davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (TX)

Revolut has asked for me to verify my account funds. 

I have provided documentation, but they have frozen my account while they review. They have had the account frozen for more than 3 weeks. They have provided no email address for me to send documents, so that they can perform verification, and they have provided no means for me to contact them. 

I now do not trust that they even have my money, and I want to withdraw it, and they have said that I am not allowed to withdraw my money and close my account. My next step is to file a claim with the FDIC for the return of my money.
Consumer complaint received 2022-09-26
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-03-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I mailed LVNV FUNDING a debt verification letter on XX/XX/2020 asking the collection agency to verify the debt. LVNV funding responded with a letter just stating I owed {$960.00} dollars for a credit card debt with XX/XX/XXXX I then sent a letter certified return receipt on XX/XX/2020 ( delivered XX/XX/2020 ) stating their response was insufficient, and requested the contract I signed that gives them legal standing to collect said debt. Their attorney XXXX XXXX XXXX sent a letter stating LVNV funding would obtain a debt verification or a judgment against me for said debt. LVNV funding refused to validate the debt and ignored my request for the contracts it assumed I signed giving legal grounds to collect debt. I disputed the account from my credit report XX/XX/2020 with XX/XX/XXXX for failure of debt validation by LVNV Funding. I also disputed with XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXXin terms of LVNV funding violating my rights under the FCRA in allowing LVNV to inaccurately report this collection account on my credit. LVNV has reported this account as a factoring account with a one month term limit with a balance of {$960.00} ; while also negligently reporting 20 months late payments on a collections account of debt LVNV claims to have purchased. The credit bureaus investigated my disputes and stated LVNV meets the requirements of the fair credit reporting act. I stated in my disputes I did not sign any contract with LVNV debt collection agency and it was a violation of my rights to allow them to inaccurately report on my credit and requested LVNV funding be deleted from my credit report. LVNV Funding refused to validate the debt, provide the contract or bill of sale from the original creditors, and violated my rights under the FCRA by reporting monthly late payments, and all 3 bureaus has allowed these violations to happen, and further damage my credit, illegally. Now XXXX, the LVNV attorney who refused my requests for documentation for debt validation, has filed a lawsuit against me in my county, court case ( XXXX ). XXXX XXXX stated in last letter to me ( forward to my new address by USPS, XXXX XXXX refused to send letters to return address on the letter I sent LVNV ) he would either validate the debt or receive judgment on the debt. XXXX XXXX has never validated the debt, instead he has followed through with his threats of legal action. LVNV funding has violated my rights numerous times with the complicity of the credit bureaus.
Consumer complaint received 2020-11-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

1 ) So I have XXXX derogatory marks-have owned my house since XX/XX/XXXX ( over 4 years ) it says my credit age is 1 yr and 9 months 2 ) I applied for an auto loan for a XXXX brand new XXXX XXXX XX/XX/XXXX and the dings on the credit inquiries are OUTRAGEOUS!! ( Hard Inquiries over a year ago ) That is completely ridiculous that that is dropping my score XXXX pts!! The auto has even ben paid off and I not longer have the loan. 
3 ) my credit is and has been perfect since XXXX ... .the scoring system is a total sham and needs reviewed and revised badly
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I was not informed that our loan had been transferred and I received nothing from the new servicer Roundpoint telling me that they would be servicing my loan or where to send payment. I had sent my XXXX payment to XXXX XXXX as usual on XX/XX/2020. The check was returned to me some time later, with an explanation that they no longer serviced our loan. When I finally spoke to someone helpful at XXXX, they informed me over the phone that my loan had been transferred and they were no longer my loan company. I received nothing in writing. I asked why my payment had not been forwarded to Roundpoint, and was told that the policy is to return the payment to the former client. 
I then contacted Roundpoint and asked for something in writing stating that they were our new loan servicer as nothing was sent to me either before or after my request for some proof of the loan transfer. I also asked for something stating to where the payment was to be sent and what was our loan number or any documentation to attach to the payment. I was not provided anything after 4 calls to Roundpoint. 
Roundpoint finally did send something in writing, a form document dated XX/XX/2020 Offering free Homeowner Assistance Consultation and multi-page documents for delinquent payers. This document had our new Loan Number and their address at least and I sent them 2 payments as they were indicating I was delinquent, when in fact I had paid on time to my then loan company XXXX. 
Without doubt, this has been an exasperating and disappointing experience. I was not informed my loan was sold, was not given instructions for payment and Roundpoint refused to send any loan payment instructions. In speaking with them over the phone I discovered that they didnt even have our mailing address. Our mailing address is XXXX XXXX XXXX. Our physical address XXXX XXXX XXXX is not a mailing address per the USPS and mail is not delivered to XXXX XXXX  XXXX. Our previous loan servicer had our correct mailing address. 
I pay my debts in a timely fashion and I find it almost incomprehensible that the poor business and customer service practices of Roundpoint Mortgage have adversely affected my good credit.
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

I had an account with XXXX. The account was paid in full and settled in XX/XX/2020. XXXX is still reporting that I have an unpaid balance to the credit reporting agency Equifax. I have consistently reached out to XXXX asking them to update my account information and they have not. 

