davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Two companies accessed my credit report without my authorization. The following inquiries were not authorized by me : XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XX/XX/2020
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (WI)

Naviant keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
Consumer complaint received 2018-04-05
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 am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for XXXX XXXX. I spoke with XXXX XXXX and sent them the police report. They said I would also need to send a copy of the police report to the company that now owns the debt. I have now attached a copy of the police report through the CFPB portal.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Two ( 2 ) letters of Tenure were sent to Bank of America XXXX XXXX Mail with a Certified copy sent to CEO of Bank of America, along with the Power of Attorney for the Estate. 

1st letter Letter of Claim 2nd letter Opportunity to Cue Another letter of tenure has been prepared for submission today due to the deactivation of all ( 3 ) credit cards accounts for breach of contract and default of fiduciary duties. 

A complaint was sent to the Office of the Comptroller of the Currency. ( XXXX XXXX XXXX. XXXX ). The OCC office referred this complaint to the CFPB. If no successful resolution is given ; the securities exchange commission is recommended for further resolution. 

All accounts are up to date in payments ; no late or missed payments per account ( s ) history.
Consumer complaint received 2021-07-08
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. (IL)

I recently received a copy of my Experian credit report an it showed alot of inaccurate information specifically a bankruptcy. Sent letter to request method of verification received by Experian on XX/XX/21 with NO RESPONSE. Sent 2nd request for Method of verification received XX/XX/21 by Experian and on XX/XX/21 they replied with file # XXXX that the bankruptcy was certified as accurate by XXXX and certified as accurate again XX/XX/21 with file # XXXX. Appalled by this information I went directly to XXXX to verify the bankruptcy in there files and on XX/XX/21 the bankruptcy was deleted and removed from there files because it couldn't be verified. I sent the results of investigation to Experian stating there is no bankruptcy on XXXX files and they must also remove this inaccurate information from there file. Experian received the request to remove the bankruptcy along with a copy of the results from XXXX on XX/XX/21 and on XX/XX/21 file # XXXX and XX/XX/21 file # XXXX referencing the bankruptcy still on there file and it remains unchanged. Either Experian lied about verifying the bankruptcy or never sent the request to verify the validity of bankruptcy on there file. The bankruptcy was removed from XXXX file as of XX/XX/21. How can any report after that date still be referencing the bankruptcy on there files.
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp. (TN)

On XX/XX/XXXX and XX/XX/XXXX of 2021 I requested for validation and additional information to validate this debt, each time documents came back to my address saying that the address was incorrect. Could not find a valid address this is the only address that's on the letters that was seen and several others but was unsure if it was related to United Auto Credit. I would like for the requested information to be sent to me to validate this debt. Please see the attached documentation below. If this debt can not be properly validated then it needs to be removed from my credit profile immediately.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Since Tuesday night my complaints escalated to a supervisor on this morning XXXX then appeared XXXX lied that I did not have a claim after Tuesday night around XXXX XXXX indicated I had a claim that would take 45 days to resolve and transferred me to claims which was closed. 

I talk to XXXX around XXXX today whom were very rude that I did not have a claim and hung up the phone in my face said she were in XXXX  XXXX. I then requested an supervisor to address both issues and XXXX said she are in Texas. I believe she lied when she said I did not have an claim on my unemployment ending XXXX. 

Fraud confirmation no. XXXX Fraud Services Department XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Lexis Nexis is providing inaccurate information to XXXX  XXXX, and XXXX. Additionally, they are in violation of of 15 USC 1681 a ( 4 ) my consumers right to privacy. I have already spoken with the courthouses regarding my bankruptcy that was filed, and I know what they did not provide Lexis Nexis this information as they stated that they don't report information to anyone.Lexis Nexis illegally obtained my personal information in order to report to the three main bureaus. I demand this bankruptcy be removed from my credit report.
Consumer complaint received 2018-10-08
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: Navient Solutions, LLC. (TX)

I have 8 student loans thats serviced by Navient. I have been living at the same address for the past 5 years and Navient never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed navient XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, Navient is wrong.
Consumer complaint received 2022-02-03
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with {$1000.00} still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.
Consumer complaint received 2020-01-30
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. (NC)

Attached are 6 counterfeit note report for each individual debt Please send to agency listed on each counterfeit note report.

