davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

It has come to my attention that OPP LOANS are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

Subject : Issue Regarding Navy Federal Credit ACH transaction to XXXX XXXX I am writing to bring to your attention a concerning matter regarding a Navy Federal Credit ACH transaction made on XXXX XX/XX/2022 to XXXX XXXX at XXXX XXXX XXXX in NY. It has come to our notice that the intended recipient of the ACH funds of {$1000.00} did not receive the payment due to an error in her checking account number provided. 

Both Navy Federal and XXXX XXXX XXXX have been uncooperative in resolving this issue, as they continuously point fingers at each other without offering a satisfactory resolution. As a result, XXXX XXXX has been without her {$1000.00} for close to two years, which is unacceptable. 

We have reached out to the XXXX XXXX Department with the associated trace number XXXX for the account in question, but we are yet to receive a resolution. 

We kindly request your urgent attention to this matter and hope for a prompt resolution to ensure that XXXX XXXX receives the funds owed to her without further delay. 

Thank you for your prompt attention to this important issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial (FL)

On XX/XX/2020 I called to scheduled for furniture leased to be picked up from my prior residence. Since then I have received constant run around from this company starting with an employee named XXXX XXXX. Every pick up that was scheduled resulted in no shows from the start. I even reached out several times to the company picking up the furniture who repeated failed to do so wasting my valuable time. This went on for at least two weeks of verbal and email communication until the end of XXXX. The end of XXXX I received an email for a settlement and called the company regarding it. I ended up settling for XXXX XXXX and XXXX dollars due to I was sick and tired of the repeated lack of customer service and unprofessional-ism. Again, I was paired up with Mr. XXXX XXXX whom never advised me of a XXXX XXXX dollars fee and charged my bank card without my knowledge. I called back once I notice the fee and was refunded. However, this employee is extremely incompetent that I have endure constant suffering and anxiety as this would go against my credit. Today, I was notified by a credit alert this account has gone against my account. Prior to me stopping payment because they were suppose to pick up this furniture my account was never late and always on time. This company has now jeopardized my credit history and causing me financial suffering. This company is a scam and is continuing to ruin people financially after sending me a settlement and accepting my offer of payment.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (IL)

This complaint revolves back to my previous complaint # XXXX. It seems that fnbo has been less than honest with cfpb and me. fnbo violated the Fair-Trade Act by issuing a new card in my name after I had cancelled the card. There were then fraudulent charges which they expected me to pay. Because of your intervention the account was closed, and fraudulent charges were removed, See above complaint. Recently I received a credit card statement from fnbo showing the charges had been removed. There should not have been a statement. The account was closed. I believe they have violated the Fair-Trade Act once again. I don't know how to make this stop. They seem to have no issues with breaking the law.
Consumer complaint received 2021-06-07
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. (NC)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION (CA)

I requested that my Credit union attempt to recover funds I wired to XXXX per the situation summarized next. They said they could not help me. I wired {$85000.00} between XXXX and XXXX to the " Escrow '' account. After eight wires, they said they would not wire any more funds for me, but they would not tell me why. I asked my credit union if this was a scam and I also reached out to the wire company and asked them if I was subject to a scam and they said they could not tell me anything except that they would not wire any more funds for me. I found the Escrow company listed on the North Carolina government page under businesses and it even listed the person at the company with whom I was working - XXXX XXXX XXXX XXXX, XXXX XXXX, so I thought this transaction was legitimate. I proceeded to send another {$80000.00} through my bank. This was my life savings and it is now gone. This was the biggest mistake of my life and I can not believe how easy it was to have so much money stolen. I signed up to sell a timeshare and make a decent profit as I had selling my house, but wound up in dept, ashamed, and broken. These people must be stopped. 

