davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

My name is XXXX XXXX. My wife, XXXX and I purchased a used XXXX XXXX XXXX with XXXX miles in XXXX, XXXX from XXXX XXXX XXXX XXXX, California. The vehicle was purchased with cash and a {$20000.00} loan ( approximate ) using Ford Credit as the lender. A Maintenance Agreement of {$3900.00} was added to the loan with the purchase. After review of that agreement directly after the purchase it was decided that we would cancel that agreement. I contacted the dealership and filled out a cancellation on XX/XX/XXXX. After many visits to the dealership, emails, phone calls and failed promises there has been no action to cancel the policy. A re-submission of the cancellation was made with XXXX Ford/Lincoln XXXX XX/XX/XXXX along with an assurance by XXXX XXXX XXXX XXXX XXXX Ford/Lincoln General Manager that an email to Ford Credit cancelling the policy would be sent yesterday and copied to me, it did not occur. My emails to XXXX XXXX requesting status have gone unanswered. I am hoping that your agency might help with urging XXXX Ford/Lincoln along with Ford Credit to follow through with their legal obligation. I believe 5 months is well past a reasonable period to respond and act.
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WV)

TMS purchased our mortgage from XXXX XXXX around XX/XX/2021. They said we were {$4000.00} behind on our mortgage. So we tried to contact XXXX, they could no longer send us any information for it was no longer their account. It took almost 6 months for TMS to send over a complete payment history/ spreadsheet. They sent a spreadsheet and the numbers and the items listed do not make any sense to us. I am attaching the spreadsheet to this complaint because we need clarification.
Consumer complaint received 2021-11-02
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. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

Ive contacted ENHACED RECOVERY CO. on several occasions in an attempt to get them to VALIDATE the debt claimed. I have yet to receive any response or update of a deletion to my consumer report. ENHANCED RECOVERY CO. is therefor in violation of many laws under Fair Debt Collection Practice Act. 15 USC 1692g " failure to properly validate debt '', 15 USC 1692f " Unfair Practices '', 15 USC 1681b ( a ) ( 2 ), ENHANCED RECOVERY CO. did not have permissible purpose nor written instruction.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

TO : Bank of America ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I do my personal business through brokerage trade. I received money from a XXXX client, deposited the money to a XXXX supplier, and sent the goods to XXXX. My deposit method was transferred from my bank account to my XXXX account, and then transferred from my XXXX account to a XXXX supplier 's coin account. 

When this activity was repeated several times, the bank suspected that I was laundering money. I also visited the branch XXXX times to explain my business, and the person in charge of the branch fully understood the situation. Meanwhile, on a business trip to XXXX and made a deposit to the supplier, but the bank suddenly closed my account. 

If you were suspicious of a fraudulent transaction, you could check if my normal transaction was correct through the phone. As a result, I made a deposit from my bank account to my XXXX account. It was a transaction that was not sent to another person and had no problem at all. 

However, I don't know the reason why I decided to close it, even leaving out the fact-checking details and knowing all my circumstances. My clients are experiencing inconvenience as their deposit accounts have changed. I want to open my account as I used to do bank transactions again in bank of america. I'm not a fraud, I'm not a money launcher. I'm a real businessman, and if I were an XXXX, I don't think I would have been discriminated against like this. I think I was discriminated against because I'm XXXX  and XXXX. ( The bank thinks it has negative thoughts about XXXX )
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/2023 a check that I deposited into my USAA savings account came back unpaid. This was after the check had posted to my account and funds were immediately available. I even called twice and asked if it cleared and was told yes. I waited 3 or 4 days before moving the money which was {$2000.00}. So come to find out the whole thing was a scam. The scam was I was the subject and my photos were used to create some art project. I was to send {$2000.00} to them and the rest was mine for being the subject and using my picture from social media. I never cash checks so I didnt know much about them but after the fact I found out I didnt even endorse the check. So now USAA freezes my account and I cant login or anything. I am a XXXX veteran and my federal XXXX check could not be stopped from being deposited into my USAA account because I was past the cutoff day even though I called the va and setup direct deposit the next day for it to go to my new checking account, the one I was forced to create with a different bank.So I called USAA and asked if I could just transfer the funds from my checking account into my savings to pay off the negative balance. I also requested for them to send me my XXXX check so I could pay bills. They told me I could payoff the negative balance, but that they were closing my account in 60 days and would send the Federal XXXX check ( {$2000.00} ) by mail.I did some research and found out that freezing or withholding federal XXXX funds is against the law. In my case, I met all the requirements and I called them and told them this information. I then requested my benefits again.I needed to pay rent and bills. This is now around XX/XX/XXXX or XXXX of XXXX.I was treated like I was the one who wrote the check that I deposited or something and told they could do nothing and would send it after 60 days, when the account is closed. Ive tried calling a few more times but got the same answers pretty much, just ignored and treated badly. I need my check to pay bills, and USAA Federal Savings Bank knows its illegal to withhold my Federal XXXX pay from me but still wont send it to me. I need help please!! Sincerely, XXXX XXXX.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (MS)

