davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (MN)

XX/XX/21 I applied and was approved for secured loan with One Main Financial. I was approved and uploaded required documents for a check disbursement from a XXXX in the XXXX, MN branch. I signed all the necessary documents in the branch via a computer. I was told my loan would be disbursed immediately. 

I cancelled an important meeting as to meet with her in person and obtain check. XXXX the wrong payoff on my vehicle from the current XXXX holder. I informed her such information was incorrect. XXXX was very abrupt and rude and told me, " she waited on hold XXXX minutes to get my pay off amount and that it was correct! '' She then said she was, " Done and that I had to leave the office immediately '' without offering any other information. 

I contacted the OneMain XXXX XXXX in XXXX, IN and was required to leave a VM and wait for a call back. As of the time of this complaint no one has returned my call. 

I then called XXXX -- XXXX and was told I had to go through the sales center and could not visit a branch. I was transferred to a XXXX, referred as my, " closer. '' XXXX then told me he had all documents necessary except for my vehicle registration and to upload that via my OneMaiXXXX account on line. Trying to log into my online account, but it is NOW MISSING! 

I then called OneMain XXXX number again and I was put on hold XXXX minutes ONLY TO BE TOLD SHE HAD TO TRANSFER ME. I was transferred to the main number once again! That representative told I had XXXX applications on file. I only applied for XXXX and have submitted and filled out ALL DOCUMENTS AND SIGNED LOAD DOCUMENTS THIS morning with XXXX!
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just had a baby and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includes.XXXX XXXX XXXX  {$990.00}, XXXX XXXXXXXX {$240.00}, XXXX XXXX XXXX XXXXXXXX {$160.00}, XXXX Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bilateral Credit Corp, LLC (NV)

I settled on a judgment in 2007. The same company has filled the same judgment seized my XXXX account for the exact same judgment. 
I suspect that is happening to other people who dont know. But not limited to people who died from XXXX and its variance.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion and XXXX is reporting an inquiry from XXXX XXXX on XX/XX/2021 on my credit report. I have filed several request to be removed. I also contacted XXXX XXXX. I'm requesting this inquiry deleted and removed from my account. I am not aware of this inquiry. It did not belong to me.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

Experian signed me up for a XXXX monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser XXXX is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXXXXXX hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (AR)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-11-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: UMPQUA HOLDINGS CORPORATION (AZ)

I have tried to request documents to validate the charges they are adding to loan. We had a forbearance on this account due to business being affected by XXXX. They have disregarded the forbearance we signed & agreed toXXXX XXXX XXXX ( Financial Pacific ) is adding fees from the forbearance period which should not be valid. I have requested the documents on this entire loan & they have refused to provide all items I am requesting. XXXX XXXX is requesting double the loan amount which is not what we signed & agreed to on the forbearance loan. They have also signed addendums we did not agree to, I have brought this to their attention & they refuse to provide financial statements or reports reflecting how they are coming up with double the amount of original loan. After almost XXXX years of paying on this loan they are requesting the full amount of original loan. We can not get any answers or transparency for any request I have asked all parties for documents pertaining to charges. XXXX XXXX XXXX XXXX XXXX refused to send my request. XXXX XXXX Has sent a demand letter for full amount of loan, the amount they are asking is XXXX when I was just told payoff was about XXXX. The loan was refinanced under a forbearance new terms & agreement of XXXX in XX/XX/2019 under a forbearance plan & now we are being told we need to pay XXXX asap. I have all communication in email to validate my statements. My records reflect we are XXXX payments behind due to an accident caused by another party, attorney provided the letter for their recordsXXXX XXXX XXXX did not believe unit was in accident & still pending litigation. We are under the repossession stage, loan has to be delinquent for more than 90 days which we are not, the payment attached is from my bank & reflects that. The last document ( Forbearance ) we signed is attached, they somehow came up with addendums after forbearance which we did not review or sign. This is not legal business transaction & we are not getting any answers from them just demands, we need assistance with this account! Thank You!
Consumer complaint received 2022-07-26
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. (MO)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.
Consumer complaint received 2021-11-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (HI)

Today. XX/XX/2021, I called EXPERIAN at XXXX because my written requests to EXPERIAN asking them to send me reports and results of their independent investigation of my disputed accounts have still not been honored and my rights are continued to be violated. Twice now I have requested, in writing, results and proof of EXPERIAN 's independent investigation into the disputed accounts listed on my credit report. Today on the phone I spoke to XXXX, who continued to deny me any information about EXPERIANS Investigation, he could not truthfully answer my questions and so I requested to speak to his supervisor, after being put on hold for 5 minutes XXXX told me that there is no supervisor available and then he promised me that a Supervisor would call me back within the next 3 hours, SADLY NOBODY EVER CALLED ME BACK! 
VERY UNPROFESSIONAL! EXPERIAN CONTINUES TO HARM ME WITH INACCURATE INFORMATION ON MY CREDIT REPORT AND CONTINUES TO IGNORE MY REQUESTES FOR PROOF OF THEIR INVESTIGATIONS INTO MY DISPUTES. EXPERIANS ACTIONS ARE HARMING ME INTO FINDING EMPLOYMENT! 
EXPERIAN by FCRA requirements must conduct an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditors in question. NO SUCH INVESTIGATION HAS EVER BEEN DONE! 
EXPERIAN ONLY GETS THEIR INFORMATION FROM eOscar.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I am writing in regards to somethings that I have noticed from you all on my consumer report. I see an alleged late payment that you have furnished on my consumer report. It was actually a billing error due to violations on part of your compant. By reporting this as a late payment you are in violation of the following 15 U.S. Code 1666 Correction of billing errors ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

The law clearly states that you all were to send disclosure to my address at least XXXX days before the end of the billing cycle, which you did not do so therefore it was a billing error on your part. I am demanding to see real verifiable proof that I did not pay on this account that is marked late as well as proof that you have sent the disclosure as stated above XXXX days before the statement due date. If you can not provide these things. It is clearly a billing error pursuant to 15 U.S. Code 1666. 

The account below should be updated to paid as agreed on my consumer report XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation CAP ONE AUTO Account Number : XXXX As a consumer by law the late payment must be removed and account updated to paid as agreed Having this late payment reflect to my account has caused me much financial stress and money. It has hindered my ability to obtain credit and has cost me more money than it should because of higher interest rates. As a consumer by law I am eligible to seek compensation for you all violations of the law pursuant to 15 U.S. Code 1681n you are liable for up to {$1000.00} per violation. I am demanding that you update the account or remove it from my credit report ASAP or I will have to escalate this to the XXXX XXXX XXXX and Attorney General. 

Thanks for your Cooperation in getting this resolved on my consumer report. 

XXXX XXXX
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I paid the loan in full on XX/XX/2021. I received paid off letter ( attached ) from SPS dated XX/XX/2021. To this date I have not received any release of interest on the property from SPS. County records have also not been updated to this date ( XX/XX/2021 ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with 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. 

XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX, XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXXXXXX 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 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 2021-11-19
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: Nelnet, Inc. (CA)

XXXX XXXX XXXX/NELNET - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened US DEPT. OF EDCUATION - XXXXI did not open any student loan account nor authorize anyone to open any student loan accounts for me. I am a victim of fraud and this account needs to be deleted from my credit reporting. I never attended any educational institution during the time this fraudulent account was opened
Consumer complaint received 2021-11-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I have written to this company Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) and have personally spoken with " XXXX '' Employee number -XXXX at XXXX XXXX and spoke for XXXX minutes and XXXX seconds about validating and verifying the dept prior to moving forward. He refused and told me to take the deal I was given and lucky to get. He refused to transfer me to a supervisor and then said, " he was done, and any deal he was giving us was taken off the table. '' Not only was this conversation and his demeanor unprofessional, but it was also insulting and unbecoming. Instead of de-escalating the conversation, he continued to elevate the hostility and add gas to the fire. XXXX days have passed with for the official request for verification and validation. I requested to see all pertinent documents and they have not sent anything i have requested. My next move is to take this to FDIC and also to my state attorney 's office to file a complaint. 

Respectfully, XXXX
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/2021 I went to US Bank at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX. I had my paycheck from my employer which is drawn on that bank. I had proper ID. The bank manager XXXX XXXX said they do not have the cash on hand to cash my check. My employer had the funds available in the account. I was denied payment on my paycheck by the bank manager.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA auto policy insurance closed my account, this is unauthorized, I do not consent USAA has violated my Federally Protected Consumer Rights. I tendered an instrument which is an agreement, said agreement is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. The instrument constitutes as payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I owe no debt. As everyone should know lawful money was removed from our economy by congress in 1933 by HJR 192 ( House Joint Resolution ) and replaced with negotiable instruments. These negotiable instruments are considered as legal tender on the same par and category as Federal Reserve notes. USAA canceled my insurance and is demanding that I pay a balance that I do not owe.
Consumer complaint received 2015-10-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (UT)

We have been working on a XXXX short sale with Shellpoint Mortgage - they set a sale date and foreclosed on the property today. They have foreclosed for {$48000.00} less than what was being offered to them on the short sale and the offer was above their determined Value