davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 B States a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2022-01-11
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. (DE)

It has been well over 30 days since complaining about errors on all XXXX credit report for XXXX XXXX for inaccurate markers, as well as with XXXX XXXX in regards to XXXX that contains bills once removed and then readied from my deceased sister XXXX XXXX, and a former tenant XXXX XXXX, in a former rental property in PA, and information still remains on my report although inaccurate. In addition I was the victim of identity fraud and utility services were used by someone unknown. This has been a total nightmare and to have to deal with inaccurate credit as a result of this devastation, is a lot to handle. 

XXXX XXXX continues to report inaccurate info is still being reported even when I am current on my payments, and a paid of account as of XX/XX/2021. XXXX also without my authorization pulled my credit multiple times without my permission, causing inaccurate inquiries, lowering my score. 
I have requested for at least 5 months, sent in XX/XX/2021, to all three bureaus to remove inaccurate info, and they have not. Equifax in particular is non responsive to my credit error issues, after repetitive calls and and letters. Also complaints through XXXX parties such as subserved serviced with XXXX and XXXX XXXX sent disputes. Please assist me with getting these 2 item removed as it is hurting me in getting a home with this inaccurate information on my reports.
Consumer complaint received 2022-02-17
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. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-12-09
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: Cascade CISS Holdings, LLC (PA)

Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MI)

This is an addendum to yesterday 's closure of the complaint after speaking with someone familiar with Foreclosure law. Shell Point Mortgage is in violation of Michigan law for the following reasons 1. Michigan law states that 15 days before a notice of foreclosure is sent to the newspaper. The sheriff must post on the property a notice of foreclosure as of XXXX am est on XX/XX/2022 no notice has happened the first newspaper notice was placed on XX/XX/XXXX or around that time. Which shows they don'tcare about the laworconsumer rights. 

2. I have asked them numerous times to contact me so we can discuss this they have not responded.

3.The website says we are in forbearance or foreclosure which is it. 

We are adding this to our MI AG Complaint
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I am filing this complaint because PRO COLLECT has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Consumer complaint received 2022-01-11
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)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (MI)

On XX/XX/XXXX I applied for a auto loan through XXXX XXXX of XXXX. On XX/XX/XXXX after taking possession of the car I realized that the dealer lied on documents saying I only made half of what I actually make monthly. They stated that i have a monthly income of XXXX dollars monthly when I in fact make choose to XXXX dollars a month. Santander XXXX XXXX is who agreed to finance the loan. With a APR of 24.07 % at 75 months for a XXXX XXXX XXXX XXXX with a sticker price of XXXX, I'll have paid an additional {$24000.00} for this car over the life of the loan. More than 2 times the actual value or asking price. I contacted Santander on XX/XX/XXXX to use what my options were as far as a cooling off period to possibly return the car without a penalty to my credit. At that time they claimed to have 0 record of me, my account or my vehicle. Santander just recently settled for some odd XXXX XXXX dollars for providing predatory auto loans so this seems to be a common practice of theirs
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I extended my lease with XXXX XXXX of XXXX XXXX NY for another 6 months. I am up to date with payments and the dealership told me that I am all set and to simply continue making payments. I have been receiving notices in the mail and calls to return my car, as well that I am behind in payments. I called them several times regarding the same issues to explain that I am current, and extended my lease. The last time I spoke with them they said to please disregard the notices as they made a mistake. My credit report now shows someone elses delinquent account that I am not a co signor for, and my credit score has gone down over 70 points because of this. I have been trying to reach them again and have been given the run around. No one has called me.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (PA)

Starting XX/XX/XXXX is when I first noticed my account said delinquent. I contacted the Upgrade.com immediately to find out what the problem was since my payments are autopay on my due dates. I was told by a representative that it was a glitch in their system and it would be resolved. After XXXX phone calls and several emails it is still not resolved. My account is now stating I am 15 days delinquent for {$9.00} and no one can assist me. I even paid the {$9.00} today XX/XX/XXXX to see if that would resolve it and now it says Im past due {$7.00}. This issue has happened in the past with this company due to a glitch in their system. No one is helping me.
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

Good afternoon, Credit Collection Services have derogatory information on my XXXX Credit Report. They are stating I owe them {$67.00}. I do not owe them any money. I never sign any contract with Credit Collection Services. They are stating it is from XXXX. I have medical insurance that I use when I go to the doctor. Therefore, I do not owe them any money. I have medical insurance which covers all of my doctors visit and lab work. 
File # XXXX Phone # XXXX.
Consumer complaint received 2022-01-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-11
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. (WI)

I took out a loan from XXXX XXXX to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to XXXX XXXX, the lean holder. XXXX XXXX returned the check to XXXX  XXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time XXXX XXXX is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX  points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be zero and it's affecting my credit really bad.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During the end of the Summer in 2021 I was taken advantage of through my bank account and Bank of America. I have filed primal charges against those involved in the scam to access and cash out debits form my Bank of America account. Never once did BOA flag these aronius and numerous actions on any given day as fraud. When I was finally healthy again I went to Bank of America to get my records and and explanations how my address was changed to a Florida one without proper identification and how they would allow numerous withdrawals each day of cash. They not once flagged these as fraud. Furthermore they changed the first person my son and I spoke to at BOA in XXXX NY and the second person could not find my account records or even my social security deposits I live off of. They then printed out after 4 hours what they could find and told us that is all they good do. The fraud department never called us back nor did they provide any way for me to reconcile the money.
Consumer complaint received 2022-01-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION (IN)

Sallie Mae has denied me access to my account. I am unable to verify if my payments have been posted to my account. They are calling family and friends and harassing me, but refuse to allow me to verify my balance. 
I lost my job due to covid and I am trying to get on my feet. They are jeopardizing my job, my credit score and my XXXX  health. 

