davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Experian is reporting inaccurate late payments on my report. I sent numerous letters stating the reporting was inaccurate and unverified. I requested information as to how they verified the information. They did not give me a response. I received a letter in the mail that they would not re-investigate unless I provide them with proof that payments were made on time. I sent in My bank statements as well as proof of payment received by each creditor. I requested a response back within 15 days. They did not update the information although I provided proof. Instead they sent me a credit report which I did not request. I called in and the agent that I spoke with said that they received my recent proof ( statements ) on XX/XX/2020 however nothing was done to rectify this ongoing issue.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need your help, CFPB. 

TransUnion is committing violations to the Fair Credit Reporting Act. 
- Unfair business practices - Failing to investigate item - Reporting incorrect information Please send the attached documents to TransUnion. 

Thank you.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

I paid off this loan on the XXXX of XXXX with a Check in the amount of {$34000.00}, check number XXXX. The bank states that the check cleared on the XXXX of XXXX. M & T Bank maintains that the check has not cleared. This loan should be paid off now. They have a balance reporting on my account. And they posted a let fee onto my account and my credit report.
Consumer complaint received 2020-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

The final post discharge monitoring form for year 3 of the monitoring period was emailed to XXXX on XX/XX/2020. Please provide confirmation that this no income information was received and processed on the form. Also, confirmation that I have now completed the 3 year post discharge monitoring period. 

Proof the completed form is attached.
Consumer complaint received 2020-03-31
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. (NJ)

To whom It may concern, On XX/XX/XXXX I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XX/XX/XXXX-XX/XX/XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX - XXXX ; XXXX  XXXX XXXX
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I have tried closing my biz account multiple times. It took me 3 hours to get to the agent. Once on the phone with the agent, she refused to close the account. Wells Fargo wants to keep charging me a service fee for the account that I don't use.
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was denied credit and found Capital One Auto Finance Account on my credit reports Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$32000.00}
Consumer complaint received 2020-03-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After challenging the validation of XXXX on my TransUnion credit report. I notified Transunion that the original creditor has not responded to my validation request. As a result, by default XXXX is in Violation and is deem Unverifiable can not remain on my TransUnion credit profile.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (MA)

I recently pulled my credit to notice some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. i did not consent for the creditors or credit bureau 's to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/XXXX I opened a simple business checking account with SunTrust bank as I already had a personal account with them. I was informed they were closing my personal account without notice or explanation of a reason. They never closed my personal account as indicated and allowed my personal account to go into the negative balance of {$92.00} by the month of XX/XX/XXXX. 

XX/XX/XXXX I personally walked into a branch to deposit a business check for a total of {$3600.00} as I brought this personal bank account issue to their notice and they mentioned it was their mistake and they would reverse the late fees and close my account as intended they were already suppose too in the month of XX/XX/XXXX. Also following that complaint on the same day XX/XX/XXXX Suntrust bank decided to put a hold on my business account and start the closing process on that account as well without forewarning me or giving me a reason as to why, IMMEDIATELY after making the complaint about my personal account still being active with a negative  balance and depositing legitimate funds in my business account on that same day for a total of {$3600.00} via business check and also XX/XX/XXXX for XXXX Via electronic ACH payment. 

A No debit was placed on my account I was NOT able to to withdrawal any funds what so ever or making any transactions. I am XXXX who pays XXXX XXXX to do work for my XXXX. I was NOT able to pay my XXXX XXXX any funds as Suntrust decided to put a hold on my whole account and not allow me to withdrawal or send any money by disabling my online banking with them as well. 

I pleaded for help day after day and yet Suntrust was reluctant to send me my funds or communicate with me. After 2 weeks of calling and going into branches I was promised that after 5 days of no activity including Reoccurring automatic payments then the account would officially be closed and they would send me a check with the remainder of the money following 10 days after. They were suppose to send me a total of {$4300.00} which were the two deposit combined mentioned earlier. 

On XX/XX/XXXX I was ONLY sent one check of {$520.00}. I was told that regardless of the late fees of my personal account of {$92.00} that was suppose to be reversed due to THEIR mistake they still made me pay for it as they took the money out my business account. They have kept the remainder of the funds and has NOT returned the business check for {$3600.00} that was deposited on XX/XX/XXXX. They have told me they are holding on to my funds without giving me a release date. 

I feel this is unethical and illegal in some manner. In order order for any business to be ran efficiently, banks should not be allowed to legally do this to a individual and their business. Please help me in this situation as I am out of options and they are not returning the money for my business. 

Thank you
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In XX/XX/2019 I my Capitol one MasterCard got a fee of {$59.00}. I did not see a bill in my email for it and as I have always had XXXX balance on this card I havent been watching the account. In XXXX I a late fee was added new bill totaling {$89.00}, still never saw a bill. In XXXX another late fee was applied total bill is now {$120.00}. This bill I saw in my email. I payed it as soon as I saw it. I called but just get the run around. Not worried about the late fees after all it is a late payment but my credit took a hard hit. Last I looked while refinancing our home it was down to XXXX it used to be around XXXX! I have never before had a late payment seems pretty extreme for missing a payment on a XXXX  balance card.
Consumer complaint received 2020-03-19
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$11000.00} DPT EDXXXX XXXX {$4000.00} DPT EDXXXX XXXX {$6300.00} DPT EDXXXX XXXX {$4900.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX XXXX {$1900.00} DPT EDXXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orions Management Group, LLC (WV)

The Orion Group first called me the summer of XXXX. I do not recognize the debt, and asked for validation of the debt in writing. I havent received anything. They continued to call and I again, asked for anything written with my signature of authorization of any kind. I then asked for all communication to be in writing and not to call me again. They have not complied. They called several times after and when I spoke to the supervisor I told them only written communication because I could tell at this point its a possible scam. They called my work number and then today ( XX/XX/XXXX ), they called again. I AGAIN asked for validation of the debt ( still have never received anything ), and was told to SHUT UP. I was going to be on house arrest. Im getting sued, etc. XXXX XXXX continued so speak over me, telling me Im just refusing the debt, etc. He also said Im being sued as soon as this pandemic stuff is over with. 

