davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: NAVY FEDERAL CREDIT UNION (NC)

My auto loan with Navy Federal Credit Union was paid off in early XXXX. About mid XXXX, I contacted Navy Federal Credit Union regarding my title. They stated that the Virginia DMV placed a hold on the title. Upon review of my past Virginia DMV account, there are no holds. 

I again requested the title with XXXX XXXX and was told that Florida DMV placed a hold on the title. After speaking to a rep at the Florida DMV, I was again advised there is no hold on the title. 

I have also made three requests to close my account with XXXX XXXX and Im getting no response. I have satisfied the auto loan, I have no title, I have never received a statement confirming the payoff of the auto loan, and I am still awaiting a confirmation that my account is closed and the funds have been sent to me. 

Im not happy with the situation and do not believe it is a fair practice to hold up my title and closing my account when I no longer wish to be a member of this credit union. As you can see from their latest response they are still providing incorrect information and totally disregarding the fact that I have not resided in XXXX since 2018 and provided them with my XXXX address.
Consumer complaint received 2018-12-04
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. (IN)

Hello and greetings : I am a customer with XXXX XXXX. in XX/XX/XXXX/XX/XX/XXXX I  experienced difficulty and was advised by XXXX to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, XXXX was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with XXXX and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with XXXX and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to XXXX reporting me late on XX/XX/XXXX payment etc I began to contact XXXX. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the XXXX headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my XXXX XXXX accounts reported on my credit file. I am not late in XX/XX/XXXX nor after the written accord between XXXX collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to XXXX with all late fees paid as well. 
My thoughts is that XXXX should not be reporting me late and should be practicing due diligence pertaining to me account and XXXX credit reporting ... My question for this bureau is what do I do from this point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by XXXX and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect XXXX to reflect my timely payments and credit worthiness. XXXX has cost me enough duress and loss of enjoyments ; now my intention is to communicate to XXXX that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (OH)

In a nutshell, this credit building repair states that the will report to all three CBR when you sign up with them. It is not a loan, rather, they pull draws from your personal checking account for a period of 24 months, they claim they only take {$9.00} administrative fee, the money is held on an authorized bank account and is released after 24 months. what they don't say, they charge finance charge on your own money? Please see screenshot attached were they list they terms and conditions, not disclosed anywhere, or barely emphasized on that particular screen. Furthermore, when you cease they sign up process, you are bombarded with " customer reviews '' to encourage signing up.
Consumer complaint received 2020-09-10
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: TD BANK US HOLDING COMPANY (TX)

***I have a open credit card account with Target and late fees from XXXX XX/XX/XXXX are being reported to all 3 bureaus and it is very inaccurate..also hurting my credit. 

****Target also reporting my balance incorrectly to all 3 bureaus as of XX/XX/XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute and demand the immediate removal of inaccurate information from my credit report. The banks confirmed a system error that failed to provide records for the reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The banks are committed to removing these accounts after careful review.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

i have tried to get peoples united bank to stop this electronic check cashing i needed a check for proof and they told me they did not have proof cause it went thru electronic i told them i write checks to cash so i have proof of that transaction they kind of said oh well is this right what can i do to stop electronic check cashing or is it made so we can not get copys of cashed checks
Consumer complaint received 2024-01-24
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX 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 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I called XXXX on Thursday XX/XX/2023 around XXXX pm spoke with representative XXXX, regarding my concern credit report. XXXX stated that the reports whatever the information is given to them by the agency. I expressed that I have not received any documentation validating theses accounts on my credit profile. For these accounts to reporting on my credit profile are unethical, unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX - MUST BE DELETED XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX -MUST BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX MUST BE DELETED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX MUST BE DELETED Equifax decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-02-04
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2016-10-07
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TFC Credit Corporation of California (WI)

I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute and urgently request the correction of inaccurate information on my credit report. Upon contacting the respective banks, it was confirmed that a system glitch led to the provision of incorrect details. The banks have assured me that the negative information on these accounts will be updated to reflect a positive status or marked as closed/never late. The following accounts are currently in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Platinum Holdings Group, LLC (MO)

