davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (GA)

XXXX ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, Equifax, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Consumer complaint received 2015-04-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

NationStar acquired our mortgage from XXXX in XXXX 2014. They told us since it was an acquisition loan, that we had a 60 day grace period before making our first payment. Now they are writing us telling us that we have to pay those two months that they previously told us we had the grace period for. When I finally got someone on the phone who was willing to help me, she said she apologize, she see we was told that, but we have to come up with the money. I feel like they are bullying us, not holding up their promise, and just overall unprofessional, unorganized, and uncaring.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I have three lenders that continue to inaccurately report my accounts as past due. The first lender is XX/XX/XXXX XXXX second is NEWREZ-SHELLPOINT Mortgage, and XXXX XXXX is XXXX. Despite my repeated requests and submission of documents proving that these accounts have been paid off, the credit bureaus have not updated my account statuses to reflect that they are current, paid off, and closed. 

I've taken all the necessary steps to rectify this situation. I've contacted each credit bureau individually, providing them with the necessary documentation that shows my accounts are paid off. Despite these efforts, the lenders persist in reporting my accounts as past due, which is inaccurate and misleading. 

This ongoing issue is not only frustrating but also has a significant negative impact on my credit report and, consequently, my financial well-being. The incorrect reporting by these lenders is a clear violation of my consumer rights. 

Given that my efforts to resolve this matter directly with the lenders and the credit bureaus have been unsuccessful, I have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ). I believe that their intervention is necessary to ensure that my credit report is corrected and that my consumer rights are upheld. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (VA)

I am writing to file a formal complaint regarding a collection account labeled XXXX/COMENITY/VICTORIA Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/XXXX, at XXXX XXXX  I opened up a Money Market Account with Ally Bank. I called them at XXXX XXXX  to get more information on how they would prefer the transfer, whether Bank Transfer Or XXXX, they stated that either or was fine. 

At XXXX XXXX  I transferred {$2100.00} from my XXXX XXXX Checking Account. Suddenly, at XXXX XXXX  I attempt to log into my account and its Frozen! Stating I entered my Password wrong to many times which is not the case because its a new account and my fresh password is saved to my phone. It said to call them because they are 24/7 so when I do, the representative couldnt authenticate me via my phone number because they blocked it out the system. So I agreed on doing an identification verification questionnaire which I passed with flying colors. Then she goes that she cant give me any information and that I have to wait until the following day because the Fraud Department is closed. 

I called the following day at XXXX and stood on the phone with them for XXXX minutes and got nowhere. They wouldnt transfer me to the Fraud Department and was not helpful at all! They keep insisting for me to wait for Fraud to call me. Which is nerve wrecking because I advised them that its not fraud and that I can validate myself with income tax returns, identification, physical social security card, etc. Wouldnt a fraud department love to hear that!? Of course they would but regardless it wasnt good enough. Which makes me believe that this must be normal to them by the way customer care are handling the calls.

What bothers me the most is that the Fraud Department never once reached out to me to notify of whats happening. I had to find out by trying to log in. I dont feel comfortable at all and havent been able to-sleep since Saturday.

I added all the screenshots with proof of everything im saying to be 100 % accurate and truthful as well as the phone calls. The screenshots were uploaded one by one in order to the sequence of events.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

After being negatively affected by identity theft, I have tried several times to rectify open accounts and negatively reported information with both the creditors and credit reporting agencies to no avail. I have been sending letters with no responses from either creditors or credit reporting agencies. This has been a great strain on me personally and professionally. By not being able to attain the credit that is necessary to grow my business.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HILLTOP HOLDINGS, INC (TX)

Summary of Events XX/XX/XXXX : You went to Plains Capital Bank to open a checking account using a {$25000.00} cashier 's check from XXXX XXXXXXXX XXXX, issued to you from your grandfather 's estate via your lawyer. 
XX/XX/XXXX : Your account was supposedly opened, with {$5800.00} available. 
You went to the bank to update your email address for online banking access. 
The branch manager informed you that your identification came back with a fraud alert, and they closed your account. 
You requested your cashier 's check back but were told it would be held until XX/XX/XXXX without a clear reason. 
XX/XX/XXXX : You called the bank, confirmed that the cashier 's check had cleared, and went to the branch to get a new check. 
At the branch, you received a new cashier 's check for {$25000.00} from Plains Capital Bank without being asked for identification. 
You inquired about cashing the check but were informed that it could not be cashed at the branch.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (MS)

As the agent for the XXXX XXXX XXXX XXXX XXXX XXXX I have assigned the documents of title back over to Ford Motor Credit company for redemption of credits to set off my companys debt obligations. Remittances were delivered to all known locations for Ford Motor Credit, but none have been accepted. I have delivered the instruments to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX per the instructions in their prospectus. Set off never occurred, and XXXX XXXX  never acknowledged my transfer of goods. Ive also delivered the documents of title to XXXX XXXX XXXX who is the holder of the note. Ive delivered payment to Ford Motor Credit headquarters. Ive delivered payment to XXXX XXXX XXXX XXXX who is their asset reviewer. Ive made payments to the attention of XXXX XXXX who is the authorized person for Ford Motor Credit and XXXX XXXX XXXX. I have made every effort to operate in good faith to ensure Ford Motor Credit as the finance company is paid. I have made efforts to ensure XXXX XXXX  as the secured party is paid. I am now claiming my rights as a XXXX XXXX XXXX. As the XXXX for XXXX XXXX XXXX XXXX XXXX it is my responsibility as the authorized person to ensure lawful payments were tendered to satisfy our obligations. Every reasonable method of payment has been made pursuant to the XXXX. How many times must I remit payment? Why are my payments being ignored? Ford sent correspondence one time stating that the agreements which are documents of title, negotiable instruments, investment properties, and letters of credit for banks were not negotiable. This is obviously a false and misleading statement. This leads me to believe that Ford Motor Credit is not operating in good faith and is acting unconscionably. They are trying to force my company into being a debt slave by not accepting the negotiable instruments they issued to my company during the initial credit transactions.
Consumer complaint received 2022-12-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
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: CL Holdings LLC (AZ)

