davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CHALLENGE FINANCIAL SERVICES (CA)

On XX/XX/XXXX traded my old vehicle to purchase a used vehicle. The traded vehicle was financed by Challenge Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder Challenge Financial. The contact person at Challenge Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. 
XXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX. He provided XXXX XXXX, Financial Director at XXXX XXXX XXXX, with an address in XXXX, which delayed receipt of the payoff. Meanwhile Challenge Financial on XX/XX/XXXX,  deducted {$260.00} from my account and received the payoff on XX/XX/XXXX. XXXX XXXX of Challenge Financial continued to lie and say they had not received the payoff as late has XX/XX/XXXX. The tracking number ( XXXX ) from XXXX showed that they had received the payoff in XXXX, California on XX/XX/XXXX. Please keep in mind XXXX had sent the payoff the first time, on or around XX/XX/XXXX to XXXX, California and it was returned and they were forced to get the correct information from another source. This maneuver allowed Challenge Financial to take {$260.00} out of my account and receive the payoff amount as well. 
I have sent a demand letter requesting a refund of the {$260.00} as well as insisting that the payoff be reported to XXXX, XXXX and XXXX credit reporting agencies. 
This behavior is INTENTIONAL FRAUD and THEFT.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (FL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/202XXXX XXXX XXXX {$7500.00} / XX/XX/2021
Consumer complaint received 2018-02-13
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. (MO)

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, South Carolina is a Predatory Lender. I purchased used car a XXXX XXXX XXXX for {$9000.00} with cash payment down of {$2000.00} making the financing by XXXX XXXX XXXX for {$7000.00}. 

Due to Financial Difficulties I did a Voluntary Surrender of the car back to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX took a {$7000.00} car and sold it for {$2000.00} at an Auction and billed me for the balance of {$5000.00} now on this date of XX/XX/XXXX the {$5000.00} balance has grown to {$5900.00}. 

I want an Investigation Into the Criminal Fraudulent Activities of XXXX XXXX XXXX in trying to Collect Double what the car was financed. 

Selling a {$7000.00} car for {$2000.00} was a giveaway and XXXX XXXX XXXX didnt try to collect the Market XXXX XXXX Value of the Car. 

Waiting for your reply. XXXX XXXX XXXX should not be In business. Right at this point they are in the Business of Predatory Lending and Cheating their Customers. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (TX)

I recently sent a letter to Experian to dispute inaccuracies on my credit report. I have yet to get a response from them. I just got my report that i decided to order and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate information. Every step must taken to be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : *Pay off Disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance 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 ( reporting incorrect balance ) I respectfully ask you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also heard that under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXXXXXX XXXX {$0.00} / XX/XX/2020
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I get my FICO credit score as a monthly benefit of my XXXX/XXXX  VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to XXXX have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from XXXX. I've asked to speak to supervisors, but none will do that. Several have told me to contact Equifax, which I have done. Equifax tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to XXXX, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.
Consumer complaint received 2020-06-04
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2023-01-18
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items
Consumer complaint received 2023-03-14
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: Onity Group Inc. (PA)

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. PHH MORTGAGE SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Please delete this account properly thank you. 


PHH MORTGAGE SERVICES {$430000.00} Balance updated XX/XX/XXXX Account info Account name PHH MORTGAGE SERVICES Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AE)

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally opting out of all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802. For Account : XXXX and for Account XXXX, XXXX XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs ( Credit Reporting Agencies ) to which they have not provided documentary proof the CRAs are affiliated with the bank in any way to require my non-public information be sent to them without my authorization. Lack of authorization from me the consumer XXXX XXXX XXXX is a violation of my federally protected rights. According to their privacy policy it states as part of everyday business purposes as the consumer I can not limit sharing. If this is the case, why is 15 usc 6802 in place? The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Consumer complaint received 2022-05-01
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 XXXXXXXX XXXX account # XXXX & account # XXXX FXXXX XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX & XXXX & XXXX has violated my rights. 

