davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (TX)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

As I was reviewing my Experian report. I noticed some errors with my name and address. 

XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Social security Variations : XXXX and XXXX ( does not belong to me )
Consumer complaint received 2022-08-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I sent a dispute letter ( 609 ) to the threXXXX credit bureaus XXXX, Transunion, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (MA)

I have a card with Discover. A charge was declined today ( XXXX ), so I called them. Discover customer service told me my account was restricted until they verify some information on my account. They emailed me an authorization form ( IRS 4506-C ) that would allow them to request my tax return from the IRS. They told me my account would be closed if I don't do this within six weeks, and that there is no alternative process. 

They said they would use this process to verify my name, social security number, home address, and birth date. I believe they can verify name and SSN this way. Their attempt to verify my home address will fail because Discover has my current address while the IRS has my previous address where I lived when I filed my taxes, which I don't think is an unusual state of affairs or unreasonable. I don't believe they can verify my birth date this way at all. 

Aside from that, I am much more concerned with the privacy implications here. By demanding direct and uncensored access to my tax return, they are going to receive far more information than they need. They will see my spouse 's name and SSN, our incomes, how many children we have ( or claimed, at least ) and how much we spend on their education, our bank account numbers from the direct deposit form, our other credits and deductions, and much more personal and private information than I can enumerate here.
Consumer complaint received 2022-08-26
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. (AL)

I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

I opened a BMO harris bank account ( BMO Harris Smart Advantage account ) with a promotion that within 90 days of account opening if I have got {$4000.00} in qualifying direct deposit ( payroll ) - I will be getting {$200.00}. 
I got more than {$4000.00} direct deposit within 90 days. 
But when i requested my cash back - BMO harris is stating that because I am in TX - I am not eligible. 

Well that's not accurate. I know another person in my zip code with details Account number ending in XXXX Routing # XXXX who got {$200.00} cash back bonus for the same promotion Last time when i contacted BMO harris - I was given a totally different response.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (OH)

We leased a XXXX XXXX XXXX, new from XXXX XXXX. Turned in the lease on XX/XX/XXXX. And purchased a new XXXX XXXX XXXX from the same XXXX dealership. In XXXX we received a notice that the XXXX XXXX XXXX was in collections and a repo guy came to our house looking for that car. We got in touch with XXXX XXXX to see what the issue was and come to find out they didn't " ground '' the car. Kia stated that it was a mistake on their end and they would take care of it. Our credit was severely damaged from a issue that was not our fault. 

Then XX/XX/XXXX ( so 2 years after we turned the car in ) we received another letter stating we owe {$1000.00} for " Early Termination Liability ''. Obviously we didn't know what this was about, so after making MULTIPLE calls to the Kia Customer Finance, which was no help, we decided to go up to a XXXX XXXX. Well the XXXX XXXX was sold to XXXX XXXX. They took a look at all of our documentation and said this was a huge mistake on XXXX XXXX 's part but they couldn't help us. They said it was not " XXXX 's '' problem it was " XXXX 's '' problem. They XXXX XXXX XXXX XXXX told us that it looks like XXXX pushed back the grounding date of the car on XX/XX/XXXX. Apparently they can only backdate it so far, which makes it look like we turned in the car in XXXX, when we did all of this in XXXX. 

I then contact the XXXX of XXXX. He states that is not able to help us. And that XXXX is " stonewalled '' from helping us because of XXXXXXXX XXXX liability. 

Our account number is : XXXX We called XXXX and spoke to someone on XX/XX/XXXX for 24 minutes. XX/XX/XXXX for 28 minutes. Called XXXX on XX/XX/XXXX minutes and then again on XX/XX/XXXX for XXXX minutes. This was all XXXX XXXX relations who were not able to help us in regards to this bill. 

We have attached the Lease Agreement that states we owe {$1000.00}. We have attached the contract for the XXXX purchase of the new XXXX. I have attached all of the communication with the Sales Manager XXXX XXXX from XX/XX/XXXX. We have attached our entire payment history of the XXXX lease. The customer delivery checklist is attached.
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX and TransUnion
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent Transunion a handwritten letter dated XX/XX/22 stating their roles as a consumer reporting agency as well as a Financial Institution. They have a continuing obligation to protect, secure, and respect the privacy of consumers. I demanded 9 accounts to be removed from my report because they are resulted in identity theft and Transunion refuse to oblige. The unauthorized access of my consumer reports is causing substantial harm and inconvenience for me to extend credit and obtain things needed for my household purposes.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

received a debt collection letter sent from creditor collection services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, stating that I owe {$59.00}, which I had no idea how this debt was mine. letter reference XXXX XXXX I assume this is the amount that XXXX insurance says I owe. 
If its a debt i owe from my insurance premium, at least the collection needs to be sent to the right address. My policy address isnt the letter receival address.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Denial of my consumer credit as the creditor, when I have full faith and credit and that's a prepaid exemped account, Thier acting as Beneficial Owners of my SOCIAL SECURITY XXXX XXXX ACCOUNT, with non disclosure, signed under a NDA ( $ IGNED A NON DISCLOSURE AGREEMENT ) a unilateral contract. I'm age of majority and competent to say so per Title 46 USC 57308 ( VESSEL LIEN up to 25 years of age ). I'm the Beneficial Owner/TTEE for that account and I do have trustees and beneficiaries appointed to the revocable living trust account via XXXX 's XXXX They have not responded to any of my email request, from the very same email my account is set up under. I'm Alive for the record as well. XXXX XXXX XXXX, with prejudice. This matter should be approved and handle with care because I know they see my private securities under ( 15 USC 77 ( r ), denial of credit is unacceptable! I'm demanding a certified copy of the assets and liabilities for my account within the consumer law four days. They keep sending me obligations of THE UNITED STATES ( Title 18 sections A ) and I'm a state XXXX XXXX, which they have a copy of my passport, proving the facts!
Consumer complaint received 2022-08-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Granite Edvance Corporation (OH)

