davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IN)

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2019-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

WithGMFinancial,myduedatesareontheXXXXofthemonth.Iregularlypayovertheamountdue(amountdueis{$220.00},Iusuallypay{$250.00}).Inthepast,thishasresultedinlowerandlowermonthlyduesfrommyoverpayments.Lastmonth(XXXX),IwentonGMFinancial'swebsitetopaymybillontheXXXXasIalwaysdo.ThewebsitesaidthatIowed{$0.00}asoftheXXXX(Itriplecheckedthatiswasupdatedasoftheduedateandnotapreviousdate),soIassumedthatmyoverpaymentshadcaughtupandIlegitimatelyowednothingforthatmonth.IrecentlyreceivedanemailthatIhadbereportedasadelinquentaccount,whenthesitetoldmeIowednothing.Thiswasnotaproblemwithresponsibilityorfinancialstatus,butratherawebsitethatwasnotupdatedwhenitsaiditwas.IhaveneverbeenreportedasadelinquentaccountwithGMFinancialbefore,buttheyrefusedtoworkwithmeonthisissuewhenIfeelthattheywereinthewrongwiththeirwebsitebeingincorrectandnottellingmeaccurateinformation.Additionally,theyclaimthatmynumberisontheir"donotcall''list,andthatiswhyIwasnevergivenaheads-up-Ineverrequestedtonotbecalled(Iamsureofthis).
Consumer complaint received 2023-04-21
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: TD BANK US HOLDING COMPANY (CA)

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX, TD bank Nordstrom as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXXXXXX is reporting a charged off account of {$0.00} on my credit report, Nordstrom {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Consumer complaint received 2024-07-04
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/year> I submitted a complaint for a discrepancy on my credit report. On XX/XX/year> the company responded stating that they would send my information to the credit bureaus and the inquiry would be removed after 60 days. It has been 6 months since the response was sent from the company and the discrepancy has been on my report for over 12 months now. It is completely unfair that I have had to go through this process to no avail from the company. 

The representative that was on the complaint has yet to return any of my calls. I have left messages and still no response. Here I am stuck for over 12 months with something I did not even do. Its truthfully unfair how it takes 5 minutes to obtain an inquiry on your credit but you have to challenge the company so much harder to remove it. Who else do I need to contact for this to be removed?
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

I received a call from Chase that someone was trying to open a new XXXX card using my information as the primary cardholder. The person had my personal information including name, address, phone number and SS #. I dont know this person and the application was denied. The name and phone number given was XXXX XXXX, XXXX of XXXX, FL. The application was submitted on XX/XX/year>. It was recommended to me that I file a complaint with CFPB. The cancellation number given to me is XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION (NC)

I pulled a copy of my credit report and noticed a fraudulent account. STATE EMPLOYEES CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Consumer complaint received 2024-07-08
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: Resurgent Capital Services L.P. (CA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also any other documents they may have so that I can review and see if this is actually an account that belongs to me. They have yet to send any information at all.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

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 and purpose.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: MARINER FINANCE, LLC (MO)

Every time I had different people working on my credit and paid them and it seem like that they never could get the items removed off of my credit for some reason I dont know why So basically, I need this to be investigated more more Why nothing is never removed off of my credit
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (VA)

I went to a car dealership last Saturday XX/XX/year>. 
I provided my personal information in order to see what my numbers would look like. I ended up declining the offer and I was advised that there was an option to do a credit card to put some on a credit card I declined that option as well so imagine my surprise when I received an email yesterday saying that my new card is on the way I did not agree to open up a credit card I did not sign anything to open up credit card this dealership is opening up credit cards for some type of incentive without the knowledge of the consumer when I call the dealership I was informed to just close it when I get the card even though I never agreed to the card being ran I was only advised of the one time my credit was being ran to finance a vehicle I never gave permission to run my credit for a credit card. They didn't advise me that this is their normal practice and we could just close the card out if I do not want it. This would impact the average account longevity and having negative impact on my credit score when I did not give anyone permission to sign me up for a credit card.

Location-
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Medical Credit Corporation, Inc. (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (FL)

I recently reviewed my credit report and discovered that XXXX XXXX XXXX XXXX accessed my report without my permission on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not met the requirements under the FCRA to gain access.
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (CA)

Facts : On XX/XX/year>, Consumer disputed a transaction in the amount of {$290.00} due to non-delivery of goods, following the merchant 's dispute instructions. 

