davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2024 I was checking the tracking number of an order I was supposed to receive. My computer froze with a message reporting that the site was not a " secure '' site and to call XXXX at the listed telephone number. After long conversations I was convinced that I was talking to a representative of my bank ( USAA Federal Savings Bank ). This representative told me that on several occasions 2 companies had tried to hack into my savings account and it was USAA 's recommendation that I create a " dummy account '' for wire transfer. The company was XXXX XXXX in XXXX. When it was determined that my account was safe the {$12000.00} would be transferred back into my savings. 

After longer conversations, I realized that I was in-fact talking with the hackers. I immediately called USAA and reported it. The agent I spoke with tried to put a stop on the transfer but it was too late. USAA said it would take 7-10 days to finish their investigation. 

A few days later, while talking with an FBI agent from XXXX XXXX XXXX XXXX XXXX, I realized that USAA had not requested any information from me that may have resulted in getting my {$12000.00} back. I have names, telephone numbers ( the address from the company that I placed my order with- which was a series of numbers that I did a " reverse look up '' on and found out that it was in-fact the phone number for a legitimate company in XXXX  ) XXXX The same area where the dummy account that USAA suggested I open was located. The company was " dump truck salvage '' company, no longer in business. 

Can you please help me get this money back? I am a XXXX XXXX XXXX woman who has to wake up at XXXX in the morning to go to work. I have to work full time and was hoping to go part-time after a XXXX XXXX XXXX that I am having on XX/XX/XXXX.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I recently traded in my XXXX XXXX for {$10000.00}, and financed for a {$25000.00} XXXX XXXX XXXX. The finance manager financed for {$22000.00} and added unauthorized GAP and protection package. The lender stated that on their end it looks like I did not put down a deposit for the car at all. I called the finance manager almost daily and left messages requesting the added packages be cancelled, and to discuss why the loan amount was so high. He never returned my calls until I threatened legal action via small claims. He finally sent the cancellation paperwork for me to sign, but never sent any follow up or confirmation. He refused to discuss the loan amount and laughed when I said I have rights. He spoke to me in a very patronizing way while attempting to further manipulate me into a deal I did not want. While handling my paperwork he " disclosed '' that his mother passed away the week before. This is a tactic used to distract and manipulate. He also asked me to meet up for coffee the next day to " finish up paperwork ''. When I finally got in touch with him, after over a month of attempts, he stated that he had been on vacation because of his mothers death. Excuses and manipulation to avoid accountability and responsibility. 

The XXXX was also sold to me with a bad battery that I had to replace out of pocket a month to the day I bought the XXXX. The battery was over 5 years old and the dealership just changed the sticker on it. The dealership put in writing that they would refund the cost and have yet to do so. When I call, the sales team members refuse to transfer me to the manager and they are often very aggressive and rude.
Consumer complaint received 2020-12-17
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: TD BANK US HOLDING COMPANY (FL)

Fraudelent credit card account was opened by TDBank XX/XX/2020 under my name with different email address and phone number. In applying to refinance a past due account I found this on my credit reports. I have no knowledge of this account. I have filed complaints with credit bureaus and TDBank.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Card Receivables Fund Incorporated (MA)

I contacted Unifund XXXX also that day the guy states they would never talk to you like that but I noticed the number it was someone from their office as well that I contacted office on XX/XX/year> and asked question and person listed above made verbal threats and verbally assulted me for no apparent reason. I did call back and tell " office manager " and she sated lines are recorded. I did reach out to lawyer and XXXX XXXX
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I reached out to XXXX, Transunion, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX  XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.
Consumer complaint received 2020-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

This is a two part compliant. 
One ; during the shutdown, Freedom Mortgage, CEO & President sent out an email advising me that due to the pandemic any late fees incurred during said month would be waived. However, none of these have been waived. 
The only income my husband & I receive is from his employment & my business. Well as you know, 2020 has been a year of lack. So during the shutdown, we did not receive any income what so ever. For 6 weeks we had XXXX money coming in. Unemployment finally came but not until sometime in XXXX & we are still waiting on the remaining. And this was only to supplement my husbands income. We still had to pay our Business Bills on top of our home. 
We also did not receive the " Stimulus '' money like everyone else. We didn't get it until a few weeks ago. So a Hardship is defiantly an understatement. 
I have called many times & requested these late fees be removed as I was told they would before they were incurred. 
Still No One Ever Removes them. 
TWO- Freedom Mortgage did an escrow analysis in XX/XX/2020, using incorrect numbers. This caused a great increase in my mortgage payment. I called and argued many times. I explained they were using figures based on homeowners insurance I no longer had ( I got a cheaper rate ) & Taxes that had been appealed. 
Freedom Would Not budge. So I waited until after they paid my HOI & Taxes, having a very substantial amount left in my escrow, I called them again, & Requested YET another escrow analysis. I stressed that I need this money, I am struggling to keep my business going & my home. I was advised it would be available in 10 days -2 weeks. Well no one ever contacted me, and today when I called, I was advised I would not be given the analysis, " Just Because ''. Nearly {$1000.00} in my escrow account, MY MONEY, I need it & they will not give it back. There is no reason to keep OVERCHARGING me, when I am struggling. I don't want to refinance my home. I want my money, I want you to stop overcharging me. I want you to pay me interest on my money, just like you charge me. 

