davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

My dad put a car in my name using a loan from XXXX XXXX and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid XXXXXXXX XXXX after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Consumer complaint received 2022-09-27
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: REGIONS FINANCIAL CORPORATION (GA)

To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2021-12-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

I have a mortgage of about XXXX in XXXX my house had some damage. The insurance company sent a check for XXXX made payable to both myself and the mortgage company. I called the mortgage company and told them i wished to pay off my loan. They told me to endorse the check send in a copy of the insurance payout and a letter saying that I wanted to pay off the loan. I have called every couple of weeks since then. They have not paid off the loan or refunded the overpayment. They also keep hitting me with late changes. Every time they give me a different reason. They did deposit the check sent back in XXXX
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}. <P/>If I owe $ XXXX, then why did I receive messages that I paid my loans in full?
Consumer complaint received 2022-05-25
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I cleared out my checking account when I left town and XXXX XXXX XXXX XXXX over drafted the account I closed. I dont even know how this happens. Ive tried sending money multiple times over many months and it hasnt worked. XXXX XXXX has tried ruining my credit over {$8.00}. I would gladly pay the money if she communicated how. She should lose her job over this.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc. (NY)

I've been working with Grain Technologies they offered me a {$750.00} credit line, at first it was fine. Then when COVID hit I tried to get support which is non-existent. They disabled my online portal, and will not allow me to make payments, or allow me to verify my identity to pay the account. After speaking with a rep they said my online account was disabled because of the past due balance and once it's paid I can continue using the account. After I paid someone contacted me and said they decided to close my account once I pay it in full. I think I was deceived into making a payment, and once it was processed they decided to close my account once it's paid in full with no notice or explanation and they won't allow me to verify my identity.
Consumer complaint received 2021-12-16
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. (AZ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-16
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. (GA)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX has violated my rights. Or a 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 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CA)

Greetings, Ive been contacted my XXXX XXXX XXXX XXXX The creditor is PayPal , inc. Reference # XXXX, account # XXXX with an account balance of XXXX XXXX Since PayPal is connected with venmo, they have taken money out of that account to fund missing balance on my venmo. Seems they never took that into account and claim I still owe these XXXX. On XX/XX/XXXX within my account was taken XXXX $ for account recovery from PayPal
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2021-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (IL)

On XX/XX/26, a student loan I refinanced with SoFi was funded. At the time I refinanced, I responded to an offer to get a {$500.00} cash bonus as part of the refinance. After the refinance was completed, I reached out to inquire about the bonus and was instructed to ensure that I had a W9 on file and that the bonus would be paid in 30 days. I completed the W9 and have followed up with SoFi several times as I still havent received the bonus, and I am not getting helpful assistance. They keep telling me to do the W9 and the bonus will come, which Ive done and it hasnt. The company seems to lack solid controls for ensuring they can fulfill their customer commitments and Im very frustrated. I want the money that was promised to me.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I have sent in multiple letters regarding this matter, if it's not fix, I'll be taking it to court, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 
Attached are my verification of identity and FTC police report.
Consumer complaint received 2023-03-10
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. (VA)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Mountain Run Solutions, LLC (TX)

On XX/XX/2021, I called XXXX XXXX XXXX XXXX, company to stop the recurring payments with the payment arrangement I set up for the debt amount. The payment arrangement was XXXX per month and the debt amount was XXXX. I spoke with agent XXXX XXXX and he sent an email confirmation to confirm the cancellation of the payments. After this agreement my account was not debited for XXXX but was debited XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2021.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ASSOCIATED BANC-CORP (NY)

On XX/XX/year> I sent from my bank via person on the phone to XXXX XXXX at Associated Bank an extra payment of {$610000.00} ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) to be applied to the principal of my car loan. They have my money in their account but so far have not applied it to my loan. 
Account number XXXX I called several times and spoke to two supervisors who told me they would fix the problem but they have not. 
Im having problems with this bank Can you help? 
Their phone number is XXXX Thank You XXXX XXXX
Consumer complaint received 2021-12-16
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. (MI)

Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with XXXX XXXX representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. 
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.
Consumer complaint received 2021-12-16
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (FL)

Our loan with Loan Depot was in forbearance and protected under the Federal Cares Act which means the loan was NOT allowed to be reported as delinquent. We recently signed and returned a Partial Claim packet sent by them which was not due back until XX/XX/2021. However, this was returned to them by XXXX overnight, yesterday. As of this morning, they are reporting the account as severely delinquent while still in forbearance as set by the VA. This is the SECOND time they have reported this account delinquent after correcting the mistake via your help previously. They are repeat offenders of the same issue.
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Stenger & Stenger, P.C (IN)

I was repeatedly lied to about settling with this debt collector by its collection dept at stenger and stenger law firm debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that stenger and stenger would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that stenger and stenger was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my paypal account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my pay pal card name was not updated to my maiden name ( recently divorced ) Name on card that was submitted to Stenger and Stenger was XXXX XXXX
Consumer complaint received 2021-12-16
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: Santander Consumer USA Holdings Inc. (MI)

On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-05-26
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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