SoFi Bank failed to provide a provisional credit as outlined in Section F, pages 36 and 37 of the SoFi Bank Deposit Agreement, and did not complete an investigation within the 90-day timeframe stipulated in the agreement. 

On XX/XX/year>, SoFi Bank placed a hold on {$41.00} for a transaction with XXXX XXXX Fuel. Despite confirmation of release from XXXX XXXX XXXX, SoFi Bank refused to release the funds within the allotted 7-day window and provided misleading information regarding the merchant 's actions. 

Causes of Action : Breach of Contract : SoFi Bank failed to adhere to the terms of the SoFi Bank Deposit Agreement by not providing a provisional credit and completing an investigation within the specified timeframe.

Damages : Consumer suffered financial harm due to the withheld funds, totaling {$330.00}.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/XXXX, at XXXX I submitted a test amount of {$20.00} - a test amount, to my cousin XXXX XXXX whose XXXX XXXX XXXX XXXX XXXX ), and the response was okayed for me to proceed. 

On XX/XX/XXXX, I completed my intended contribution towards the funeral at XXXX XXXXXXXX of {$980.00}. 
Because of the moment, I waited for an acknowledgment from her but reasoned that the emotion and funeral would be too much for her to respond immediately that I decided to not follow up until after her XXXX XXXX XXXX XXXX  5 days after. 

Then, I became frantic when she informed me that she had not received the {$1000.00} I sent through CashApp to her. 

I contacted Support at CashApp immediately and was detached from speaking to someone directly by the customer message board for a long duration. Finally, I was validated as the account holder only to be discarded without any help but information to contact the company on Monday if I so wish. 
I insisted and got through to a male who rudely told me there was nothing he or the company could do or would do for me. 

I then, called on a week day after this weekend, and spoke to two people who initially pretended to being attentive on resolving my requests of the refund since the intended recipient had been proven not to have received the money. 

Also, to let me know which XXXX XXXXXXXX actually received the money. I continued with a request for a return of submitted funds and the recipients declined refund from this recipient as proofs but my requests of my refund to Cashapp were refused, even as the company acknowledged this malpractice on their part. 
I received so many XXXX  I am sorrys than I care to remember. 

CashApp personnel was not only rude, declining to follow up with the unintended recipient and summarily quickly closing my complaint and case, but also refusing to refund my money. 

This is {$1000.00} hard-earned cash intended for someone experiencing a tragedy and sent within the United States of America XXXX 
This was not sent overseas or to someone scamming me. Also, I utilized a legitimate US Company to transact this service to someone in the continental US. What else had I to do?

Please, I would appreciate recovering my {$1000.00} back. Help me as Cashapp is a fraudulent front for a business. Upon receipt of my money, I will cancel any account in my name. 
Thank you! 

Respectfully
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BROKER SOLUTIONS, INC. (GA)

New American Funding account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the New American Funding account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type FHA Mortgage, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Consumer complaint received 2024-07-12
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: Mercedes Benz Financial Services (ME)

On XX/XX/2024, there was a hard inquiry conducted by Mercedes Benz XXXX XXXX in Maine which I did not authorize for the purpose it was used for. 
I have reached out to Mercedes Benz of XXXX multiple times regarding this matter, requesting the removal of this unauthorized inquiry or proof that I authorized them to pull my credit for the purpose they used for. Despite my efforts, they have refused to remove the inquiry and have not provided any documentation that shows I authorized this specific credit pull.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (MI)

Describing the equal credit opportunity act and the ability to to do online education and credit reconsideration with American Express and host of others including the XXXX last four of my social are XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (AL)

My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts
Consumer complaint received 2024-07-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NJ)

In XX/XX/year>, I recieved a notification that Hunter Warfield, a collection agency, reported on my credit reports a balance for a rental apartment that I don't live at and I don't owe. The information was not verified, nor was I communicated with on the amount allegedly owed. This company is not a creditor and they have charged me interest for the amount owed on my credit report from {$16000.00} to {$16000.00} from XX/XX/year> to XXXX to XXXX. They are in direct violation of the FCRA laws 15 USC 1692e 807 False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or, and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt ; 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law ; and 15 U.S.C. 1692-1692p, in which third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. Not only have are they falsified a balance, they are a third-party agency, that is charging me interest for a debt they have not verified through me. After researching this company, they have no ties to my former rental management who owned the building and used an in-house management. They are illegally reporting like a creditor and they are not a lender.