davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES:1280 XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.
Consumer complaint received 2021-08-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

-- As a customer paying off an auto loan account in full, incurred interest charges that were applied as the payment was processed. Could ruin the mortgage process for a 30 day late payment. 

I attempted to pay off my auto loan, using the payoff amount as listed in the more details tab on XX/XX/XXXX. After submitting the payment of $ XXXX. My installment account balance stated {$0.00} for several days after i paid off the account. However 30 days later i receive a notification to personal capital about a fee from Fifth third bank about a late fee. I reached out to the bank about the {$35.00} late fee and was just told it would be removed with no real explanation about why it occurred. Again I checked my app and it states a balance of {$0.00}.

The Next week I received a notice that my account is now in default for the amount of {$3.00}. I try to pay this amount off on the app and get a system failure because the balance states {$0.00}. I receive a call to get this amount paid off and finally pay the small amount of interest. I had the ability and willingness to pay this interest amount but was uninformed that any amount was due.

Now as a consumer in the middle of trying to secure a mortgage loan I receive a credit bureau report of a late 30 day payment. 5/3rd bank has an intentionally deceptive UI screen that will hide the incurred interest in a smaller drop down window, unhelpful customer service reps, and a system that is unable to take a {$3.00} charge. As a consumer who has unblemished credit, i may miss out on historically low rates due to these practices.
Consumer complaint received 2021-08-03
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. (CA)

XXXX XXXX is Reporting inaccurate information in my credit report. For the Auto Loan they are reporting to Transunion I was 30days late 12 times/60days late 6
times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To XXXX they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to Transunion the date of last payment is XX/XX/XXXX and to XXXX date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with XXXX, XXXX  and Transunion credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

PayPal took my money under the false claim of damages caused by Acceptable Use Policy violations. In XX/XX/2021 they limited my account and instead of me being able to transfer my money after 180 days they just took it and transferred it to their own account. I had 4 accounts and from 2 accounts they took over $ XXXX. My account was 7 years old and never had any issues or violations before. From my other 2 accounts I was able to transfer the money to my bank. What's important is that all of these accounts were tied to 1 XXXX  account selling same items so if I was able to withdraw from 2 accounts why can't I from the other 2?
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a few addresses that is not correctly showing on my credit file that needs to be updated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX, I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However I would like them removed because they are not accurate.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-03
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: CLGF Holdco 1, LLC (GA)

I have been unable to use my card since XX/XX/2021 I was notified by credit card company that my card would be inactive until minimum payment was paid was paid I paid the minimum payment plus an extra Few payments which bought my account down by less 50 % of my credit limit and I still haven't been able to use my card I am incurring late payments due to he rejection of my ACH payments that come directly out of that account and and despite my numerous attempts to contact and Rectify the situation with the credit card company My card still remains an active as of today which is roughly almost a month this is unacceptable and I'll be home in a few weeks account for a few years no consideration consideration or communication is being
Consumer complaint received 2021-07-16
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 have 2 accounts on my credit report that have been Re-aged. XXXX, Transunion or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.
Consumer complaint received 2021-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

XX/XX/XXXX and XXXX, XXXX, Loan Depot withdrew two payments for my first mortgage payment XXXX XXXX XXXX. XX/XX/XXXX, I asked for the money to be returned immediately as I needed it. Told it would take 7-14 days, I had no choice. Asked for manager wasnt provided one. Called?, because I received statement via mail that unauthorized payment applied to XXXX. Told customer rep I needed the money and was reassured it would be returned via bank account no later than XXXX. XX/XX/XXXX, asked where money was. Told it would be mailed and arrive at end of month - I was hung up on. Called back, told would be in bank account in 24-48 hours. XX/XX/XXXX, told via voicemail hopefully arrival by XXXX and to call back if not received by mail. Cant get any management by phone or a corporate number. I have been assessed a bank fee of {$25.00} due to this issue. It should not take multiple calls or this duration of time to get significant money back ( {$3500.00} ). I am going to dispute withdrawal with bank as I need some financial relief for bills now. Someone should look into this practice of holding money this long that was taken in error. They dont care!
Consumer complaint received 2021-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I never consented to having my federal student loans be put on hold due to COVID through the company Navient. I received the National Emergency Forbearance automatically, with my last payment being on XX/XX/2019, something that I never agreed to or opted into. Prior to this I was paying {$490.00} automatically every month, {$100.00} more than the minimum monthly asking price. I'm looking at my statements now, as I'm trying to get a home loan, and notice that for the past 17 months I haven't had those withdrawals taken out. This is absolutely crippling to my future. The audacity that anyone has to stop someone's payments without their written consent is infuriating.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have repeatedly contacted this company since learning of this debt in in XXXX of XXXX. I expressed to the company that this not my debt I have never owned this vehicle and while further investigation of this debt I was told this vehicle has never been registered as well as the address listed on this account is a business address not a residential address. I was asked by this company to submit a report from Identity theft. Gov and I did immediately through the email Credit acceptance provided to me. This company has sent me a payment book in response my dispute dating back to XXXX. This account is being reported on all three of the credit bureaus as an open account with 28 late no payments. With not even one payment having ever been made. Thats preposterous why would this fraudulent account still be an open vehicle account with no payment ever made and not be repossession account. I have never in my life heard of a company continuing to report an account with not one payment made or repossession as an active and open account with 28 late payments each reporting monthly on all three bureaus. This is a fraudulent account this is not fair credit reporting and attached will be all of my documentation to them. I want this account in its entirety removed from all three bureaus on my behalf. I have and continue to have financial losses daily as a result of this account. XXXX XXXX Mortgages all have been denied as a result of the fraudulent account thats being reported by Credit Acceptance as my account. The signatures on the the account that Credit Acceptance has uploaded are all electronic signatures, they are not my signatures they are done by a computer.
Consumer complaint received 2021-08-03
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. (IL)