From XXXX I have struggled and struggled with this company. Used to be granite state- they constantly were telling me on the phone to put loan into forbearance and said interest wouldnt matter. I listened and did as directed. That interest sure crept up after every forbearance ended and another one started. I struggled making payments. customer service was only about forbearance. I had to consolidate since granite wasnt going to be a company much longer from word of mouth. Now I have huge monthly payment, cant afford it. Would of saved me thousands if granite wouldnt of kept pressing forbearance. Than I was told by XXXX  via phone call my loan is considered into the XXXX settlement. Called them months later and they acted like they new nothing. They had me call Ohio attorney general who than redirected me to another company. Im struggling mother here and I feel so betrayed and taken full advantage off by granite state loans. Interest sky high, to forbearance periods to income driven repayments to late payments. No one at that place were on the same page.
Consumer complaint received 2022-08-26
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. (MS)

I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto sale Service was the original lender of my contract they closed due to unpaid taxes and was forced to closed business. They sold their company to Westlake Portfolio Management which attempted to start a new contract with me instead of providing the original contract so that I can negotiate new terms and agreements. I sent an affidavit and notice of truth to this company certified mail to be contacted within 14 business days regarding this issue. They unlawfully put my car up for repossession with out me ever signing a contract with them or giving me a balance owed on the vehicle. I sent documents to retrieve the original contract 4 times via certified mail with no response in XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. They have now repossessed my vehicle in which they are not the lien holders today on XX/XX/2023.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Academy Mortgage Corporation (DE)

I was informed that I owed on a mortgage on my property in XXXX XXXX, MD in XX/XX/XXXX. I immediately filled paperwork for a mediation as well as spoke with various attorneys to figure out what was going on. In XX/XX/XXXX my house caught fire and burned to the ground and is a total loss. Everyone was notified of the complete loss. Academy Mortgage continued to insure for a dwelling in XXXX, XXXX and currently in XXXX when no dwelling exists on this property due to the catastrophic fire. The insurance company paid Academy XXXX in three payments in XXXX of XXXX, which are still as of XX/XX/XXXX in a restricted escrow account. Academy continues to move forward with a foreclosure on this property even after agreeing to enter into settlement negotiations as it was proven that I did not actually have a mortgage on this property, and that it was taken out by my ex husband and his girlfriend to obtain permanent custody of my son which didn't happen. On XX/XX/XXXX I requested a payoff letter on instructions from my Corporate Attorney as we have a buyer who is interested in purchasing the property. I called the following number XXXX and followed the prompts for a payoff letter. I then was routed to a customer service XXXX XXXX XXXX XXXX XXXX who instructed me that she could not send a payoff letter as she couldn't speak to me about this account which is in direct violation of Federal Law as they believe the account to belong solely to myself as evidenced on all correspondence sent to me by their organization. Therefore I am submitting this complaint so that someone can help to sort this out and get this Mortgage company to either payoff this supposed outstanding loan or send me my XXXX that I am owed from the proceeds of the insurance payoff from the fire they are holding in my name in escrow.
Consumer complaint received 2022-04-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

According to the XXXX  an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

I had a previous complaint XXXX which CFPB closed XX/XX/2022. Moneygram detailed instructions for me to receive {$3900.00} which I followed at XXXX. The transaction could not be completed at XXXX as promised by Moneygram, " unable to process transaction '' was displayed.

Moneygram is unable to process my transaction. I have wasted hours and hours dealing with their incompetence.

Please require Moneygram to send me a check for {$3900.00} immediately. 
Thank you.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (NY)

I am a recent graduate from XXXX XXXX in XXXX XXXX, NY. 

I have been actively looking for work opportunities and received an email, from a professor, whose email I may believed to have been hacked, offering part time employment. 

The email requested my name address and a copy of my ID. As well as my bank information ( Key Bank and XXXX  XXXX XXXX ) which I only shared the address, no account numbers. 

The email was from XXXX XXXX, a XXXX XXXX XXXX contact. I was sent a mobile check in the amount of {$2200.00} to be deposited and used to purchase materials for people with XXXX. 

After I deposited the check, the funds were shown as available, and I was then asked via email to send money using XXXX for two seperate transactions. 

The following day I went online to check my accounts and I was locked out of my accounts and told to goto a local branch. 

After visiting the branch, I was told my account locked due to an investigation on a fraudulent check. 

I do have all the emails, letter of employment and conversations saved and able to be sent as needed. 

I am still waiting for my accounts to be accessible and would like to know if it is possible to recover the lost funds. 

I would also like to report the email used by the scammer. 

XXXX And XXXX email XXXX XXXX Feel free to contact me directly at XXXX or email me at XXXX Thank you for your time Best regards, XXXX XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX