davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (PA)

On XX/XX/XXXX i summited a dispute it began on XX/XX/XXXX was completed XX/XX/XXXX which is unheard of for a proper investigation to take place in less then 5 days which shows Im not receiving a proper investigation on the fraudulent charge off with incorrect information being report as i pointed out and requested it all be deleted immediately because my credit file is inaccurate and not 100 % accurate. Experian just updated the inaccute charge off thats reporting wrong invalid information on me even after my documents reports and letters sent in.
Consumer complaint received 2024-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX and Exeter Finance LLC regarding their actions in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX, acting as a debt collector, is attempting to collect a debt they claim I owe to Exeter Finance LLC under their name. However, I want to make it abundantly clear that I have no active accounts open with Exeter Finance LLC, nor have I provided consent for the disclosure of my personal information to them or any third-party entities. 

The actions of XXXX XXXX XXXX XXXX and Exeter Finance LLC have flagrantly violated several provisions of the FCRA, including 15 U.S.C. 1681a ( 3 ) and 15 U.S.C. 1681b. Specifically, they have posted false information to credit reporting sites, resulting in inaccurate collection reporting on my credit report. 

I want to emphasize that I have never engaged in any business dealings or solicited services from XXXX XXXX XXXX XXXX. Their attempts to collect a debt that I do not owe have caused significant distress and inconvenience.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (VA)

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, XXXX, Experian and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-27
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. (VA)

In accordance with Fair Credit Act, XXXX XXXX XXXX act ending XXXX, Transunion, XXXX and XXXX has violated my rights. Under [ 15 USC, 1681 ], section 602 states I have the right to privacy. Under [ 15 USC, 1681 ], 604 ( A ), section 2, says A consumer reporting agency can not furnish an account without my written instructions. Under [ 15USC, 1666 ( B ) ], A creditor may not treat a payment account under an opened and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (PA)

Received a text message from M & T Bank for a one time passcode. I do not have any accounts with M & T bank. I tried to call their fraud department but just sat on hold for XXXX minutes. On XX/XX/27 at XXXX est. I gave my address but since this is fraud app they usually dont use the true parties address.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (PA)

BB & T are holding transactions in order to charge overdraft fees. On XX/XX/XXXX I transferred {$30.00} from savings to checking. I withdrew these funds at a ATM on that same day. BB & T charged me {$72.00} in fees the next day. It appears that the transaction at the ATM was held until the next day which made the account be in the negative. On XX/XX/XXXX BB & T charged me {$72.00} in overdraft fees, however I had a positive balance on {$1900.00} on XX/XX/XXXX. I had transactions that came through the account between XX/XX/XXXX until XX/XX/XXXX in the total amount of XXXX which left a positive balance of {$36.00} on XX/XX/XXXX. On XX/XX/XXXX I received an overdraft fee of {$72.00} for two items that were posted to the account two days later after the transactions were made. On XX/XX/XXXX BB & T charged me {$140.00} in overdraft fees due to items being held after the transactions were made. At the time these transactions were made the funds were available. On XX/XX/XXXX BB & T charged a miscellaneous fee in the amount of {$12.00}, this was also charged on XX/XX/XXXX. The account is currently in the negative {$82.00} for holding a ATM transaction and I was told that until it is resolved I could be subjected to a {$8.00} daily fee for the account being overdrawn. ATM and debit transactions are being posted to the account days later to reflect the account being overdrawn although the funds were available at the time of the transactions.
Consumer complaint received 2017-07-13
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. (MS)

Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
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1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2022-05-28
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing this statement in regards to the fraud I experienced back in XXXX of XXXX. From that time till XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. This account was a prepaid XXXX card from California. I received a letter stating that Bank of America had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. 

Some evidence that points to fraud includes the perpetrator using a fake email account to get into my savings. The second information I was able to receive access to with help from one of the employees was that the sum of money was taken out of my account and deposited into another account with the last four digits being # XXXX. Unfortunately, I was unable to receive more information on the specifics of the perpetrators ' account but I crossed-referenced those last four-digit numbers to the numbers of the only other bank account I have. This account is with XXXX, and the last four digits of my checking account did not match the one mentioned above. On XX/XX/XXXX I sent in an appeal to the bank with attachments that included my personal statement, a copy of the police report I had made, and images of all the transactions made during the time the money was stolen from my account ( XXXX XXXX ). 

