davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.
Consumer complaint received 2022-12-19
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. (MI)

I called TransUnion/XXXX/XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an Account : on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
*XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX bank pulled XXXX and XXXX 's XXXX credit file without our consent. They admitted their mistake via letter that I will up load. We were in the process of refinancing XXXX  rental properties. We had to stop that process due to the unauthorized credit pull and sell the properties. The harm Caused is outlined in the law site that was filed on XX/XX/XXXX. we have incurred over XXXX in attorneys fees. The Bank still holds on the opinion that there was no harm and to this day they have still not removed the illegal authorizations. Our XXXX asked us to hire a credit expert to do a deep dive into our credit and he has provided the report. We are scheduled to appear in federal court in California in XXXX of XXXX. I will attach copies of both lawsuits tto this complaint.
Consumer complaint received 2021-03-31
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: Sequium Asset Solutions, LLC (FL)

A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.
Consumer complaint received 2022-12-19
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$40.00} US DEPT ED XXXX XXXX : {$1500.00} US DEPT ED XXXX XXXX : {$4800.00} US DEPT ED XXXX XXXX : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

XX/XX/XXXX I was furloughed due to COVID19, I filed for unemployment. 
I called Shellpoint Mortgage but the wait time is over 30 mins and no answer. I went online to submit the requests for assistance. I received letter requesting documentation on XX/XX/XXXX. I tried to call on several occasions, however wait times are crazy and online is not detailed nor provides updates. I finally spoke to someone XX/XX/XXXX they asked me to send in documents, so I did. I was advised today XX/XX/XXXX that the forbearance ( credit and late fees protection ) does not include XXXX or XX/XX/XXXX, only XXXX, XXXX, and XXXX. My hardship started in XXXX, however my first payment missed was in XX/XX/XXXX, and the forbearance does not cover XXXX at all, which is ridiculous and does not make sense. I started working as of XX/XX/XXXX and have started making payments. I reached out to get updates and XXXX in Loss Mit said she will review for deferment for XXXX and XXXX payments but the forbearance is only for XXXX, XXXX, and XXXX. The forbearance period should cover the time in which the hardship began and the hardship letter and all documents provided indicate my hardship started when I lost my job, and thus missed the XX/XX/XXXX payment. This needs to be rectified.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (WI)

on XX/XX/2022 at XXXX american credit acceptance received a Notice of rescission from me according to XXXXXXXX XXXX XXXXXXXX to which im still waiting for them to send me back my down payment of {$1500.00} plus the return of the title to my car. they have violated 15 usc 1640 ( a ) an should be held liable for damages.
Consumer complaint received 2021-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (WV)

On XX/XX/, I rented a car from XXXX XXXX XXXX XXXX and returned it the same day. I went through the normal and thourough check up that they do at the drop off location in XXXX, VA where I wasnt informed of any damaged done to the vehicle ( since there wasnt any ). I received a mail from viking billing service that I have damaged the entire front hull of the rented car and that I had a debt of approximately XXXX XXXX How could the entire front hull be destroyed without being informed noticed at the drop off location and not informing me witn anything at the time? Anyways, I paid insurance for this trip but the insurance requires an incident report showing how and where the damage was done. I dont have an incident report and Ive been asking viking billing service to provide with one for more than a year now ( more than 20 phone calls with them ). Viking billing service did not inform me of the option to dispute. 

It shouldnt be my responsibility to pay for something that wasnt pointed out to me at drop off. Leaving that aside, the insurance company which I paid for also wont accept to pay for the charges since viking billing service wouldnt give me a valid incident report.
Consumer complaint received 2022-12-15
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: CITIBANK, N.A. (MO)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as ate for any purpose.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : 1XXXX XXXX XXXX XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and XXXX XXXX, XXXX and Equifax that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. XXXX XXXX I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. This time they used my personal information to file government taxes.
Consumer complaint received 2023-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

For over XXXX months I have tried to change my direct debit bank and it keeps getting messed up. They keep tacking on late fees and pushing payments onto the end of my loan which accrues more interest for them.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC (DC)

The online payday loan was originally taken out in XXXX ( XXXX XXXX + XXXX XXXX ). I had lost my job at the time and didn't have employment for months ( until the end of XXXX ), so I was unable to pay them back. There was no fraud or bad checks written. In that time, the loan was passed off to a collections agency that has used illegal practices. Keep in mind, this is all past the statute of limitations for credit collections and this debt is NO LONGER on my credit report. I will attach a copy, so that CFPB can see I'm being harassed about a debt that's no longer on my credit report. 