I also reached out to Equifax sending the documents to prove that the accounts been paid. Equifax asked me to provide my identity. I submitted all documents requested. Upon submitting documents, Equifax sent me a card saying they could not find my credit file. I'm not understanding. I am getting a run around from both XXXX and Equifax and this is becoming stressful. I have submitted all proof needed and requested documents.
Consumer complaint received 2022-08-15
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. (TX)

XXXX XXXX  is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called XXXX XXXX  several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with XXXX XXXX and their reporting has halted my chances of that of happening, I need this information corrected immediately.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX my wife and I exercised our rights to cancel the loan we closed with SunTrust Bank on XX/XX/XXXX. On XX/XX/XXXX we made a written request to SunTrust Bank for a refund of all fees paid by us in connection with this transaction.

We had paid a total of {$580.00} for an appraisal and a credit report.

We received a letter from SunTrust Bank dated XX/XX/XXXX that stated in part " we respectfully decline your request for reimbursement. '' OnXX/XX/XXXX we sent a letter to XXXX XXXX at SunTrust Bank asking that they reconsider and included the wording from Section XXXX - Truth in Lending, specifically paragraph 23 ( d ) ( 2 ) which directly addresses our issue with SunTrust Bank. 

OnXX/XX/XXXX I received a call from XXXX at SunTrust Bank and she informed us again that SunTrust would not refund the {$580.00} we paid in connection our mortgage refinance request. 

I will note I called your agency in XXXX to discuss the section of Truth in Lending noted above and was told clearly that SunTrust must return these funds. 

Please let me know if you need anything further from me at this time. Thank you in advance for trying to help us.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

I would like to draw your attention to XX/XX/2022, and XX/XX/2022 I sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Coinbase never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
Money was transferred from my XXXX XXXX XXXXXXXX and XXXX XXXX XXXX account in the total amount of XXXX USDT and then to scammers utilizing Coinbase services.
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (MA)

I NEED TO RETAIN AN IMMEDIATE RESPONSE AS TO WHY I HAVE NOT RECEIVED A RESPONSE IN REGARDS TO THE CHAPTER XXXX BANKRUPTCY STILL REPORTING ON MY CREDIT REPORT. THIS IS A DISCHARGED ACCOUNT, I HAVE TRIED SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW A REASON WHY NO ONE HAS RESPONDED BACK TO ME AND I WANT TO EXPRESS HOW THIS IS REALLY AFFECTING MY FROM PURSUING CERTAIN GOALS, I WOULD LIKE TO ACHIEVE.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the fair Credit reporting act XXXX account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

1. On XX/XX/2021 I withdrew {$700.00} from my BBVA checking account to fund a {$690.00} transfer ( plus {$5.00} transfer fee ) by means of BBVA " XXXX '' money transfer system. 
2. On XX/XX/2021 the transfer was not sent and BBVA, in an attempt to correct the failed transfer, withdrew {$700.00} from my checking account instead of depositing the {$700.00} back. 
3. On XX/XX/2021 the recipient of the transfer alerted me to the situation that the transfer had not occurred. I checked my BBVA checking account online and realized that instead of depositing the {$700.00} back into the account, BBVA had withdrawn {$700.00} from the account. 
4. On XX/XX/2021 I visited the XXXX branch of BBVA in XXXX to have the bank correct their mistakes and deposit the {$1400.00} to my checking account. The bankers at the branch recognized the mistakes totaling {$1400.00}, and said they would work to solve the issue with the corporate office. By XX/XX/2021 BBVA USA bank had fused with PNC bank, and branches were not able to correct mistakes like these any longer. 
5. On XX/XX/2021 I emailed all information about the {$1400.00} mistakes to XXXX XXXX, BBVA/PNC XXXX area branches district manager. I talked on the phone with her and she also acknowledged the {$1400.00} mistakes the bank had made. 
6. On XX/XX/2021 XXXX emailed me to ask me how would I like the {$1400.00} transferred back to me. I requested the {$1400.00} to be deposited in my checking account. 
7. On XX/XX/2021 I was contacted by XXXX XXXX from the PNC corporate office, with whom I talked on the the phone the next day XX/XX/2021. XXXX advised me neither he nor the corporate office could correct the mistakes as they did not have access to BBVA transactions. 
8. As of XX/XX/2021 my {$1400.00} have not not been deposited in my account yet, and have not been given a date of when the {$1400.00} will be returned to me.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (SC)

I received a payday loan from Advance America in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX, SC XXXX. I assumed my loan had been paid off. I have received calls periodically over the past XXXX years from some type of third party agency stating I still have an outstanding debt to pay back. They last contacted me on Thursday XX/XX/XXXX. They first called my mobile phone and left a voice message and turned around and contacted my administrator before even allowing me to call them back which I DO NOT appreciate. I have NEVER received anything in writing from them, and when I ask for a certified letter of what I owe I'm always told they have tried to contact me by phone several times. They go on to tell me I owe {$240.00} and will turn around and say I owe {$840.00} in interest. When I try to contact the local branch of Advance America where I received the loan from, they tell me they can't help me and refer me back to that same agency that I don't even know the name of. They only reference their name, my case file #, and that they are going to take legal action. Again, this has gone on for over XXXX years now and I have yet to see any type of legal action take place. I will pay back what I owe IF I owe something but they will need to send me something in writing first. I'm complaining about Advance America because of the confusion and because of the third party collection agency they use. I don't need to be threatened by anyone of legal action. And I don't want calls being made to my place of employment! They are VERY rude and won't let the consumer talk. They talk over you and get louder when you're trying to get your point across.
Consumer complaint received 2020-10-15
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I have an account with Toyota Motor Account # XXXX, the payment status which is listed isn't accurate. I have reached out to Toyota Motor to question the payment history They sent me a letter which I attached saying that no late pays existed and no other mention about anything negative reported. I am unsure why I am still seeing negative comments listed on my credit profile ( see attached ).