SCAM : I was called by a XXXX rep in XXXX and asked if I wanted to sell my timeshare at the XXXXXXXX XXXX in XXXX. I said maybe. I was sent a letter of intent to purchase and I checked the North Carolina Gov website to see if this business was listed and it was. I signed and returned the agreement. XXXX XXXX with XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX, phone XXXX, email XXXX emailed me information about the opened escrow account. I was told I would need to wire funds on different occasions, but that I would be reimbursed. I checked the North Carolina Gov website to see if XXXX XXXX was listed and it was and even indicated XXXX XXXX as the owner. I proceeded to wire and then bank transfer funds as requested, but at one point asked for some type of guarantee that his was not a scam and that I would be paid. XXXX XXXX XXXX CEO XXXX XXXX  called me and sent me a notarized affidavit guaranteeing that I would be paid. The last time I talked with XXXX and XXXX on the phone they told me the funds should be in my account within 48 hours. That was now over a week ago and my repeated phone calls, voice mail messages and email have gone unanswered.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I  called Equifax and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX Equifax reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..
Consumer complaint received 2023-02-07
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. (TN)

According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. Equifax XXXX and XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies equifax XXXX XXXX ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) A states 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. 15USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

Hunter Warfield INC is reporting a collection on my account for {$580.00} with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.
Consumer complaint received 2023-02-07
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-07
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. (FL)

I have on NUMEROUS occasions requested XXXX XXXX to remove the derogatory remarks on my credit report. In late XX/XX/XXXX I called XXXX XXXX and informed them I was struggling to pay my payment due to natural disaster of hurricane XXXX here in FL affecting my job as a nurse in XX/XX/XXXX. The woman I spoke to stated I could set up a forbearance plan to help with my circumstances. I was told by said woman that i could enter into forbearance if I was unable to make the payments. I reiterated a question to the woman 3 x - " would this forbearance be reported as a late payment? ". The XXXX XXXX rep confirmed on their RECORDED LINE that it would not negatively effect my report and would report as current. I called numerous times and requested for a supervisor to look into the matter as i was 100 % sure that i was told the forbearance would NOT report as anything other than current. I AM STILL WAITING ON THE PROOF THAT THE AGENT SAID OTHERWISE. I have tried to dissolve this issue repeatedly with no assistance from XXXX XXXX. I have attached my statement from XXXX showing i was in forbearance at that time yet was reported as late 90 days until XXXX. When i requested this forbearance IN XX/XX/XXXX I was requesting due to a natural disaster which I VOICED TO the XXXX XXXX XXXX at the time. I live in FLORIDA and was affected by XXXX XXXX in XX/XX/XXXX and due to this CAT 5 storm my job as a nurse was affected and in turn so were my payments. During a forbearance period, your mortgage company may not assess late fees and will not report forbearance or delinquencies caused by the disaster to credit bureaus I AM BEGGING XXXX XXXX TO REMOVE THIS NEGATIVE REPORTING ON MY CREDIT REPORT AS IT IS CASUING SO MANY ISSUES OBTAINING A NEW MORTGAGE. 

I am being ignored and blown off even though i was told incorrect information by XXXX XXXX representative on the way this information would be reported. I have a perfect credit hx other than this " late payments '' and i am demanding XXXX XXXX administration look into the issue and listen to the call recording as well as provide me that information. It is illegal to tell a consumer one thing on the phone and have them sign a bunch of paperwork stating the opposite. That is not right!
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

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. JEFFERSON CAPITAL SYSTEMS, has violated my rights. 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; This was already resolved from XXXX and deleted off my credit report
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (NJ)

The company is exeter financial they are charging 24 % rate interest they just allowed for pay the monthly some like 15 days the down payment I did was {$5000.00} they increase the car price {$4000.00} I can't refinance because is higher that the index price I am actually can't pay that much interest my credit score was over 630 the dealer reduce points calling many companies in the first conversation with exeter phone people they offer refinance with a company they knew " XXXX '' was the refinance company name they have confabulation with the sales girl I guess because she promote it to real with no option also she took longer as days to give a copy of the contract
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (AR)

It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NC)

On XX/XX/XXXX I received e-mails confirming my new Chime account ( XXXX XXXX ) and prompting me to load their app. I never opened a Chime account and promptly contacted them to alert them of a fraudulent account opened with my SS #, e-mail, DOB and Phone number. They closed the account for me but suggested that I put a freeze on my credit and contact all of the credit bureaus, which I did. 

My issue is that this seems to be a simple thing to do through this financial tech company since they do not ask for any physical proof that you are who you say you are. I am not sure what the scam is since they used my actual e-mail but from what others have mentioned online is fraudsters will fund your Chime account with a payday loan and spend it but then you are somehow on the hook for the cash. Chime needs a more robust security screening process as they are an easy target for criminals. 

My issue has been resolved or at least I believe it has. I did receive a Chime debit card in the mail several days after getting the notification of the account being opened. The card has been destroyed.