davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
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: Investment Retrievers, Inc. (AL)

I have attempted to communicate with Investment Retrievers on numerous occasions dating back to XX/XX/XXXX. In XX/XX/XXXX, I retrieved a copy of my credit reports and noted that this company was reporting an entry on my credit reports that had inaccuracies. To that end, I submitted a letter to them dated XX/XX/XXXX. I did not receive a response from this company. Please note that I have never did any business nor have I ever signed any contracts with this company. My second attempt at communicating with this company was as recent as XX/XX/XXXX. In the letter that was sent, I again requested that the company provide documentation to support what they were reporting was validated. To date, I have not received a response. 

Also note that I have disputed this entry with XXXX and XXXX alike, yet they confirm that it is verified. My question and concern is how are the bureaus receiving notification from this company to the extent they are able to verify the account entry, yet the company has failed to respond to my disputes on multiple occasions. Additionally, duly note that ALL correspondence I sent was sent certified with a return receipt. Investors Retrievers did indeed receive the letters, yet they did not respond and have not responded to date. 

As such, my request is for this erroneous, inaccurate, unverifiable entry be deleted from my XXXX and XXXX reports. XXXX deleted this inaccurate entry in a previous dispute, which again raises concern as to how and why these other two bureaus are still reflecting and reporting. 

DELETE THIS ENTRY IMMEDIATELY!!
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a XXXX XXXX XXXX at XXXX XXXX ( XXXX ) as well as got in a XXXX XXXX XXXX XXXX ( XXXX ) extended warranty contract there on XX/XX/XXXX. I was told by the finance manager Will that I could cancel within 30 days of the contract without any penalty fees. The amount of the extended warranty contract was {$1500.00} with payments of {$25.00} per month for 60 months. My XXXX XXXX XXXX XXXX Policy was cancelled on XX/XX/XXXX in which I was informed on XX/XX/XXXX by a XXXX XXXX XXXX representative that the balance they sent over to the dealership ( XXXX XXXX ) was {$1400.00} which was minus the cancellation fee of {$75.00}. Capital One Auto Finance ( XXXX ) who works hand in hand with the dealership informed me that only {$1300.00} was applied to the interest and principle of my car as of XX/XX/XXXX. That {$1300.00} was in the amount of two payments of {$910.00} and {$390.00}. The dealership also did not inform the bank that the payments were for the extended warranty, so the amount accrued interest. I have been contacting the finance manager regularly since XXXX and have been leaving voicemail messages and HAVE NOT received a phone call or a response. I have been getting the run around and am very upset. This company appears to be a total ripoff.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. 

Debt reported : XXXX XXXX XXXXXXXX - {$3000.00} Capital one - {$6100.00} Capital one - {$8800.00} Capital one - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AL)

I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}.

Please remove these items from my credit report. I have a contract on some property.
Consumer complaint received 2018-06-07
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: Dealer Funding, LLC (NC)

I TRIED CALLING BOTH XXXX XXXX XXXX AND XXXX   XXXX TO LET THEM KNOW I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND THAT I WAS A VICTIM OF IDENTITY THEFT BUT THEY DISREGARDED THAT CONCERN. IVE NEVER HAD A CAR LOAN BEFORE SO THERE IS NO WAY THIS COULD BE MINE. I NEED THIS REMOVED AS SOON AS POSSIBLE. THIS IS NOT MY DEBT.
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX XXXX XXXX with the Case Number XXXX and the XXXX XXXX XXXX with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : 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 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : 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 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : 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 To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
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. (PA)

After receiving response that my account/debt was verified. I sent in a XXXX  letter on XX/XX/23 to all XXXX credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (CA)

I have recently applied for a mortgage to buy a house and my credit was pulled. On my credit it shows that I was late on three of my home mortgages which is not correct. My mortgage is set on automatic payment with my bank and the three late payments was during the pandemic that we had deferment payments period and during those periods we show one late payment. Plus two others that is the bank 's mistakes. My account was compromised as well and I opened a new account but the bank did not make the changes on time to pull out the money from my new account therefore showed late payment. They promised that they would reverse these late reports but they have not done that. This was supposed to be taken care of by my account manager but he has not done his work. I am disappointed that the banks mistakes have affected my otherwise perfect credit score. I have been current with all my mortgages including my commercial mortgages. This is not acceptable.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I deposited {$29.00} in CASH to cover my ACH debit for LIFE INSURANCE POLICIES in the amount of {$28.00}. On XX/XX/XXXX my " personal checking account '' showed a balance of - {$0.00}. On XX/XX/XXXX, there was an added {$34.00} for NSF fee 's assessed to my " personal checking account ''. I am DISPUTING, CHASE BANKS ongoing unlawful practices of discrimination and " UNFAIR DEBT COLLECTION PRACTICES! '' that have absolutely NOTHING to do with me, my " personal finances '', my " personal CASH deposits '' or my " personal checking account ''. ALL SUPPORTIVE DOCUMENTATION WILL BE FAXED TO THE CFPB ( ALL PERSONAL INFORMATION SUBMITTED FOR THIS COMPLAINT IS FOR THE CFPB ), NOT FOR THE BANK 'S USE!
Consumer complaint received 2018-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

To Consumer Financial Bureau Compalint against XXXX XXXX. 

We used care credit for a patient XXXX XXXX. His " uncle '' XXXX XXXX had the care credit account. When we printed the form we found out that XXXX XXXX was not authorized to sign. We contact XXXX XXXX and he was added to the account my XXXX XXXX. On XX/XX/XXXX we called and spoke to care credit and it was verified that XXXX XXXX was authorized to sign the form. 

Sometime in XXXX XXXX XXXX and XXXX XXXX had a falling out and XXXX XXXX complained this was a fradulent charge which is not true. XXXX XXXX called care credit to state this. Phone calls were recorded. Care credit now state because the form was printed on XX/XX/XXXX and not reprinted on XX/XX/XXXX that XXXX could not sign. They could have informed us in advance of the need to reprint the form. They tried to remove the funds from XXXX XXXX XXXX a XXXX XXXX Corporation which we have protested. 

When they could not get the funds they proceeded to try and debit a different corporation XXXX XXXX XXXX XXXX, XXXX a XXXX XXXX corporation. This would seem to violate banking laws to take money from one coroporation to pay disputed funds of another. This crosses state lines as well. 

XXXX XXXX uses these predatory practices against the merchants. They should honor the payment and be subjected to fines and investigation for the cross corporate attempt theft. 
Also many phone calls etc
Consumer complaint received 2018-06-07
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)

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX  and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (NJ)

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned. 

Payments collected after charge off date : 1. XX/XX/XXXX - {$150.00} 2. XX/XX/XXXX - {$150.00} 3. XX/XX/XXXX - {$150.00} XXXX. XX/XX/XXXX - {$150.00} 5. XX/XX/XXXX - {$150.00} 6.  XX/XX/XXXX - {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MN)

XXXX created an account in my name and sent me a direct deposit form. I never opened an account with them. They had my real name and email address. The last XXXX digits of the phone number that was used to open the account is not mine and the address is in the same state as me but address is not mine.
Consumer complaint received 2023-11-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (NV)

My bank is charging overdraft fees erronously and instead of fixing the problem they are sending me back to the branch. 

I initially had an overdrawn account but went into the branch and made a deposit to bring my account positive. I have included the reciept that shows I had a positive account, later that night i get a email saying i have overdraft fees. When I call to address the fees XXXX the supervisor directs me to go back to the branch to rectify the problem. 

Overdrawn -XXXX made deposit of {$460.00} in branch made 2 additional deposits of {$20.00} each Bringing balance to {$27.00} then around XXXX i recieve notice of overdraft and nobody can explain how.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

During a XXXX XXXX drill weekend I was injured on duty and received hospital work for the next three days. The military booted the bill for the entire stay with the exception of a single XXXX. That single bill took approx. 2 years of getting re-directed and asking the right and wrong people before finally being paid. 

My issue is that during this time, the hospital referred this debt to a debt collection agency they partner with and I am worried about how this has affected my credit score. What I want to know is how exactly I can argue any delinquent debts that were not mine to pay for in the first place. 

Besides the actual debt collection statement itself, I have multiple contacts from both XXXX ( military insurance ) and a liaison from XXXX ( general military help site ) to corroborate with on this story and would be able to provide contact information whenever necessary. 

Thanks for any and all information, all the best.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Overland Bond & Investment Corporation (IL)

My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.
Consumer complaint received 2018-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately. 

Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.