davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the of accused collections account and date FOLLOW XXXX XXXX XXXX on XXXX XXXX for the amount of {$250.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW XXXX is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures 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
Consumer complaint received 2021-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX  on XXXX XX/XX/2021. 
On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX  to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. 
On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. 
Today is XXXX XX/XX/2021 and funds are still not available to me. 
I feel that Navy Federal is using my money illegally over two weeks and I am suffering.
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (TX)

Ally financial falsely reported a balance on our account. We never received any statements as the address on their file was incorrect. At the time our credit report was pulled for an application for a mortgage this account came up. We contacted Ally several times and were transferred to their collections company every time. They were unable to provide a detail of the balance on the account. The dealership was able to provide an old copy of the statement showing that the balance being collected was for property taxes. They also provided a copy on our file which is an Affidavit which was signed at the time of the lease showing the vehicle is leased for personal use and no taxes should be collected. We have provided this documentation to Ally financial as well as the Collections company. There has been numerous attempts to get this corrected in a timely manner as protected by the FCRA. This is causing a negative report in our credit score, a delay in our loan, and an increase in our interest rates. 
Im attaching the statement, and waiver. I can also provide all the emails that were sent both to Ally Financial and the Collection company with the documentation to correct the account.
Consumer complaint received 2021-08-18
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. (GA)

I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

My Experian credit report has a name listed XXXX XXXX XXXX XXXX XXXX that I have never used. My middle name is XXXX and I have never used any other middle initial than " XXXX. '' When I went to the Experian website I was told to call XXXX. Name correction requires special attention. However, the telephone number does not allow the Consumer to choose " dispute resolution '' and does not allow the Consumer to talk to a Customer Service Agent. Moreover, searching provided a mail address ( XXXX XXXX XXXXXXXX, XXXX TX XXXX ) but it also said I must mail a special form -- and that form is not available anywhere!! 

So, I have no way to call, or write, in order to get my name corrected!!
Consumer complaint received 2021-08-17
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. (WV)

I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX fraudulent charges made on account. ( XXXX ) ( XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) This is my second request please remove the above accounts and send me a new credit report showing these corrections.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian said that XXXX XXXX XXXX and XXXX XXXX  account was verified as correct. I want to know how did they verify this information? Because it is absolutely incorrect. I have no knowledge of these accounts. These are not my accounts. If they can not show me proof of verification then i want these accounts deleted from my credit report immediately.
Consumer complaint received 2021-08-17
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-08-18
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. (MS)

On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account instead just disabled my actual account. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ingenuity RM, LLC (MN)

XXXX XXXX from Ingenuity RM , LLC is filing a judgement against me for a debt that is under workers comp. this debt is going to be paid in full when workers comp picks up my case. XXXX XXXX is harassing and trying to garnish wages from a employer i don ; t even work for.
Consumer complaint received 2021-08-17
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-08-17
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: Lending Club Corp (OK)

I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. 

Account Name : XXXX  Account Number : XXXX Account Name : Lending Club Corp Account Number : XXXX XXXX. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 

2. The date of last activity you are reporting for the below accounts dont match. 


The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof.
Consumer complaint received 2021-08-18
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)

When my sister went to purchase her car in late XXXX ( XX/XX/XXXX ), the dealership pulled her credit. However, in the process, Equifax pulled my credit as well, likely because her credit report is intertwined with my own. 
Since I was obviously not the one who agreed to the credit pull, I first called Equifax in XXXX to dispute the two hard-pulls from XXXX ( Equifax dispute # XXXX ). I explained that it is likely that Equifax have me and my sister mixed up in their system. When I asked Equifax to remove the hard pull from my end, Equifax told me the dealership and the XXXX must be the ones that initiate the request electronically. 
So I called the said dealership and told them about the situation and asked them to do what Equifax told me the dealership would need to do. However, when the dealership called Equifax, Equifax told them that the request would need to come from my end as a dispute. 
Upon hearing this, I once again called Equifax to verify, and Equifax repeated what they had told me before, that the dealership and the XXXX need to initiate. I again relayed this information to the dealership, but again, when the dealership inquired Equifax, Equifax told them I need to do it through a dispute process. 
I find Equifax being the dishonest party here since Equifax is telling me and the dealership conflicting information, to my eyes, to avoid taking the responsibility.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NH)

Dear CFPB, In XXXX of 2021 I called GM finance and informed them because of covid I would be out of work for a few months. I informed GM for covid forbearance for my truck payment. And they informed me that there would not be late payments until I reached out again. During this time I was seriously struggling to feed my family because of a job layoff.

I would like GM finance to honor their word that they gave me. Their lack of action make me feel taken advantage of by GM finance as I have recently gotten out of the XXXX XXXX.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finiance has failed to report my loan as satisfied to the credit bureaus. This was a 5 year loan that was paid off approximately 1 year early in XXXX of 2020. All three Credit Bureaus ( XXXX XXXX, XXXX  and XXXX  ) are showing an account balance of XXXX still pending.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes I'm having hard time making payments on 3cards on my cards due too hardship and bills I'm on XXXX also living paycheck too pay check. Im hoping they can do deffered payments on my account so I can catch up down the road. I am on there special program. But they still charge interest on them. Late fees also.
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

Sunwest mortgage bank, repeated checking my credit. They did not do a look or soft pull, Sunwest made my scores go down drastically. Than told me you cant get the loan anymore because of your score. I called all 3 credit agencies all 3 stated the inquiries from Sunwest made my credit score drop. So Im stuck with a low credit score and no loan. My entire experience with this Bank has been nothing but excuses and reasons not to give me a loan.
Consumer complaint received 2021-08-17
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. (VA)

I have reached out to Transunion multiple times to notify them they are reporting inaccurate items on my consumer report. In addition, I have advised them I have NEVER given any written consent to them or any other agency or third party agency to report any items on my consumer report. I also provided them the FCRA laws that they are violating and advised that they are directly violating my rights. 

NO CONSENT IS IDENTITY THEFT! 

ACCOUNT NAME : XXXX XXXX XXXX/XXXX DATE OPENED : XX/XX/2020 REASON : UNAUTHORIZED
Consumer complaint received 2021-08-17
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. (GA)

Experian continues to blatantly ignore my account disputes, they will not even do a proper investigation, I submitted a cfpb complaint a few days before, stating my problems they responded with an answer that didn't have nothing related to my request. They claim to do a reinvestigation. Their " reinvestigation '' took less than 4 hours before they verified these account again without providing me proof of their accuracy. I have proof attached photos of their 4 hour investigation. They are reporting inaccurately on MY credit report, and I have no say whatsoever, This is COMPLETELY unfair and unconstitutional, I asked them on multiple occasion to please do a proper investigation they investigation they did took less than 4 hours, How fail to see how in any situation is that adequate enough time to do a thorough investigation. They claim they can not remove these account because I they say they belong to me, I asked them to provide me validation of debt for proof, they have not. Also, they accuse me of working with a credit repair company, I have never in my life hired a credit repair agency. I have proof to backup every word in the complaint attached with this complaint, Experian continues to report invalidated account on MY credit report without proof, and I don't have a say. Experian is in proper violation of the FCRA. This is unfair.
Consumer complaint received 2020-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MS)

I have verified my Cash App mobile account by providing the last four digits of my SSN, a full picture of my driver 's license, and even a picture of myself to Cash App. However, now Cash App is claiming that I must allow it access to my contacts to verify my identity. This request is a blatant violation of my privacy rights as an individual and a consumer. There is no reason Cash App would want this information other than to profit from it. I am absolutely willing to easily verify my account by providing additional information, but requesting to sync to my mobile phone 's contacts is completely inappropriate and fraudulent. This is wrong and Cash App should never ask for this information.
Consumer complaint received 2019-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

On XX/XX/2019. I sent money to what was supposed to be a business called official XXXX XXXX. I learned through them on XXXX. It's a business which provides clothing and accessories deprived off of cannabis strand names. However I semtonry through cash app to $ XXXX and never received my product or any further contact. Cash app should be liable for all assets not received.
Consumer complaint received 2021-07-30
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: CITIBANK, N.A. (PA)

on XX/XX/2021, i sent my second letter to the creditor disputing the unauthorized inquires made on my account. I would like to take legal action if this fraudulent item isnt removed from my credit because its having a major effect on my current score. thank you for your help.