davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.
Consumer complaint received 2022-08-10
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. (CT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX5 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 2018-01-25
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: AMERICAN HONDA FINANCE CORP (CA)

Collection Accounts : XXXX XXXX XXXX, acct : XXXX Auto repossession ; Auto Lease Date Reported : XXXX Date Opened : XXXX Credit Limit {$14000.00} Balance : {$20000.00} I Request the method of verification and ask for the following : The name of the original creditor The address and phone number of the original creditor The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify This information reporting with all bureaus is incorrect/ this account does not belong under my name and I have never had an Auto repossession.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I mailed letters to XXXX, TransUnion, and XXXX via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-06
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. (SC)

For over a year I have informed transunion that I should not have a suffix of XXXX. I am not a male. I have contacted transunion multiple times. Yet the issue has not been resolved. Thanks so much. I have put you on notice and reporting this to consumer financial protection as you have failed to correct your error. I have reported this to the executive of transunion team with no response XXXX XXXX
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Had a dispute with Sears credit about a delinquent account when I closed the account and had pay off balance months prior. They claimed it was open when, in fact, it was closed. Its the only thing that could affect my score. Since the. My score dropped over 100 points.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I received a collection notice from ResidentCollect, Inc., in the amount of of {$380.00} in XXXX of XXXX. I sent a money order in the amount of {$380.00} soon after receiving the letter to pay the debt. In XXXX of XXXX I tried to obtain a mortgage loan from XXXX XXXX and got pre-approved but the collection debt is showing on my credit report, and the bank said the loan is not going to be released until the derogatory mark gets removed from my credit report. That same month a requested a copy of the cashed money order from XXXX XXXX and I received the proof that the money order was cashed 30 days later, and I sent it to ResidentCollect. I called them a couple of days later to follow up on the issue, and they said they did n't receive the proof of payment. I have tried several times to work with ResidentCollect to resolve the issue, but it seems like they are unwilling to do it. I 'm frustrated because they have my money and they are damaging my credit. Someone needs to stop this!
Consumer complaint received 2018-01-25
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: Avant Credit Corporation (MN)

I received a letter from Avant that indicated throughout that I was pre-approved for a loan.There was no indication that their application would require a hard request on my credit or that it would make a difference if there was. They made that request and denied my application. If I can not get that loan based on the information I was given, I want that request removed from my credit report.
Consumer complaint received 2019-05-14
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. (NV)

My name is XXXX XXXX and I am a victim of identity theft. There are so many inquiries all of my credit reports. The vast majority of them do not belong to me. Please remove as soon as possible so that I am able to keep good credit. I've worked extremely hard to restore it, and I will let nothing get in the way of that.
Consumer complaint received 2022-02-20
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. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-01-05
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. (PA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax 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 XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

NATIONWIDE CREDIT , INC is a collection agency that works for XXXX. Nationwide is claiming I owe {$25.00} for an unpaid balance at XXXX. I have contacted XXXX customer service 3 times attempting to find out what this debt is, they have told me all 3 times my balance is {$0.00}. THERE IS NO DEBT!!!!!!!! 

My credit history is in jeopardy from NATIONWIDE CREDIT , INC for a debt I don't owe. 

NATIONWIDE CREDIT , INC XXXX XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

The lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The client was approved for a loan modification and made his trial pmts - the lender removed the file from an approved mod status stating he did not provide the death certificate in time for the modification to be completed - then set a sale date on the property.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

Hello, I am currently a Lender who borrowed from Navient and Fed Student Loan Program. I currently owe {$60000.00} total to Navient.  I am making my monthly payments, struggling even with  XXXX  out of the  XXXX  loans put on Interest only repayment. I pay each month {$110.00} in the beginning and {$230.00} in the middle since  XXXX   XXXX . The {$110.00} is interest on ly ( only  relief plan I was offered ) and the {$230.00} is full repayment ( I assumed partly principal/interest. ) I have noticed a couple of times almost the entire payment of {$230.00} is applied to the interest only. I just made a payment  XX/XX/XXXX , the principal amount applied was {$5.00} and the interest amount was {$220.00}. I noticed another time  XX/XX/XXXX   XXXX  was applied to the principal while the other {$230.00} was applied to the interest. I have not contacted the company but I feel like I am constantly being taking advantage of.     In  XXXX   XXXX  they convinced me that one way to lower my monthly payments was to consolidate all my student loans t o Navient (   XXXX   XXXX  at the time ). I did not understand the process or anything involved and followed they 're advice. Unaware until after the process was done, my interest rates went from 2.330 % with  XXXX   XXXX   XXXX  to 5.375 %. Over the phone they worked out the percentages and provided me information on how this would lower my monthly payments and was the best option. In reality it only increased the interest and did nothing to change the monthly payments.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CA)

I have paid my student loans on-time, every month and have started making excess payments each month with plans to make several lump sum payments this year. I contacted Great Lakes to better understand how my payments are being applied since I make excess payments larger than the amount being applied to my principal balance. It turns out they are not applying my extra payments to the principal, which is compete scam!! Instead, they apply any extra payments to the following month 's payment, never reducing my principal balance. 

I have emailed them several times to request the payments be applied to principal only to receive the same script of how to apply payments to certain loans ( not the principal ). In addition, I have requested a spreadsheet of hypothetical scenario of me making a lump sum payment, so I could determine my options and they still have not provided this example, only the same repetitive script. 

Great Lakes does n't make it very clear how the excess payments are being applied. If the extra payments are not applied to the principal, it does n't make sense to pay extra on student loans until you save enough to pay in full since your principal is not reduced and you could be earning 1 % interest or 5-8 % return elsewhere. 

This practice should be illegal -- -
Consumer complaint received 2022-01-06
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: Consolidated Information Services Solutions, LLC (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX  260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My local bank is XXXX XXXX which is merging with XXXX XXXX. I tried opening an account and my accounts was closed. I was explaining my issue with a gentleman name XXXX in the corporate division. I was told an account was opened in my name fraudulently in 2016 without my authorization. He told me there's nothing they was able to do. I was outraged and reached out to the Attorney General office. I being penalized for someone compromising my information. I will be sitting down with an attorney as well. I want whatever negative information to be removed out of my name immediately. My social is XXXX
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IA)

My son got behind on his payments with Wells Fargo Dealer Services and was trying to get caught up. My name is on the loan also and I helped him pay the fees when the vehicle was repossessed. Wells Fargo neglected to get the redemption hold papers to the repo company on time and the truck ended up at an auto auction lot out of state. Now they are paying to have the truck towed back to Iowa and I was told it would take up to 2 weeks to get the truck back. Today is the last day of the 2 weeks and nobody seems to know where the truck is and will not give me the name of the transport company who has the truck. Wells Fargo keeps telling me to call back tomorrow for more information. I call every day and they give me absolutely no information so why should I keep calling to get no information. I want to know where this vehicle is. The tow company that agreed to accept the vehicle and tow it to my home has been ignored on phone calls and emails and is getting very upset as well. I have a complaint with the office of the president with Wells Fargo but that is n't going very well either at this point.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LPSG (CO)

My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Consumer complaint received 2022-01-06
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: ALLY FINANCIAL INC. (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXXen ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.