The collections company called my cell phone via their number XXXX on XX/XX/XXXX. They NEVER stated the name of their company. When I asked for verification of the debt in written form, I was threatened with them contacting my job, and said I committed fraud by writing a bad check. They ultimately refused to send me a written verification of debt and stated the only written verification of debt that they would send me is a subpoena. I made them aware of the fact that I live in the District of Columbia and it is illegal to harass or threaten consumers under Law # 28-3814, and blocked the number to prevent future harassment.
Consumer complaint received 2022-12-19
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. (PA)

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt
Consumer complaint received 2021-01-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY (DE)

We have a home equity loan that was opened for 15yrs with automatic payments withdrawn. The loan was set to end in XXXX, XXXX and I believed that the final payment would be taken from our checking as it had been for all others. I called TD to confirm that the account would be paid and closed but was unaware that the last payment needed to be in the form of a check. In the call the representative did not advise me that a physical check needed to be sent. On XX/XX/XXXX, after receiving a foreclosure statement for {$510.00}, I spoke with a TD representative and explained the situation. I received a pay off quote and made the final payment while on the phone. The representative indicated that TD would remove any delinquency involved with the last payment balance, the debt was paid in full and the loan would be closed.The call took over 2hrs to complete. In XXXX, I received another foreclosure statement with a balance of {$25.00} which consisted of {$.00} in residual interest and a {$25.00} late fee. After spending over 2 1/2 hours on hold and talking to representatives, I was told that the {$.00} was residual finance charges that should not have been assessed. They would take care of the {$25.00} balance and clear any associated delinquency. Today, XX/XX/XXXX, I received a Suspension of Statements & Notice of Charge Off, my mortgage loan has been charged off in the amount of {$25.00}. I called TD again, went through multiple agents, who indicated they could see all of the notes and calls but would need to refer this to a manager to look at and decide what is next. We have been loyal TD customers for over 20 years, have multiple accounts and have faithfully paid any debt that we have with them. I am asking for your help in resolving this matter.
Consumer complaint received 2022-08-02
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. (MA)

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. 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX, Account # XXXXXXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ASLO, 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. it is my right!
Consumer complaint received 2022-08-02
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. (GA)

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I sent money to a friend XX/XX/XXXX on venmo to pay rent to the tune of {$2000.00}. My friend never received the money and she showed me proof. All of a sudden they closed her account and closed mine. I disputed with my bank to get my money bank XX/XX/XXXX. They denied the dispute claiming they had refunded my money. I didnt receive a refund from my bank or venmo. My XXXX $ is still missing and venmo is giving me all type of excuse regarding chargeback etc I feel like this is a ploy to just take my money. They keep talking about a negative balance on my account that shouldnt exists and I wish I could see it myself to know whats going on.
Consumer complaint received 2021-08-22
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. (NY)

XXXX XXXX/XXXX  incorrectly reported a credit card balance after I fully paid off the balance and closed my account in XXXX, XXXX. This resulted in a delinquency record on my credit reports and a significant damage to my credit score. I contacted XXXX XXXX  and all three credit bureaus ( XXXX, Equifax, and XXXX  ) multiple times during the past month - XXXX XXXX has been extremely difficult to deal with. 

After many phone calls I was not able to get a response from the department that handles credit report disputes. Their representative first said that they already sold my account to a collection agency and would not be able to help me. I then had a conference call with XXXX XXXX  and the collection agency to confirm that there was no outstanding balance associated with my XXXX  XXXX/XXXX  account, as the collection agency already did an investigation in response to my dispute and promptly removed their false collection records from my credit reports. But XXXX XXXX  is still not able to remove their false information in a timely manner. I was given conflicting directions - one representative told me to file a dispute directly with the credit bureaus, and another representative told me to mail a letter to the XXXX XXXX  department that handles disputes. I did both, and XXXX  a letter with supporting document to XXXX XXXX  on XX/XX/XXXX. The XXXX  tracking number shows that XXXX XXXX  received my letter on XX/XX/XXXX. However, as of XX/XX/XXXX, no one in XXXX XXXX  was able to confirm if they received my mail or not, and if anyone was reviewing/working on my case. A XXXX XXXX  representative told me that even if they received my letter on XX/XX/XXXX, it could take up to 90 days to review and reach a conclusion. This is an unacceptable amount of time, especially for a case that was already investigated once by the collection agency that XXXX XXXX used. 

XXXX XXXX/XXXX  is by far the worst financial institution I have had to deal with. They do not have the ability to handle customer account records correctly and resolve customer concerns timely. Their irresponsible actions have resulted in a significant damage to my credit score and financial implications.