davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (NY)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On Friday XX/XX/XXXX {$43000.00} in cash was deposited in XXXX of XXXX dealership 's account for a car payment but until today ( Thursday XX/XX/XXXX ) the car dealership is still unable to see the funds in their account. Citibank ( branch of XXXX ) is the location where the money was deposited and 6 days later the money is still not available.
Consumer complaint received 2022-01-17
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This vehicle on account was a total loss in XX/XX/2021. Vehicle was paid off. Never received statements of true balance that needed to be paid after GAP insurance paid the auto loan. XXXX XXXX  has been reporting negative on my credit report since XX/XX/2021. Explained to company, I am not assuming debt however recieved judgement from attorney of balance. Payment was paid in full in the approximate amount of {$750.00} with the agreement the negative reporting be removed. Negative reporting was still on my credit and has a negative impact on my credit score. No monthly payment reporting was updated on the credit report accurately. All my payments are reported late. I requested documentations to show what payments were actually late or due on time and never received anything back from this company. When I called, the representative was very rude and didn't provide help. A few days late, I see a change in the comment under this account as " settled for less amount '' which negatively impacted my credit score.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-09-01
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. (GA)

This is the second complaint I have submitted. XXXX  have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my XXXX  consumer report. I am I victim of identity theft. I sent XXXX a FTC report, report number XXXX. My next step is filling a XXXX  complaint against XXXX  and filing a complaint with the attorney state General, and file ligation. Also, Experian sent me an alert through the Experian app that they removed the fraudulent XXXX  XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my Experian credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-07-19
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. 


XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-01-17
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: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has caused me a great deal of stress. I have been struggling with an account that is not mine. I have submitted multiple dispute letters requesting for validation of the debt which included sending me the original contract with my signature showing that I owe this alleged debt. Nothing was sent back to me. I then sent in a 30 Day Demand of Comply within a 60 day period being that I never received a response. This is a violation under the FCRA. Futhermore, I am aware that Midland Credit XXXX entered into a final judgement and order with the CFPB. Under terms of the order, the business agrees to pay {$79000.00} in redress to consumers and a {$15.00} million civil money penalty. Because of this, I am still not understanding why this issue has still not been resolved.
Consumer complaint received 2022-01-07
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. (PA)

I opened an account with XXXX XXXX XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I hope this message finds you well. I am writing to urgently bring to your attention a significant issue I have been facing with my student loans serviced by Mohela. 

I initially filed for the XXXX XXXX plan and was subsequently transitioned to the XXXX plan. Following my first payment in XX/XX/XXXX, I encountered an unexpected problem. XXXX of my XXXX loans were randomly switched to the " XXXX '' plan without my authorization or clear communication from MOHELA. The lack of notice became apparent when my XXXX bill suddenly reflected a monthly payment XXXX times greater than the payment in XXXX. 

Despite multiple attempts to resolve the issue by contacting MOHELA, the situation persists. During each call, I am transferred " up the ladder '' to various supervisors, enduring hold times often exceeding XXXX hour. None of the MOHELA representatives I spoke with could explain how or why the error occurred in transitioning XXXX of my loans to the " LEVEL '' plan, and the matter was not corrected during the call. In XXXX, the proposed solution was to place my loans into a processing forbearance until XX/XX/XXXX, with the assurance that this would allow ample time for investigation and correction. However, the processing forbearance has just expired, and unfortunately, nothing has been corrected. 

Additionally, every attempt to speak with someone who has the authority to correct the issue has been thwarted. Despite being told I am being transferred to a supervisor during each phone correspondence, I end up on hold with the automated system disconnecting my call while waiting to speak to a supervisor. Regrettably, I have neither received a callback nor been provided with a direct means to contact a supervisor. Consequently, I must call back, reiterate my situation, be transferred multiple times, only to face disconnection again, resulting in hours wasted. 

