davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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 my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (MI)

XXXX and Equifax are reporting a US Dept of Edu inaccurately, despite the AUD which was sent to them in XXXX of 2022 to remove ALL negative information. The account they continue to report showing a balance of {$36000.00}, is a accumulation of the other 19 US dept of Edu accounts which are reporting in good standing and never late as a result of the FRESH START PROGRAM. I have dispute this in the past yet Both Equifax and XXXX continue to report it inaccurately.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

The dates and communication is all attached. 
I typed in my mortgage holder, Select Portfolio Servicing , IncXXXX, out of XXXX XXXX XXXX XXXX  on the CFPB website, and I didnt find the exact company name but after investigating further, I wonder if it even has the loan docs to my house. 
The XXXX in XXXX XXXX has over XXXX XXXX XXXX XXXXXXXX for this company. 
I am writing to explain an attempt to extort money and obtain my signature to set up escrow for the dates of XXXX in the amount of {$150.00}. My insurance is through XXXX XXXX XXXX ( XXXX ) which was recently switched internally to XXXX. [ I was going to change out of the XXXX altogether to XXXX XXXX but I changed my mind. SPS may try and say that I was uninsured at the tag end of the policy but XXXX is affirming otherwise ] I have contacted XXXX  and had them fax Select Portfolio Servicing the revised renewal declaration showing no lapse in coverage, and recently XXXX wrote a letter and I faxed it to SPS. 
SPS called again last night ( XX/XX/24 ) and they didnt get either document which is unbelievable, as SPS provided the fax number and I have a receipt from my fax service. I called them back and told them I was reporting them to the CFPB for harassment and unreasonable requests regarding a now expired policy-I think I would call it extortion. She explained that they needed my loan number to search for my records. XXXX, I wasnt instructed to have my loan number in the subject line of the fax or email. I put in my loan number, and suddenly she found my transmittal. I think they wanted my signature legitimizing my relationship with them and I wasnt going to give it. The original premise of buying a premium for an expired policy is laughable. XXXX XXXXXXXX representative was courteous but explained that the policy had expired. I explained that it doesnt have to be logical it merely has to state that there was no lapse in coverage between those dates. 
The original lender was XXXX and then XXXX XXXX XXXX and then Select Portfolio Servicing.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Windham Equity Company (CT)

I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my car have been giving issues. I took it to XXXX XXXX  for them to check what was giving the issue and they told me I will need an update tcm mod, but the part been on backorder for the past 9 months now. They also told me I need the change both of the actuator which I did, and that the car was having an oil leakage to I took it to my mechanic and thought that wouldve help but the mechanic realized the leakage was coming frm the transmission. So I took the car to the transmission shop and they told me in order to fix it I will have to pay over XXXX. I tried calling the dealership and they kept telling me the person that sold me the car isnt in until a certain time when I call back they kept telling me the person isnt in as yet. At this point idk what to do. Not the car is in my drive way parked because it wouldnt start. Im here paying XXXX a mth to the finance company and XXXX for my car insurance while Im taking XXXX to work.
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I send {$400.00} to XXXX XXXX to a bank account I use money gram for the transaction, but hey said the account number was wrong, but how this people can get the money if the name and the account number wasnt same.
Consumer complaint received 2023-02-19
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Enhanced Acquisitions, LLC (IN)

MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IN)

I contacted XXXX XXXX /commodity Bank about an account that I closed in XX/XX/XXXX after I paid in full. In XXXX XXXX they sent me a bill that stated it was owed.but the agent could not explain for what. thinking I will just pay It and end this. Well not so, again I was billed in XX/XX/XXXX this time for {$2.00} I called each time I was promised this has been satisfied.it was only until XX/XX/XXXX this time {$19.00} at no have I used this account since my last payment in XXXX XXXXOnce again I was assured this is all done. I filed several written dispute with XXXX XXXX and with XXXX and still to this date I was contacted by XXXX that my account has been marked as a missed payment I just seen to make this go away. was closed and XX/XX/XXXX. Since then I have continued to be charged {$19.00} a month. I've spoke with several representatives to get this issue taken care of yet to current date. It is still affecting my credit score as a bill that'I owe and I can't do anything.I really need help. My credit is being ruined for something someone's else is doing either purposely or by error either was I'm paying for it
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

I sold {$1800.00} worth of XXXX on PayPal. The account was frozen for 180 days. I was supposed to receive the money after 180 days but they are still not releasing it. The money belongs to me. It is mine. PayPal needs to give it to me so I can transfer it to my checking account.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I opened a PMA checking and brokerage account with  Wells Fargo  in  XXXX .   I had  XXXX  checking account, a credit card and ATM card at that time.     At some point in  XXXX , inexplicably, a second checking account appeared on my statements. I believe this account was opened as a result of the fraudulent and unauthorized accounts opened by  Wells Fargo em ployees pressured to meet sales goals, which has been addressed in a class-action lawsuit against  Wells Fargo.  I am not part of the class-action case. Mysteriously, the second checking account was removed from my PMA account in  XXXX   XXXX . I had met with a  Wells Fargo empl oyee in  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  to provide more information regarding a fraudulent transaction which took place on  XXXX   XXXX ,  XXXX .
Consumer complaint received 2023-07-17
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

