davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma (CA)

This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is XXXX XXXX.
Consumer complaint received 2016-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastline Financial Resources, LLC (CA)

These XXXX debt collectors are calling me from XXXX using the oldest one in the book about officers serving papers to me. I owe no debts to anyone so this is a bogus claim and that tactic has been used for years. I 'd like to file a complaint against them. They said to call XXXX Coastline to correct this. Definitely a scam. Please stop them from harassing and scamming people.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

In XXXX 2016, I was made aware through credit reports and an application for a PLUS loan that my personal information was fraudulently used to get student loans ( XXXX, XXXX XXXX ) without my knowledge or consent. I reported that I am a victim of identity theft. I informed then that the information below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. The following accounts appear as a result of identity theft. 
XXXX XXXX XXXX-student loan account number unknown XXXX- student loan account number unknown CALIFORNIA FEDERAL COURT XXXX COUNTY/RECORDER OF DEEDS I also requested Experian to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act within 4 business days, and send the required notifications to all furnishers of this information. Also, please place an Extended Credit Report Freeze on my report which will require creditors to contact me via phone number on my report. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are highlighted in yellow. 
A copy of my Identity Theft Report Proof of my identity-CA Driver 's license A copy of section 605B of the Fair Credit Reporting Act, which requires XXXX to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Experian informed me on XXXX XXXX, 2016 of the dispute results and that they are waiting 30 days for the Companies to respond. Experian did not acknowledge nor process my request to BLOCK the information within 4 business days as required by law ( section 605B of the Fair Credit Reporting Act ).
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I went into Kohl 's to buy some stuff. I was asked if I wanted a store card and I would get 35 % off on my purchase. I accepted thinking it was just a store card. Only after applying did I find out it was a credit card. I didn't know I was applying for a credit card until I was denied. This has devastated my credit and now I am set back in my credit rating for years. This happened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in distress over this and want this off my credit report.
Consumer complaint received 2016-10-25
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (FL)

My Husband and I have been a member of Navy Federal CU since XXXX and shortly after opening an account we applied for an Auto loan and Credit Card. The loan was approved for our XXXX XXXX XXXX and we received our credit card. I have never been late on a payment past the 10 day grace period, Maybe a day or so, due to the way our paycheck fell in accordance with the due date. 
If the payment was n't made on or before the actual date Navy federal would lock down all account access online even our debit cards & credit cards. We had no way to get funds from our checking account leaving us no funds to access and care for our XXXX children until the loan was paid one to 2 days later. I would call begging for them to lift the block and was told that they could n't until the loan payment was made. On a couple of occasions my child was sick and I needed to pay for a prescription and was turned away by Navy federal. Another occasion I was about to run out of gas coming back from a long trip and call an was also turned away, each time there were funds in my account just not enough to make said payment that was due. Although, When a Direct deposit was made to the Checking account Navy Federal transferred automatically to the Auto account or Credit account without our consent. This is the reason why I closed my checking account with Navy Federal CU. I strongly feel that my family and I should be compensated for the mishandling of our accounts.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I just clicked on a " gap '' credit card thru XXXX Bank service to see my XXXX score. Beginning of the year was low XXXX, there was an issue with a less than $ XXXX dollars XXXX balance on a XXXX when they switched cards or updated them. They Without my Consent Stopped sending Hard Copy Mail Statements. I did remember I had purchased a bed comforter on their XXXX Sale I think it was and XXXX day while checking my payments thought about it checked on line and Everything had changed. It was a very time consuming ordeal. They had also without my consent change everything to Spanish which I Do n't Mind but I had also NOT authorized nor requested that change. Anyhow I called and paid it. I cant remember if they waived the late fee or not. I do know I requested but cant remember exactly if I got it waived or not. I think they did just so you know that after a time consuming XXXX calls later they saw the mistake. Anyhow they promised they would take that late payment OUT of my credit report. It looks like they Did Not as I still showing a XXXX and I have NOT been late and this report I just clicked on reads my score was impacted because I have a late payment. Please Help XXXX this. Thanks very much for any time and input you put to clarify this for me. I work so very very hard. I know you probably hear this a zillion times but I truly do and I do n't have much and I hope I can have at least an Excellent Credit score. Let me know what documents you would need. I think it was when XXXX card went from XXXX to XXXX but I know XXXX did the same and maybe I am just confusing them?
Consumer complaint received 2016-12-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

Freedom mort assessed our loan over {$400.00} in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage {$200.00} a month with no warning.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX Bank and XXXX XXXX Bank. The following court document is fraudulent as well : XXXX XXXX XXXX XXXX : XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank
Consumer complaint received 2017-01-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

I called up today to get the pay off amount and was told they did n't have it even when I originally ordered it last Tuesday and I was told XXXXXXXX hours. They I told them I was faxing the XXXX form today and she said they were waiting for XXXX more paystubs which I wont have until Friday. I asked could n't they postpone the sale day for a week to get this figured out and she said they were n't going to do that and If I could n't have a full packet in by today they were n't going to waste their time looking at the review anymore. That tells me that wells fargo has no intention of helping us save our home and they are forcing us to do a chapter XXXX
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (VA)

I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. 
I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. 
I have not deposited a bad check since opening my account with Fifth Third in XXXX. 
The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. 
Funds were withheld from my use until XXXX XXXX, XXXX. 

It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. 
Is this practice one that is condoned by CFPB?
Consumer complaint received 2023-05-10
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. (MI)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2023-01-19
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. (NJ)

This is my XXXX 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 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 2016-06-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NJ)

I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some XXXX  to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-25
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A counterfeit check was written on my business account in the amount of {$4800.00}. The check was made out to a business and it was cashed. The signature that was supposed to be mine was n't even close to resembling my signature but Bank of America is stating that they can not recover the funds. I feel that it is their mistake and no they should return my funds.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I use to have an account with bank of america with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to bank of america ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank account.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply it.
Consumer complaint received 2023-01-10
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-01-18
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-01-18
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-01-17
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: NAVY FEDERAL CREDIT UNION (MO)

From XX/XX/XXXX- XX/XX/XXXX I applied for a loan with navy fcu they filed a hard inquiry This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting my credit
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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.