davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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. (OK)

Experian Report # XXXX. 
XXXX wireless XXXX Is not my account. This account pertains to someone else with a common name like mine. I have never received notification of this debt nor the opportunity to dispute. This is falsifying information on my personal account that can affect my employment.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HYUNDAI CAPITAL AMERICA (OH)

as of XX/XX/2022 there has been a dispute in process as to the beneficiary 's property that officially, and illegaly was seized unnanounced and without consumers consent, nor did the seller diclose the neccessary options for a very clear and productive understanding, the sellers direct responsibility 's obligations and duties/of performance to consumers needs, seems to be overshadowed, " the seller and the consumer '' were operating from an open end credit agreement or consumer credit transaction, furthermore by law state and federal law which prohibits this type of misleadeading and very deceptive practices these elaborate mechanisms and schemes as been reported by the cfpb, fdcpa, as well as the the well established congress driven Tila act, Magnuson-moss warranty act and all the necessary protections afforded to consumers and though XXXX continues to identify that kfa as a third partylender/financial institution, and collections, but before party 's engage or become involved, there had to be a '' meeting of the minds '' and clearly consumer XXXX has no knowledge or recollection that would identify, even perhaps show of your existence ( k.f.a ) -kia motors -kia finance, i have no contracts or agreements with you...
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was made aware on XX/XX/2023 about fraudulent charges on my prepaid Bank of America account provided by XXXX Ive placed the dispute but for some reason my account wasnt closed nor did it canceled any Transactions after that date I never lost the that card itself but some how someone has a something that gives them access to get atm transactions plus they manage to have control of card decisions its now XX/XX/2023 and Ive yet to be reinstated my money
Consumer complaint received 2023-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX I mailed off a certified reinvestigation letter using USPS to the consumer credit agency XXXX. I filed a XXXX complaint previously and consumer credit agency XXXX responded on XX/XX/XXXX. XXXXonsumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency XXXX failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (FL)

I refinanced my vehicle loan from XXXX XXXX  to Navy Federal Credit Union back in XX/XX/2022. Prior to this, In the past I have refinanced a vehicle with Navy Federal Credit Union and the whole process was smooth and completed in a timely manner and Navy never had me running around trying to get the title to them or have them placed as lien holder. This time around Navy has been very difficult. They claimed that it was my responsibility to get the title from XXXX to them and that they had sent plenty of letters to me to inform me of such. I only received one letter titled final notice at the end of XXXX that my payment was increasing in XXXX due to them not being placed as lien holder on the title. Prior to this notice I never received a letter, an email, or a message when I log into my online banking portal informing me of any issue with title. Navy informed me that they still had not been placed as lien holder and that it was my responsibility to place them on the title. I have been forced to run through hoops to get this resolved. When I contacted XXXX XXXX  they stated that in no time was I ever going to be given the title because it goes from one bank to the other and Navy had not requested it from them. Then I was told by XXXX ( NFCU Supervisor ) that once Navy received the title from XXXX it would then be mailed to me by Navy so that I could go to the XXXX and request for NFCU to be placed as lien holder on the title and that my monthly payment would be readjusted to the original amount that I signed my refinanced contract for. I was also told that if I did make the larger payment, any difference would be adjusted and put towards the principle. When I called today to follow up on the status of the title I was informed they revived it and mailed it to me which I should receive in 2 to 3 days. I then inquired about the XXXX due payment and was asking for confirmation of grace period as well as how soon can they readjust my monthly payment and revert it back to the original amount. I was told that they would not readjust XXXX and I still need to make the larger payment and if I didnt they would take my entire XXXX XXXXXXXX that had been deposited. I explained Im a XXXX veteran and have limited funds and this is putting a huge financial strain on me when they were the ones that messed up. I also explained Thai is not what I was told by XXXX the supervisor which the representative then said that XXXX didnt inform me correctly.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my credit file that are misleading and erroneous and must be removed or blocked. The items I am questioning do not have any affiliation with me or my transactions. Here is the list of items that do not belong to me or were opened without my permission. 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 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 2023-02-28
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: PENTAGON FEDERAL CREDIT UNION (TX)

