davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: United PanAm Financial Corp. (SC)

Prior to todays payment my loan was 54 days past due, and prior to this month I was able to make payments on line even with the loan being over 30 days past due. I try to make a payment today and there system has barred me from making payments online, I would have to call and make a payment for a fee or go into one of their payments hubs to make a payment for a fee. I have never had a returned payment so I called asking why and I was advised its because my account is two payments past due and several other institutions do this, even though they werent doing this prior to this month. I was charged almost XXXX dollars to make a payment. Also I was told the only option I did not have was using ACH, the free option, because I needed to secure the account Using credit, debit, or cash at a location. But their online system accepts debit and credit so I could have secured the account the same way without calling.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-24
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: Chime Financial Inc (CA)

On my credit builder account with the company chimes bank I overdrafted my account by {$21.00}. I have tried to pay the account but chimes has stated I am unable to do that because the account is closed. I asked them how would I pay it off because I do not want it on my credit report. They had told me I cant. Ive been dealing with them since they closed my account which happened in XXXX, 2022. After so many calls on asking what can I do they had brought my account statement to {$0.00} which means it was paid in full. It still shows on my credit report that I owe them {$21.00}. I went to the XXXX credit bureaus, XXXX, XXXX, XXXX, and filed MULTIPLE disputes on regards to incorrect information on my credit report with chimes banking. Every single dispute was denied by chimes. I would call chimes asking why would they deny my dispute and they stated they cant do anything about it. I asked for bank statements and also a letter stating I dont owe them anything. I was able to receive that from chimes. I resubmitted my dispute with the documents I received and still was having my dispute denied. No changed to my credit report and still shows I have XXXX XXXXXXXX with chimes. I will provide the documents needed to help my case, please help, I dont know what to do anymore
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (VA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-24
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. the notation of the following late payment ( s ) and charged off total balance is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. USAA XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If you are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws15 USC 1681i, 15 USC 1681s-2 ( a ), 15 USC 1681s ( b ) In addition to that, I was never provided with the Opt Out option under the privacy of consumer financial information 15 USC 6802 . Before my nonpublic information was shared with an unaffiliated third party, Creditor never have me the opportunity to opt out of such sharing. Please provide me with a copy of the notice and the date it was sent. Non-public information includes account balances, transaction history and payment information. My rights have been violated because I have never been informed about how my financial information is being shared with unaffiliated third parties. Creditors are supposed to follow these rules to protect the privacy of my information and prevention of unauthorized sharing. 

I have not been provided proof under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX, XXXX ) and presume no valid debt exists.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (TN)

I paid of my loan with Mariner Finance in the amount of {$3000.00} on XX/XX/year>. Within a few days this company reported to the credit bureaus that I owed the entire amount. I disputed with the credit bureaus and the loan balance was changed to zero. Today, XX/XX/year>, Mariner Finance reported to the credit bureaus that I owed {$3000.00}. I called Mariner Finance and spoke to an employee named XXXX who said that they responded to my dispute with the credit bureaus and reported that my account is active and has a balance which is fraudulent reporting when my account. Is paid in full.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (NC)

Recently, after reviewing my credit report, I discovered a few discrepancies, and Affirm Inc. was reporting XXXX unauthorized erroneous accounts. I have repeatedly asked Affirm Inc to provide me with proof who gave them consent to obtain my reports, authorize transaction under my personal information, and also wet ink signature application, including proof of my identity. Still to this day, I have not received anything but a letter, excluding proof that this is a credit transaction legally. I have never given Affirm Inc authorization for the XXXX frivolous accounts that they are reporting on my XXXX report. Additionally, I have never given Affirm Inc consent or permissible purpose to report anything to XXXX. The fraudulent activities have impacted my credit report and financial standing, causing me undue XXXX  and concern. I expect this matter to be resolved expedisiously.
Consumer complaint received 2024-08-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (FL)

I received the response from the CFPB regarding Ally Bank and the response stated Ally purchased the account back from Portfolio Recovery, my account was notated and the representatives at Ally bank would know how to handle my account when I called into set up my payments. 

The harassment has NOT STOPPED! I will be filing a lawsuit in small claims now seeking the maximum of {$80000.00} in damages. 

I called the number XXXX provided in the response letter the CFPB sent to me. I was told multiple times by Ally representatives that I needed to call XXXX XXXX as they still owned my account, my account was suppressed from credit reporting by Ally and XXXX representative was trying to get a XXXX on the phone and instead terminated the call on me. 

Im XXXX and suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have severely gotten worse dealing with this issue. 

I have in good faith tried to resolve this in an amicable manner and have been lied to by Ally Bank. Im requesting the CFPB retrieve all call recordings that I made to Ally Bank from XXXX. I want them reviewed. 

Also, when Ally Bank receives my lawsuit, Im requesting a copy of all the call recordings be provided to XXXX XXXX. 

Im requesting as well that Ally Bank be fined and you investigate in detail my complaint. 

Im also, requesting the debt be cleared as I will not pay because of all the upset I had to endure. 

