davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. 

Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. 

The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' They must File a 1099-C for any debt that is canceled over {$600.00} dollars, but i never received this form. Also, if done correctly, they can not report debt to a consumer report because that is a transaction between the creditor and myself.
Consumer complaint received 2022-06-05
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. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account 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 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (MD)

XX/XX/2024 I noticed my SoFi account was frozen. I called, provided all the information even a picture of my ID and myself. And my account is still frozen. Causing me the inability to pay rent and face possible eviction.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent the letter asking XXXX, XXXX, and Equifax to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and Equifax # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2022-12-17
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. (FL)

I sent the letter asking XXXX, TransUnion, and XXXX to investigate my account. Here is my tracking XXXX # XXXX XXXX XXXX XXXX XXXX, TransUnion # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation.

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Consumer complaint received 2022-06-05
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. (KY)

In accordance with the Fair Credit and Reporting act XXXX account XXXX has violated my rights. This account has consistently reported several inaccuracies on reporting payments imcorrectly and account balances also being incorrect
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I was under a loan modification with Select Portfolio Servicing. It is so odd because I feel as though I was just in this position not long ago filing a complaint. My loan modification was in process and I was making all of my monthly payments. Every month a representative called questioning whether my payment was made and then the representative would identify the payment on the system and we would hang up. Eventually, I received notification that my plan was cancelled. I spent month after month trying to cure the issue. I was working with the Obudsman Department on curing the issue, as all of the payments were located, but then the representative said that she was going to restart the plan, as they were asking for a huge payment at this time. I thought that it was just going to start over right away but then I was advised to reapply, which I did, and I was now denied. I need some assistance, here. I can restart my payments immediately. Please help.
Consumer complaint received 2022-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NM)

I made a purchase for XXXX ( XXXX XXXX  ) on XX/XX/2022 to be sent to my XXXX XXXX  address on Binance.us I made the purchas using a XXXX ATM The transaction appeared as " Failed '' Due to the failed transaction Binance.us has locked my account due to no fault of my own. 
I have contacted XXXX ATM and they have told me the XXXX was successfully sent from their end. I will include an email showing customer support has sent me the confirmation hash Below is my binance.us account information Name : XXXX XXXX Email associated with binance.us : XXXX Binance User ID : XXXX
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information.

i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US Bank should refund me {$610.00}, CFPB should apply any of the Lousy Laws to punish USBank and it's Crooked officers, if Justice applies for Corporations in Corrupted America.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (PA)

ARCADIA RECOVERY BUREA has 3 accounts reporting to my credit report, i do not owe this debt ... my insurance said they covered this..i have tried to contact the credit bureaus as well as Arcadia at least 5 times for validation/verification of this debt ... i have received no such proof of debt ... ..

these accounts have all been re aged as well, i have attached copies of their report, please see ... .i need these people to delete these accounts now as it is not reporting 100 % accurately as required by law ... my next steps is to contact the state attorney general as well as a consumer attorney
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (AL)

I have contacted Equifax multiple times about XXXX XXXX  XXXX XXXX. This is inquiry is on my credit report XXXX times and I have enclosed an identity theft report with this fraudulent inquiry on there and they still have not removed these inquires. This are the ones in question. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, I am enclosing the Identity report once again. 

This was Equifax response. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Inquiry : XXXX XXXXXXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX. 

They said that these inquiries were removed but they were not.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mortgage Research Center, LLC (MO)

Last year I applied for a VA loan to finance the purchase of a new Manufactured Home. I called Veterans United in XXXX, MO XXXX XXXX and spoke to XXXX XXXX. We discussed the fact that this was a new home and I was having problems finding someone that could finance a " Builders Loan ''. As you know most lending institutions can refinance a manufactured home after it has been purchased but few can do the builders loan. Mr XXXX assured me he could do this and in the following days/weeks I sent " All of my wife 's and my personal information. It wasn't until after the collection of our personal information that XXXX called me and said that Veterans United was unable to continue as they also were not capable of this type of loan. 
I informed him of how unprofessional this was, and that he had collected our information probably unlawfully. Until today I have received only random advertisements from Veterans United. Today XXXX XX/XX/2019 we received NOTICE OF ACTIN TAKEN in the mail. This is unacceptable, somewhere our information is still being accessed. I feel XXXX XXXX and Veterans United should be held accountable for this.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX account reporting on credit report. XXXX charged off account and did not provide a cancellation of debt and is reporting the account past due which violates the 15 usc 1681 eb fair reporting act. 

