davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NM)

I filed case No. XXXX with your agency against Mountain America Credit Union and their loan servicer XXXX. 

Today, XX/XX/2021 I went onto Mountain America 's website, signed into my account to make my mortgage payment and my access was removed, I was not allowed to make our payment. The message I received was " One Time Payment Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX ( XXXX ) XXXX with any questions. '' I called XXXX, which directed to XXXX and spoke to XXXX in the Bankruptcy Department. XXXX stated because we filed bankruptcy they would not take our payments. I stated we were not behind on our payments, we had never paid late, and our mortgage was not listed as a debt to discharge. XXXX and Mountain America are refusing our payments to place us delinquent and trying to illegally force us into foreclosure. 

Talk about retaliation for our complaints against Mountain America Credit Union and XXXX refusing to remove the PMI from our loan in complaint # XXXX.
Consumer complaint received 2021-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Inquiry on my credit from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. This was not suppose to be hard inquiry. I was told to be pre-approval only. 

Also I am not familiar with COAF on XX/XX/XXXX. No knowledge of this creditor.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (MI)

Good evening, I am reaching out because I seen two incorrect reports on my motor vehicle report. Unfortunately my XXXX XXXX drives without a license and when she does get pulled over uses my name. At the time of both of those incidents I was working. I have been trying to work on getting my record clean and free of any reports made to it. I think its very unfair to me that I have these incidents on my report seeing as I wasnt the one that received them. I have points on my license for something that I did not do. Not once did the officer think to check her id because if they did they wouldve seen that she isnt me and not even close to. I just want to be able to remove those two because I did not in any form authorize for her to use my name, address, or lie on my license. Please help
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for the card with the welcome bonus but upon application I was told that I would not be eligible for the welcome bonus. So I cancelled the application but due to some technical glitch on AMEX 's website the account was opened anyway. I immediately closed it and rejected the account terms. I respectfully request that it be removed from my credit report because it was opened due to AMEX 's error
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

CREDIT SYSTEMS INTL IN is reporting 4 accounts on my consumer credit report. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor. this company is furnishing unauthorized and inaccurate information on my credit report that would be resulting to identity theft.

The 4 accounts that are being reported : Account number : XXXX XXXX {$63.00} Account number : XXXX XX/XX/15 - {$120.00} Account number : XXXX XXXX {$250.00} Account number : XXXX XX/XX/15 - {$170.00}
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 — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Penfed screwed up my home equity loan, and reported me late on a payment in XX/XX/2021. My original account was with XXXX XXXX XXXX XXXX. XXXX closed and transfered all members to Penfed FCU. Pedfed had troubles getting my home equity loan migrated to their system. I repeatedly called them in fear of being marked late. They assured me that would not happen. A day or two later, I received a phone call from Penfed that I was late on my account. I made that payment with that caller immediately, but not before Penfed already reported to the the credit agencies. I was not late, and Penfed agreed that it was their fault. I have a letter from Penfed acknowledging their error. But they had already reported it to the credit agencies. The letter dated XX/XX/2021 states that they will correct error and have my accounts through the agencies cleared. As of this writing, XX/XX/2021, the credit agencies still show that late payment, and have reduced my credit rating. I've tried to contact Penfed, at this time there has been no response.
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: Santander Consumer USA Holdings Inc. (GA)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1681 says It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Fact, XXXX is aware that SANTANDER CONSUMER USA accessed my consumer report through XXXX on XX/XX/18 and XX/XX/18 without permissible purpose as required by the 15 USC 1681b ( FCRA ). 

Fact SANTANDER CONSUMER USA acted negligently and willfully violated federal law, which is evidenced by the deletions of the inquiries.
Consumer complaint received 2021-11-04
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. (MA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (FL)

The issue first began in late XXXX. I made a payment like I normally do and noticed that it said I was still a few cents overdue. Thinking I had made a mistake, I went and made a payment for the few cents that was considered overdue. It still told me I was a few cents overdue, no matter how many times I tried to make that payment. 

Upon speaking with the first individual at Upgrade, I was told that the issue would be resolved within a few business days. My account was considered delinquent because of this issue, and was on the border of being reported to the credit bureaus. They assured me that they would send a form in to fix that. 

My account never reflected these changes, and soon my next payment was due. Upon making this payment, I ran in to the same issue. It said that my account was XXXX cents overdue. After several calls and several long conversations where I was assured that this issue was fixed, I am still XXXX cents overdue, considered 29 days delinquent, and nothing has been done to rectify it. 

After hours of being on multiple phone calls with different representatives over the course of a few weeks, I managed to get escalated to a team lead who informed me that she could not escalate me to anyone, that no one was able to fix my issue for me while I was still on the phone with them, and that ultimately we just had to wait on the processing team to fix the issue. The same processing team that still hasnt fixed the issue in the last month and a half. 