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 2024-02-27
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. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-07-17
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. (MD)

trans union is reporting inaccurate account under my name account XXXX for XXXXXXXX XXXX  place in chargeoff/ collections. charge offs are not only concerned income XXXX XXXX it is cancel debt by the irs but i have never receive any anything about this debt this doesn't belong to me and i have no knowledge of such account. how is that this can ordinary income and its furnishing on my credit report this company has filed the lost on the there taxes. this a violation 15usc1681eb it speaks on maximum accuracy of the debt this has to be removed now as its affecting my life pls delete. the other XXXX bureaus removed this account because they were unable to properly verify. I'm confused on why u still reporting this account and have access to the same Information the other credit bureaus do. delete account pls
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

I am a victim of identity theft, and did not make the charges. Ive disputed the transactions with the credit card company but my dispute was denied. I am not responsible for these transactions so I am appealing or asking for a disputes investigation again.
Consumer complaint received 2023-02-19
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (OH)

XX/XX/2024, The incident began with a negative encounter involving XXXX of the staff members who, in addition to refusing to answer my questions, engaged in threatening behavior, intimidation, and offensive language. Frustrated by the situation, I declared my refusal to allow the repossession and informed the individual that I would be calling the police, especially since they failed to produce a repossession court order upon my request. 

The staff member 's actions escalated to the point of causing a breach of the peace, a clear violation of 10 USC 916, and involved provocative gestures, contravening 10 USC 917. Furthermore, the company committed offenses under 10 USC 921 for larceny and wrongful appropriation. 

As I contacted the police during the alarming confrontation with XXXX XXXX, the responding officers arrived within XXXX minutes. The police official, while acknowledging his limited knowledge of repossession laws, confirmed that the company failed to notify them, violating the proper procedures. Additionally, he recognized the company 's trespassing on my property, even going so far as to use a device to open a closed gate, violating Ohio 's trespassing laws. Trespassing, as defined by legal precedent ( Triscony v. Brandenstein, 1885 ), occurs with wrongful entry onto land in the possession of another. 

All these infractions are subject to punishment as determined by a court-martial. The police officers involved in addressing the situation had badge numbers XXXX. It is essential to emphasize that repossession agents must adhere to proper procedures and documentation when seizing a vehicle, a standard that this company failed to meet in this particular incident.
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

I paid way over 100 % of this loan. I called to pay off principal before pay dye and they suddenly are adding additional charges. I should be clear of this loan but its predatory and not honest business
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (AZ)

The background report I received list XXXX XXXX criminal charges from XX/XX/XXXX. The Disposition on these cases are listed as PENDING CASE. 

The acutal dispostion as shown publicly by the case number in the county is : Dismissed Due to Plea on Other Count and Pled Guilty As Charged. 

I was sentenced to probation on XX/XX/XXXX and a PTP - Petition Early Termination Probation Order was submitted on XX/XX/XXXX. 

I was received an ODM - Order of Discharge from Probation - XXXX XXXX on XX/XX/XXXX. 

I then received a SJU - Satisfaction of Judgment on XX/XX/XXXX.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been fighting with Equifax for over a year about putting this address on my Bureau. They asked me to send in my identification showing my current address and I do exactly what they asked. I submitted the information asked via fax and mail. They are refusing to remove this address. They first removed the address then put it back on my credit again today. Im concerned that someone at that address is trying to use my credit and they wont do anything about it.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-01-31
Product: Credit reporting 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. (CA)

It has recently come to my attention that several new requests for credit have been submitted using my personal information. I am the victim of identity theft and fraud. 
My personal information has appeared in data leaks through XXXX and TransUnion, and I have been notified that my information has also appeared on the dark web. 

The following accounts have been attempted to be opened in my name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I had a Citi Bank Mastercard. I called the company at the end of XXXX and asked that the credit card account be closed. They confirmed it was closed. When I logged in online, I confirmed that the webpage said " This account is closed. '' XXXX a company put through a charge for merchandise that I had cancelled in XXXX, confirmed with the company it was cancelled at that time, and never received any merchandise. The company apparently was able to put through the charge because Citi allowed it EVEN THOUGH THE CREDIT CARD WAS CLOSED! As a result, I'm getting a bill from Citi, late charges, interest, penalties, etc for something I didn't buy on a card I don't have. Help!
Consumer complaint received 2021-10-25
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. (PA)

To whom this may concern, I recently pulled my credit report and noticed that the following accounts are reporting inaccurately ; XXXX XXXX ( XXXX ) - Delete this account because the date opened on, XX/XX/XXXX, is incorrect. XXXX is showing a date opened of XX/XX/XXXX and you are showing a date opened of XX/XX/XXXX. 

XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing a date opened of XX/XX/XXXX XXXX
Consumer complaint received 2017-05-05
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: CITIBANK, N.A. (CA)

offed  XXXX      AA advantage point if spent {$3000.00} in 3 months.
Gave {$1500.00} limit.
paid more for the account to be in credit but freeze spending power not to get to {$3000.00} in 3 months
Consumer complaint received 2024-02-27
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)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Company says because I reported fraud I can not have access to my account ( Credit report online ) ever again. If I want access to my report I have to get it mailed to me and also if I want to dispute anything I have to call or mail. I am being punished because of someone doing fraud through my account and this is not right!