davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
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. (SC)

Equifax has been non-compliant with removing the unverified account XXXX XXXX  XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-02-02
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. (NY)

The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.
Consumer complaint received 2018-04-12
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: AES/PHEAA (NJ)

All of my school loans were transferred or sold and the credit bureaus are reporting the multiple loans as duplicates. On or about XX/XX/2017 I submitted an online dispute via Credit for those duplicate reports but the bureaus claim that the lenders resolved it which is not true. I called the lenders and they said they would fix it but it never happened. I am being denied credit because it appears that I have taken out numerous loans but the student loan lenders refuse to report properly as well as the credit bureaus after speaking to them on the phone. They are pointing to each other and giving me the run around. I was emailed the results and nothing has changed. My school loans are currently being paid thru the School Debt Relief Act and the disputed closed accounts are mostly over 7 years old.
Consumer complaint received 2021-12-06
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. (WI)

XX/XX/21 - TransUnion signed for and received a letter from me which detailed that TransUnion furnished 30 accounts with Late payments and Transactions without any written consent. These actions were in violation of 15 USC 1681b and 15 USC 1681 ( 2 ) ( a ) ( i ). I sought remedy for these actions along with remedy for inquiry and address removal with an invoice computed using 15 USC 1681n. 

No response XX/XX/21 - TransUnion signed for and received signed for and received a notarized notice of pending litigation in affidavit form and another invoice. In the affidavit, I detailed 175 actions of TransUnion that were in direct violation of the FCRA, the laws violated by TransUnions actions were : 15 USC 1681b - violated 33 times by TransUnion furnishing 33 accounts on my report without written consent ; 15 USC 1681 ( 2 ) ( a ) ( i ) - violated 33 times by TransUnion furnishing 33 accounts with information about transactions and experiences ( credit utilization ) ; 15 USC 1681a ( e ) - violated 30 times when TransUnion improperly validated and verified information that was in dispute. I am the original creditor on all accounts, and I am the only one who can validate the alleged debt, which I have denied validation on these accounts multiple times. Reference to CFPB Complaint XXXX ; 15 USC 1681c XXXX a ) ( 4 ) - violated 13 times when TransUnion furnished 13 accounts that were either charged off or in collections ; 15 USC 1681c ( a ) ( 5 ) violated 31 times when TransUnion furnished 31 accounts with adverse information on it ; 15 USC 1681i ( a ) ( 1 ) ( A ) violated 30 times when TranUnion choose not to conduct a lawful investigation into my disputes. TransUnion did not interview me, neighbors or loved ones when it pertained to the dispute ; and again, I am the original creditor on these accounts and I did not validate the accounts but somehow TransUnion was able to validate the accounts. 

XX/XX/21 - I received a copy of my credit report and some dispute stuff from TransUnion. TransUnion didnt respond to my affidavit with an affidavit ( 12 CFR 1102.33 ).
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (ID)

My wife and I talked to the company on the phone. I asked to be sent the breakdown/proof of debt. I was sent a bill with no itemization just saying that I owe {$320.00}. I disputed this with the previous company and they then sold it to this company because it is not owed. I had state insurance in Washington at the time of this bill which the previous company told me was the case. Unless the hospital gives me something to sign acknowledging my insurance would not pay for a service I can not be charged. The hospital had to accept payment from the state as payment in full. I tried to tell this to the rep over the phone and they said they didn't know anything about this debt except the amount. This is a wrongful debt, they can not provide me with itemization. This needs to be closed completely, not reported and not sold to another agency for me to continue to dispute.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX at approximately XXXX I called Wilshire Consumer Credit to inquire about my recently repossessed XXXX XXXX XXXX XXXX XXXX ( VIN XXXX ) fair/good condition XXXX miles. I was notified that my truck was already sold for about {$5200.00} at a private auction. 