This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!
Consumer complaint received 2021-07-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

On XX/XX/XXXX I received a letter from the collection agency that stated I have 30 days to validate debt. On XX/XX/XXXX I sent out a letter stating for them to validate my debt and it was sent via certified mail. I received no response and noticed the debt was reported to my credit. My letter was ignored and so were my rights. I sent a follow up letter stating this is my second attempt and yet no response. The collection agency is ignoring my letters and violated my rights to provide proof that the debt is mine.
Consumer complaint received 2021-08-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: World Acceptance Corporation ()

XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Asking for assistance : Reporting Corruption I XXXX XXXX XXXX started on date XXXX XX/XX/2016 to make a loan from Capital Loan. 

I paid fees upfront, my agent at Capital loan was XXXX XXXX. Everytime the money for the loan was supposed to be paid to me their computer system said I have to pay a deposit into the loan amount which will be paid back to me as credit. Then my application will be approved. The computer system accepts payments to be credited on top of the loan amount. They told me the system accepts and the only to progress is on the system on computer. By now I have paid +- XXXX XXXX to Capital loan. I then decided to cancel my loan. I had to pay a fee for canceling to get my money back. To get my money back I was told to pay fees numerous times now in total XXXX. I have a email what the lawyers of Capital loans send me called a irrevocable guarantee letter stating to credit my account at XXXX after payment. I did the payment but still they say I have to pay more. I have no more money I made a loan to pay this thinking I'm getting my money back. 

I am under debt review because of this incident and I don't know who can help me. 

I have alot of messages and emails and deposit slips for all transactions. I have no resources to get my money back. They always told me that this one payment will be the last. 

Please assist me. Please guide me in the right direction as I am under debt review and have no more funds. I currently work for XXXX XXXX work from XXXX to XXXX night shift XXXX XXXX and my cell nr is XXXX. 

Loan company details are as follows : Loan officer XXXX XXXX XXXX XXXX Kind Regards XXXX XXXX
Consumer complaint received 2021-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-16
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. (FL)

You are my last chance because I want to have justice because I have found account that I do not recognize. I can not understand why I have fraud account in my report. I am used by someone and Its Identity theft issues I am sure. SO I am begging you to help me and delete this account because its killing my score.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Currently living overseas and I would like to access my credit reports from all credit reporting agencies. For some reason, whenever I request a free credit report from websites such as XXXX XXXX XXXX, I receive the following message " The XXXX  website is not currently available at your location. '' Not sure why but I tried multiple sites with the same request and got the same response. 
How can I get my credit reports while living abroad? Many thanks for your help.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

Cardinal Financial still owes {$190.00} on my delinquent tax bill as of XX/XX/XXXX. I have been trying to get an answer from them for 3 months with no luck. The reason for this amount was that Cardinal Financial short paid my delinquent taxes that they failed to pay in XXXX of XXXX. I have made numerous phone calls and emailed numerous times with no answers. This company has very poor communication skills unless they want you to refinance then they seem to be able to call consistently. 

I have had numerous Resolution Specialist with out resolution. 
Cardinal FinanciaXXXX paid a portion of my delinquent taxes on XX/XX/XXXX ( {$3000.00} XXXX. After about 5 months of calling and submitting a complaint with the CFPB. The payment was {$190.00} short. 

The collection agency gave the amount for the pay off to Cardinal Financial and they chose to short pay the amount. I believe this was a deliberate decision. 

I am waiting for a call back from XXXX XXXX. I left him a message on XX/XX/XXXX at XXXX am XXXX. Waiting 2 months for a call back is unacceptable. Waiting 1 year to have my tax bill resolved is beyond ridiculous. 

Someone at the highest level of this organization should be paying more attention to how their business is being run.