XXXX from Ally called me the day he submitted the response to the CFPB and told me the account was purchased back which was a false statement. 

I tried to pay and Ally Bank refused yesterday to take my monthly payments. I will also be filing a separate complaint against XXXX XXXX for violating the FDCPA and will seek damages as well up to {$80000.00} in small claims court.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (NJ)

The Response below from Comenity Bank/Comenity Capital Bank is a lie since the unauthorized hard inquiry still shows up on my credit report, causing significant distress and potential financial harm. I have call logs from Comenity Bank/Comenity Capital Bank that they harassed me by calling me after they found out they made a mistake. Their repeated evasion of the unauthorized hard inquiry when asked about it is evident in these call logs. They also appear to misrepresent themselves to consumers and XXXX, as XXXX keeps saying, " we didn't get any information from Comenity Bank/Comenity Capital Bank but we are trying to remove it and its hard since Comenity Bank/Comenity Capital Bank doesn't inform us of anything. Also my credit report clearly shows the unauthorized - Hard Inquiry " Inquiry details. 
COMENITYCAPITAL/XXXX  XX/XX/2023 '' Comenity Bank/Comenity Capital Bank already has a lot of complaints from consumers due to its illicit activities. 
There should be Monetary relief of ~ $ XXXX since my credit score took a ding by some points due to their unauthorized hard check, which prevents me from obtaining the best rates in loans, mortgages, etc. 

Below Are Comenity Bank/Comenity Capital Bank lies/evade their wrongdoing : " Company 's Response " We previously requested that the credit reporting agencies remove the inquiry from the credit report. We reached out to XXXX, and they confirmed they could not find an inquiry about this. ''
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXXXXXX XXXX wired money to chase bank. It was determined to be a fraudulent transaction XXXX XXXX XXXX tried to have chase return the wire but they did not. Chase never communicated back to XXXX XXXX XXXX. I have all the information including the account numbers that it was sent to. And the bank it was sent to.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (WA)

This company repossessed my car in the last quarter of XXXX. They never sent me notice of the impending repossession and I tried working with them on payment to avoid it ( they refused ). After they repossessed the car they told me they would sell it at auction and the amount they received would be deducted from the balance I owe. They have not apparently sold the car because I still owe more than I paid for the car. Notices theyve sent by mail after repossessing show different amounts due - all of which are more than the cost of the car when I initially purchased the vehicle. Ive emailed and reached out through the secure messaging to the company directly, all they do is respond by saying theyre either looking into it or to call them to discuss it. Ive told them many times that I want all correspondence to be in writing only.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MI)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-01
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. (VA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (GA)

I was alerted by my credit karma account that I had a new hard inquiry on my credit report. When I signed in to check it out, my transunion report was showing a hard inquiry on XXXX XXXX. Neither myself or my husband opened any new accounts on this day. I made a username and password on XXXX website to open a dispute but could not find any way to dispute this hard inquiry- only basics like my names, past addresses, other small items. So I went back and found the number to the bank that issued the inquiry, Barclays Bank Delaware. The phone call was to an automated helpline that asks for your credit card number and if you can not provide, ends the call. XXXX research unearthed that this particular bank issues credit cards under a large umbrella of companies and had multiple service numbers which I called and all function the same. Their BBB rating is awful and it appears they are a trash company. So, here I am reporting this to figure out the next steps to protect my credit, money, and information from fraud.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX I sent a wire for XXXX. The wire was on hold. I called citi to inquire about XXXX pm EST. They advised I would have answers within XXXX hours after a full fraud verification check. I called back again XX/XX/year> am around XXXX am. The rep said he would have the issue resolved in XXXX minutes releasing the wire. I called again after XXXX hour and the rep then advised it he would have this resolved XXXX hours. I logged in to see if it was resolved around XXXX. And my account access was blocked. I then received an email stating my XXXX wire was canceled because Citi could not get ahold of me. I then called again and submitted a ticket to the executive response unit. Citi reference number XXXX. They said I needed to supply a reference number in my voicemail. I checked the voicemail and had no missed calls. I then made a call and they said I'll receive a letter in the mail with reference number. I have called 8 times and have no results. Meanwhile I have XXXX locked up.
Consumer complaint received 2023-06-13
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am writing to formally complain about Equifaxs ongoing failure to provide information regarding the verification of data that I have disputed in my credit report. I have made multiple requests asking for an explanation and documentation on how the disputed information was verified. Despite my repeated efforts, XXXX has failed to provide the necessary details, which I believe is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to receive a clear and accurate explanation of how the information in my credit report was verified. Your failure to comply with this legal obligation is unacceptable and has caused me significant frustration and inconvenience. 

To resolve this issue, I request that Equifax immediately : Provide a detailed explanation of the procedures used to verify the disputed information. 
Supply any supporting documentation obtained during the verification process. 
Remove the disputed information from my credit report if it can not be properly verified. 
If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to address this clear violation of my rights under the FCRA. 

Please consider this letter a formal request for prompt resolution. I expect your immediate attention to this matter. 

Thank you for your cooperation.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.