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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this  issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Consumer complaint received 2020-10-15
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. (PA)

Hello, XXXX XXXX XXXX has recently been involved in a $ XXXX Car loan settlement. I know that I am a part of this settlement and would like to move forward with receiving my title for my XXXX XXXX XXXX XXXX. I got this car back in XXXX when I was making {$12.00} an hour. My original loan amount was {$13000.00} at the time. Currently I have monthly payments of {$300.00}. Looking back I definitely was taking advantage of because I could not afford that loan at that moment. At that time I was making my payments on time and XXXX was reporting my loan as late and delinquent when I was not. I have a lot of late payment on my account that are not accurate and is causing my credit score to drop. I am not able to get approved for anything like a home loan because of these delinquent late payments that are on my account. To resolve this issue I would like XXXX to hand over my title and pay out my auto loan in full. Also delete completely of my credit report. I have had numerous issues with this company not reporting on time with my credit report. Also XXXX has deleted good on time payments dated back to XXXX and XXXX for no reason. I have called XXXX numerous of times and they have not done anything to resolve this issue. I have also sent out dispute letters to them and they always come back with telling me that everything is accurate when I know its not. I would really like this issue resolved as soon as possible.
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (TX)

Tower loan has made two hard inquiries on my credit without my consent. Once XXXX XXXX and again on XX/XX/2021. I tried to resolve with them but because my loan is late the refused to resolve the unauthorized hard inquiries on my credit. This is unacceptable.
Consumer complaint received 2020-10-15
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. (NC)

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX a

nd they said my ac count was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. I reached out to the XXXX, XXXX, and Experian to inform the m of dispute and
inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All three bureaus  failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile.

P.S.

All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I deposited a check for XXXX into my business account. They put a hold on it for 10 days. Before that the hold was only for two days but they said I endorsed the check wrong. When I went to the bank they checked to see how it was endorsed and told me it was fine. They told me there was nothing that they could do to change it. When I contacted the bank of the person that wrote the check, they said they were not able to give out information to my bank on whether or not there was funding. My bank is Regions and the person who wrote the check has XXXX. When I talk to the person who wrote the check the money had already left their account
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (NM)

Freedom Debt Relief has mis-led, used false marketing, and has not disclosed any information to me about my account. They charged ridiculous fees with nothing to show, collected over {$40000.00} from me did little to nothing of what was promised. Furthermore, they lied about what they could do, what they did, and what they were working on doing I cant even get copies of my agreement with them. When I log in, the website shows an entirely different account with someone elses social security number, banking information, and accounts. I closed my account and now they refuse to even tell me which accounts had settlements, and who the company contacts are. Ive wasted four years of money, energy, stress, and credit score on this company. In speaking to creditors, Ive found out some settlements were never even agreed upon! They lied, stole, and cheated me!
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hello, On XX/XX/XXXX, 2 purchases of XXXX  each at 2 seperate XXXX XXXX locations in Minnesota were charged to my Bank of America credit card account. I informed Bank of America that they were fraudulent charges and they took them off of my account and closed that account. 
On XX/XX/XXXX Bank of America mailed me a letter saying because I had done business with XXXX XXXX in the past they determined that the charges were made by me and put the 2 charges totaling XXXX  on my new credit card account that they had opened to replace the other account. 
On XX/XX/XXXX I made a report with our local police in XXXX, WA about the fraudulent charges. 
On XXXX I spoke with employee XXXX at XXXX XXXX and after I provided him with the last 4 digits of the compromised credit account and the date of the fraudulent charge he was able to tell me that the purchases were made by someone purchasing 4 - XXXX XXXX gift cards at 2 separate retail locations in Minnesota. He told me there is video footage available of the suspect making the fraudulent transaction. After that phone conversation I called Bank of America fraud department and gave them the information that a police report had been filed and that XXXX XXXX has further information about the fraudulent transaction. 
On XX/XX/XXXX I spoke with supervisor XXXX in the Bank of America fraud department. He told me he saw that the information that I had given to another employee on XX/XX/XXXX had been added to the file. He also told me there was no evidence of any further investigation being done by any Bank of America employee.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (VA)

This all happened on Saturday XX/XX/XXXX. 

Somebody changed the phone number on my account and then made a bunch of instacash advances of {$100.00} and then paid it back using my linked debit card and then took out a bunch more advances and then did that once more. Over {$1700.00} in advances were made and over a XXXX dollars of it repaid from my checking account. I called and reported this right as I saw it. 

After getting off the phone with the support lady I saw an email that said the phone number on my account XXXX was used to connect to a DIFFERENT account and was then disconnected from MY account. I told the lady on the phone several times that that was NOT my phone number. So why, after I reported this was this phone number allowed to connect to another account?! How is that not flagged as suspicious activity? I have been unable to change my phone number back until today, XX/XX/XXXX. I was told that you cant change your phone number twice in one day for security measures. Well how about instead of that, you use two step authentication to change anything? Something that isnt offered with this service, and if it is I havent been able to find out how to use it. 

I have so many questions. After this person changed the phone number and then immediately after started making multiple large instacash withdrawals, why wasnt that flagged as suspicious activity? And after they paid back the advances and then made MORE advances, why was that not flagged as suspicious activity? When they used all of the advanced funds to make two large purchases from a place in XXXX XXXX WHY WAS THAT NOT FLAGGED AS SUSPICIOUS ACTIVITY? And why, after I called to report this fraudulent activity, was my virtual card still active? 

I spoke with a woman from their fraud department directly after I saw all of this and reported it to her. That was also on XX/XX/XXXX. I called and spoke with her at XXXX [ EST ]. Nothing was done then nor could anyone tell me what was going to be done. This person took thousands of dollars from me and made a bunch of cash advances in my name. This is very clearly fraud. The area code of the phone number they used when they changed the phone number on my account didnt even match the state that I live in. There were so many red flags that their system should have detected.
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. 

I reached out to the Transunion, XXXX, and XXXX  to inform them of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All  three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (TX)

Dear Equifax I recently received a copy of my credit report and I notice there is ( are ) credit inquiry ( s ) made by : 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  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand you are not legally allowed to put an inquiry on my file unless I have authorized it.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

On XX/XX/2020, I closed on my Refinance deal with AmeriSave. On  XX/XX/2020, I received checks via XXXX for creditors & payout ; in which, I noticed 2 discrepancies. ( 1 ) My refi cash out check was - {$1500.00} short. I inquired about the issue with XXXX XXXX XXXX & AmeriSave, they both blamed the other. So I started an email thread with both included, I still got no where and still have not received my proceeds to date. ( 2 ) Per underwriter, I had to pay off my creditor, XXXX. XXXX provided documents & emails specifying I  was paid in full since XX/XX/2020 and they couldnt accept the endorsed check. Upon sharing this information with AmeriSave, they still denied the valid data, chose to ignore my current credit report that they pulled which showed a XXXX  balance. Refusing to accept XXXX check back to resend in my name. Its been over 28 days of frustrating, redundant back and forth emails/ calls of broken  promises of repayment to include tracking information and still no resolution to date!! CFPB please assist and get these folks to stop holding MY money hostage.

Consumers : I have been dealing with this refinance process with AmeriSave for well over six ( 6 ) long, frustrating months. With  other pertinent departments involved it was either people had delayed responses, their emails always stated not available which delayed paperwork process, which then expired, which lead me to resend. Now, when I should be excited and celebrating this unnecessary, time-consuming ordeal. The only great, professional, prompt, communicative person at AmeriSave was my loan originator, Mr. XXXX. I would have swiftly went elsewhere if it wasnt for him.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

I let Amazon know that I received a phone call telling me that I had made a purchase of {$720.00}. It gave me a phone number to call : XXXX. 
I called Amazon directly and told them what happened and they said this was a fraud. I did not call the number given to me on my phone.
Consumer complaint received 2020-06-11
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. (MD)

My mortgage company, XXXX XXXX XXXX  ( XXXX ), reported with Equifax and XXXX  that I paid my XX/XX/2020 mortgage payment 30 days late. I filed a dispute with Equifax and XXXX   disputing that error, but XXXX sent them ( Equifax & XXXX  ) a response saying I did pay my XX/XX/2020 mortgage payment 30 days late. However, XXXX reported inaccurate information on my credit report because, I did not pay my XX/XX/2020 mortgage payment 30 days late. XXXX received my XX/XX/2020 mortgage payment on XX/XX/2020 so, it was NOT 30 days past due. 