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
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF ED/GS Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XXXX XXXX and XX/XX/2019 this debt was disputed through XXXX, XXXX, and XXXX. The company was also mailed a written letter asking to vaildate the debt with proper documentation and proof. Instead, the company continue to report the debt as unpaid to the credit bureaus. I received a credit card statement from this company in XX/XX/2019 which does not constitute as proper documentation that I owe this debt. The company has failed to provide me accurate proof. Instead I was sent some bogus charges on a piece of paper that was not accurate. I will continue to dispute this debt until the company can provide me the proper documentation required by law. They continue to report this debt to my reports causing serious damage without attempting to collect this debt in writing or by phone prior to reporting.
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

XX/XX/XXXX : Wired {$4000.00} to Coinbase , Inc . 
XX/XX/XXXX-XX/XX/XXXX : Communication with XXXX XXXX. They confirmed wire transfer clearing. 
XX/XX/XXXX: Opened Ticket on Coinbase 's system.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (RI)

TransUnion is been reporting an inquiry by Miscellaneous and public record XXXX XXXX on XXXX. I have c no business with this company neither authorized them to run my credit.
Consumer complaint received 2023-01-18
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. (NY)

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at XXXX XXXX XXXX. I have never purchased anything from them either online or in the store. I called the company to see what was going on. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! I disputed the charges on that day. XXXX and XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from XXXX and XXXX in the mail at my house! That means this fraud person knows my home address!! Also on XX/XX/2022 I called Equifax & spoke to XXXX and XXXX and explained the situation, they said they would dispute the charges. I also put a total credit hold on ALL my credit. Now fast forward a few weeks and XXXX XXXX XXXX is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. Equifax agreed with them and said I am responsible for this $ XXXX credit card! This is questionable business practices. I asked to know HOW they came up with this conclusion, and they could not even tell me. Also I filed a police report with my local police and I can provide the police report upon request.
Consumer complaint received 2021-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

NEW COMPLAINT ON LOAN NUMBER XXXX WITH SLS THIS IS A QUALIFIED WRITTEN REQUEST THAT SLS PROVIDE PROOF OF OWNERSHIP. PLEASE SUPPORT CLAIM OF OWNERSHIP OR REQUEST TO SERVICE MORTGAGE. ALSO PROOF OF OWNERSHIP OF THE ASSIGNMENT OF RIGHTS TO SERVICE MY LOAN XXXX XXXX XXXX
Consumer complaint received 2018-02-16
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. (NY)

I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I checked credit in XXXX and XXXX of last year. I opted out of monthly report but it makes you put in credit card info just to see what is posted. I cancelled in XX/XX/XXXX after I seen a record of purchase. I cancelled again in XXXX XXXX. Then in XX/XX/XXXX I see a purchase of {$27.00} on XXXX XXXX after I cancelled on website. I dont take any action until XXXX and then they tell me that I dont have a account. I see the purchase in XX/XX/XXXX of XXXX. I have been charged every month XXXX. I got on phone and called to cancel. They finally sent email of cancellation but no refund of membership that I did not want or opted out of just to look into credit.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF ED/GS Account # XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my accounts.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC. (MO)

I submitted a Trustee to Trustee form from my new bank to my old HAS bank ( XXXX ) and they they mailed a check to my new XXXX bank ( Optum Financial ) on XXXX. XXXX is showing that the check was cashed on XX/XX/XXXX but Optum has been unable to find my funds and deposit them in my account. 

I contacted Optum in mid-XXXX asking where my XXXX funds were and they told me that it can take 6-8 weeks for a transfer to be completed and to wait until XXXX to see if the funds were deposited. I contacted them the week of XX/XX/XXXX because my funds were still not in my account and they told me that they would launch an inquiry. During this time I received the check number and amount as well as where it was mailed to from XXXX. Optum completed an inquiry and never contacted me to let me know that they could not find the check. I had to follow-up with Optum only to find out that they had closed the inquiry and could not find my funds. I double checked the mailing address, check #, check amount, and check clearing date with XXXX. XXXX was also able to send me a copy of the check. 

I reached back out to Optum on XX/XX/XXXX and told them that the check had been written to Optum Bank XXXX Optum Bank changed to Optum Financial so they are the same institution ) and the CSR so that it was not their problem and they would not launch another inquiry into where the check was because the check was written to the wrong institution, even though I had proof it was mailed to their XXXX XXXX and had been cashed. Their customer service has been wholly unhelpful and has most recently recommended I have a conference call with them and XXXX in order to find out where my money is even though they have clearly been sitting on it for XXXX months. XXXX told me that Optum has a history of cashing all checks they receive and putting them in a holding account until they determine where the funds should go. 

What I can't get over is that a financial institution does not have solid enough records to find a check based on the Financial Institution it was received from, the check number, and the amount the check was cashed for. This has been an altogether frustrating experience and I am still trying to determine where my funds are.