davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have filed complaintes against equifax many times with yall on XXXX and they come back saying iquiries are accurate and the collections are accurate and the 3 closed accounts are accurate XXXX, XXXXXXXX XXXX, and XXXX XXXX. I called XXXX XXXX told them this isnt mine, i called XXXX they said they were removing these as well and they havent heard from any credit reporting cmpany so they lie, I have also sent them the fdic theft report with a letter and my drivers license still not removed
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MO)

I was out of a job for for about XXXX. Instead of asking my family for money I renew my loan back in XXXX. I'm still actively looking for a job One main financial in XXXX, MO calls me XXXX times a day and tells me they are gon na take action towards me. I have them included in a debt consolidation program and they still harass me for payment. I want the calls to stop.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (FL)

On XX/XX/2023 American Credit Acceptance reported a hard inquiry with all XXXX credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all XXXX credit bureaus.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.
Consumer complaint received 2023-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX  I received a call for a past due payment to which at that time I paid My account balance in full. The representative agreed to waive and late fees. Well turns out the payment applied but the late fee was not waived for the current month so when the next billing cycle came around I should Have had a XXXX balance but instead I had A balance for a late fee that I was Not aware of since I had Paid the account in full. Fast forward I was Then charged the next month a late fee on a late fee. This is absurd and unethical. I received a call from the company where the associate was very rude and refused to let me speak to a manager and also refused to let me file a complaint. I do Not understand how I can Be charged when I was Advised fees can be waived and have purposely not used my store credit card.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I applied for and received a Cash Reserve from Truist Bank. The initial approval was for {$750.00}. I received the money but then they changed the approval amount to {$500.00} after I had received the money and then tripled the repayment amount and eventually took all the money they said I owed causing me severe financial hardship.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I am writing to lodge a formal complaint against the three major credit reporting agencies EXPERIAN, XXXX, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. 

I sent this request on the following dates : 1. Experian on XX/XX/2023 2. XXXX on XX/XX/2023 3. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, EXPERIAN, XXXX, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list one name and one address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by EXPERIAN, XXXX, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/2023 I tried for the first time too transfer {$50.00} from my cash card to my Citizens Bank checking account which I thought I had properly linked my Cash Card to. When I called my bank I was told no money had been received. I realized that the bank I sent the money to was not a part of my bank so I immediately requested a refund stating that I had made a mistake and requested my money back. I made that request over 10 times throughout the weekend. I received notification that my requests had been denied without an explanation as too why. Each of my requests I stated that my money was accidentally sent to the wrong Citizens Bank, the bank I sent my funds to was Citizens Bank XXXX. I could find no address or phone number, the Cash Card company told me I would have to directly contact the bank I accidentally sent my money to in order too recover my money. This was a mistake on my part I admit but for my money not to be returned I can't understand with no explanation as too why, each request I sent was posted DENIED on my Cash Card Account.
Consumer complaint received 2016-09-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinman Acquisition Group (NV)

In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (IL)

For many years, I tried to resolve a mortgage loan with Shellpoint ( and others ). The problem was the mortgage amount had escalated so much it was now XXXX on an $ XXXX loan. 

However, instead of working with me, they gave me a modification of $ XXXXmonth. That was unaffordable and stupid, as the house was not worth that amount. 

In comes a builder, who offers then $ XXXX for the house at a short sale. They take it- yet would not work with me at all. 

The short sale was complete on XXXX. Yet still... nothing on the credit report. It takes 2 years from the date of a short sale to get another mortgage. Now am three months farther out from being able to obtain financing.

Question # 1 : Why would not work with me but would immediately take a short sale?

Question # 2 : Why haven't you reported it to the credit bureaus?
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from the credit bureaus.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023, I lost my physical debit card ending in XXXX. This means debit card was no longer in my possession. On XX/XX/XXXX an unauthorized charge of {$70.00} was made at an XXXX Location I had never been to and beyond the the vicinity of my physical home address. I did not make this purchase nor did I authorize this. I filed a complaint of dispute in accordance with the FBCA on XX/XX/XXXX to dispute this unauthorized charge with Capital One Bank and on XX/XX/XXXX Capital one erroneously claimed that this charge was valid due to the chip card being used at a chip enabled terminal. I had already attested that the card was lost and that the card was not in my possession and Capital one is now making me responsible for this unauthorized charge despite knowing this. These charges also dont align with my normal gas purchases which are consistently all under {$55.00}
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent over a factual dispute letter on XX/XX/2023 and keep getting information is verified and accurate when being disputed through all three credit bureaus. There are several inaccuracies being reported which is affecting my credit severely. Multiple violations against FCRA.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/2023 my wife and I bought a XXXX XXXX and financed $ XXXX.through Hyundai Motor Finance company XXXX On XX/XX/XXXX we paid the vehicle off. 
Unbeknown to me or my wife, the dealership erroneously created two accounts for us with Hyundai Motor Finance ( same VIN within each account ). One account shows we paid the vehicle in full. The other account shows we never made a payment. I have been in touch with Hyundai Motor Finance no less than 10 times trying to rectify the issue, one of those times i coordinated a conference call that included the dealership. 

In October I filed a formal complaint with the company and they have since assigned someone from their Customer Care center. I spoke to her one time three weeks ago, left three messages since, and get no response.

Hyundai Motor Finance has not released my title- they still have an electronic lien against the vehicle on file with the state of XXXX. 
Hyundai Motor Finance continues to send collection documents to me and my wife and now state we are in default and are threatening legal action if we don't pay for the vehicle by XX/XX/XXXX. 

I am concerned that Hyundai Motor Finance will fraudulently make negative credit reports against me and my wife when they are very aware that such reports would be untrue. I am also concerned about legal action they my take against me even though that action is without basis.
Consumer complaint received 2020-07-31
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: Santander Consumer USA Holdings Inc. (AL)

Attempting to have santander account remove due to recent law suit. No luck with XXXX and sayander keeps saying call attorney General. Sent info to XXXX with letter from attorney General and still reporting negative info. Info is supposed to be romped from report due to preditorial practices made by santander
Consumer complaint received 2023-07-28
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. (MD)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have already filed a complaint about Bank of America opening an escrow account without my consent over a missed real estate tax payment. I have already paid the missed real estate taxes plus an additional {$6000.00}. My mortgage payments have more than doubled and I need help paying these excessive fees. I can pay my former mortgage payment of {$930.00} per month but not the {$2100.00} per month they are now charging me. I would like some guidance about returning to my previous mortgage amount per month. Please advice. Bank of America sent a list of all payment amounts and dates to me through the mail but has provided no assistance or guidance about how to equitably resolve the situation. Thank you.
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

I sent a verification and validation letter to the address listed on my credit report for AVANTE USA and followed up with a call. However, I haven't received any information regarding this account via mail. Additionally, this account has exceeded the statute of limitations according to my state 's laws.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/2022 someone used debit card number to purchase an unknown item from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00}. Again on XXXX XXXX my debit card number was used to purchase home security system from XXXX in Michigan in the amount of {$56.00}. I did not make either of these purchases. I disputed both of these charges immediately. After Capital One did their investigation I was told I would be held responsible for the charges. They claim that they sent me a text, and I okayed the purchases. That is absolutely not the case. 
My total SS income is only {$1300.00} a month. When these purchases were presented to Capital One I only had {$760.00} in my account. The fraudulent purchases should have been declined, but instead the were processed. I am a XXXX XXXX XXXX woman on XXXX. I can not afford to loose {$2000.00}. That is more than I get in an entire month. I have made numerous calls to Capital One, I have explained my situation to 8 different people and their decision stays the same. Please help me please. Most sincerely.