davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like wells Fargo to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.
Consumer complaint received 2022-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (GA)

I have been calling Carmax Auto FinanXXXX for the past 6 months requesting a payment deferment due to contracting XXXX in XX/XX/2021 which left me in critical but stable condition 4 months due to my XXXX  XXXX and XXXX  XXXX XXXX. Then I contracted XXXX again in XXXX. I have requested more than once for Carmax to provide me at least a 3-month deferment to allow me the opportunity to catch up my payments but they keep stating that they don't offer any COVID relief options. I spoke to one representative that told me if I pay the 2 months past due that they may be able to defer one payment. So, I used my utility funds to make the two payments and then I called and spoke to a different representative, and we went through the processing of deferring the payment but the next month, Carmax still reported my payment as past due. Now, they are showing 3 past due payments on my credit report and harassing me with phone calls 4 or 5 times a day. It is ridiculous when I already explained that I need to defer some payments so that I can catch up. If I had {$780.00}. There is no point in them harassing me throughout the day with phone calls when they have been told more than once that I don't have the funds at this time.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

Recently I went to a free standing wells Fargo atm located on the other end of town related to where bank is. I have been a member of wells Fargo for many years to include a mortgage and even my sons recent teen account. After my experience I'm a drastically reconsidering this. I made a cash deposit of XXXX, the atm started having issues within a minute of deposit, and said the machine had jammed. Enter your deposit amt or best guess. I entered XXXX. The next day my funds were available. Yesterday in logging on to my account I noted a/an XXXX atm adjustment. Deducting XXXX from my account. I called and spent nearly 45 minutes getting passed around. Finally speaking to XXXX supervisor and the a XXXX XXXX in executive relations neither which could assist me. Rather they said I had to call atm acquisition department. Stating could take up to 10 business days to resolve matter. I expected more from my bank. I work hard for every dime I make and deposit into said bank.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

Equifax is reporting a name that i have never went by and the name is XXXX XXXX XXXX and the correct name that should be on file is XXXX XXXX XXXX and the incorrect should be taken off of my record and all the account that have the last name of XXXX should be taken off of my record please and thank you.
Consumer complaint received 2022-01-04
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: AMERICAN EXPRESS COMPANY (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX, AMEX XXXX )
Consumer complaint received 2021-10-19
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: ENCORE CAPITAL GROUP INC. (IN)

As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. MIDLAND CREDIT MANAGEMENT Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

LVNV funding has been trying to collect money from me on an account they do not own. It has been over XXXX plus days and I have not received any information from them or any validation showing me a contract between me and them or any wet signature. Please provide that signature or contract between us, if not, remove this information from my consumer report. I also never gave consent or any permission to Lvnv funding to report any false misleading information on my consumer report, this is definitely a violation of the XXXX.
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IA)

I never applied for Auto Financing with the following companies : XXXX XXXX XXXX on XXXX ; Ally Financial on XXXX ; XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX  on XXXX, and XXXX XXXX XXXX on XXXX. 
I dealt with XXXX XXXX Dealership but they did not have my authorization to submit these credit inquiry applications on my behalf. 
By XXXX performing this type of conduct that I did not consent to this caused damage to my overall credit score from these hard inquiries.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

i was in XXXX when fraud occured on my card, during this time 6 other cards where compromised and my cell phone number from XXXX was ported illegaly and the fraudster had my number for 38 days it took me to recover it while i was over seas to XXXX that even caused me further identity theft, citibank denied my claim bc they said i had knowledge which is false, citi didn't even bother to investigate, even though hotels and airfare was in the fraudsters name i called to tell them this they never called me back, i filed a police report and with XXXX, i called and someone who is a fraud investagator from india was supposed to call me and never did
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (AL)

According to the FCRA - accounts can only report for seven years and I have two accounts that are beyond the seven year reporting period. XXXX has removed these accounts ; however, Experian and XXXX have not removed the accounts as I requested in a written dispute over 30 days ago. The two accounts are the following : XXXX XXXX- past the seven year reporting period based on the date of first delinquency for a charged off account. 

XXXX  - past the seven year reporting period based on the date of first delinquency for a charged off account.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (AR)

I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being  reported late again. This is not my fault, but they won't listen.
Consumer complaint received 2018-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greystone Alliance LLC (CA)

My husband and myself gotten multiple calls from XXXX this past week. I was told that this is for a debt from XX/XX/2009. I was told that there was mail returned to them from an address that I moved from over 9 years ago. I was told that they have filed charges against me and threatened to sue me for this debt. I asked them about the statue of limitations and was told there is no limitations and they can sue me and put me in jail at any time. I told them I am not claiming ownership of this debt and would contact the CFPB for assistance. The last rep I spoke to was XXXX XXXX XXXX at XXXXXXXX XXXX.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (WA)

I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. 


XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX  XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Hunter Warfield claims that XXXX XXXX XXXX XXXX referred an account to them for collection on XX/XX/XXXX, listing the principal amount due of {$17000.00} but has failed to provide such proof as requested in my letter sent on XX/XX/XXXX. They further claim that an initial collection letter was sent to me on XX/XX/XXXX of which I was never notified. They state that verification of the debt was mailed to me on XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I sent a letter requesting that Hunter Warfield Validate not verify the validity of the alleged debt, including providing the following : The agreement with XXXX XXXX XXXX XXXX  that grants them the authority to collect on this alleged debt. 
Agreement that bears my alleged signature wherein I agreed to pay the creditor. 
Any insurance claims that have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I did not request verification but validation with my wet signature. 
I have never done business with Hunter Warfield and they have refused to provide the information requested in my original letter. Furthermore, the information being reported is inaccurate and pursuant to the Fair Credit Reporting Act ( FCRA ) If inaccurate information is discovered in your file it hast to be removed. The attached documents will confirm that this debt has been falsely reported. On XX/XX/XXXX XXXX XXXX XXXX XXXX voluntarily dismissed this alleged debt that they say I owe.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (HI)

XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (CA)

I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX  and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I made a {$480.00} payment to PayPal in efforts to keep my account under 30 % utilization. On XX/XX/XXXX after the payment processed they immediately decreased my credit limit by {$500.00} making me go back to 100 % utilization. 
Calls to their customer service were a series of transfers and stating that nothing could be done. The reasons Stated is that there are too many revolving accounts with high balance and that is literally what I was trying to resolve and they are being counterproductive to that. The only reason I made such a large payment was that I intended to use this as an emergency card during the pandemic and now I lost {$500.00} for essentially no purpose.
Consumer complaint received 2018-07-05
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: Experian Information Solutions Inc. (FL)

submitted a dispute with the account XXXX number XXXX but Experian instead of addressing the disputed account they went a head and deleted a non disputed item XXXX  account number XXXX. 
so in other words they claim to have updated the disputed account without showing any form of vefication and deleted an account that was not disputed.
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A few years ago I had several collection accounts from XXXX XXXX XXXX, which were reported to all three credit reporting agencies. After these account were paid in full, I was assured that these account would be deleted from all three bureaus, and they were. About a year ago ( XX/XX/XXXX ),   five of these accounts appeared on my TransUnion report. After noticing that they were not on the other two credit reporting agency reports I contacted TransUnion and asked for an investigation. The investigation resulted in the deletion of the accounts ( XX/XX/XXXX ). However, about two weeks later they were back on the report. This went on for about five ( 5 ) times over a four ( 4 ) month period. I have called XXXX XXXX several times in which they have informed me that first of all they stop reporting to the credit reporting agencies after a year, secondly, they don't give permission for deletion and turn around and report again, and thirdly, they report to all three bureaus, not only TransUnion. TransUnion is not cooperating with the investigation and continue to delete and re-report these account, and in the meantime, my score is affected by at least 60 points. I do not know where else to turn. Your help in this matter would be greatly appreciated.
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

To be honest I really want to sue Navient. I feel that the XXXX  school I attended lied to me.They pushed the idea that they had job placement and that after graduation i would get a high paying career and I believed that I would have no problem paying these loans back. I feel that I was preyed upon by these lenders just because I wanted to get a higher education. When it got difficult for me financially they tried pushing deferment or forbearance, without really explaining the consequences if I choose this option. I eventually leaned that all this did was increase my debt and compound my interest exponentially to an amount I did not expect. Every available option on the table to repay this hasnt really worked for me. I am asked to pay {$570.00} a month but due to my inability to pay as they see fit now the monthly payments are as much as {$4000.00} a month which I dont have. 

I will also like to state that these lenders or banks are committing fraud against the public if what I learned is true. It seems that the Banks don't lend money. They buy your promissory note i.e. security. They are in the business of purchasing securities not lending, according to modern money mechanics. So if a promissory note is viewed a negotiable instrument meaning that it is used as money and sold for the value listed thereof to other fanatical institutions it is fraudulent because we are led to believe that we owe our lender money when in fact they owe us.
Consumer complaint received 2018-07-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

this company alleges that i owe XXXX dollars but refuses to send me an original contract with my name and signature to verify the debt. ive tried to reason with them for months. the only thing they sent was a photo copy of something that i didnt even recognize. my next step is small claims court.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.
Consumer complaint received 2024-11-18
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. (AZ)

I am filing this complaint to report fraudulent activity on my credit report. I have already taken the following steps : XXXX. Filed an identity theft report with my local police department ( attached ). 
XXXX. Completed and submitted an FTC Identity Theft Report ( attached ). 

The accounts/items listed below were fraudulently opened or misused in my name without my knowledge or consent. Despite my filing of a police report, I have noticed additional accounts and/or items being reported on my credit file that are unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to those accounts theres an inquiry for XXXX as well.