXX dated XX/XX/2023. 
Also, XXXX XXXX had a data breach in XX/XX/2023, in which I am continuously contacted via phone with spam robo lender calls from XXXX M-F. I receive 3-5 junk mail letters from lenders all directly related to the financial breach. Prior to the breach I never received calls/ mail of this type. 
Note ; I filed disputes with all 3 reporting agencies. Mortgage lender deleted XXXX late from XX/XX/2023 and its now reflected under XXXX XXXX  180 day late.Again, I was in good standing prior to my approved forbearance, moving the delinquency from XXXX XXXX XXXX is proof to me of the unwillingness to accept the 40-60 point credit points drop reflected on my credit reports. I have called XXXX as recent as this afternoon requesting a supervisor, advised I would receive a call back from XXXX XXXX as of this complaint I am still waiting. Thank you. 

XXXX is under the umbrella of XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

At the beginning of XXXX two separate bill payments were sent from my Chase XXXX account. The intended recipient was my XXXX  XXXX XXXX checking account. The funds never arrived in the XXXX XXXX  XXXX checking account and instead were sent to something called XXXX XXXX XXXXXXXX XXXX which may stand for XXXX XXXX XXXX. 

I have attempted to work with Chase claims as well as its online support and escalations department since. I have also worked extensively with XXXX XXXX XXXXXXXX as well. 

Chase insists that the funds were transferred per my instructions. But what I have found from XXXX XXXX  XXXX is that the funds were not sent to them. Instead, they were sent to some other company that handles investments like XXXX XXXX. 

I need Chase to help track where my funds were sent and help me in retrieving the funds with whoever it was that received the transfer. I have asked for this repeatedly but they instead just take a claim and respond denying to take any action. 

They state the following : We found that the transaction ( XXXX ) was sent according to the recipient 's email/phone number and the instructions you provided. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I know that the funds were transferred incorrectly, and I need Chase to help in recovering the funds. Chase has tracking numbers that they should be able to use to identify the recipient and then help to work with them to refund the transfer to my XXXX account. Chase is the only XXXX who can do this, as I can not identify the receiving institution and even if I could, they would insist that Chase works with them directly as the sending bank. 

In addition to helping to recover my funds, I feel that it was too easy to send this money to the wrong recipient. Chase should have more comprehensive instructions in its bill pay system as well as a process for checking and rebounding funds sent to the wrong place. In this case, my XXXX XXXX XXXXXXXX account number was used in this transfer and once the system read that the number did not match the accounts in the destination, the system should have blocked the transaction.
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit, Inc (TN)

First, Audi closed my accounts and reported it to the creditors that the account was paid and closed. My name was forged on deferment payments I have asked them to provide proof of my signature this representative had me to send her {$500.00} to defer my loans which is unethical. This company should be fined for scamming their customers out of money during covid.
Consumer complaint received 2024-02-16
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)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX ) // XXXX ( XXXX XXXX XXXX XXXX XXXX ), has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (GA)

This card was from First Progress. It was secured and I deposited XXXX from my bank XXXX XXXX. When First Progress was delayed in forwarding my card I changed my mind because the phone contact they gave when I filed the app XXXX XXXX XXXX XXXX XXXX and not First Progress. Their CS stated that they were familiar with who they were however did not handle their service. I went to XXXX XXXX and filed a dispute in order to cancel the process.. A couple of days later the card arrived. However a day or two later I received a statement where they had already taken the annual fee but were going to take another XXXX annual fee at the end of the month. So I contacted XXXX XXXX and they confirmed the XXXX XXXX  contact issue and filed the dispute regarding the annual fee. I wanted the entire process canceled and my monies returned. When I called First Progress the acted as it they didn't know what the XXXX I was talking about claiming they couldn't see the statement they sent me but viewed different into on their screen. Mind you I hadn't even activeated the card. in fact I still haven't because the wouldn't allow me to claiming that they had to take late charges when they had already taken the XXXX money out. This was my money. So finally when XXXX XXXX filed the dispute the monies were returned. Then a few weeks later my account was showing in the negative and XXXX XXXX had allowed them to take it my money back. Now this is a crime.on the part of First Progress. and if XXXX XXXX is in cohorts they will be viewed as an accomplice. It is Theft by Deception. I want my XXXX money back and it you feed me XXXX  I'll have your head supervisor arrested for obstruction of justice. They better have my mony back in my acct.
Consumer complaint received 2023-06-05
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: Westlake Services, LLC (GA)

Hello Im trying to reach the creditor to explain the account is not mine, and I called them more than 5 times but unfortunately they disconnected the calls, and they want to listen to me, this really fraud and trying to assign account not belong to me, its effect my score negatively. 
The company name is WESTLAKE PORTFOLIO MGM as per the attached Account overview Credit Close-UpSM WESTLAKE PORTFOLIO MGM XXXX Unsecured Loan {$84.00} Balance as of XX/XX/2023 Loan balance You've paid XXXX XXXX of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (KS)

Self Inc. notified me that they would be closing my Credit Card account by XXXX CT on XX/XX/2013. The email instructed me to contact their support team before XXXX if I did not schedule the closure. However, they sent the email at XXXX. They subsequently sent me a Notice of Adverse action that said the reason for termination was that they were " unable to verify customer information. '' I then went to their website and they said that they will not re-open an account but that I may re-apply for a new one.
Consumer complaint received 2023-06-05
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( SYNCB/AMAZON & XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PNC Bank N.A. (AL)

XX/XX/2024 CONSUMER FINANCIAL PROTECTION BUREAU Consumer Complaints Division XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Copy : XXXX XXXX XXXX XXXX XXXX, PNC Bank XXXX at PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS A COMPLAINT AGAINST PNC BANK AND XXXX FOR THEIR REFUSAL TO REFUND TO US THE SURPLUS FORECLOSURE FUNDS ON OUR PROPERTY Sir : While awaiting the response of PNC Bank on our original complaint, we conducted further research. Our research indicated that there was no proper endorsement of the note ( loan ) by XXXX XXXX  XXXX ( XXXX ), the original lender, to PNC Bank. 

In addition, our research also indicated that XXXX  XXXX XXXX XXXX ( MERS ) which assigned the propertys mortgage ( or security interest ) to PNC Bank was merely a nominee of XXXX  and had no financial or ownership interest in the mortgage and therefore it was in no position to assign or transfer ownership interest of the mortgage to PNC Bank. ( see attachments ). 

This is related to our complaint previously filed with CFPB that PNC Bank manipulated the calculation of interest and fees so they will eat up all the surplus funds resulting on the sale to XXXX  on our above indicated residential property ( see attachments ). 

We would like PNC Bank to send us, if it is in their possession, a certified true copy of the note endorsement by XXXX XXXX XXXX to them ( PNC Bank ). They can mail us a certified true copy at our address provided below. 

1. It appears that if there was no proper endorsement of the note, then the note still belongs to XXXXXXXX XXXX and PNC Bank had no ownership interest in our residential property that they sold to XXXX. 

2. If that were the case, the SALE TO XXXX WAS VOID.. 

3. As to the matter of fraudulent assignment of mortgage from XXXX  to PNC Bank, this further proves that PNC Bank has no ownership interest on the mortgage, let alone the note, and therefore the sale to XXXX was VOID. 

4. We believe THERE ARE OTHER MEMBERS OF THIS CLASS. We are not the only ones. There should be an audit of all foreclosure sales of PNC Bank XXXX XXXX during that period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I hereby inform you that the following accounts have been paid years ago and are still on my credit report, violating my rights as a consumer. I strongly ask you to review these reports. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX XXXX  Account # XXXX Balance Owed {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed {$0.00} Account Rating : Paid
Consumer complaint received 2023-06-04
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: ALLY FINANCIAL INC. (IL)

I have sent XXXX, XXXX, and XXXX multiple request to reinvestigate these accounts for months : Ally Financial : # XXXX and US Dept . of EducationXXXX : # XXXX. However, they have consistently stated that everything was complete and accurate. How is that even possible when the open dates and the date of last activity are clearly incorrect and much more? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are reporting incorrectly. 15 USC 1681 Section 602 A. States, I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : Also states ; a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) 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 USC 1681s2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate. 
I have repeatedly informed the above stated agencies that the information being reported is in fact incomplete and inaccurate and must be removed.