I was never notified of this sale by mail or phone, and the price it was sold for is SIGNIFICANTLY lower than any used vehicle value on this by at LEAST XXXX %. Even after calling XXXX they refused to provide any documentation on the sale or why it was sold at such a low value. 

The original loan amount was ** $ XXXX approximately XXXX years ago. Thousands of dollars in payments were made to XXXX. They stated AFTER selling my vehicle at an extremely under market value AND not providing me any info, that I STILL OWED over XXXX XXXX dollars that they charged off. 

This is absolutely beyond criminal. The amount of damage they have caused to my family ( husband and XXXX  children ), is beyond enormous. After paying them thousands of dollars on the loan at an 80 % interest rate they still continue to destroy my credit saying I owe them money. I only received this loan as an emergency to assist with paying a few months of my mortgage. Every time I call them they hang up if I or my husband ask simple questions. They will not provide me with auction info detailing the sale of the truck or etc. A few months prior they offered to settle the account for a little over {$6000.00}. Now that they have sold the truck without providing me a chance to even be there at the auction they are stating that offer is not valid. In total on a {$5500.00} loan they have received payments AND sold my truck for over {$10000.00} and they are still stating I owe more than {$5000.00} Please contact me via email or phone with any help for this. If this isnt criminal I dont know what is. I acknowledge I was struggling and missed multiple payments over the two years, but they repossessed my vehicle multiple times XXXX to XXXX  days of missed payments. Added in repossession fees and costs every time making it IMPOSSIBLE to pay off this 80 % interest loan for me after paying all fees and repossession costs multiple times. The blue book value of my truck is between {$14000.00} and {$17000.00}. They sold good condition perfectly running truck for a little over {$5000.00} ( allegedly ) without providing any auction information to my address which has not changed in 5 years. Upon calling XXXX and XXXX towing I still have not been provided any documentation on the sale. I was allowed to retrieve my property from the truck one time about a week after they towed it. I had mounted charges and after market lights they never allowed me to retrieve in the truck. At the tow yard no documentation or any information about the sale was ever given.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NY)

I, XXXX XXXX XXXX, federally protected consumer, rights under the Fair Credit Reporting Act has been continuously violated by EQUIFAX , INC . I've tried countless times in the private via certified mail to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (CT)

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment. 

These items of hard inquiries and past credit debts disputed by Equifax, XXXX, XXXX and XXXX XXXX I am requesting that the items be removed. 

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

XXXX has charger my account for {$180.00} and for {$8.00}. The second charge was refunded but the {$180.00} was not refunded I emails from the stating the charge was refunded Wells Fargo, has not credited my account for the unauthorized charged
Consumer complaint received 2021-12-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On the first of XXXX I sent letters to all three bureaus XXXX, Equifax, and XXXX. It has been well over 45 days. On the XXXX of XXXX I received a letter from XXXX ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other two bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Consumer complaint received 2018-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION (GA)

Despite my previous complaint against the unethical business practices of OPORTUN XXXX, and my clear and firm statement to them that I did not want their credit card, they have against my instructions added this credit card to my credit reports, a credit card which I have not even activated as I do not want it!
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

Dear CFPB, I would like to start a formal complaint regarding Venmo. On XX/XX/2021, I received XXXX XXXX, then I sent it to my bank account. The XXXX never made it, they refuse to reimbursed me for my XXXX USD. I contact them on XX/XX/XXXX. We are not the team that take car of that or this. Bottom line they never give me my XXXX USD
Consumer complaint received 2018-11-24
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. (MN)

Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.
Consumer complaint received 2018-11-24
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. (MN)

Im a victim of identity theft. Someone applied for and opened a auto loan account with XXXX XXXX XXXX on XX/XX/2013. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent, unauthorized and not mine.
Consumer complaint received 2021-12-06
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. (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 accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$78.00} XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TN)

my complaint is about Hunter Warfield. I am disputing the accuracy of this debt with XXXX. I submitted the dispute on XX/XX/2021 and the collector should have been notified by now that it is in dispute. However, I am still receiving daily calls in an attempt to collect the debt even though it is still in process with the dispute! This should be illegal and I am willing to take legal action against this company.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (TX)