I believe they are missing payments, but I can not resolve anything without access to my records. 
Thank you
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (CA)

To : XXXX My tax preparer told me things are off because of an NFCU banking error. On XX/XX/2021 a {$1500.00} transfer from an account ending XXXX was made to an account ending XXXX. The transfer was made in error. Account XXXX immediately transferred the {$1500.00} back to account XXXX - same day. Account XXXX shows the transfer was made, however ; the {$1500.00} was never posted back to account XXXX. Account XXXX had a balance of {$3600.00} prior to the transfer. After the transfer occurred, the balance went down to {$2100.00} however account XXXX reversed the transfer so the balance in XXXX should have gone back to {$3600.00}. However, it stayed at {$2100.00}. NCFU refuses to correct the error and {$1500.00} is missing from account XXXX. This is not the first time that I had to file a CFPB complaint, in the past, NFCU tried to hinder my tax filing by refusing to correct a 1099 form. Pursuant to the Dodd-Frank Act, CFPB has the authority to take action against institutions or individuals continuously engaging in unfair, deceptive acts and practices which violate federal consumer financial laws.
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HANCOCK WHITNEY BANK (LA)

On XX/XX/2021 I sent letters to Hancock Whitney about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}
Consumer complaint received 2022-01-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I have never signed an agreement. This is not the original creditor. This is a duplicate account. 

Title 16 CFR 433.1 Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 

18 U.S. Code 1341 - Frauds and swindles Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX ; XX/XX/XXXX, XXXX. XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, ( XXXX ) ( j ) ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( i ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX ( h ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXV, XXXX, title XXXIII, XXXX ( XXXX ) ( H ), XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, title XXXX, XXXX ( a ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. )
Consumer complaint received 2021-12-12
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. (IL)

I just received my credit report, and noticed unauthorized items reported on my credit profile. My identity was stolen and someone went out of town and fraudulently used my identity. 
I happen to get an email also verifying the information.
Consumer complaint received 2021-12-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (FL)

On XX/XX/2021 I tried to write a check for cash at a XXXX supermarket and It was denied. this is the first time this has happened. I sent off for a report on me and it came back with no reason they denied the check. The same thing happened today XX/XX/2021 at a different XXXX. I have written many checks here over the years and have never had one returned or denied. They have wrong information on my list of checks I have written and I do not have a way to correct them since I can never speak to a live person. There is no reason for this and this company is going by wrong or no information. The company is Certegy. Both amounts were for {$77.00}.
Consumer complaint received 2021-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I share a home with my son and his husband. We each pay half the mortgage. We explained this to XXXX XXXX, our mortgage consultant. We made our first payments, both paying exactly half of the payment due. And then we received a late notice. When I log into the account, the bank has allocated the payment into " unapplied funds '' and explains " when you do not pay a full payment, we will hold the funds in unapplied funds until partial payments being held in unapplied funds equal the total amount due. '' Because the two payments equal exactly half the monthly payment due, the bank 's criteria was met by the two payments, and I am tired of being pressured to open accounts that I don't want to make a single mortgage payment. This is what XXXX XXXX did to their clients and I will not allow BofA to do it to me.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, Huntington Bank sent me a text saying that they believe my checking account had an unauthorized payment of XXXX cents as an international fee. Of course this was not me so I sent them back a text saying yes this is indeed not authorized. A few minutes later I check my checking account to see Huntington Bank had let XXXX different transactions all for the same amount of {$28.00} from XXXX go through. These payments occurred in a different state ( New York ) and I live in Ohio. I immediately called them and told them these payments were not authorized and that my account was comprised. They closed my account and gave me a new card in the mail a few days later. On XX/XX/XXXX I was refunded this money of XXXX payments of {$28.00}, a total of {$260.00}. However, on XX/XX/XXXX this money was again taken out of my account from Huntington Bank and they informed me that they did believe the payments were authorized. I have been fighting with them for months over this issue but theyre still disagreeing and saying these payments were authorized when they were clearly not. I was even told the reason why they believe they were authorized was because of my old card being used on an XXXX XXXX account. I have not recently added that card to any XXXX XXXX account. The only thing I can think of is that my old card was still on my XXXX XXXX account and I accidentally may of tried to use it on two different purchases. XXXX not sure why this would matter as it has absolutely nothing to do with the XXXX separate transactions from a completely different state along with the international fee occurring right before. Im very disappointed in my service and feel like Huntington Bank is treating me unfairly and would like my money back into my account.
Consumer complaint received 2022-01-11
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. (GA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have a letter from credit management a creditor that's on my credit report they have agreed and sent a letter i have sent to Transunion and called to notify them of and yet the item hasn't been removed. i dont know what more they need when I have a document from the creditor saying to remove the item.