davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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: BMW Financial Services NA, LLC (TX)

I am having issues with getting a breakdown of fees from BMW. The amount inwhich they are reporting to the credit bureaus is inaccurate. I requested a breakdown of fees twice. What they sent was the same exact letter with only a different date. I want to see the breakdown not the total. This leads me to believe they do not have the information. If that is the case then they truly can not validate what they are reporting! I WANT A TRUE VALIDATE OF WHAT THEY INDICATE I OWE
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (AR)

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-07-25
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX XXXX XXXX XXXX XXXX had a data breach XX/XX/XXXX and in a letter to me they confirmed that my personal information was compromised. 

XX/XX/XXXX I received a welcome letter from Navy Federal Credit Union. Someone fraudulently opened up Savings and Checking accounts in my name online or over the phone. With a fake phone number and fake email. How is this possible in todays world of identity theft? 

Please make a federal law that requires a TRUE proof of identity when these accounts are opened remotely. It makes no sense that this should be the honor system!! 

Financial institution like Navy Fed should be held more responsible for this form of fraud. 

Please!! A federal law that requires TRUE proof of identity.
Consumer complaint received 2020-09-03
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)

XXXX  and Tranunion are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX XXXX2021 I transferred {$1000.00} from XXXXXXXXXXXX  to Coinbase pro which was successfully transferred to Coinbase, the money is not yet posted. I contacted them several time but they are not helping me. My Coinbase case number XXXXXXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (WI)

On XX/XX/2021 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. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (MD)

WHAT IS THE {$890.00} DOLLARS. UNTIL YOU EXPLAIN IN DETAIL WHAT IS THE {$890.00} ON A SECURED CREDIT CARD. IT IS MADE UP FEES. IT IS NOT CHARGES MADE BY ME. YOU ARE A XXXX CREDIT UNION AND CALLED ME XXXX ON NUMEROUS OCCASION. I WILL CONTINUE TO COMPLAIN UNTIL YOU GIVE A DETAILED ACCOUNT OF ALL MONIES I DO NOT OWE. THIS WAS A SECURED CREDIT. WHY CANT YOU EXPLAIN THE ADDITION {$890.00}. THIS SHOULD BE EASY JUST SEND THE CFPB AN ITEMIZED LIST. YOU CANT. YOU AREPATHETIC LIARS. ALL YOU DO IS LIE.
Consumer complaint received 2022-07-12
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. (TX)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reports is not accurate either. The ground for removal they also violated under my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They ignored my dispute and since then I have lost out on grants, loans as well as credit card offers due to their negligence. I also receive harassing phone calls from 3rd party collection agency due to them furnishing deceptive INACCURATE information. The calls are non stop AFTER I informed these parties that my number was on a do not call list as well as sent a cease and desist.
Consumer complaint received 2022-07-22
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX GET IT NOW XXXX XXXX XXXX XXXX & XXXX BANKRUPTCY CHAP XXXX
Consumer complaint received 2021-06-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Easier Funding, LLC (MS)

The sales representative doing a phone call stated a false claim or misleading information. He stated that their company do not report to credit bureaus if balance is not paid if client were not able to make a payment. He stated they are here to fix clients credit and not damage them. I did not pay for service because I was misinformed. Call was recorded.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.
Consumer complaint received 2020-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Applied for a mortgage refinance with Amerisave Mortgage. They hard pulled my credit and gave me offers on my refinance. The representative was having issues with his VOIP phone and used his cell phone to call me back. I know that the call with him WAS NOT recorded and against compliance. 

They then collected a {$500.00} fee for an appraisal and never rendered the service that I payed for. They will not return my calls or texts. I have filed a complaint in the voicemail box. I call almost every day and can not find a person to speak to to get my {$500.00} refunded.
Consumer complaint received 2020-09-03
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: Bread Financial Holdings, Inc. (CA)

I have paid in FULL my collection account with portfolio recovery which is a collections agency back in XXXX of 2020. They have already reported their portion to the credit bureaus. But the original creditor which is Comenity Bank/ Victorias Secret has not deleted or at least updated charged off status notations to PAID IN FULL. I spoke with collections agency and they stayed they already updated their part but can not change delete the reportings made by Comenity Bank/ Victoria secret . In speaking with Comenity they are refusing to assist in either deleting or updating the ACCURATE information which is not charged off but paid in full. And it has been this way for months since XX/XX/2020. They are stating at Comenity The day do not make a notation or adjustments that I have to speak with the collections agency but they are not understanding the collections agency has done their job and Victorias Secret has to do their part of their job and they are not willing to assist. This is continually affecting my credit report. I did my part in good faith by paying in full and declining their offer to settle for less. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones that showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. Oh I am asking is for Victorias Secret to either delete which they say they do not delete but at least update my account accurately as paid in full not just charge off. The notes it shows are the same ones it showed before I even paid anything at all which is charge off nothing has been updated or touched or changed. They are just telling me there is nothing they can do after taking my payment at the collections agency.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I have previously filed a complaint with CFPB, XXXX and with Chase. They told CFPB that they refused my fraud claim due to similar IP address although I just called and tey told me over the phone that they refused my dispute due to the fact I was able to login and access my account and because I made payments on the account which is not the same reason they gave CFPB. 

It is obvious that Chase is trying to use tactics to instead abuse their clients rather than adhere to the laws and benefit their customers in a clear fraudulent case. I will be attaching the voice recording to this complaint. 

It seems that Chase is blatantly trying to avoid being held responsible for their lack of security and trying to place the down fall of it on their customers rather than protecting them. 

I hope that CFPB takes this serious and helps to keep the consumer protected. 

PS : It says I can not upload documents over 10 mb and my audio recording is over 10mb. 

I can send this via email if needed.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within

thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MA)

I have a high interest online savings account with Discover Bank. On XX/XX/XXXX, Discover " froze '' my account, denying me access to any account information and more importantly, freezing my funds. I have been trying for over a week to communicate with Discover Bank, to no avail. They have no email address, and when I call, wait times have consistently been greater than two hours. Worse, when on a few occasions I have finally gotten through to a human, I am told that they can not help me. I am then transferred to a dead line, or put back in the 2 hour cue. 

I am in the process of buying a home and it is time sensitive that I have access to printing my account statements, and access to my funds. I have used the app, using biometrics to log on, from my personal cell phone, and still am locked out. 

Discover Bank 's only attempt to reach me has been a mailed letter, again instructing me to call the phone number, that has no answer. My funds have been made unavailable to me, held by this bank, without any explanation or path to resolve the problem.
Consumer complaint received 2021-06-22
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. (CO)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-14
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED/DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

A letter for personal information correction was sent out to XXXX, Equifax, and XXXX  on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. Equifax and XXXX  failed to reply.
Consumer complaint received 2020-09-03
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. (CA)

It is my understanding that child support is a Judgement handed down from the courts, so i'm trying to figure out why it's being reported on my credit file.
Consumer complaint received 2020-08-27
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. (PA)

i submitted an issue where an account was reporting more than once and they have yet to look into the matter and it was not fix. i also Included my ID and Social on the document. they have an account at is reporting 3 times with 3 different amount owed i know for a fact that a company can not collect on the same debt with the same account number but diffident amounts owed. and i have an account reporting that i never had that i think is fraud that need to be look into this is the 3rd time i have put in a request to get this looked at.
Consumer complaint received 2022-07-12
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)

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}