Getting calls from a group calling themselves the huntington group from phone number XXXX. Stating someone is trying to take legal action against me. Ignored calls because I felt it was not legit. Looked them up online and was unable to find them. Information I found was through their phone number reverse lookup sites which resulted others sharing experience with them stating they were scammed or being harassed. Ignored the calls until they contacted my step father and were very threatening ( practices used unlike a legit business ). I called today and confirmed my name and phone number, but would not confirm any other information. I requested their full name of the company and their company address, but the represenative XXXX asked why I needed that information and I said to get more information, he told me to hold and I was connected to another individual who immediately told me that they would n't share any information with me unless I confirmed what they had on file in regards to my personal information. I said I just wanted their address and then he started to raise his voice and said he would n't give it so I said I would n't give any of my information because I felt lile their business with me wasnt legit and then he blew up and starting yelling at me. I said I felt this was a scam and to not call me or my family and he said he had every right to contact me and that I need to take care of my " business ''. I replied this is how this company does business? And he continued to yell and repeat himself so I disconnected the call. I just want to know if this.company is legit. They leave voicemails saying legal action will be taken, but I havent received any debt notices by mail and certainly nothing in regards to legal action. I dont like feeling threatened by a company I feel is not a legitimate company. Everything they give is vague and feel theyre trying to fish for information or scam me by paying for a debt I dont owe.
Consumer complaint received 2015-05-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (NY)

I sent XXXX wires in the amounts of {$7500.00} and {$4500.00} respectively from my bank, XXXX XXXX to XXXX XXXX account in Sun Trust Bank. She tried to wire the money to XXXX against my knowledge and wishes. The wire transfer was stopped from her account to XXXX. The Fruad Department said they did an investigation into this. 
I sent in a recall of wire from my bank, XXXX XXXX to Sun Trust bank. 
They did not send the money back. There investgation took XXXX weeks and they have lied and lied to me telling XXXX that they closed her account and would send her the money back so she could then return it to me. 
Sun Trust Bank sent the money instead to the IRS claiming there was an outstanding Levy against XXXX XXXX. 
I wish to get my money back from Sun Trust Bank
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022, at XXXX am I received a text message on my phone from what appeared to be the United States Postal Service. The message stated [ The postal ] You have filled in an incomplete address and your item can not be shipped to the currently filled address with a link attached XXXX XXXX XXXXXXXX  Once I clicked on the link I was directed to what appeared to be the USPS site where I was asked to enter my information to update my address. Once I entered my address I was think asked to pay a {$3.00} fee to update it. Once I entered my payment information the charges began. The scammer tried to charge my card for numerous transactions totaling up to {$16000.00} however they were only able to get {$3600.00}. The other transactions were stopped by the Bank of America and they canceled my card and sent me another one. I'm not sure why they would let one transaction go through and stop all the other transactions. I am a victim and I have suffered anxiety, and emotional and financial issues as a result of this case. I have been trying to get my money back from Bank of America for two months with no help and concern from my financial institution. I have sent in police reports, proof of the incoming text message, and the web page I was directed to and the only response I'm getting is a denial saying my proof doesn't prove fraud and to provide more information. They're not specific in telling me what information I need to provide as well. Nothing is good enough for them. I'm not sure what else to do or give them that I have not already given them.
Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Received letter dated XX/XX/XXXX from Freedom Mortgage who has serviced my loan since XX/XX/XXXX. Letter stated that my hazard insurance expired. Letter also stated that they purchased an insurance policy and that I must pay for the policy but I do NOT have insurance. My policy has not expired or lapsed. 

Upon calling Freedom mortgage at XXXX, first the company 's automated message does not identify itself as Freedom Mortgage. Secondly, the agents ultimately tells me that the letter is inaccurate and that Freedom Mortgage has NOT purchased insurance on the account. The supervisor says that CFPB required Freedom Mortage to put the inaccurate information in the letter.

I called Freedome Mortgage XXXX at ~ XXXX am XXXX. During the call, Freedom Mortgage accesses the insurance company 's database and retrieves the information they need. 

There is too much fraudulent activity going on for this type of activity to be permissible.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I had an amount of {$430.00} that went into collections for a cleaning fee that I was not aware of after moving out of an apartment. I paid the debt, but am still facing the consequences on my credit report.
Consumer complaint received 2024-01-24
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. (TX)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-07-20
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. (AR)

I've recenlty contacted Transunion regarding fraudulent accounts posing a negative impact on my personal credit and affecting future financial purchases involving my credit worthiness. Account XXXX # XXXX still remains on my Transunion credit report after submitted several supporting documents including identity theft affidavit, police report, and a letter from the orginal creditor stating that the account has been closed due to fraud. This account along with several others should not be appearing on my credit report and by doing so is a violation of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I applied for a business loan with my wife who was the guarantor on it. She filed for bankruptcy in XXXX and discharged the loan. Now the loan is showing up on my credit and affecting my score, please take the loan out of my credit report. 
Thanks, XXXX XXXX