I have copies of my simply free checking account statement ending in XXXX with XXXX XXXX XXXX XXXX, which demonstrates that XXXX received their XX/XX/2020 mortgage payment electronically on XX/XX/2020 in the sum of {$2600.00}. I also have a screen shot of my XXXX online account activity, which shows that XXXX acknowledges that they received on XX/XX/2020 my XX/XX/2020 mortgage payment. These documents support my position to correct my credit file, but XXXX has been uncooperative and is killing my credit. I am just so confused and upset about this situation. My credit score dropped over 55 points.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington Law misrepresented their services. They said they could remove all the negative marks on my credit. Ive been paying them  since XX/XX/XXXX. As of now nothing of any note has been done. When I call them they always read from what appears to be simple script and nothing gets done. I would like a refund.
Consumer complaint received 2022-05-13
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. (TX)

I XXXX XXXX have contacted Experian XXXX, And XXXX reporting and sending proof that XXXX a victim of identity theft Including but not limited to a official filed police Report a Theft affidavit Copy of FCRA 605B making all consumer reporting agencies aware of the violations they may have coming their way if this is not cleared ASAP!

Experian failed to Remove the Fraudulent account 1XXXX XXXX Finance 3 XXXX XXXX Experian claim I did not provide a dl or identity theft report but I indeed did 3 -4 months ago Experian have failed to protect my consumer rights and did not Remove those fraudulent accounts or fraudulent addresses below even after sending in a complete filed police report and proof of address and DL Also Experian failed to make my credit report available to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( fraudulent address ) Experian Did not Remove XXXX FAILED TO MAKE MY CREDIT REPORT AVAILABLE WHICH IS CONSIDERED a violation Im seeking for damages in federal court XXXX : Failed to make my personal credit report available as well as reporting inaccurate information on my credit report account listed below NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX FAILED TO REMOVE THOSE FRAUDULENT ACCOUNTS AFTER ME SENDING A COMPLETE FILED POLICE REPORT AND THEFT AFFIDAVIT FOR THE FRAUD THAT OCCURED THESE ACCOUNTS NEED TO BE REMOVED ASAP AS IM NOT FILING A FEDERAL LAWSUIT AGAINST THESE COMPANIES AND WILL BE SEEKING FUNDS FOR FAILING TO PROTECT MY CONSUMER RIGHTS AND FOR THE VIOLATIONS THEY HAVE VIOLATED
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (CA)

I received a copy of my credit report and I noticed hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-20
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. (GA)

Reference CFPB XXXX, XXXX  claimed ( kindly see attachment page 5 para 2 ) XXXX  representatives did not receive a POA and therefore could not process the claim. ( Kindly see attachment 2 page 1 ) Showing when the check was issued and paid. No transactions could not be done without a POA if needed! ( I was XXXX at the time and my spouse had a general POA ) Requested Date : XX/XX/2013 Transaction ID : XXXX Issued Date : XX/XX/2013 Voucher ID : XXXX Kindly see attachment, payment history showing balance due. If XXXX  did not receive the check until XXXX  XXXX as stated, why XXXX  payment history ( same attachment ) show payment received in XX/XX/2013?
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (CA)

I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I paid in right time. XXXX associate did some mistake even though I paid correctly. I spoke to the associate in phone and they told mistake is at their end. But, the latepayment of 30 days, still showing in my credit report. XXXX has to fix this issue and report correctly as I paid in right time and mistake happen from their side.
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I was in an car accident XXXX of 2022 and my vehicle was totaled. I had gap insurance in which I was told would be covering the loan and they took it away from me without me knowing. 2 years later, It is not reporting to my credit report with late payments and a large installment loan which is affecting my ENTIRE life as far as getting a new car, getting an apartment or anything to even help me live. I was told it was going to be removed and they never removed it. Ive tried disputing it multiple times and it has no been removed. I was also told the car was for XXXX and the pricing has drastically changed as well. Credit Acceptance is the worst company for auto loans and due to their neglect of their customers they are refusing to do what should have been done.