davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-03
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: Eastern Account Systems of Connecticut, Inc. (NY)

XXXX is continuing to report a debt as verified. This debt is an open fraud case with law enforcement and open case with XXXX  XXXX XXXX XXXX ( as regulatory agency for original creditor XXXX ). This has been deleted off of XXXX  and XXXX. XXXX keeps reporting information that is identity theft. 
Alleged debt is : eastern account systems. 
XXXX XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I opened a checking and savings account in order to receive bonuses for each account. I met all of the criteria but the bank is refusing to pay me the bonus. The promotion states that the offer is eligible to customers who have not had an existing or prior account within the preceeding 12months. I did receive the bonus for the Savings account which has the same requirements. I have called 3 times now and I keep getting the run around on the XXXX dollar checking account bonus. I met the requirements for that on XX/XX/21 per the agent and should have received the money 90 days after that.
Consumer complaint received 2021-11-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (NJ)

1. Release or Satisfaction of Mortgage executed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, husband and wife in favor of American General Financial Services , Inc., given to secure the original principal sum of {$20000.00}, dated XX/XX/2007 and recorded on XX/XX/2007 in Official Records ( book ) XXXX ( page ) XXXX ( instrument ) MG 2007 XXXX XXXX XXXX XXXX XXXX New Jersey. 
NOTE : This Mortgage is an Equity Line Mortgage. A full satisfaction of same, together XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland creditors appeared on my transunion report stating I opened an account XX/XX/20 in the smoking of XXXX. I have no knowledge of this account it does not belong to me I would like to see some paper work with my signature and proof the creditor has legal obligations to collect debt. My email address is XXXX My mailing address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX Illinois XXXX
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I want to make you aware of the pain a lot of Americans are suffering due to the BBVA PNC merger. In my specific case, PNC withdrew money from my checking account without my authorization. They unilaterally enrolled me in automatic payments of my mortgage even though I did not consent nor was I informed. My mortgage under BBVA was not set up for automatic payments. So, I paid my XXXX mortgage on XX/XX/XXXX. I had to do it over the phone because PNCs online banking is not working. I paid my regular amount plus a principal curtailment. The payment went through. On XX/XX/XXXX I saw that my checking account had been debited on XX/XX/XXXX for the mortgage. This means PNC took out two mortgage payments the one on XX/XX/XXXX was without my consent. It has been an ordeal to get any kind of customer service. I get bounced around from person to person. Finally, I talked to a representative that admitted that I had not consented to be enrolled in automatic payments. She told me I would be credited. I havent. I called another person and he lied and said he had a written consent I had given to BBVA. I explained that the consent he was referring to was for a construction loan that had been paid off on XXXX but that I never signed a consent form for the mortgage and BBVA had never withdrawn mortgage payments automatically from my account. He agreed with me. It has been 3 days and my money is still gone. They refuse to electronically credit my account. They insist on sending me a check. The amount taken by PNC is close to {$3300.00}. Luckily I can live without that money but what if I lived paycheck to paycheck like many of my fellow Americans? What if because of their greed other payments had bounced? I have been reading comments on social media of other victims. What happened to me happened to others. It seems that PNC has been enrolling BBVA customers on automatic payments without their consent or without notification. My grandma would say this is just plain stealing. 

Banks have been getting away with a lot of bad things for a long time. To make things worse the government keeps allowing all these mergers which have resulted in fewer options and less protections for the consumer. 

Thanks for your time. 

XXXX XXXX
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

When the pandemic started last year ( 2020 ) I contacted XXXX XXXX to request the deferment of my payments- due to COVID-19 and job-loss. XXXX XXXX was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and XXXX XXXX is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

In the last week of XX/XX/2021 ( XX/XX/2021 ), I tried to pay with my CareCredit card for a dental service given to my wife. The practice could not charge my card. They said that my card was not active. A few hours later, I called CareCredit at XXXX to find out what the problem was. I spoke with XXXX who told me that the card was closed for lak of activity. Hence, I applied for credit with CareCredit in their website, www.carecredit.com. The web site gave me a mssage saying that there was a problem and that I had to wait 7-`0 days for a letter from them. On XX/XX/2021, I received an email saying that my request was denied for the following reason : " High risk soure of application ''. I checked my credit report and score. I have a high credit score so I did not undertand what the probem was. Hence, on XX/XX/2021, I called CareCredit again. A lady told me that she did not know how CareCredit makes those determinations, and that it could even be a probem with the ip address of the computers, that something did not match. She recommended to either apply online again or send a letter to Synchrony bank. I want to avoid further problems and denials so I decided to get in touch with you. I would appreciate any help that you could provide. Thank you
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX and XX/XX/2021, I called Transunion to get my credit score and to view my report after being turned down for a refinance of my mortgage after setting up online account. I was told on both calls that u must pay {$.00} to see my credit score and if I wanted my report I must sign up for a {$24.00} a month membership. Once again, I told the customer service representative that I am entitled to my score and report after being turned down for credit and the other reporting agencies do not require this, I was quickly told Transunion requires the money. There should be no fee to see or get your credit score or report.
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I, XXXX XXXX have received a hard inquiry after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (AL)