Account balance {$2100.00}
Consumer complaint received 2022-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc. (GA)

I XXXX XXXX date on XX/XX/22 am demanding U.S Auto Sales to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Consumer complaint received 2020-02-18
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. (OH)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}
Consumer complaint received 2019-08-05
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX , XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED  XXXX
Consumer complaint received 2022-09-29
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX
Consumer complaint received 2022-12-17
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-06-05
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. (NV)

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 A. section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have received letters/emails from several companies stating that they have denied my application. 

XXXX. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
XXXX. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
XXXX. XXXX dated XX/XX/XXXX email. 
XXXX. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX  XXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.
Consumer complaint received 2020-02-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC (CT)

Recovery Solutions Group sent me an email and written letter threatening to identify, through their own investigation, my personal assets including bank accounts, mortgage lenders , county, state and federal authorities, and tax authorities. They have threatened this without giving me 30 days to dispute the debt.
Consumer complaint received 2022-06-05
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. (TX)

wrong information and wrong address on file and i have had XXXX  XXXX XXXX on my report for too long i had tht account in XXXX and its XXXX experian wont remove it pls help me
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (NY)

I was approved for 4,67 % APR through XXXX XXXX, all the sudden once I applied it raised to 10.75 % APR, it is a false advertising and it is illegal, if they will not fix their own mistake I will sue them. 




XXXX is their website, it is not listed as financial institution on your website thus I put XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (FL)

My credit card was closed in XX/XX/XXXX. I was never late on this card as of today XX/XX/XXXX my XXXX credit report reported five late payments and the card reopened back up with the balance this lowered my credit score XXXX points. This is ridiculous. I cant close the card Last year when I did XXXX  XXXX bankruptcy, you guys are violating the bankruptcy laws. Ive sent this information to you several times Ive contacted you guys several times about this problem and you keep hurting my credit when the card was closed months ago I need this fixed ASAP. Im gon na file a complaint with my bankruptcy attorney and have them file motion against you guys.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I saw an unauthorized charge for {$270.00} to XXXX XXXX. I was at XXXX XXXX  that day but did not spend anything of this amount so I investigated on the XXXX XXXX  website and saw I was charged for a XXXX XXXX. 

I realized that when I clicked Check wait time for a ride that it charged my card on file for a premium XXXX XXXX, which I did not want. Furthermore, even if I did want it, it did not work ( screenshots attached ). I could not get ahold of anyone at XXXX XXXX  to reverse the charge so I reported the unauthorized charge to Capital One. 

Capital One issued a the temporary credit on XX/XX/XXXX. Their emails regarding the investigation did not provide any secure link for me to provide my screenshots or further information supporting the fact that the purchase of the XXXX XXXX unauthorized and, not a functional service even if I did want it. 

Capital One reversed the temporary credit on XX/XX/XXXX, still providing me with no means to provide my screenshots or information. When I attempted to provide my details by replying to the email, it bounced back undelivered. 

What is also very concerning is that they chose XX/XX/XXXX to reverse the credit, when my car payment, also through Capital One, is due on XX/XX/XXXX. Without the {$270.00} of funds in my account, my car payment will return and result in more fees for Capital One. This seems very strategic and an attempt to prey on low balance consumers.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Lease
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: Westlake Services, LLC (CA)

On XX/XX/XXXX I leased a used XXXX XXXX XXXX from American Car Center in XXXX Alabama however XXXX months after I leased this vehicle the original dealer got shut out of business and A wrongful debt collector by the name of Westlake Portfolio Management says I owe them XXXX XXXXXXXXfor a {$8000.00} car that Was a total loss due to automobile accident in XXXX XXXX XXXX I had insurance coverage but the insurance company said they will never be allowed to get the title to this loss because the Original Car Dealer went out of Business I spoke with the District Attorney of XXXX XXXX Alabama whom exact words to me when I explained this same matter to him he stated that Sir if the Original Contract Owner went out of business and sold your lease thats illegal and you have a free Car They Already in the Collection Process and this vehicle and you never signed a vehicle lease contract with them and you will never be able to get the title A debt collector is just the same as a Good Samaritan I didnt asked them or have any understanding why someone such as debt collectors can voluntarily pay your debt to another business at there own free will with negative intentions like crashing my credit score down to the XXXX Im A XXXX  % XXXX XXXX  American Veteran and Im receiving XXXX XXXX XXXXXXXXXXXX XXXXs since XXXX Im not Responsible and theyre just wasting their time tryna collect I didnt lease no car from them they dont sell cars Please See That this Auto lease is removed from my credit file