Thank you for your time and assistance. I sincerely hope for a prompt resolution and look forward to hearing from you soon.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2022 The State of Arizona issued a check to Capital One Auto finance in my name as part of an emergency veterans assistance grant. The check had my full name on it. Capital one cashed that check on XX/XX/2022 and has since refused to release the funds. After 30 hours on the phone and refusing to speak to AZ State they lied and said they lost the check even though they had cashed it. The state issued a new check and Capital one allocated that money to my account. The first check they kept the money. They did not act a prudent man as the law insists, nor did they do any due diligence. They have spent 42 hours over XXXX years lying, hanging up on me, putting me on hold, and generally refusing to do any meaningful work to recover the funds. They refused to allow any one individual to help me and made me restate the case every single time i called them as if i had never called them before. XXXX weeks ago i sent them irrefutable evidence from the state that they did, in fact, cash the check and have the money. They still refuse to release the funds. They act as if they are above the law or as if their incompetence or convoluted system absolves them from following the law. I am a XXXX XXXX XXXX veteran who has been robed for XXXX years. They have illegally held these funds for XXXX years and refuse to release them let alone pay interest or damages. I have spoken to over 48 different representatives. 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 after alerting the press, did they even begin to look into it. I also had to go outside their system and use XXXX XXXX to get emails of ceo 's to get help. Yet, with all the evidence in their hands they still refuse to release the funds. I've told them on multiple occasions how this is harming me but they simply do not care. They act as if they are immune to banking laws and can simply lie, obfuscate, call me names, and refuse to even look into the matter. 43 hours on the phone to over 48 different individuals, they have copies of the cleared checks, yet they still refuse to release the funds. How can it be legal to lie about having the money, refuse on 48 occasions to even look beyond their first line computer screen, mistreat me, refuse to do due diligence, refuse to act as a " prudent man '', refuse to assist me for XXXX years, make me call back and speak to new person who has no idea what is going on every single time i call, hold the money, collect interest on the money, and now, with all the evidence provided them, continue to withhold the funds. They act as if the laws don't apply to them. They laugh at me when i tell them i will file a complaint. I have almost all the calls logged and on tape.
Consumer complaint received 2021-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I took out a loan for XXXX. Ive been paying this loan faithfully every month of XXXX any the loan isnt moving downward. It still states I owe XXXX. Actually it states I owe more. Ive never heard of a loan that increases every month. This is robbery at its finest. I will be paying back 3 times the amount of loan
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

At least 4 times in the last year. Toyota Financial Services has misapplied payments to one of the two vehicle we ( XXXX XXXX XXXXXXXX XXXX ) lease from them. Checks are sent every two weeks or so and the paystub clearly identifies the model and account number. Once misapplied, the billing system then adds fraudulent late fees. Then the phone calls start, and my CFO looks at me, and I say, its TFS misapplying payments, again... 
I used to think their AR dept. was just incompetent, but now since the problem repeats every couple of months it's likely that TFS just views this as a feature not a bug of its operations. Few people will be as tenacious in following up. If TFS can get people to pay bogus charges, they profit. 
XXXX XXXX is a personal hero of mine. Thank XXXX and her for this government agency! Please do what you can. Its nice to know that citizens are not completely powerless to abusive corporations.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (GA)

OVERVIEW VISA Prepaid Gift Cards do not live up to their package advertising, " A VISA Card is always enjoyed and never returned. '' Also their Customer ( NON ) Service is designed to prevent customer financial recovery due to fraud that their systems do not prevent. 

XXXX Two {$100.00} XXXX XXXX XXXX were purchased at XXXX and activated. Total Cost {$210.00}. 

XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. 

XXXX Cards were returned to me and I Contact XXXX XXXX XXXX 
Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. 

XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00}. 
I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes, was cut off by VISA, and was transferred to a customer survey ( was not good ). 

XXXX This complaint to Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2021-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (ND)

I contacted BB & T about XXXX week ago around XX/XX/XXXX and again later that day regarding a payoff amount of our vehicle loan, I needed verification sent to me or my other lender showing what the payoff amount is, BB & T was not able to provide me with this information via email or fax, they only could verbally. No lender in history will accept anything verbally when applying for a loan they want to see PROOF which is totally understandable. I called BB & T again today XX/XX/2021 to pay off the loan in the amount of {$15000.00} they told me it would take approximately XXXX days to process, I then asked if they could send me an email showing that the loan was paid in full to me or my lender and they told me that they could not do that either. I have never ever heard of such a thing. This is MY loan and I make the payment every month. I should be able to request any type of information regarding MY loan account when needed. BB & T needs to change there policy regarding this matter along with hiring more employees to answer phones, I waited and hour each time I called for them to tell me I cant get what I need from MY loan account. Seriously the most ridiculous thing ever and I DO NOT recommend anyone to BB & T.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX has been contacted multiple times by me ( see the attached collection account validation letters below ) in order to verify my debt that they are claiming I owe. XXXX XXXX XXXX XXXX is in violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I have asked XXXX XXXX  multiple times to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They have simply responded to me with a bill of the charges they claim that I owe ( which a copy of their responses is attached below ). XXXX XXXX XXXX XXXX refusing to provide me with the required debt validation outlined above is in violation of my rights under the Fair Debt Collection Practices Act. Due to the fact that XXXX XXXX XXXX XXXX continues to report this account on my credit files without providing me with the proper verification, I'm now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from XXXX XXXX XXXX XXXX by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I've also made XXXX XXXX XXXX XXXX aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act ; therefore, if XXXX XXXX XXXX XXXX does not immediately remove this account from my credit report or provide me with all of the verifiable debt validation requirements outlined above, they are subject to another {$1000.00} fine, plus punitive damages.