I purchased a card at XXXX from NetSpend as advised by my title loan company to make my monthly payment. I purchased the card at XXXX in XXXX, Mississippi and loaded XXXX $ on the card. When I called Netspend to try to activate the card, I was told that I had an account with their joint company Skylight. I advised the agent that no I had never had such an account, the agent advised me that it must be a problem with identity theft and that a report would be filed. The agent 's name was XXXX and his id number was XXXX. I also asked to speak to a supervisor, XXXX ( agent id XXXX ) a supervisor with Skylight then came on the line and stated that a refund check would be mailed to me in the amount of XXXX. And the check would arrive within 5 to 7 business days. That was a month ago, and I have called multiple times to no avail. This company has stolen my money and refuses to refund my money.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. XXXX  Days later no response is insane why take of someone who is trying so hard as a XXXX mother. They do not legally own this debt and I do not either so remove because that means this account is not 100 % accurate on my credit report by consumer law my credit report is to be 100 % accurate at all times or Violation fees of {$1000.00} per violation can be served.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I sent {$370.00} through XXXX on the Wells Fargo Banking App. The phone number that I sent the money to was correct but, there is more than one person associated with the same phone number. Therefore, someone else received the transfer and not the person that the money was intended to. I reached out to the bank and informed them how insecure it was for users to make a transfer since there could be more than one user associated with the same phone number. They proceeded with the investigation and denied my claim. Their response was that the transfer was completed as requested to the phone number provided. Indeed, the phone number was correct but my issue was that the person that received the money was not who it was intended to. The phone number I input was correct but due to the lack of security of the system, somebody else that had the same phone number enrolled on the platform received the money. I contacted the bank in order to appeal the decision and they denied my appeal. My final action was closing all my accounts with that institution ( Wells Fargo ) since they were not able to resolve this issue.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Today I verified with XXXX XXXX XXXX that they have already notified all three credit bureaus of the status of a collection account, they verified with me today that a letter was sent asking that Account # XXXX XXXX {$820.00} be deleted from my file and that the account has been paid in full. I also recieved a letter stating the account has been resolved. XXXX  sent letters out on the XXXX it is now over 30 days and according to the FCRA " Consumer-reporting agencies must correct or delete information that is inaccurate, incomplete or unverifiable within 30 days '' Because it is now over 30 days I kindly request that this account be removed immediatly from my credit. This inaccurate account is currently reporting on XXXX, Equifax, and XXXX. There is another very logical issue with this account being reported as all three reports state that this account was last reported of XXXX XXXX, which means the credit bureaus have choosen to keep this inaccurate account on my credit file even though XXXX  is no longer reporting it. This is both completely unacceptable and is also a violation of the FCRA. Your immediate attention to this matter is most appriciated. XXXX was 48 days ago!
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (FL)

The Credit reporting agency : EQUIFAX is posting my " Personal Financial Information '' and transaction history without my written consent. This reporting has caused me " EXTREME FINANCIAL INJURY '' and continues to harm my ability to carry out my personal, family and household purposes. I have disputed their report recently and all I got back from their alleged investigation, that took more than 30 days, was verified! '' There is no explanation for this verification process ; as no one from this agency has communicated with me regarding this unknown process. Nor, who authorized them to violate my privacy by telling anyone, with an Internet connection, what Im doing with my private financial matters and who I chose to do business with. I want to know who is paying you to report this and where you are getting this information from? I now know that the Government states that you are not a government entity that has Federal Government approval from them to do what you do. Here are my demands : I want this agency to provide me with documentation of verified and validated proof of my LEGAL and LAWFUL obligation to pay what they are reporting on. A report stating verified is no longer acceptable to me, nor does it establish a LAWFUL response. You have 7 calendar days from the date of this submission to produce this documentation. Failure to comply with my demand in the time frame that I have set for you will result in Arbitration or Litigation in U.S. District Court. Your work hurts people and I will no longer abide by some company who isnt authorized by me to report anything on my behalf.
Consumer complaint received 2023-05-16
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
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)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. 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 an 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

During XXXX  under XXXX, tenants were not paying their rent, and I was unable to make the monthly mortgage payments. I called the bank ( Select Portfolio Servicing Inc. ) and asked what could be done on my part as well as on their end to help me. They sent me some forms to fill out and return, which I did. Around two weeks later, I called them to find out the status. At this time was informed that I was not protected under XXXX rules/regulations. This was due to the previous help they provided, allowing me to add the amount I owed onto the back of the mortgage ( {$57000.00} which they said included principle, interest, and penalties ). During this period I was informed that if I didn't make a payment of {$40000.00}, they would be foreclosing on the property. It was at this time that the tenants had applied to XXXX XXXX  to pay their back rent. I accumulated approximately {$40000.00} that I sent SPS Inc to avoid foreclosure. I received the yearly 1098 figures, and I found that I had paid the bank {$23000.00} in interest for the year 2022. I believe that this is an excessive interest charge, due to the rules/regulations set forth by XXXX XXXX since we were not permitted to charge late fees. I believe I should have been been protected during COVID, regardless of previous help provided.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This my refiling of complaint to TRANSUNION for still allowing the unauthorized inquiries and fraudulent accounts on my credit report. As I checked my recent credit report again I still see these unauthorized inquiries and fraudulent accounts are reporting on my credit report and no further actions have been taken and they are not taking seriously this matter. I have filed an FTC report which I included here with report number XXXX and XXXX