davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

XX/XX/XXXX XXXX recongnized some fraudulant activitiy on my checking account. I contacted the customer Service Line in regards to the wrong activitiy. They Stated that they handled all the fraudulant activitiy and that the Checking Account was positive in the amount of XXXX this was XX/XX/XXXX. Than the lady prceeded to inform me that the account was closed and that they would only be recieving deposits though. Until they got a noterized letter from me stating to close the account. I typed up an Offical Letter and sent all the staements marking all the fraudulant activity on the account. In the form of a Certified mail via USPS. XX/XX/2021, I called to follow up on this matter as My Bills were stacking up and I still had not recieved my money. The lady who always seams to answer my calls refused to let me talk to anyone else. I called the MAIN Branch directly and finally got some answers. They supposedly did not get the Noterized Certified letter statements. So I had to do it all again. This time I could not access my statements so everything was all done by memory to the best of my knowledge. I sent it via EMAIL. At no point have I ever recieved a call from them AT ALL. So i followed up on my email and yes It was recieved XX/XX/2021. Now well into XXXX, XX/XX/XXXX to be exact no one has yet contacted me. I have been witing for my XXXX and some change to be released to me for months. I NEED HELP. My car is up for reposession now cause I have not been released my money. Can you help me?
Consumer complaint received 2020-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (SC)

I had a change in income coming into the house and have been struggling just to pay rent and utilities so fell behind on some things and this one particular loan company had told a reference that if I did not contact them today that they would send a warrant for my arrest which is embarrassing and illegal and they should not be discussing my financial problems with someone else or threatening to have someone arrested due to non payment
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

On XX/XX/2020, I reached out via phone and email to AmeriHome Mortgage to inquire about loan payment processing. Specifically, I was inquiring why my loan payment has been applied at a higher amount to interest than what is outlined in the " Explanation of Amount Due '' for past 12 months? There is no explanation as to the reason on my monthly statement nor do I recall receiving any correspondence. I received the automatic reply from the institution but I have not received a phone call or resolution.
Consumer complaint received 2020-08-29
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: EQUIFAX, INC. (ID)

I have disputed information on my credit report. I have proof that numerous items are not valid, have incorrect information, are showing incorrectly, that are being reported incorrectly, the debt is not legal or valid, previously disputed items that have been acknowledged as removed by the bureau is still reporting on my account. 

The agencies refuse to remove properly disputed information that had been proven as not legal or valid.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

PayPal is claiming that I owe them {$2300.00} for a transaction with someone named XXXX XXXX. They say that Mr. XXXX payed money to them which they deposited in my bank. Mr. XXXX wasn't satisfied with the transaction so they refunded his money and they now want the money that they deposited in my account back. 
The problem is that I didn't have a transaction with Mr. XXXX or anyone else and the money was not deposited in my account. On further investigation it turns out that they deposited it to a Visa debit card that isn't mine. I have suggested that they recover the money from the same debit card they deposited it to but they say they can't. 
It seems clear to me that the account was hacked and the debit card belongs to the scammer. Probably XXXX XXXX, if that is his real name. The deal was supposedly on XXXX XXXX and he had complained and got his refund by the XXXX. That's a little fast for a legitimate transaction. PayPal should be able to figure this out too, but I'm sure they feel that it will be easier to extort the money out of me than to get it back from the scammer.
Consumer complaint received 2024-02-21
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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.
Consumer complaint received 2020-11-16
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. (UT)

I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.
Consumer complaint received 2020-11-16
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. (UT)

I have been disputing items on my credit report with all 3 of the bureaus and NONE of them have responded to me. I sent letters as far back as XXXX and have yet to receive a single correspondence from them for those disputes I did. I understand that there is a delay due to the pandemic but we are all going through it and under the law they still have to respond! There are still inaccurate items on my credit file that need to be removed and I need them to do their part and remove the items I have disputed from my credit file.
Consumer complaint received 2020-10-29
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. (GA)

On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and XXXX XXXX agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, XXXX XXXX, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and GM Financial agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, GM Financial, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I called TransUnion to place a fraud alert on my credit and used their automated phone system. After answering their prompts to place the alert but before the alert process was complete the phone system offered a 30 day trial of TransUnion 's credit monitoring service at $ XXXX. This initial offer was short and required pressing 1 to accept or 2 to decline. Upon declining the phone system went into a long commercial for the service that begins with, " Are you sure you do n't want to protect your credit? ". This commercial lasted > than 30 seconds ... I hoped that pressing 2 would be the decline option and just pressed it before the commercial ended. 