I am not refusing any debt, I do not recognize it. I kept telling him he was not to call me, I have said that repeatedly, and they are not complying. I looked up their number and everyones name is XXXX XXXX and they use threatening and abusive language. They are blatantly breaking federal laws and this should not be tolerated.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION (KY)

In XXXX XX/XX/2019 I took advantage of a Regions Bank credit card offer of 0 % for 12 months on another card balance transfer. I have been charged interest for the amount of the transfer for all but one statement since then.
Consumer complaint received 2020-03-20
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Fraudulently reported account as collection. They are a debt buyer and are reporting a credit account original account XXXX, they have reported to my report after XXXX   accound was already reported as fraudulent XX/XX/2019 when first noticed. I have contacted the company 3 times to try and resolve this as they did not provide me the mandatory 30 days to dispute the account they went directly to the reporting. 
XXXX XXXX  refused to provide any information about the account, and was provided a FTC report stating not my account and they persisted for more personal information and stated they do not have to provide any information.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shell point mortgage servicing was given our account from XXXX We have a problem with our escrow account Shell point has increased our monthly payment by {$120.00}. They told us they had to do this because our insurance and taxes have increased, but we called our insurance office and we were told our insurance actually went down by {$2.00} and looking over the taxes for XXXX the taxes were {$2800.00}. ( If paid late ) The taxes for the year XXXX, were {$2800.00} ( if paid late ) Shellpoint is  demanding a {$850.00} cushion plus and extra {$640.00}. even though our taxes are nearly the same and our insurance has gone down. They want {$640.00}. more and a cushion over the 12 months. When we call and ask questions, they become rude, will not go over the numbers with us and then just hang up. Over and over.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX CFPB XXXX USAA RESPONSE CONFIRMS. XXXX {$170.00} & {$170.00} were USAA PERMANET CREDITS XX/XX/XXXX. see attatched. XX/XX/XXXX statement of BEGINNING FRAUD INVESTIGATION TEMPORARY CREDITS ON XX/XX/XXXX ( SAME  DAY I. REPORTED THE FRAUD. NOT A LENGTHY INVESTIGATION? ) INVESTIGATION WITH TEMPORARY CREDITS ARE AWAITING COMPLETION OF INVESTIGATION TO HOPEFULLY REMAIN PERMANET. AFTER INVESTIGATION. see attatched FRAUD LETTER OF XX/XX/XXXX USAA POLICY IS TEMPORARY CREDITS MUST BE MADE PERMANET ** AFTER COMPLETION OF INVESTIGATION. 1 ) HOW LONG DO INVESTIGATIONS TAKE TO COMPLETE? HOW COULD THIS INVESTIGATION END BEFORE IT BEGAN? ON XX/XX/XXXX?? HOW COULD TEMPORARY CREDITS BE PERMANET WITHOUT AN INVESTIGATION? WHY WASN'T AN INVESTGATION DONE??? I RECIEVED NO NOTIFICATION.. PLEASE PROVIDE WRITTEN DOCUMENTATION ITEMS DELIVERED INTO MY HANDS CONFIRMATION AFTER USAA INVESTIGATION COMPLETED.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stuart-Lippman and Associates, Inc (SC)

On XX/XX/2018 I received a call from XXXX XXXX XXXX out of XXXX, AZ. They called asking for a member of a church I use to attend. Im not sure why they had my personal cell number but they did. They asked me was I this particular individual and I said no. They then proceeded to ask me if I knew the individual and I said yes. They then started verifying this individual 's information as if it were me. I quickly stopped the guy and stated, this is a breach of confidentiality and you have no right to verify another individuals information with me. This person could be an enemy of mine and you just gave me their address. He stated his name was XXXX XXXX and was just trying to gather information. This was improper and a breach of the " unnamed '' individuals confidentiality.
Consumer complaint received 2022-12-31
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. (AZ)

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 XXXX Account # XXXX. Account name # : XXXX  XXXX XXXX, XXXX, Account # : XXXX. Account name : XXXXXXXX XXXX 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 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 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$4500.00} DPT ED/XXXX  XXXX {$4500.00} DPT ED/XXXX  XXXX  {$6000.00} DPT ED/XXXX  XXXX {$2500.00} DPT ED/XXXX XXXX  {$4200.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX  {$12000.00} DPT ED/XXXX  XXXX {$2000.00} DPT ED/XXXX  XXXX  {$3500.00} XXXX   XXXX  XXXX {$420.00} DPT ED/XXXX  XXXX  {$21000.00}
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (OH)

Sequium Asset Solutions placed an account for collections on my credit report for {$780.00}. I have never heard of this company. I was never notified of any accounts in collections. So, upon seeing the information, I contacted to company. The automated system stated I had an account balance of {$100.00} so I requested to speak with a representative. They were unable to locate an account using my name, telephone number or ever social security number. I spoke with 3 different representatives. Nothing! The last representative stated she was speaking with a supervisor and placed me on hold. I was on hold so long that my call went back into que and when it did, I was routed to XXXX XXXX Help Line. This company is a SCAM! I need there information removed from my report ASAP!