davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I have been paying on a loan with One Main Financial. I was at the office location in XXXX in XXXX SC and my records were sold to the location on XXXX XXXX XXXX without my consent. My balance was paid down to just over 6,000 and I received a credit alert stating from XX/XX/XXXX to XX/XX/XXXX of this year my balance jumped from {$6100.00} to {$15000.00}. I have not taken out a loan. This was brought to my attention on XX/XX/XXXX and I visited the office on XX/XX/XXXX. I was told that there records showed no such thing. I asked for a master printout and the guy printed out what his work station showed which only showed the last couple of months of payments. He then proceeded to cut off the top of the form that had the company logo on it before giving it to me
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I have an account with TD auto withdraw to pay a mortgage to TD. For 8-10 months TD was calling me every 2 weeks to tell me I was delinquent but could never figure out why it was showing this way since the auto pays were religiously coming out. A couple months ago they did a withdrawal from the account with no notification which made the auto withdrawal bounce resulting in fees. Finally they after that we figured out the loan actually came due so they were suppose to send me paperwork to reactivate the loan ... this paper work has not been received to this date. On XX/XX/XXXX TD issued the auto pay to TD but now they put a deposit only status on the account blocking the check THEY issued to themselves which will bounce due to this restriction causing fees. This is a mess with them. One hand doesn't know what the other is doing. Reporting and disclosures are deficient at best. Obviously the money is in the account to cover the payment. They claim the restriction is to lock up any deposited funds to be applied to the mortgage which is where it is going anyway..the whole thing makes no sense. This needs to be addressed ASAP as I am sure TD is in violation of some kind of reporting under your rules and I am also sure that there are violations existing just by virtue of not properly sending notices, attaching accounts and causing erroneous fees to me as the consumer.
Consumer complaint received 2023-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage company has informed me that I am behind on my mortgage payments, however this is incorrect. I have not missed a payment, and I have submitted supporting documentation to my lender confirming their error. 

This error is likely because on XX/XX/2023, without my authorization, my lender drafted my account TWICE for my regular mortgage amount. I then disputed the additional month amount. 

The lender has also started incorrectly assessing me late charges. 

I have attempted on three occassions to resolve the matter over the phone, however the lender 's telephone representatives are unable to help, and requests to speak with supervisors go unfulfilled. The matter remains unresolved. 

Because the lender 's telephone assistance is insufficient, I have also sent a written letter to the lender explaining the problem in detail ( attached. )
Consumer complaint received 2023-01-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (TN)

In attempting to pay off the loan balance, I have repeatedly tried to contact Enerbank to find the loan payoff amount and process and have not been able to reach them for a response. The main problem I face is that, unlike any other financial product I have had, the loan payoff is not provided on written statements or online nor is an option to pay the whole balance.
Consumer complaint received 2023-01-14
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)

All three credit companies, XXXX, XXXX, and Experian continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX  XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Consumer complaint received 2023-01-14
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: LEXISNEXIS (OH)

Notice To creditors and credit Agencies this is a official statement I XXXX XXXX XXXX officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and XXXX XXXX, XXXX, XXXX and XXXX after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

All three credit companies, XXXX, Equifax, and XXXX continue to report this account as accurate even though i have court records showing a different amount owed too another company. I believe no investigation was ever done. It is harming my ability to apply for a home for me and my children. 
the amount shown by XXXX XXXX, saying i owed them a total of {$3500.00} dollars as a high balance, they are saying i paid 28 % which i never paid this company, and that i now owe {$2500.00}. None of these amounts are shown in my court documents! so, they are reporting false information. That is a violation. I have disputed this account multiple times.
Consumer complaint received 2023-11-30
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. (NY)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (UT)

For the past week Ive been getting calls from this company that is XXXX XXXX XXXX and they are saying they are going to repot my truck and this was on XXXX so I set up to pay them through XXXX XXXX and they gave me all the numbers so I could do it by XXXX, so I went in on that day and put in the numbers they gave me and paid the money and then today XXXX I get another call stating they dont have the money and are going to take my vehicle once again, but on the XXXX XXXX side it says it went through and all the numbers are the same.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. 
Monday, XX/XX/2020 I made a sale on XXXX for an XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXX. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? 
Account ID : XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.
Consumer complaint received 2023-12-05
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. (TX)

I am writing to express my deep dissatisfaction with the outcome of my second attempt to address fraudulent items on my credit report. Despite my initial dispute and the submission of supporting documentation, the fraudulent entries persist, posing a severe threat to my financial well-being. 

I previously reported these fraudulent items and submitted comprehensive evidence outlining the fraudulent nature of the entries. Unfortunately, upon reviewing my updated credit report, I discovered that the fraudulent items remain, causing substantial harm to my creditworthiness and financial stability. 

I have attached copies of my initial dispute letter, the supporting documentation submitted, and the most recent credit report highlighting the unresolved issues. 

Given the urgency of this matter, I implore you to conduct an immediate and thorough investigation, carefully review the provided evidence, and expedite the removal of the fraudulent items from my credit report. The continued presence of these inaccuracies is causing significant distress and hindering my ability to access credit and financial opportunities. 