On XX/XX/XXXX, I received a call from Bank of America stating that they had reviewed my appeal and still stand on their initial response that no fraud had taken place and that the transaction was authorized. They had also stated they did not receive a police report but I had filed everything together and faxed it to the fax number they had provided for me. I now feel very helpless and anxious, unsure of what to do next. As a student, I do not know how I will be able to pay for school and basic living necessities, that is why I am using the resources that are made available to me by filing this complaint to the Consumer Finance Protection Bureau.
Consumer complaint received 2022-05-28
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. 
Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2022-09-27
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. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXXXXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

Loan began XX/XX/XXXX. Prior servicer encountered no difficulty in receiving/recording payments. Commencing XX/XX/XXXX payment due date Account Statement indicates an amount due of {$270.00}. This amount was paid on or about XX/XX/XXXX. Late on XX/XX/XXXX an agent called to say that the wrong amount was billed on the statement and an additional amount was due immediately of {$1500.00} ( paid by phone ) to avoid being reported to the credit reporting agencies. Subsequent payments were made in the required amount due XX/XX/XXXX through XX/XX/XXXX. With the XX/XX/XXXX and XX/XX/XXXX statements Company indicates we are 6 months past due. No explanation given. Our credit reports indicate late and past due payments. Our credit is ruined and we are unable to get any kind of new credit or obtain a mortgage to purchase a home. We are unable to obtain/afford an attorney to help us with this matter. The situation has gone on now for almost one year and we have been unable to achieve any resolution with the Company. XXXX has opened an escalated investigation into this matter and thus far their efforts with Company have been unproductive. XXXX is getting the same treatment we are and getting no/minimal cooperation from the Company. Complete and verified electronic payment records have been submitted to the Company and XXXX, and are attached as scanned documents here. We have complete bank statements from the initiation of servicing by Company to further verify all payments have been made. It has been reported that this servicer has bilked XXXX out of XXXX XXXX dollars as has been revealed in a recently unsealed law suit by the Federal XXXX XXXX XXXX District Court.
See STATEMENT attached.
Consumer complaint received 2022-05-27
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. (GA)

First account, XXXX XXXX car loan is fraud my information has been used to establish this account I want it off my credit report before I seek legal action against XXXX XXXX they have committed fraud my information was leaked because of XXXX, all my information has been used, I have filed a ftc identity theft report about this now remove it please XXXX XXXX is fraud yes all my information matched because someone used it to open and established these accounts I will provide documentation to prove it XXXX credit card Same information has been used fraudulently to open and established this account, I will keep filing complaints until these accounts are off my credit reports, this accounts are fraud, a course all my information is going to match someone is using it so please delete these accounts and blocked them I am sending information to block these accounts
Consumer complaint received 2022-05-27
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. (LA)

The following inquires are fraudulent XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-27
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act XXXX XXXX XXXX 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2022-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 my personal information was used to open an account with XXXX I have never applied for this account nor have I authorized anybody to open this with my permission therefore it is fraud due to Identity theft. The thief has this fraudulent account for an amount of {$21000.00}. I have tried to get this blocked off my credit report using the Fair Credit Reporting Act yet I have had no luck.
Consumer complaint received 2022-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XXXX trying to collect a debt that was charged off due Original Creditor Santander got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off
Consumer complaint received 2022-05-28
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)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$480.00} INQUIRIES : 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 Balance {$510.00} XXXX XXXX  Balance {$480.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-28
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. (IL)

I have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and Experian credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.
Consumer complaint received 2022-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (GA)

I was sick for XXXX weeks and unable to work. I contacted Onemain for short term hardship. They asked me to send them 2 months bank statement. Which I did. They came back and said that there were deposit in the account even that there were a drop of 50 % on the deposit. Somehow that show profit for a self employed individual. Those most of those deposit were just XXXX transfer to cover expenses because I was not working and the underwriter can clearly see that. I do not know why this company just want to push peoples to the edge when they know you are having a temporary financial issues.
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

My wife and I have submitted these five different consumer complaint number list below XXXX, XXXX I have received three response letters from my servicer regarding my claims with almost the identical responses in each letter. 

The responses in the three letter are stating the same false claim ; " As your loan is backed by XXXX XXXX ( XXXX ), the modification guideline does not permit any future escrow disbursements to be included in the modification amount. " I have attached a document calling out XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) that clearly show that my servicer 's statements/claims are completely false. 

If CFPB has no-one capable of reviewing false claims make by a servicer and simply taking the word and position of a dis-honest servicing company then I am forced to pursue a class action lawsuit against the CFPB and my loan servicing company.