In accordance with the Fair Credit Reporting Act PENTAGON FEDERAL CR UN acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-01
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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. (NE)

XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]
Consumer complaint received 2023-02-28
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)

Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXXXXXX XXXX Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed OTHER LOANS XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX ]
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 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 60 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

I called chime on the XXXX of XXXX to report a couple fraudulent charges on my account they opened an investigation and on the XXXX I received an email from them telling me that they're findings determined that they weren't going to reimburse me my money I canceled my cards and ask them what recourse do I have at this point because those were fraudulent charges and I also asked for them to send me what they're findings were.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KP ASSET CONSULTING LLC (CA)

I received a message on my work phone stating, " By law I do have to make you aware that once this claim is filed it will become public record both your name and your social are affiliated with this claim. You need to contact the filing party before I appear at either your home or your job with your legal documents. You do have the right to contact the filing party directly at XXXX. '' I contacted the number provided in the voice mail and learned ( 1 ) I was contacting KP Asset Consulting and ( 2 ) the caller who left the message had dialed an incorrect phone number. 

Nevertheless, I am reporting this because I believe it is unlawful for a debt collector ( 1 ) to threaten to show up at your place of work and ( 2 ) to threaten to publish your social security number. 

I informed the representative at KP Asset Consulting that the debt collection practices were unlawful, but she said it was not her company 's responsibility to ensure lawful practices.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Plastyc, Inc. (NC)

While my password or phone number was not changed, someone was able to cash out my account without my knowledge to a financial institution account that does not belong to me. The company has taken no responsibility and contend that no funds can transfer without my consent by email or text. I received no notification that there was an attempt to change information or password or that cash out transaction was being done. Further the company will not disclose the routing number or account number that my funds were cashed out to.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2023 I made my mortgage payment to Mr Cooper aka Nationstar mortgage. I made a major error over paying my account # XXXX The payment was for {$1300.00} I made the huge error of paying them {$13000.00}. I notified them of my mistake on XX/XX/2023 By phone and ask for my overpayment to be returned. They said they would said it would take 3-7 business days.Did not get my money back. Called them a few days later. Was told to send a canceled check with the Banks information. Waited a few more days and called to ask where was my money. They Told me because it was over {$10000.00} dollars they needed a copy of my monthly statement which I faxed and emailed copies to the number that was given to Me. It is XX/XX/2023 and still have not received my money to Me. Please help me get my money back. Received my mortgage statement today they paid my XXXX payment. Put the rest of the money on my Principal.It cost me {$25.00} dollars to fax the bank statement to them at XXXX. Not to mention the cash advance from my bank.Called today was told the person handeling this now is XXXX XXXX her phone is XXXX Please Help Me XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

This is related to a Citibank Double Cash Card MasterCard. I always pay my full balance on time. This year XXXX XXXX XXXX fell on a Sunday, so the holiday was observed on Monday, XX/XX/XXXX. Typically the due date would shift to the next day when it falls on a weekend, and shifts again in this type of situation. My bank made the scheduled payment on XX/XX/XXXX as both they and Citi were closed in observation of the holiday. 

However, Citi charged me a late fee of {$39.00} and interest of {$500.00} on a balance that had been paid on time and in full. I called Citi and they removed the charges from my account. However, this has clearly be done to many customers, and from my perspective is highly unethical and could be considered fraudulent. It is concerning that they are only addressing the issue for customers who call to complain as this is a widespread issue.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello, so my account has been on hold for a good two years. I received a letter from navy federal stating my funds will be released and all will be available XXXX my account is on hold nor will they close the account or withdraw the money theyve been very unprofessional a banker told me she seen a check bounce after 5 years. My account is earning dividends I get a billing statement every month
Consumer complaint received 2023-03-01
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.