If additional information is required to facilitate a prompt resolution. I expect a rapid and equitable resolution to this issue, in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 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 2018-03-01
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. (SC)

I, XXXX XXXX, have attempted to have Equifax obey the law section 605b of the FCRA. 
This section of the law specifically deals with identity theft and how the reporting agency has to respond and act. 
The law gives them no later than 4 business days to block fraudulent items that I have identified. Equifax has things on their file for over 6 years that are no longer being reported yet they still have them on my file because they don't do the investigation properly or act according to the law. 
The cfpb close my two previous complaints because they were duplicates they claimed and that was wrong that's because Equifax ask for more time and it's past that 45 days that you gave them and yet they haven't acted according to law. 
I want Equifax specifically to talk about section 605b of the fcra and why they do not comply with that law even though they have all the parts of the law that I need to provide. I'm going to include them again with the CFPB and Equifax needs to say why they are not acting within 4 business days to block these items. 
The items are in the screenshots are, 2 XXXX XXXX XXXX, 1XXXX XXXX, 2 XXXX XXXX XXXX XXXX, 1XXXX XXXX XXXX, 1 XXXX XXXX XXXX, 1XXXX XXXX, 1XXXX, and others claimed before
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CO)

In XXXX My truck was broken into items were stolen that morning I had a police report I notified the bank XXXX was stolen out of my business account and {$1800.00} was stolen out of my personal account I told my bank at navy federal fraud has been on my accounts. It happen to be navy federal to navy federal transfer I told them I did not nor have I ever sent money to this person or have I EVER sent that much money to anyone EVER!!! They told me it wasnt there fault with no explanation or anything
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I applied to the XXXX XXXX apartment complex in XXXX, Florida in XXXX of 2022. The application fee was {$75.00}, followed by a {$300.00} administrative fee for move in. However, I did not qualify to move in, yet they have still been attempting to charge me the entire {$370.00}, as if I had even been approved to move in, in the first place. 

Secondly, if the fee for the application is {$75.00}, what else could they possibly need a {$300.00} administration fee for when I did not get approved to move in. It literally does not make any sense. It is just a scam to try to charge people this amount for simply applying and then falsely reporting it is a debt or collection to be paid. 

I have already filed a complaint with the local XXXX XXXX XXXX, and filed disputes with XXXX and XXXX, as well as directly to the collection agency itself. False credit reporting is illegal, if any party involved needed to be reminded. Therefore, I am asking that this false debt stop being added back on to my credit report, especially when it was already once removed.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

As of XX/XX/2023 my address remains inaccurate my address should be displayed as follows as XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. That is my most accurate address to date anything other than my current accurate address displayed on my credit report findings is an inaccurate reporting on my credit report with Experian, XXXX XXXX and XXXX anything other than my current correct address should be immediately removed and delete it and updated as follows.
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-12
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)

I got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start this a new job that these issues are making more difficult than it should be.
Consumer complaint received 2023-05-12
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: ALLY FINANCIAL INC. (TX)

Ally Financial auto loan the vehicle totaled on XX/XX/XXXX my primary insurance paid them amount of payment was XXXX dollars I had also a gap insurance in the loan for the last XXXX  years and there not wanting to pay off the balance but Ally has been reporting non payments for XXXX and contacted them about the problem about this situation and the words that I have to pay the loan amount what was left owing on the contract I had a XXXX payment on the XXXX that wasnt due until the XXXX of XXXX so my response to them was I wasnt paying a dime to them and still reporting non payments on my credit reports
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

XXXX payments in full to Comenity Capital Bank BJs credit card made from my bank through bill pay have been received on time but XXXX of {$1200.00} on XXXX  was applied XXXX days late. The other payment of {$1200.00} on XX/XX/ was received, cashed but never applied. These have resulted in continued monthly late fees and interest. I have attempted to resolve the issue with multiple phone calls. They were extremely unhelpful and actually asked for another payment. Then a dispute was started in the message system of Comenity Bank on XX/XX/. They have continued to charge late fees and interest even though they said they would not during the dispute. Further, a letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX outlining everything again. Attachments of bank payment details were provided. I have only received XXXX form letters advising me it was under investigation.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

I have been disputing this account for almost a year both with the credit bureaus and creditor and is very unsuccessful. I requested for reinvestigation and documents how the investigation was done and i have not received anything back as yet. I filed a police report and gave them all the documents to help with the investigation and also mailed them twice, it came back as undeliverable. They fail to investigate the account.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TN)

Received foreclosure notice from foreclosure attorney XXXX. I spoke with customer service Planet Home Lending XXXX XXXX, requested assistance for my home to stop the foreclosure. I have called several times every week since I received the foreclosure letter. Spoke with XXXX XXXX XXXXXXXX Planet Home Lending I was told again by him and customer service I needed to speak with foreclosure attorney to get assistance. The attorney has told me since XXXX XXXX, XXXX he was sending my mortgage servicer and email to stop the sale and know he will not return my call. I have been given a different information every time I've called. I have been given bad information and the run around I have been in my home for over 10 years. I did not receive a letter stating the debt was being accelerated or a letter to validate the debt. I am requesting copy of deed and note. I want this information before my house forecloses. Tennesse law says I am supposed to receive this information when I request it. I have been affected by XXXX, my income has been reduced...
Consumer complaint received 2023-12-05
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-03-10
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. (NJ)

In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.