davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: OneMain Finance Corporation (FL)

There are inconsistencies with this account and the dates on the closed. In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
Consumer complaint received 2017-04-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: GFS II, LLC (OH)

My truck was repossessed while I was in the hospital. I was in contact via email with a representative who was made aware of the situation. Upon logging in, it appears that my principal balance has not budged and I have had the loan for over a year. My {$400.00} a month is going straight to fees and interest. This is highway robbery. I have now investigated the finance company further and recognized that others have been victim to this company. They are a subprime loan company in the business of financing cars for higher than they are worth and then repossessing them as soon as they can. They then turn around and auction the car and garnish wages of the customer for the remaining balance ( well over what the car is worth ). XXXX XXXX XXXX and Gateway financial are in the business of ripping off desperate customers who have to get a vehicle right away for work purposes and are mislead. The truth in lending is not honest. I knew when XXXX at XXXX XXXX was having us quickly sign the paperwork that I should have had him slow down. He just verbally summarized each page we signed and I had no idea what I was getting into. I thought the payment was {$170.00} a month ( which would be fair for a used base XXXX XXXX that has been beat and wo n't run for longer than another year if that ). That must have been one of the pages that he literally summarized ( as they were closing at the time ) and flipped the page quickly. I had no idea I was signing for a 5 year loan of {$380.00} a month for this junk of a truck. I am under water in the truck and my finances. I tried to make it happen once I found out the actual monthly payment, but obviously I got a month behind and they just repossessed it even though I was in contact and informed her that I just had XXXX and was in the hospital. This financial institution combined with XXXX XXXX XXXX needs to be thoroughly investigated in regards to their loans. I did n't even think they were allowed to give a loan for more than the blue book value? I am so confused and feeling scammed. I tried to get through it and feel completely bullied and lied to. Now my fiance does not have a truck for work to even make the payments!!! I do n't know what we are going to do.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have always paid my bill on time with this credit company but when I recently pulled my credit i saw that i have a 30 day late payment. This is damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have gotten nowhere. Anything you can do to help me would be greatly appreciated. Thanks
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MD)

All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.
Consumer complaint received 2022-12-21
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: American First Finance, Inc. (VA)

I have an account on my credit report that is not mine I have never done business with this company. They have stole my information. My daughter opened an account with them and they are acting as if I own the account. She and I have had a joint account in the past and I feel they stole my information cause I had the best credit. They are reporting a late payment that has dropped my score XXXX points and I cant get them to do anything about it its not my account. I have never or will ever do business with them. Please help
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX {$19000.00}
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. We have been doing business with Bank of America since it was sovereign bank, then went with nations bank and finally now Bank of America for over 30 years. I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts. 


The following transactions need to be disbuted.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (SC)

on or around XX/XX/2021 a credit card was opened in my name as a result of identity theft. I have tried on several occasions to contact navy federal credit union about this fraudulent account but they ignored me.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I AM A XXXX OF THE XXXX OF VICTIMS OF WELLS FARGO FIASCO, HAVE BEEN SUBJECT TO ABUSES BY ITS LOAN PRESERVATION DEPARTMENT STAFF, WHO REPEATEDLY REFUSED MY HOME MODIFICATION APPLICATION FOR NO REASON, DESPITE MY GOOD STANDING IN MONTHLY PAYMENTS. I WANT TO BE ADDED TO THE LIST OF THE FOLLOWING SETTLEMENT VICTIMS : CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and XXXX XXXX XXXX repeatedly misapplied loan payments, wrongfully foreclosed on homes and illegally repossessed vehicles, incorrectly assessed fees and interest, charged surprise overdraft fees, along with other illegal activity affecting over XXXX XXXX consumer accounts
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Collection report of {$950.00} from XXXX XXXX XXXX on my credit reports. It shows account was opened XX/XX/2022. I was not in the states around this time due to a XXXX  XXXX, and did not make any purchases with {$950.00}, nor did I open any account to a company named XXXX XXXX XXXX. This collections report is showing on my TransUnion and XXXX credit report.
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Through PayPal, PayPal credit issued me a pre-approved account for {$2500.00}. You don't receive a card you can only use it as a credit towards their inside accept it institutions. I attempted to use the credit at XXXX XXXX XXXX. It was declined I spoke to the virtual chat and they said the card the {$2500.00} was not approved then I received a {$15.00} insurance/latefee charge. Why am I being charged for something that was never officially approved.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the 30 window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. 

Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account XXXX XXXXXXXX {$29.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. 

XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX XXXX XXXXXXXX fraudulent account as well and refuse to send any validation that verify such accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (MS)

An individual called from ( XXXX ) XXXX stating they represent XXXX. The person stated in a voicemail that I need to call XXXX with reference number XXXX. When I called the number provided, an individual answered stating that XXXX XXXX was filing action against me instead of wage garnishment for the amount of money owed from checking account. ( {$850.00} plus - can not recall exact amount ) I advised the representative that I do not owe any money to XXXX XXXX because I had closed the account in good standing. I attempted to contact the bank concerning the matter and they could not provide proof of the debt. XXXX XXXX merged with Wells Fargo in XX/XX/2008. I called Wells Fargo recently and the representative advised that Wells Fargo was not filing suit against me. The representative did not have information of the company claiming to file suit. They were trying to persuade me to pay the amount over the phone or XXXX would file suit against me ( jail ). They informed me that if I was disputing the matter, I would have to take action in court when my court papers arrived at my place of residency. I advised the individual that I would see them in court, because I am not about to pay without proof of the debt. 

I called the company back later and was informed the name of the company is XXXX , XXXX.
Consumer complaint received 2023-05-30
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. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (CA)

Claim id : XXXX Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am requesting Wells Fargo Auto Loan and XXXX XXXX : Please remove the hard inquiry by Wells Fargo Auto Loan and XXXX XXXX from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible Sincerely,
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022
Consumer complaint received 2020-07-28
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$5600.00} XXXX XXXX {$1700.00}
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GreenSky, LLC (GA)

Greensky credit keeps sending out mailers and emails saying we are late every month. I know otherwise we have numbered envelopes for the money orders. It has payment amounts and dates of payment owed. We are paid up until XX/XX/2021 we have not been late. They are committing fraud and cashing those money orders. They are saying were late. My cell phone is XXXX XXXX XXXX.