davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was online looking for different ways to make money and on apps asking for gigs. I kept getting scammers in my account for me to sell feet pictures and for online sugar daddies. Well one person was calm and understanding of my situation. They didnt ask me to do anything illegal and basically stated they just wanted to help and didnt live anywhere near me. I work fulltime in Law Enforcement, but my vehicle kept breaking down, my bank account was overdrawn, my apartment was giving me a hard time and job stress so I was desperate. So I entertained this person and ended up giving my account number, routing number, first and last name. I probably gave my city as well. But then he asked for my login and I joked a bit before I blocked him thinking he couldnt do anything to me. 

I played with fire out of desperation. I thought I could outsmart one because so many were messaging me. But I didnt realize how much I didnt know about scammers. 

I got a message like a week later saying my bank account was XXXX. I freaked out but thought I could just go to Huntington and have them cancel the payment. I went to the branch and didnt receive much help. Found out someone walked into a branch somewhere in the US and deposited the fake check in my account. So it bounced and now my account is being investigated for fraud and I lost any money I had. I also have no access to my account. 

I dont understand how someone was able to deposit such a large check with the wrong address and large amount when the bank account never had more than XXXX. 
I finally found pieces of information but the account is gone of course and the person doesnt exist. 

No information should be given to anyone. But now I have no way to do my banking and have to change everything, let alone worry about other things they have access too. 

The bank said there was nothing else that could be done and it would be 90 days of a frozen account. 
And no solutions or real help was offered. 

My account is now at {$1.00}
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping 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 — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC (CT)

On XX/XX/XXXX I sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was opened on XXXX, XXXX with a balance of {$180.00}. To this day, the creditor has failed to answer my request as they are required by Federal law and I'm very concern because I believe this accounts was never late.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX. Take off XXXX XXXX. I have credit freeze and never gave information. 
XXXX. XXXX XXXX has old information. I have XXXX balances on my accounts. 
XXXX. My credit history is XXXX XXXX XXXX and they say I have none. 
XXXX. XXXX says XXXX am late on payments in 2017. I was never late. I was in car accident and in hospital with tubes through my body. I called XXXX and told them I would make minimum payment and they took XXXX say it wasn't enough. That is a lie.I had agreement with them to pay XXXX $ a month until I got out of accident.
Consumer complaint received 2021-02-12
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: OneMain Finance Corporation (NY)

The initially disputed Onemain charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with Onemain and XXXX. This charge-off being reported by Onemain was transferred and paid in full under my Onemain Financial account by another banking institution. The actual loan which is listed under the Onemain Financial account clearly shows this in my XXXX credit report. I have never paid so much as a penny on this charged-off Onemain duplicate account. XXXX does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple XXXX reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from XXXX  under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to XXXX for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
XXXX refuses to do an independent investigation where even a simple phone call to Onemain would confirm that I have never opened a note loan under the duplicated account listed as Onemain. Instead, XXXX continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with XXXX and Onemain.
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

back in 2020 when covid first came around i was having a hard time. XXXX XXXX XXXX XXXX XXXX with my at that time XXXX child. i caught XXXX  at work doing XXXX  and caused me to XXXX XXXX XXXX XXXX. i was having a hard time making the payments as i had so many other children and a mortgage so i had to choose. i asked santander to allow me to voluntarily surrender my vehicle since i no longer wanted it as # 1 i owed way more than what it was even worth. # 2 no longer making money. the vehicle was then SOLD at the auction and that price hasnt even reflected on what is showing on my report. i had a hard time and this car is really effecting me. XXXX  took a huge turn for my family and i am asking that this get forgiven and removed from my credit especially since the report is misleading because that isnt even the proper amount that is owed on the remaining balance.
Consumer complaint received 2020-07-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AR)

About XX/XX/XXXX me and my family had a letter in our mail box that was supposed to be signed for the letter stated they where representing Navy Federal Credit Union as well as a letter signed by a county representative and we're notifying us the date our home was being actioned off due to lack of payment since XX/XX/XXXX. I was unaware of any late payments other then one a year or so earlier that XXXX XXXX XXXX payed after NFCU froze our accounts months after they paid a class act lawsuit that the CFPB antiated for doing so then did it to us months after and froze and withdrew, VA compensation, Social Security compensation, DFAS combat special compensation, and reposed one of our vehicles because of one late payment with all my school supplies for a course I was taking payed for by my GI Bill. They have destroyed our credit and finances soon to be homeless created XXXX XXXX  diagnosis in our children worsening my wife 's and mine and causing more Medical diagnosis they have took everything from us without legal reasoning. So I would guess just assets alone they have and are stealing alone {$350000.00} if I had to guess the consumption of my family 's life in all along with this snowballed effect and health issues I can't really put an amount they are destroying our lives!!!! So my best guess what ever this CREDIT UNION ownes legally not stolen from others, I believe they are with Billions we want it as well as fellow Veterans paid as well we are not the only ones the VA home loan office told us this is becoming a trend with them and Navy Federal Credit Union this last 6 months this was told to us in XX/XX/XXXX XXXX
Consumer complaint received 2020-07-28
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. (CA)

There are multiple hard inquires on my experian report that show I tried applying for certain credit cards that I did not do. 

XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX -- Inquired on XX/XX/2020 XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX XXXX -- - Inquired on XX/XX/2020
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am having a problem with a car loan reported by XXXX XXXX. The account shows an erroneous 30-day late payment for XX/XX/XXXX. 
In XX/XX/XXXX, I disputed the 30-day late reported by XXXX XXXX to TransUnion. I reiterated the reporting was inaccurate ; my payments were never more than 30 days late, etc. The dispute results from Trans Union came back stating that the account had been updated to reflect no late payments and the 30-day late payment. 
Trans Union provided me with a copy of my corrected report showing the account was updated and now showed no late payments reported by XXXX XXXX. Since this was the only negative item reporting to my credit, I went on to try to apply for my loan once it was corrected. However, it seems that the late payments were reinserted without my knowledge, some time after it was initially corrected. My understanding is that the FCRA requires written notice of reinsertion of previously-deleted negative information within five days if a negative comment or history is reinserted after it has been removed. At no point was any such notice provided. 
I was never given any notice that the rectified erroneous late history would be re-reported, and wasnt even aware that was something that could be done at all! How can this company verify that my payments were never late, fix their reporting of it, and then turn around to report the exact same false information again? How did Trans Union allow previously-deleted information to be reinserted?
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (GA)

Tried linking bank accounts to transfer among them. Three banks are involved : XXXX XXXX XXXX PNC  They refuse to cooperate with each other to facilitate the linking of accounts to enable me to transfer funds among them.
Consumer complaint received 2018-12-13
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor :  XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-09-22
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. (GA)

This complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by your company.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX  dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.
Consumer complaint received 2018-05-03
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. (CO)

Had a bill for a {$1500.00} fromXX/XX/XXXXuniversity that I paid on XX/XX/XXXX ( as shown in screenshots from bank account statements ), but they sent that bill to a collection agency XXXX XXXX XXXX who have now added an additional {$500.00}, saying that I owed them {$2000.00}. The date they gave me when I called them was XX/XX/XXXX ... but I never attended XXXX in XX/XX/XXXX, dropped out at the end of the spring semester XX/XX/XXXX This account in collections shouldn't exist.
Consumer complaint received 2022-02-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

XX/XX/2022 Mr cooper has been supplied documents concerning the method of how income is dispersed the amount of how the funds are received and the date of when the funds are dispersed ( no consideration has been given ) I have supplied death certificate ( has not been acknowledged ) ive suppled my work contract ( ignored ) everything has been pending for about eleven business days and its has been like this since XXXXN. Im tired of writing and complain and nothing being done. This will be my last time writing to CFPB im going to start contacting legislation this is XXXX. This company circumvents rules whenever they feel like with impunity and CFPB you are responsible for this mess as well i have been tortured by this organization for YEARS Like I ve been literally checking mr coopers web site DAILY for updates or my email and i only get CFPB responses and the issues is satisfied with a " response and closed '' XXXX... The documents I have supplied mr cooper are valid and credible YOU VILOATED YOUR OWN POLICY MR COOPER 3-5 business days ( your own policy ) is a joke so keep pulling more arbitrary rhetoric out of your XXXX to save your skin. You been on a Sabbatical this entire time when im trying to adhere to a deadline only to push dates back cause when all know you LEGALLY cant do anything officially until XXXX ALLEDGELY ... OH BTW you notice not a SINGLE SPOC person has called me considering that my mod consideration is due to expire in about two weeks casue of the process THIS WAS USED LAST MONTH when you violated the law to call me TWICE but i suppose Mr cooper was was so concerned WHY ARENT YOU concerned now ABSENTEE servicer!!!??? cause its not convenient applying it to your situation to be absolved from liability??? admit you violated your own XXXX business day policy. SHOW why your fortune FIVE HUNDRED company lack the INABILITY to accept entire PDF files and it has to be uploaded one document at a TIME. PREDATOR STALLER LIAR SUBTERFUGE TRICKSTER ETC ETC
Consumer complaint received 2020-07-28
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CO)

This complaint is very simple and is a FCRA violation. National Credit Systems is reporting the incorrect date of first delinquency, a clear violation of FCRA. National Credit Systems, a collections agency, is attempting to collect for XXXX XXXX XXXX. The date of first delinquency with XX/XX/XXXX was XXXX. National Credit Systems is reporting date of first delinquency of XX/XX/XXXX with all three credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX).  This is a clear FCRA violation.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX & XXXX XXXX are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

onXX/XX/18 I used my BoA mobile banking app to, what I thought was securely, transfer {$400.00} from my account to an individual who was " selling '' event tickets. After I transferred the funds the " seller '' stopped communicating, so I immediately called my bank to stop the payment to which they replied there was nothing they could do because it was through XXXX. For one, I did not ask for them to force me to use XXXX when using my mobile BoA app. Two, this is fraud no matter if I initiated the transaction or not. It was their decision to use a non-secure form of transfer and to not try and fix the issue. If I used my debit card to buy a mattress online and it never came, they would consider that fraud and investigate. this is no different.