In XX/XX/2024 I received something from XXXX in regards to account that was with Jefferson Capital with the original creditor XXXX. I never took out a loan with them. 

I reached out to the credit bureau in regards to this matter in XXXX. As of XX/XX/2024 XXXX has removed this from my credit report as a fraudulent loan after they verified that is was not taken out by me. 

I have also moved in XXXX of 2024 and nothing has been received from XXXX. However, XXXX, XXXX and XXXX have already fixed this issue regarding this account and another account with Jefferson Capital.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (CO)

on XX/XX/XXXX, I opened an account with Chime so my roommate could transfer me rent. i got a text that the account was open and money was transferred. the next day i got an email that says the account was closed due to non compliance with user account agreement and no refund will be issued. nothing else.. no reason. i called and complained to them and all they would say was non-compliance. over and over. eventually they asked me to verify my identity. i gave them pictures of my drivers license and passport and of the letter they sent to my home with the debit card. still non compliance. ive opened a case with the XXXX and now i am here.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
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: FREEDOM FINANCIAL NETWORK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have disputed XXXX XXXX XXXX and they still have not validated the debt with a contract that has my signature stating that I have a contract with their agency. As a third party they are in violation of the Privacy Act of XX/XX/1974 because I have not given them my social security number for the purposes of a contractual relationship with them or permission to be in possession of my personal identifying information in violation of the FCRA and the FCDPA permissible purposes 15 USC 1681b and validate the debt 15 USC 1692 including providing the master servicing agreement for the debt as well as the items listed in my letter that was sent to XXXX XXXX requesting the debt be validated before reporting to the bureaus within the initial 30 days of receiving their letter and I complied and I received nothing but they posted defaming information to my credit report with through a third party Experian which is a violation of my rights according to the Privacy Act of XX/XX/1974 and the Patriot Act under Title 12 for companies who are securitizing my data through the SEC without my permission must have certain identifying documents and I have not provided any of those documents to XXXX XXXX. I am prepared to take legal action against both Experian and XXXX XXXX for using my bureau reports to post negative and defamatory information to my credit reports without my permission. 

Also the follow addresses do not belong to me and are a violation of identity theft because I never lived there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above addresses that are fraud and do not belong to me. Please remove these addresses from my credit report. I have a right to a fair and accurate reporting to my credit report in accordance to the laws of the FCRA. I am the person who determines what posts to my report. Not Experian nor XXXX XXXX and both must conduct themselves in accordance with the laws of the FCRA, FCDPA and the Privacy Act of XX/XX/1974.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (KY)

I send the money to a friend of mine in XXXX. I saw the receipt and confirmation saying that the receiver has received Mooney, but after few days the receiver told me he hasnt got the money in the mobile account. Lantern on I found out that the name I made a little mistake spelling reviewers XXXX  name. When I called Remitly to let them know of what happened that said that the Money has been received and withdrawn from the account. I sent them receivers mobile bank statement confirming that he hasnt reviewed the money and they told me to have the receiver speaking with XXXX to investigate the situation.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

I owned a house at XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. This house has a rental XXXX XXXX. I paid the yearly bill for the rental at the beginning of 2023. Thus is always when the bill was due, and it was billed yearly. 
I sold this house in XXXX of 2023 and am still being billed for the now monthly rental as the company changed from XXXX XXXX XXXX XXXX. 
I have called the company and have repeatedly told them that I do not own this house and I do not owe on this rental XXXX XXXX. I have asked XXXX to send the rental bill to the new homeowner. Instead, they are sending the bill to XXXX XXXX XXXX XXXX XXXX XXXX with my name as the addressee. The post office forwards the bill to me automatically as I have moved to XXXX. I continue to call them every month to try and fix this. I tell them to send the bill to the new Homeowners, XXXX XXXX XXXX XXXX. The new homeowners have the account now in their name. I am in contact with them regularly. 
XXXX continues to send me the bill and they have turned me in to collections. The agency is A.R.M. Solutions, California License No. ; XXXX. Client phone ( XXXX ) XXXX. XXXX Acct # XXXX. XXXX Acct # XXXX. 
I have no way to get them to change this and take my name off of the account, as calling them repeatedly does not work. 
They have told me, on the phone, that this is taken care of, then I get a new monthly bill that keeps going up.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I have recently disputed a XXXX XXXX account XXXX XXXXXXXX. This account is fraudulent and is not my account l. I've disputed XXXX and asked for proof and also the credit reporting agency. The response back from the agency is they have verified the account. 

15 USC 1681I ( 7 ) method of verification This law demands proof of the investigation that took place to verify the account.

If the credit reporting agency can not provide it they must delete the account.