Usually a big fan of Chase. But they messed up my credit card accounts. I am really frustrated and upset. But hoping you can help. I was sent a replacement card on XX/XX/19 without my consent. I tried to call to fix the issue but company didn't do anything to fix it except for apologising. Enough sorry but I just want to feel my information is " safe '' and nothing will be issued on my behalf without prior consent.
Consumer complaint received 2021-12-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (VA)

I was supposed to close on my home through Lennar Mortgage. The VA appraisal document was not provided in time. The lender explained that they submitted their request timely and made multiple attempts to contact the responsible party. As a result I am unable to close on my VA loan. This is my second official complaint dealing with Lennar. The closing manager called me and said that my paperwork was completeagain why would I not feel like this is an act of reprisal due to my initial complaint with Lennar. I would like a full report of all correspondence and documentation concerning my VA loan and communication with the Seller.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

In XXXX I was told by XXXX about the forbearance program with them and they encouraged me to take advantage of that program. I asked if I was going to face a huge payment and be forced to become current on payments at the end and was told NO, that since I had an XXXX XXXX, I would not have to make a lump payment, and that I would simply RESUME making regular payments to my mortgage, and that the money owed would be added to take back of my mortgage. 

I verified this with them every month. 

So in approximately XXXX, XXXX sold my mortgage to Carrington. Carrington contacted me and asked me if I was ready to start making payments and I said yes, so then they told me that I needed to pay them {$10000.00} ( approx ) plus resume making monthly payments. We agreed on a payment program of {$4100.00} a month for three months which would bring me current. I made the first payment on XX/XX/XXXX. Instead of taking one payment, Carrington took two. I asked for them to return the money to my bank. They refused to stop debit on their end and my bank refused to let me stop payment on a single payment, instead telling me that I would have to block everything incoming from Carrington. I did not have the money so I had to sell personal items to make sure the money was in the bank to cover the two payments. I had spoken to Carrington several times and was repeatedly told I would be contacted by a supervisor. This never happened. 

I was never told they had decided to send me a check via XXXX. I WAS told today that a check had been sent via XXXX  and that it was my responsibility to track that package down, not them. My bank account still shows two payments have been withdrawn by Carrington, each in the amount of {$4100.00}. Yesterday I checked my post office box in town and there was a notice from Carrington saying that I owed over {$9000.00}. I called today ( Monday, XX/XX/XXXX ), and I'm being told that I have been removed from the forbearance program, and that I owe {$9300.00} ( {$4100.00} x XXXX ) If positions were reversed, Carrington would be telling me that the issue of the payment return or receipt by XXXX would be MY issue, not theirs. I am simply asking them to check their records and see that the payment they sent me has NOT been cashed, credit that to my XXXX payment, return me to the forbearance program, and for this not to effect my credit.
Consumer complaint received 2021-12-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On the first of XXXX I sent letters to all three bureaus TransUnion, XXXX, and XXXX. It has been well over 45 days. On the XXXX of XXXX I received a letter from TransUnion ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other two bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (AZ)

I opened my accounts at the end of XX/XX/2020 with the local branch mamager and becuase I am XXXX anc cannor use online banking, I was told that the paper statement fee would be waived. I have a serveral witnesses that are willing to attest to this fact. Over the past few months, my account has been charged those statment fees, and the manager refuses to address the problem. Customer service also refuses to waive the fee as promised and reuses to put the stolen mpney back into my account.
Consumer complaint received 2018-11-24
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: Continental Finance Company, LLC (AZ)

Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

Equifax has been non-compliant with removing the unverified accounts ( XXXX XXXX, XXXX   XXXX ) which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that ( account name ) was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.