Debt has already been paid in full Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.
Consumer complaint received 2023-04-07
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I paid {$500.00} to Amerisave on XX/XX/XX/XX/XXXXtowards an application to refinance my mortgage. 4 months later I have no idea when I might close with them. They didn't realize that I wanted to subordinate a HELOC, even though on numerous occasions I pointed out that the disclosure forms included closing costs of over 30,000 which didn't make sense, especially since I had just opened the HELOC and didn't want to close it. I have requested documents from Amerisave on XX/XX/XXXX so that the HELOC will be subordinated and my requests have been ignored. I then contacted my loan processor ( who has been responsive to my emails ) and customer service requesting a refund of the {$500.00} since they had not otherwise replied to me, and I have not received a response from customer service. I email customer service and the loan processor on XXXX, and again on XXXX but no response. The email on XXXX informed the loan processor and customer service that I intended to make a complaint to the CFPB. I waited 2 days before filing this complaint but have not heard from Amerisave.
Consumer complaint received 2022-02-03
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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. (PA)

EQUIFAX was contacted on XX/XX/2021 on behalf of reporting inaccurate inquiries on credit file. Also EQUIFAX could not verify that the consumer gave permission to report on credit file violating rights under 15 USC 1681b.
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I and my Husband had a fraudulent loan with Capital one for a car ( XXXX XXXX XXXX ) that was sold to me as a lemon. The car had a previous warranty due to a recall that was not disclosed unto me A couple of years later the vehicle became disable due to a bad transmission that was part of the manufactured warranty that dealer did not inform me of.The car was repossessed and a balance of XXXX was remaining ( unbelievable ). I received a correspondence from XXXX ( collection Agency ) and they offered me a settlement of XXXX dollars to close the account, however Capital one is reporting on my credit a different balance and is not reporting this agreement. My credit is suffering tremendously. As Capital have been reporting that I have been late I have reached out to them several time and also the credit bureaus to remove this erroneous information but have not received a resolution. I feel that I should not be liable foe this balance as this was a fraudulent loan that had pre existing conditions that I was unaware of
Consumer complaint received 2023-04-06
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020. I went to XXXX XXXX to check if i could be approved for a loan. I made sure to make clear that my credit would be ran through only once for the indicated loan. My credit was ran a total of six times. The Inquiries go as follow, XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX  XXXX, XXXX/XXXX  XXXX. As a result of these inquiries my credit score decreased a total of 40 points. I only gave authorization for one credit check and the rest were done without my consent.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-06-10
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. (CA)

I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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 2021-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Select Portfolio Services is my Morgage company. 
When covid hit, my 3 hair salons were shut down taking my family income to zero. I called SPS and they offered 3 months deferment, said we will figure this out. After those 90 days I received a bill that all the differed payments and current month was due. I called and said I could not pay all that now can we put on back end, no. SPS told me not to worry applied for Morgage assistance that I was a great canidate. I said ok and applied and got all the required documents in asap. SPS would come back weekly asking for more documents, usually something I add already given them or explained. They asked me 10 times how much of the company I owed, I had written it on p & l and documents and it's on tax return 9 times before that. It felt, they were trying to push it out till I was so far under water that I could not pay the back Morgage if the modification was denied. I was finally totally reviewed and was denied for modification or repayment last week. I did an appeal it was denied with in 24 hours, saying this account is not available for appeal on modification. My loam is not owned by fredimac of frannymay, it is a private investor who says no. I don't feel SPS worked on my modification in good faith.
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

My bank did a reversal for a {$34000.00} transfer to my Coinbase account. My account balance went from {$53000.00} to {$6700.00}. I messaged Coinbase supposed multiple times and no one can give me a reason for the {$46000.00} decrease. They havent offered me a refund or any type of solution to the problem. Ive been missing my {$19000.00} since XX/XX/2021.