davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express closed eight of my personal and small business credit and charge cards with no notice. I was a card member for almost 10 years and never missed a payment, etc. No notice nor reason for the shutdown was given and they are not letting me talk with anyone on the phone. Additionally, no refund has been offered for the annual fees I paid for these cards, some as high as {$590.00} per year.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I, XXXX XXXX, natural person and consumer have been the victim of identity theft. LVNV Funding obtained my information illegally from XXXX XXXX XXXX. There is no contract with my written signature on it that says I am obligated to pay LVNV Funding LLC. Under 15 USC 1692g ( FDCPA ), I have the right to request validation of the debt. Cease and desist and debt validation letters were mailed to LVNV Funding LLC on XX/XX/2021, by way of green return receipt. LVNV Funding LLC has failed to provide debt validation as of today, XX/XX/2021. LNVN Funding LLC is still reporting unverified information to the credit bureaus which constitutes fraud. LVNV Funding LLC has also violated the following codes shown in attached documents : 15 USC 1692b 15 USC 1692c ( b ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692b ( 5 ) 15 USC 1692e ( 14 ) 15 USC 1692e ( 11 )
Consumer complaint received 2019-06-05
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. (VA)

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-26
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. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2018-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Creekside Finance, Inc. (NC)

Went to XXXX XXXX XXXX XXXX in XXXX, NC to purchase a Motorcycle, Sales Manager XXXX XXXX approached me, I told him I was interested in purchasing a Motorcycle, after I picked one out I wanted he suggested I go see his good buddy XXXX XXXX XXXX at Creekside Finance he guaranteed me that XXXX would get me approved for a loan. 

So I proceeded to Creekside Finance in XXXX, NC and spoke with XXXX XXXX, he said as long as I put down {$1000.00} he would approve me, so I gave he the {$1000.00} down, so XXXX XXXX XXXX started the financial paperwork, he said I'll have you out of here and riding in less than an hour. After reviewing the paperwork, I disagreed with XXXX on the credit, life, and other insurance he had on the paperwork, XXXX told me that it's a requirement from Creekside Finance, he said if I disagree with the forced place insurance, Creekside will not finance the motorcycle. 

I wanted the motorcycle, but didn't want the forced placed insurance premiums that was added, since I would have full coverage. Again this was forced placed insurances. I refinance this loan, at which time XXXX again forced placed the insurance, I also disagreed with the late payment fees, NC Law states finance companies can not charge late fees unless you're at least 15-days late. 

Also XXXX XXXX XXXX was just arrested on XX/XX/2018 for embezzlement of {$200000.00} from Creekside, XXXX XXXX was also charged, Creekside Finance never let me or any other customers know about this, XXXX XXXX was the loan officer in charge over all motorcycle loans, along with other loans. 

The truth in lending act was violated on this loan as well, the monthly amount due each month is more than it should be, and the interest rate 28.56. 
Please see all documents provided. 

Also Creekside Finance has two liens against the title, which is illegal, you will see this in the information provided, the {$1000.00} down payment wasn't added to the financial document, another violation under the truth in lending act. 
When I refinanced the loan, the amount previously paid wasn't considered or listed on the new financial documents. 

The forced placed insurance needs to be refunded.
Consumer complaint received 2017-12-15
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. (FL)

I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (MO)

Equifax is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF XXXX XXXX XXXX US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not the borrower XXXX XXXX Account # XXXX Account holder not the borrower XXXX # XXXX Account holder not the borrower XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-11-17
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: LEXISNEXIS (PA)

There is a debtor on my Lexis-nexis report that belongs to my dad. We have the same name. 
" Debtor 3 XXXX XXXX XXXX XXXX '' Also I have no idea what Creditor 1 " XXXX XXXX '' is
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (LA)

This company, AD ASTRA RECOVERY which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$400.00} with a credit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt. 
I would like the business remove the negative report against my SSN at any credit reporting agency, In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly, they agree to remove my personal information from all accounts in the companies database.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

I applied for a bank account with HSBC using a promotional link on XX/XX/XXXX. The bank is claiming that I did not sign up via this promotional link and they are unwilling to pay my bank bonus, even though I have met all the requirements. This is common for this bank in particular. The link I applied via is listed below, and I have screenshots and a print out of the offer. 

XXXX XXXX XXXX
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was never late paying my auto loan. XXXX and Experian wont cooperate when I asked them how they came up stating the account is verified. CFPB amp up and do something to remove XXXX XXXX   XXXX
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, Experian and XXXX to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested XXXX, XXXX and Transunion to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Continental Finance Company, LLC (SC)

Continental Finance/ XXXX XXXX is attempting to benefit from my credit card which by law is my social security card. I used it to originate this consumer credit transaction on my open end credit plan. Not only that Continental Finance is denying me credit just for exercising my rights to extend myself credit and defer debts. In the initial communication I had never received the 5 things by law that are required to validate a debt. I have sent Continental Finance a affidavit making them aware of their violations.
Consumer complaint received 2021-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (MS)

On XX/XX/2021 my payment went from XXXX to XXXX. I have contacted my Mortgage Company twice a month since then which includes XXXX Payment, XXXX Payment and XXXX Payment. My loan was transferred from IberbiaBank Mortgage to First Horizon Bank Mortgage. The issue is my Escrow more specifically Taxes and Insurances. My insurance hasn't changed and my taxes has went down being that I applied homestead. My yearly taxes are XXXX a year or XXXX a month and my insurance is XXXX per year or XXXX per month. This monthly should total XXXX going into Escrow. This doesn't include PMI however. My escrow in XXXX was XXXX and in XXXX it went to XXXX. Thats a difference in XXXX that they are charging me for. I have attempted 8 different times to work with them. I have talked to 3 different Supervisors and 5 different customer service representatives. Every month I get the same answer ... '' We will submit an escrow analysis '' and every month the payment still hasn't changed. The most recent conversation was they promised XXXX payment would reflect the updated payment and it still hasn't. I NEED HELP. This is negligence and should be considered serious.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I am requesting a pay-off statement of the TOTAL amount due as of XX/XX/XXXX I am not sure if it matters the the statement you sent is referring to XXXX XXXX XXXX XXXX NY. The correct address is XXXX XXXX XXXX XXXX, N.J. Please provide a full and complete pay-off statement with all the transactions leading up to XX/XX/XXXX I am attaching some of the checks that were paid to this mortgage and need to seen the deductions. I get the feeling that the buyer finds out that their is no financial activity going back to the original XXXX purchase XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mortgage and the buyers senses something is wrong then declines making it next to impossible to sell the property. Right now XXXX XXXX XXXX XXXX  who acquired XXXX XXXX XXXX XXXX has no financial history on the property at all. Records show the mortgage was NOT filed. In addition XXXX XXXX XXXX has produced no release of the lien or discharge record. I contacted XXXX title and they requested my copy of the title policy that doesn't come anywhere near the deed location. 
I have requested XXXX XXXX XXXX XXXXrward me a copy of any financial record paid to XXXX for the mortgage and they have not produce anything that proves that they paid for the mortgage in the first place. 
Please correct the property address and send me an electronic copy of the complete pay-off statement from the very beginning using the pay-off date as XX/XX/XXXX PLEASE TAKE A LOOK AT THE ATTACHED MIN INFORMATION AND THE DATES ....
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Midwest Finance Corporation (TX)

XX/XX/18 not first time either. They come to my house honk loud enough for my neighbors to hear it on both sides. I understand I owe them but I've tried talking to them and want a payment plus they're harassing my references.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

My loan was sold to Freedom Mortgage a few months ago. I was in the process of refinancing with a dedicated loan officer. During the process, I kept receiving automated calls and direct calls from other loan officers in the same company trying to lower my rate. I ended up cancelling the transaction because I got tired of them calling me. They told me the calls would stop but they continue. Most recently, I escalated to a manager. She started arguing with me on why I should refinance when I simply just wanted them to stop calling me.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Hello I had a charge on my file for XXXX XXXXXXXX as the original creditor on or around XXXX of XXXX. That was taken off of my credit file after disputing. 1 month later my credit file updated to a portfolio recovery as the debt collector and change the name of the original creditor from XXXX XXXX to XXXX XXXX XXXX. So it no longer shows XXXX  XXXX but XXXX XXXX  on my credit file. I have sent out several disputes letter to all 3 credit bureaus and portfolio recovery as well asking for original sign agreements that I supposedly have with them or XXXX  XXXX. They only sent out account balance sheet from XXXX XXXX. But hasn't sent me or the credit bureau proof of legal sign agreement with XXXX or portfolio recovery. Can you please investigate this issue and have them to send ORIGINAL SIGN DOCUMENTATION FOR AGREEMENT that I legally owe portfolio recovery or XXXX  XXXX.
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Concord Servicing Corporation (NC)

My HVAC loan was transferred to Concord Servicing Corporation. I paid off the loan with XXXX electronic bank transfer checks on the same day with the same account # 's and same address. I was only credited with the first check. Subsequently, I started receiving calls and bills demanding immediate payment ( I never received any statements because they had an incorrect address listed ). I told them over and over again that this debt had been paid off. They demanded proof. I sent them my credit card statements. They said that was not sufficient ; they demanded a cancelled check which there wasn't one since it was an electronic check. The original checks were sent in XXXX and cashed XX/XX/XXXX. My credit score dropped XXXX points. They refused to talk to my bank XXXX XXXX XXXXXXXX XXXX XXXX so I finally got a copy of the cancelled electronic transfer check which I sent to them. Still they did not clear my account nor did they contact the credit bureaus to clear off my record. My business was denied a credit card because of this ; it has been an embarrassment to me because I pay my bills early and this has damaged my reputation. I contacted the XXXX XXXX XXXX and filed a complaint with them ; the company replied saying they finally " found '' my payment, were re-amortizing my loan and would take off any late payment fees. They would then figure out what the accrued interest that I still owed was and then send me a letter stating what that was. All I got was 2 more letters demanding payment. No apology has been offered. They also said they will notify the credit bureau the next time they run their files which won't be until XX/XX/XXXX but they certainly were quick to notify the credit bureaus that I was " seriously delinquent '' back in XXXX. I demand that this be fixed immediately, that I get an apology and that they close my account. No further payment will be forthcoming from me. They need to be fined for gross negligence.
Consumer complaint received 2018-12-05
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. (OR)

There was nothing to explain further. I have been sending letters to Experian and XXXX for months now and I have repeated myself over and over again. CFPB amp up and delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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: CITIBANK, N.A. (HI)

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, THD/CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation (TN)

I got a loan through one main financial around XXXX or XXXX. I was unable to pay it back in full and it did become deliquent, but it now shows in my credit report that I have multiple accounts through them with different amounts. It makes it appear that I have 6 or 7 different loans with them. Also it says my last payment was in XXXX and I'm sure it was in XXXX or XXXX. I am now paying this loan off and have an agreement that it will be paid off through a debt collector by XXXX of this year!