Equifax i provided you a idenity police report from XXXX Police Department and a case number ( card ) attached for the Detective who is handling this Idenity Theft Case. By law you were to investigate and remove these accounts within 72 hours. I have contacted the FTC to step in and assist if no results. I filed a Ftc report # see attached. I live in XXXX, Al someone has been using my information in XXXX XXXX Nevada. And obtain auto loans, housing, loan in my name please remove these items immediately from my credit file. According to Section 609 these accounts have not been confirmed or validated as mine im asking immediately removal. 
XXXX XXXX XXXX XXXX XXXX XXXX New Mexico ( never been to XXXX ) XXXX / XXXX XXXX
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681 all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy closed account Non compliance with the request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NY)

I, XXXX XXXX XXXX, a consumer, demanded XXXX and Equifax to remove accounts off of my credit report. I have sent over four dispute letters, and one of them is an affidavit. The first dispute letter to remove the accounts described in the letter was on XX/XX/2021, the second dispute letter was sent on XX/XX/2021, the third dispute letter was sent on XX/XX/2021. Lastly, the fourth dispute letter which was an affidavit of truth, was sent on XX/XX/2021. 

XXXX and Equifax continue to violate my consumer rights due to their negligence and failure to comply. Both, XXXX and Equifax, violated my consumer rights under 15 U.S.C. Sec. 1681i ( a ), must complete the reinvestigation within 30 days of receipt of the dispute letters. As well as, pursuant to 15 U.S. Code Sec. 1681 ( b ) XXXX and Equifax does not have permission to report these accounts on my behalf. For violation I am entitled and seeking a total of {$2000.00} from each company. I have also sent and attached an invoice of {$2000.00} along with the affidavit of truth dispute letter as a result in damages.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TN)

I sent LTD FINANCIAL SERVICES a letter of proof of validation on XX/XX/2021. LTD responded with a letter that didnt provide/show proof of validation.LTD FINANCIAL sent me a old bill which is not a proof of validation per law. I sent a letter demanding removal due to LTD not complying with the law which states they most provide proof of validation and investigation within 30 days of my request.
Consumer complaint received 2021-11-03
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: Block, Inc. (CA)

i have been using the XXXX XXXX app for aproximatley 5-6 years, the last 4 years I have used the tax portion of the appt to do my taxes, here is why : 1. its easy 2. its free I Recently went in the XXXX XXXX app to pull up my Tax Documents from previous years due to me being in the market for buying a house. 
Know Credit Karma Prompts me to download the Cash App Tax app to get my Tax Documents. 
XXXX HAVE NEVER AUTHORIZED XXXX XXXX  TO GIVE MY TAX DOCUEMENTS TO CASH APP TAX*** This is very concerning to me. NOT only have i wasted days trying to recover my Tax documents form Cash App they are giving me a run around to get my Tax documents, and i still have not received them. there is a section on the Cash APP Tax app that list " DOCUMENTS '' however my tax forms are not in there. 

i have never authorize XXXX XXXX to give my tax documents to Cash app Tax. i do have supporting screen shots in my phone i can send the screenshots to an email if you wish to provide me with one.

i am already on my 3rd day trying to work with Cash App Tax and still have not received my tax documents. i want to sue them.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

I had filed a complaint against Wells Fargo Bank this is the complaint number XXXX. 
In addition, to me waiting on Wells Fargo to send the documents requested by the beneficiary bank which Wells Fargo prepared these documents, had me to go into a branch and sign the documents and I was told by a Wells Fargo Employee that they were not sending the documents and that I would have to file a police report. And that the beneficiary bank did not need these documents to send me my money back. 

Wells Fargo submitted a letter in response to the above complaint which was clearly false. On XX/XX/2021 they never submitted the documents for the Fraud and Claims Operations Analyst to sign them ( his name is XXXX XXXX ) . And the documents were never submitted to the beneficiary Bank ( XXXX ). I am told by XXXX XXXX and XXXX XXXX that these documents are all they need to reimburse me my money. 

Wells Fargo is deliberately not sending the documents and falsifying documents stating that they have.
Consumer complaint received 2021-11-04
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: MoneyLion Inc. (CO)

I got a alert on XX/XX/21 stating that my credit score has changed so I logged on to my credit journey and seen that there was a open account for Money lion that was opened on XX/XX/21 and I was late paying so my credit has drop. I immediately searched up money lions phone number I spoke to the rep explained to him that I never opened this account and never heard of money lion, He told me that someone opened a account and took out {$300.00} XXXX  and {$500.00} loan I asked him how do they just give someone money without verify someone information he said it was verified I asked with what information, He said he couldn't tell me that cause he didn't have that info, Makes no sense, I told him I wanted to speak with someone in the fraud department, he said he opened a claim and someone will contact me via-email within 7-10 days. I waited 20 days still no response, I once again contacted them still cant get a hold of anyone. I called again today XX/XX/21 because this keeps hitting my credit score I cant get a hold of anyone. This company is a fraud i have worked so hard to build my credit for them to be ruining it and no help to resolve this nightmare. I have contacted all 3 credit bureau and its under investigation. Hopefully this is resolved ASAP. Money lion needs to be shut down asap.
Consumer complaint received 2021-11-04
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. (WA)

XXXX XXXX dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX  submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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