Freedom Mortgage is not honoring what they say.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

In accordance with the Fair Debt Collection Practices Act, this reporting agency has violated my rights. Under 15 U.S.C. 1681 ] section 602 states that I have a right to privacy. 15 U.S. Code 1681s2 also states that a consumer reporting agency can not furnish an account without my written instructions. I did not give this organization written authorization to collect or share my personal information with any 3rd party. Also, In XXXX I filed a credit freeze which they still have been able to share information about that is also false. I recently requested a report of all the information collected by them in XXXX and have yet to receive it. I requested another freeze in XX/XX/XXXX and a copy of my report and still have not received the requested information.
Consumer complaint received 2021-11-12
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. (TX)

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2021-11-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DE)

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-06-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Payment for Defamation of Character Dear TransUnion Consumer Relations, I am writing to address not only the mishandling of my original complaint : XXXX but also the detrimental impact it has had on my reputation due to the inaccurate information on my credit report. The false reporting has resulted in significant harm to my character, and I demand proper compensation for this act of defamation. 

Despite my sincere efforts to dispute the inaccuracies in my credit report, the previous resolution process fell short, failing to rectify the situation effectively. As a result, my credibility and financial standing have been unjustly tarnished, causing distress and potentially affecting my ability to secure loans, housing, and employment opportunities. 

Given the severity of the situation, I demand immediate action to remove the false information from my credit report and provide written confirmation of its removal. Furthermore, I expect appropriate compensation for the damage caused to my character, in accordance with applicable laws and regulations governing defamation of character. 

I kindly request that you address this matter with the utmost urgency. Failure to comply with this demand for payment and resolution may result in further legal action to protect my rights and seek proper redress. 

I expect a prompt response from your organization, acknowledging receipt of this letter and outlining the steps you will take to rectify the situation. Your cooperation and adherence to the legal standards of credit reporting are crucial in resolving this matter amicably. 

Thank you for your immediate attention to this serious issue. I anticipate a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-12
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

As a result of fraud, multiple attempts to open credit cards in my name where attempted. One card, Bank of America was successfully opened, acct # XXXX XXXX XXXX XXXX the others where halted during the application processes. 
BOA has closed this account as fraud but this credit inquiry still remains as valid on my XXXX report. 
Once I was altered to this fraudulent activity, I immediately contacted all of the credit card companies involved and reported these as fraud. 
As recommended I also contacted all three credit reporting companies in writing to report this activity as fraud. 
As stated the only remaining issue is the BOA account ( listed above ) is still shown on my XXXX credit report as valid. I have contacted them and they directed me to the FTC site to report it as fraud which sent me here. Once this is formally reported as fraud I will send them the documents provided by this report for them to review and hopefully remove this activity from my report.
Consumer complaint received 2022-05-19
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX,,, XXXX  XXXX XXXX,,XXXX XXXX  XXXX XXXX 

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 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2021-11-12
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: Experian Information Solutions Inc. (NC)

Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Experian for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Experian now refuses to re-investigate this earlier " verified '' that they were provided this information by 3rd Part vendor XXXX XXXX even though I have provided proof in writing on two ( now three ) occasions that their reporting is incorrect and inaccurate, and they are using an excuse to not remove it. I included with both complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. Therefore, that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Experian refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition, on XXXX I obtained my complete 102-page XXXX XXXX report. In that report it clearly shows NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( and have attached a copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition, I also disputed this same case on the same grounds with XXXX and in their investigation, they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Experian should have also done.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (CA)

I don't recall having a contractual relationship with this collection company CREDIT CORP SOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$7800.00} XXXX XXXX {$1000.00} XXXX {$3900.00}
Consumer complaint received 2021-11-12
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. (TX)

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX XXXX XXXX  of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX