davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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. (TX)

I notified Transunion that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. Transunion however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX  me. The transunion rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-XXXX XXXX XXXX issue- I have reported for two years to the bureaus that XXXX has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX  is the only one that removed XXXX XXXX. Please have all bureaus remove the XXXX & XXXX XXXX Thanks
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO Bank, N.A. (WI)

My car was totaled and I still owed a balance on my auto loan. The loan did become past due as we waited for the insurance payments from primary insurance, warranties and gap insurance. After it was past due for a bit I stopped getting statements, and did often make payments over the phone. I never received any statement of my payment showing the amount I paid down. I never understood my balance as I was told there was no longer interest on the loan. So why when I made a payment did the balance not go down that same amount. I asked for statements, but they never came. I was also told on the phone the debt would never be charged off and it still was with a balance of {$240.00}. I understood the balance was paid, but it was not. However I would never have know as I never received any statements.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I was advised by a XXXX XXXX  at Bank of America that the fastest way to pay off the existing mortgage is to initiate on online transfer of funds between two accounts at Bank of America. I was assured it would take approximately 3 business days and given a payoff amount that I agreed to. When I called on XX/XX/XXXX to check on the status of the transaction, I was told it was being processed with the completion date of XX/XX/XXXX. On XX/XX/XXXX, I was told that the transaction failed, because the amount given to me was incorrect and the new XXXX XXXX was initiated. On XX/XX/XXXX, I was told that there is no explanation as to why this wasn't processed and the new case was started with the assurance that this time it was definitely going through within 24 hours. On XX/XX/XXXX I called again and was once again told that the transaction if going through and should be completed within 24 hours. On XX/XX/XXXX, I was told that the supervisor will call me back to figure out the best way to resolve the issue - nobody called me back and I was actually given a fictitious name of the supervisor. I've asked during several calls to initiate the wire and was assured that automatic transfer would happen anyway. Please help. I need to payoff the mortgage ASAP.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX the XXXX my girlfriend and I were scammed by people pretending to be apple support. My girlfriend went on the apple website to get a number to call the apple company about a charge on her account. When she called the first person, she informed her that her apple account was not safe and that people were going to hack into it unless it was protected. This women had information about my girlfriends account that made it seem like she was actually apple support. She told her that she had to secure all her apps that was involved with money because the women told her that someone was using her apple account to spend money on from XXXX and XXXX she had to secure each app that involved money. Which was her chase account, cashapp and other apps. When it came down to cashapp the women told her that someone needs to send her money for the process to continue. I was unsure to why she needed the money but she was playing as a apple person like I said and knew information about my girlfriends account that made us believe she was real. Throughout this whole process we kept being told we would get our money back. We spoke to two other " apple support people '' that said all the money would be returned and it never was. My issue is that I called my bank Capital One and told them that the money that was taken out of my account was not sent but it was wired to the people that scammed us. I did not authorize any of those chargers that was given to those people and I told them that they made it look like the money was sent to my girlfriend but she has proof in her XXXX account that she never got any of that money from cashapp. Plus we have the screenshots showing that a good deal of the money was transferred to these different people through cashapp but it does not appear on our bank accounts ( which goes back to my point of them making it look like My girlfriend and I are sending money to each other. ) The amounts that I want back is {$680.00}, {$700.00}, {$790.00}, and XXXX since I never authorized these charges and it was wired to these people without my permission. I called my bank but they are making it extremely challenging to get the money back despite me having all the proof and evidence to pack up my claim. Plus I never disputed any charge or filed a claim before for as long as I had my account so I do not need to lie. If I am scammed with evidence and proof that these people scammed us that should be enough but the bank said that since it was completed there was nothing they can do. I never approved of these charges being taken out and given to these people and my bank is making it hard for me to get my money back for no reason. Even XXXX gave my girlfriends back her money after this scam but my bank won't and I feel like that is unfair especially due to the circumstance and the facts that I have evidence to prove it. ( I sent all the evidence over to the bank when I filed my compliant before so they should have everything already ).
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I paid my regular required loan on XX/XX/XXXX On the XX/XX/XXXX I made an additional payment to be applied to the PRINCIPAL ONLY. 
I just received my XXXX statement where the company ( One Main Financial ) took {$57.00} out of the {$110.00} for themselves as interest. 
Only {$58.00} of my {$110.00} was applied to the principal which I had made the payment to only the principal. 
On my first and regular payment made on XX/XX/2021 again Only XXXX went towards principal and {$100.00} went to OneMain for Interest. 
I need assistance in clarifying if I send in my payment to be applied to the Principal balance after I had already made my regular monthly payments, can OneMain do what they did with my principal payment? 

My second complaint against this company is : They never advised me that they were going to use my car as Collateral. It was not until I was called in to sign the papers they told me they need to inspect my car and need insurance papers on my vehicle. 
At closing all additional stuffs are added to documents to be signed on a computer the day of closing. 
No hard copy of all charges is given to be read before closing date and time is scheduled for me to sign. 
I think this company needs to be more transparent in their lending practices and requirements, due to the fact that their targeted consumer market is lower income families. 
I have purchased over three homes in my lifetime, and have never confronted any accounting methods such as OneMain Financial accounting practices. 
The loan is hardly been reduced. 

Thank you for yoyr attention to the this matter.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX  and Experian are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (GA)

My wife and I moved to our new apartment, in the middle of a COVID national shutdown, in XXXX of 2020. XXXX was the company I chose to be my cable/internet provider. Before leaving to my new place, I closed my account at XXXX. My new apartment will provide cable & internet for me, that would be included in my monthly rent. XXXX was also going to be my cable provider once I moved to my new place. Now, Ive been here at my new place for months, without any issues, until I get an alert from my credit monitoring app on my phone. The alert was for a new collections account added to my credit report by XXXX for the amount of {$230.00}. After several attempts to resolve the issue with XXXX, and several promises made by XXXX to delete the Collections account from my credit report, all they have done for me is update the balance of my new collections account to {$0.00}. Which does absolutely nothing to repair my credit, that they so effortlessly destroyed. Its still a collections account on my credit report, that unless deleted, or removed, will have catastrophic effects to my financial freedom. I was in the process of buying my first home, but thanks to XXXX, that may be impossible. At least for the next 7 years. XXXX absolutely refuses to do good business with a loyal customer. XXXX gave me an excuse. XXXX says that because of COVID, they werent requiring customers to pay their bill for a few months, without penalty. And, although there is obvious evidence that I closed my account, before moving to the place I live now ( which they see my active account, with my current address ), their system kept charging me for reasons unknown by them.XXXX  scammed me for no reason!
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX - showing late 7 times - i was late twice due to loan mod target - fraud charges - won class action - wont take it off XXXX XXXX - wont up date as paying only owe XXXX XXXX shows not paid - i paid in full
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

I had an old account with XXXX which was paid off through their collections department. I am now getting calls from Southwest credit saying they are a debt collector on behalf of XXXX. I have told them repeatedly I have paid this off with XXXX to no avail.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TX)

I purchased appliance on a 120 days finance cash offer form XXXX XXXX in XXXX XXXX and American First Financial ( AFF ) finance the purchased ( {$1400.00} ). Made payment of {$140.00} every 2 weeks. No problem no issues. However, after the 120 days were up, I'm waiting to get a notice with the final payoff balance, nothing but they continue to take the payments out ; so finally, after several additional payments came out ( {$1600.00} total ) I called AFF and inquired about the payoff balance and was told at that time the payoff balance was ( {$1400.00} ). So, I asked why, and I was told I miss the payoff date and therefore a maintenance fee was assessed. The cost of the appliance double. When I stated this to the rep on the phone, she said she can give me a discount and I can pay off the balance for ( {$890.00} ). I am cool if there is an interest that I have to pay for financing the appliances ( washer/dryer ) but for the interest to be assessed at 85 % -100 % is very predatory practices on the part of the lender. I tried to negotiate a reasonable payoff balance since I have already paid over {$1600.00} for the appliance that were supposed to cost under {$1500.00} but the rep said there was nothing she could do, and that no supervisor was available for further resolution.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX account shows on my personal credit report. Wish to dispute this item as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud as I am a previous victim of identity theft.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America someone stole around XXXX dollars from my edd card, I desperately needed that for bills. bank of America keeps saying they will help and but nothing happens. I have been trying for two months to get my money back. when I call the claims department which takes hours to get someone. they say they will return the money, that I'm not at fault, but what actually ends ups happening is they just close the claim.- never received anything in the end timeline of events- 1. I call - agent says claims will be escalated- received a letter -no fraud case closed 2. I call again- agent says it was a mistake, reopens the case, the claim will be made a priority and I will be getting my money back - weeks go by they close my case nothing happens 3.I call again. agents say they will escalate my claim again - but nothing happens again
Consumer complaint received 2022-07-20
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. (FL)

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, XXXXtevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I keep have hard and soft inquiries on my credit report and I'm not authorizing them. I am in the process of trying to fix my credit in this is not help with all these inquiries
Consumer complaint received 2020-12-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have requested that USAA grant me additional relief on my autoloan due to Covid-19 as we have been ordered to stay at home again. I contacted USAA o XX/XX/XXXX to ask for another extension. I have made some of my payments during this time, but as of XXXX we are ordered to stay at home again and I am unable to earn an income. USAA denied my request for relief on my payments. I have requested relief twice before and USAA granted it, but again as stated since that time I have made some payments, but again we have to stay at home, which is out of my control. USAA 's refusal to grant additional assistance is unconscionable and I am requesting an investigation into this matter. Additionally, I am a XXXX citizen and this is no way to treat anyone.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (IL)

I went to XXXX XXXX on Saturday XX/XX/XXXX to get my ears pierced. The piercing was free but the earrings were {$79.00}. With tax the total amount due was {$91.00}. I was charged twice .The duplicate charge never disappeared from my account. It was for {$91.00}. I called XXXX XXXX and they told me to talk to my bank ( USBank )
Consumer complaint received 2023-05-08
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. (MO)

Based off your previous investigation from complaint # XXXX with the CFPB. Your alleged findings after contacting the listed sources is that the items were done under my attorney. Please go back and refinance complaint # XXXX to make sure you have all detailed information correct and please supply me with your full and complete investigation findings from each company.
Consumer complaint received 2020-12-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (GA)

In recently contacted DRS Debt Recovery Solutions LLC ( XXXX ) Address : XXXX XXXX XXXX # XXXX, XXXX, NY XXXX regarding a debt that was placed for collection on my account. I spoke to a representative due to the fact that I have never received any notifications regarding this account and I have no idea where it came from. The representative stated they would not be able to go into detail regarding the origination of this account. they then went on to verify my information, upon doing so they noticed the address they had on file was incorrect. The representative stated that they would remove the collection from my account in order to give me time to respond to the debt and the information they would send. he also stated that he would mark the account in their system as disputed. The account was never removed and I never received the any information regarding this debt. i disputed this account through XXXX  and they did not remove it this is a direct violation of my rights under the fair credit reporting act.