This is an inappropriate use of the fraud alert protections and should be stopped immediately. The credit reporting agencies should not be able to intrusively market their own services to consumers who are forced to call them.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (NV)

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (AL)

On XX/XX/2020, I paid a debt with XXXX XXXX, whom was the collection agency for Moneylion, Inc. Since, they have placed the amount back on my credit report and drop my points by 20. I called and was told to contact XXXX XXXX, in which I did and they stated they would send the request a 3rd time in which XXXX XXXX stated they have sent the request. Moneylion has refused to update their records and delete the account.
Consumer complaint received 2020-10-29
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. (NH)

In XXXX Citibank issued a XXXX for {$2100.00} which I paid taxes on in XXXX. The account was delinquent from XX/XX/XXXX until they write off. Citibank continues to report 180 delinquency or more on a {$0.00} balance since this write off. Each time I dispute the tradeline they report it as valid. I even included the tax return information.
Consumer complaint received 2020-04-30
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (FL)

I keep receiving emails that threaten to take me to court my name isn't attached to this email and they asking for me to wire transfer XXXX to settle this case. If not I will be prosecuted for 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER
Consumer complaint received 2021-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Nelnet, Inc. (CA)

When we got the loan they added a lien for the full amount. We refinanced a few months ago and they were paid in full. As a matter of fact they were overpaid by XXXX thru the Escrow comoany. I have been calling them and calling them to send me a refund and they keep giving me excuses as to why they will not refund my credit balance. Even after they sent me a statement showing paid they still will not issue my refund. I have spoken to managers and keep getting the run around and still no refund has been issued. It has been over 2 months since we closed and they were paid in full
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with XXXX XXXX. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On XXXX. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.
Consumer complaint received 2021-08-19
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. (WA)

I applied for an apartment in XX/XX/2021. I noticed that there were multiple accounts that were not mine on my credit report and disputed them as identity theft. In addition, I filed an identity theft report. The accounts were removed from my credit reports by all bureaus. 

One account was a XXXX credit card. After removal, the account reappeared, and is now now being reported by XXXX XXXX XXXX. I disputed it with all three bureaus. While it was removed from two bureaus, they refuse to remove it from Experian. I have sent all documentation to both agencies, and have disputed to no end, but there has been no resolution. 

XXXX has acknowledged that it is fraudulent. Experian continues to report false fraudulent information about me.
Consumer complaint received 2021-08-19
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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (TX)

I created a XXXX  complaint on XX/XX/21 for Transworld System Inc. I got a response on XX/XX/21 with a receipt. I rejected their response on XX/XX/21 because they can not provide the original contract with my signature to validate this is my account. They never responded. 

I filed a dispute with XXXX  & XXXX on XX/XX/21, the results came back XX/XX/21 saying that this account was validated. I still have not received the documents that I have requested numerous times ( original paperwork w/ my signature ). I paid for the debt before I knew my rights ( FCRA XXXX & before I knew this could be falsely reported on my credit report. 

I just want TSI to validate this is my account. If they can't provide the specific documents I am requesting, I want it removed from my credit report. This is illegal to report or collect on an account that they can not validate.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I have a collection reporting on my credit file by CONVERGENT OUTSOURCING that is not mine. I have contacted them and I was informed that they could not locate this. I verified with them all my personal information they requested and still no success in locating me. Im asking for help in removing this from my credit report. It was reported on XXXX and the amount is {$210.00}
Consumer complaint received 2021-05-21
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. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : XXXX Opened XX/XX/2019 INQUIRIES : 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 These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.