I have not been able to use my card because it says that Im overdue ( even though Im very obviously not ). My account will be considered late as of tomorrow and be sent to the credit bureaus, even though I AM NOT. I am very tired of calling them and being lied to. I dont take making a complaint like this lightly. This is absolutely crooked and Im fed up with it.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (GA)

i was told that i need a down payment on my car, so i put XXXX down payment, however pursuant to 15 usc 1662b ( no advertisement to aid, promote or assist directly or indirectly any extension of consumer credit may state ) also the seller bmw of gwinnett place and bmw financial has a lien on my bmw and is forcing me to make monthly payments or they will repo my car.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a {$4600.00} dollar check from the XXXX XXXX. On XX/XX/2021 I deposited that check. when I went to go get cash out I found put that bank of America placed a 10 day hold on it. At first they told me that the check was no good. After calling the XXXX  XXXX XXXX office I found out that they had released the funds to bank of America and they were lieing about the deposit. O told them that my rent is going to be late if they hold my check for 10 days. Then bank of America got sarcastic and said that it was for my own good. The check was never bad because I called back bank of America and told them that the funds were with bank of America and they could care less. they are holding this check for their own good not mine. I'm going to be late on my rent and bank of America could care less all they want is fees. Can someone PLEASE HELP
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

I am a Citi Bank debit card holder. I wanted to transfer my rent to my landlord from CITI bank to XXXX XXXX. I finished my wire transfer on XXXX XXXX and It is already XXXX XXXX. My landlord still di n't receive money. Citi didn't give me an explanation and solution to this. 

The transfer is on : XXXX, XXXX Wire transfer : CITI BANK Amount : XXXX $ Status : not transferred
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC (IL)

Fairway Capital Recovery called my personal phone number about collecting debts on behalf of a sorority that I quit years ago after I had already left the organization. They said that if I didn't pay the debts that my credit score would be damaged and asked for my email address and home address to send more collections to. They refused to tell me when my credit would be affected and give me verification of my debts.
Consumer complaint received 2024-08-23
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. (GA)

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account name : XXXX, Account number : XXXX
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 — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I originally sent a dispute out to all 3 bureaus ( XXXX, XXXX, and XXXX ) to have Kia Motor Finance and XXXX accounts removed from my credit report do to false and misleading information on my report/file. XXXX is reporting that I owe {$18000.00} and Kia Motor Finance is reporting that I owe {$11000.00}. XXXX immediately deleted all the following accounts from my report because they knew they didn't have my consent to actually report these fraudulent accounts on my report/file. XXXX & XXXX haven't budged one bit one removing these accounts from my report even though I filed and FTC report as well. I was on the CFPB website and I read something stating " Credit reporting companies must forward your dispute, including all relevant information, to the furnisher ( the company that originally gave the information to the credit reporting companies ). if the furnisher corrects your information because of your dispute, it must correct that information with every credit reporting company with whom it has a relationship ). These accounts do not belong to me and also there was NO consent given to report anything on my credit profile.
Consumer complaint received 2021-09-07
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NC)

On XX/XX/2021, I started receiving emails from a company called Moneylion thanking me for opening an account .... the problem is that I didn't open an account with them. I immediately contacted the company to let them know. They claimed they couldn't do anything about it and I had to contact their Fraud Dept. the problem is they gave me 3 different numbers, none of which ever lead to talking to a person. 

They used my email to set up the account, so I was able to go in and reset the password. Unfortunately, I am unable to determine what had already been done. The phone number used to verify the account is not mine but still remains on the account because they will not allow me to change it.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

On XXXX at XXXX there was a charge from my Cash App card for XXXX that o did not make or authorize and at XXXX another unauthorized payment was taken from my account for XXXX. Both unauthorized usage went to XXXX Store in XXXX, Texas. I tried reaching the merchant by phone but they only have a chat support service. I did the consumer chat service and explained why I was calling they told me that they show no charges for the money I reported was to XXXX  Store. I called Cash App again and reported what the merchant told me. Cash App sent me a long list of things that I needed to file with them for my case. I promptly fill out their needed information and sent it to them completed. That was done on XXXX, now today XXXX they sent me another long list which asking if I filed a police report. I did contact the police here in XXXX, Texas where I live and filed a report but Cash App wanted a copy of the report in full detail sent to them also. The police told me that they have never heard of a company request for a copy of a report sent to them. But the policeman gave me his name, badge number and phone number and me to give Cash App this information and they could call him and hell give them the information they need about the report. But I cant reach Cash App to give them the answer to what the policeman told me because a recording from each time I called says that they have a high volume of calls and to request a call back to the number I dialed from. Well I did that and they did call and asked me what problems I was having. I told them about what was happening and I wanted an update on the case I file with them concerning my money missing from my Cash App account but the phone went silent and I got no response from them after asking was they still there 3 times I hung up. Social Security is all I get and to have this money fraudulently and unauthorized taken from me is very serious, they took all of the XXXX cents I deposited in my Cash App account and now they seem to be ignoring me or sending me more questions about why I need to fill out more paperwork. I need help retaining my money back from my Cash App Visa Card. I have a medical trip out of State and that money is needed badly for this medical trip. Please help me.
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: EQUIFAX, INC. (NC)

Account XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) was paid in full and communicated to consumer ( myself ) that it would be deleted from credit reports by reporting agency, but still shows on my credit report
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: TD BANK US HOLDING COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to REMOVE immediately. Here is the incorrect account : TD BANK USA/TARGETCRED XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX -Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX