davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: JPMORGAN CHASE & CO. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX XXXX, and XXXX/XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX Services Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

Again Freedom Mortgage is not and has not complied with FHA guidelines on my mortgage. Ive been complaining to CFBP and sending monthly loss mitigation pkgs back and forth and every answer from Freedom Mortgage is the same.no matter what my financial loss is Freedom Mortgage wants the same information. The last phone call from Freedom Mortgage was an agent telling me she needs to verify I gave a bank account or not, so I called XXXX XXXX and hit the checking account verified that I dont have an active checking account account with XXXX XXXXXXXX. Im including all parties information for that call and the last letter in response from Freedom Mortgage for my loss mitigation application. SEE UPLOADED DOCS.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

I opened an account via telephone with Navy Federal ( NFCU ) on XX/XX/XXXX. I deposited {$100.00} and distributed the amount between checking and savings accounts. I did not receive a debit card that NFCU claimed was mailed to me. There was fraud on my account with NFCU on or about XX/XX/XXXX. Someone deposited a third party check to my a/c and made several withdrawals. When I noticed I call NFCU and filed a claim. Subsequently, NFCU denied my claim and contended that there was no fraud and that I benefited from the fraudulent transactions. My accounts are now approximately {$1700.00} in the red which NFCU is insisting that I am responsible for. I made none of these transactions, nor did I authorize anyone to make any transactions with my accounts. I have not benefitted in any way from these fraudulent transactions, whether deposits or withdrawals.
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (TX)

I was victim of fraud with a Best Buy visa credit card from from my property that was stoled on XX/XX/2020, the bank didn't help and im sending the police report to re open the case, I've been taking care of the situation with the police department and they are moving forward with the investigation watching all the cameras at the stores to find the responsible of this. but my card must be at XXXX $ again. because im not responsible for any charges that month and I need the sooner respond. my best regards. XXXX XXXX.
Consumer complaint received 2021-02-25
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: WELLS FARGO & COMPANY (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX RENTAL SCREE Inquiry : XXXX XXXX, 2020, WELLS FARGO XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.
Consumer complaint received 2021-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

To Whom It May Concern : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 


At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Theft Please review the security interest section of your contract ( The security interests secures all obligations which may become due under this contract. This means the alleged debt is paid and you are trying to collect a paid alleged debt from me, against the law. According to 15 USC 1692g, Validation of Debts.

Also, please review when NMAC shared alleged debt with debt agency they broke the law and infringement of consumer rights to privacy under 15 USC 1692b, they are able to sell the alleged debt but not information, view attachments.

In the example, you can clearly see the debt collected that NMAC gave the alleged debt collector and any information obtained will be used to do so. The consumer information violated under 15 USC 1692, when they sent me a letter with their logo and stated they were trying to collect an alleged debt. 15 USC 1692e ( 11 ).
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit for the whole month of XXXX every week have been increasing my debt by {$1.00} then next week decrease it by $ {$1.00}. This is absolutely ridiculous and illegal. My score I has just decrease 39 points because of this tatic they are doing. I dont own that account and they has no right accessing my ctedit file to do this tactic. I will include proof of whats happening and I want them held accountable for this
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/2020, I received in the mail a Cash App Visa card that I never applied for. 

2 weeks prior, a Cash App withdrawal and other withdrawals were fraudulently taken from my bank account, which my bank immediately corrected. 

I am suspicious that what happened 2 weeks ago is connected to my receiving an unapplied for Cash App Visa card. 

I can not contact Cash App by phone or email as I have searched for a number. I want NOTHING to do with Cash App ... NO ADVERTISEMENT ... etc.! 

At this point, this company has my name on a Visa Debit Card, with an account number, expiration date, and CVV # wanting me to  activate. 

Since I can not contact them, how can I be removed from their company?
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (IL)

On XX/XX/XXXX, I initiated bank deposit transfer via Xoom of US {$990.00} to a recipient in XXXX XXXX, transaction # XXXX. On XXXX XX/XX/XXXX, Xoom reported the transaction completed. The recipient has consistently stated the deposit was not received. I have contacted Xoom by both email and telephone multiple times. Each time, they simply state the " transaction was processed successfully. '' I have asked for proof of deposit along with details of the account where the money was deposited. They have yet to provide proof. Instead they insist on the recipient providing a bank register/statement. Today, XXXX XX/XX/XXXX, I received an email from the recipient 's bank manager stating the account has been closed since XX/XX/XXXX. I forwarded the email to Xoom and again asked Xoom to provide proof of the deposit. In response, they again refused. My recipient must have provided details for the wrong account, since it had been closed but I am unsure why my recipient provided details for a closed account, but how is it possible to deposit funds into an account that has been closed for three years? And why is Xoom resistant to providing evidence and proof of the successful deposit? I have provided Xoom with the bank managers email account so they can contact the bank directly, but Xoom appears to refuse to take any further action.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony bank lowered my limit from {$700.00} to {$300.00} XX/XX/21. Card was not used and they reported card over limit on XX/XX/21. It is my understanding this should not happen for 45 days after the limit was lowered.
Consumer complaint received 2021-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc. (NY)

I opened an account with XXXX XXXX XXXXXXXX XXXX back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called XXXX XXXX XXXX XXXX on XX/XX/2020 to have XXXX 's payment deferred, which was granted by XXXX XXXX XXXX XXXX. I then called XXXX XXXX XXXXXXXX XXXX  again on XX/XX/2020 and asked that XXXX 's payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call XXXX XXXX XXXX XXXX once again on XX/XX/2020 and ask that XXXX & XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I wound up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX & XX/XX/2020, I also have a late payment for XXXX & XX/XX/2020 and that is totally incorrect! XXXX 's payment was made on time and XXXX 's payment was made six days late but it clearly states on XXXX XXXX XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX AUTO Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

15 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I have sent correspondence to the relevant parties more than 30 days ago, but have not received any response, nor have they adequately validated these entries. I am seeking your help to address this issue.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I been having a fraud alert on my XXXX  credit report for a while. Due to many fraudulent accounts that been open without my consent. I'm not for sure if it's either on are reporting to all three credit bureaus. These credit card are open fraudulent without my permission. What's being reported is inaccurate and please remove these fraudulent accounts on my credit report immediately. Here they are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!