davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and XXXX have incorrect names for me : XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) Credit Acceptance Corp does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union ( XXXX XXXX XXXX XXXX, VyStar XXXX, XXXX, FL XXXX, XXXX ) mobile and online banking systems have been entirely unavailable since XX/XX/2022. Since then, members have been unable to check account balances, move money, or pay credit cards. Further, transactions were completely stopped for an entire week. On or about XX/XX/2022, Vystar sent notification to its members that internal transfers were still unavailable, but credit payments could be made through an external transfer. However, access to online accounts is still virtual impossible, with online queue times over 4 hours simply to log into accounts. Further, all money management operations have been unavailable. As this is a regional credit union, suggestions to visit branch locations have been impossible for me, and I am sure other people. Telephone help and money management also has been virtually unavailable. I can not access my money, pay off my credit card, or pay my bills because I can not access my accounts.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I received a letter recently from XXXX XXXX who is suddenly and mysteriously regenerating a bill that was closed out in a foreclosure back in XXXX for a property they even have listed improperly at XXXX XXXX XXXX XXXX NC and the physical address was XXXX XXXX XXXX XXXX because the Attorney we hired who was handling everything had committed some fraudulent activity with hundreds of clients just like myself and I wound up with 2 Payments to different lenders at ridiculously high rates and not long after he wound up in prison for this subprime lending scam. 
This isXX/XX/XXXX and this was generated coincidentally on the same exact date that I had called Experian complaining about my FICO score being 30 points lower that my XX/XX/XXXX or XX/XX/XXXX FICO scores. This regenerated mortgage debt is over XXXX years old now and I should not be receiving mail at my Apartment in XXXX XXXX in XX/XX/XXXXfor something this old. I am attaching this document and really need your assistance before this winds up on my Credit report.
Consumer complaint received 2021-01-06
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. (TX)

Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.
Consumer complaint received 2021-01-06
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. (TX)

Have sent multiple letters to all 3 credit bureaus to correct errors on credit report. XXXX XXXX XXXX XXXX charged off/collection account not only has a past due balance but it also shows a balance owed which is HIGHER than the high balance, an incorrect date of last activity, and it still reporting monthly charge off as payment history. This account has multiple violations according to FCRA so I disputed this information with XXXX XXXX and bureaus requesting for immediately removal from all reports. The bureaus instead opted keep the information the same without providing method of verification. This willful act is a clear violation of federal law on all parties side and needs to be resolved immediately as it is negatively affected my credit.
Consumer complaint received 2021-01-06
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: Bread Financial Holdings, Inc. (MD)

I consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (TX)

Dispute submitted to Experian, XXXX  and XXXX  on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Consumer complaint received 2021-01-06
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: NAVY FEDERAL CREDIT UNION (MD)

I recently obtained copies of my consumer report and you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully furnishing hard inquiry data on my XXXX XXXX consumer report without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ).

I have not initiated any transaction with Navy FCU. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with Navy FCU for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has been taking XXXX dollars out of my account every month for approximately the past two years because of a low balance in my savings account. I called the company and they only gave me XXXX dollars back.
Consumer complaint received 2021-01-06
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. (TX)

Dispute submitted to XXXX, XXXX  and TransUnion on XX/XX/2020. The reporting agencies have failed to removed the items being disputed, I am a victim of identity theft.
Consumer complaint received 2021-01-06
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: JPMORGAN CHASE & CO. (NY)

Account was to be in no payment status ( deferment ) due to COVID-19 until XX/XX/2021 when amount that is owed on account what become due. In XX/XX/2021 when I called to make payment I was advised that the account is past due over 4 months. The creditor ( CHASE Credit Card ) is incorrectly and erroneously reporting the amount as past due when it should not be and was in fact placed on deferment by CHASE during the COVID-19 Pandemic. I contacted the company multiple time in XX/XX/2021 to request that the incorrect and erroneous credit information be immediately removed from my credit report and the bank does not complete an investigation to resolve this matter. Instead I am told within a few minutes on the phone that they determine that the information reporting is correct. Furthermore they did not provide the results and reasons for their decision in writing or properly escalate or investigate the matter. They are a predatory company that does not care about their customers and the fact they refuse to correct the information is unconscionable.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I currently have a marine/boat loan with 53 bank. I had damage to the boat, and XXXX XXXX paid a claim. I had to send check to 53 bank for endorsement to pay the repair facilities. One month later I am still waiting on 53 bank to send us checks for the repair facility. I have called almost daily with excuses every day that someone else did not process the check to send to me. I sent detailed invoices for the repairs and how much was needed for each facility. Now one week later I am still getting excuses that the operations  director has not cut my check. I find this to be fraudulent behavior and its costing me daily storage fees since the work has been complete for two weeks.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

Since XXXX of 2020, approximately 6 months, I have been dealing with an issue with Specialized Loan Servicing which is owned by XXXX XXXX. I have reached out to the company several times with no solution to my problem. I have spoken to many supervisors from the Tax Department with no solution in site. When I do connect with someone I hear the same response that " We have not heard back from the county yet. '' It is impossible that the county has not responded in 6 months. This company paid the wrong tax pin/real estate tax bill in XXXX of 2020 on the incorrect property. This, in turn, affected my tax escrow account and created a shortage of {$4500.00}. My current total mortgage payment increased and has still not been fixed due to their error. Please help.
Consumer complaint received 2024-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (WY)

I contacted Marcus 2 days after the maturity date of my CD passed ( XX/XX/year> ) and found that the funds were still being held at Marcus. I had received no notification that there was any issue. When I called, I was told there was a security hold and there was a case number, but they could see that there was no further action attempted ( like to contact me ). I was then told that they needed to check the validity of the bank account ( XXXXXXXX XXXX ) where I had instructed them to send the funds. This is despite my having sent funds to XXXX at least 3 times within the past year. They spent an hour contacting XXXX and verifying the account again with me on the phone, and then told me the funds would be released yesterday. They even reported what the amended balance would be, which added 2 days ( {$3.00} ) of additional interest to the approximately {$11000.00} balance shown on the Marcus account page.

I understand that it could take 1-3 days for the funds to actually appear at the receiving institution once sent, but when Marcus continued to show my CD as active on my account this morning, I called them. They told me that the CD was NOT yet closed, but was in the CLOSING process and the funds were not sent as reported would happen yesterday. After getting a supervisor on the phone ( took another 30 minutes ), she told me today that it would take another 3 business days for them to complete the process.

It makes me wonder if there is a cash flow problem with Marcus, and if there had been any valid security concerm, they could have easily looked in the account history and seen the prior transfers to the same account. The excuse seemed made-up.

I was left to believe that there is something wrong with their banking processes that is causing them to hold my funds long after the maturity date. I have no idea when the funds will actually get transferred to my receiving bank.
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : - XXXX XXXX inquiry date XX/XX/XXXX - XXXX, inquiry date XXXX, XXXX, XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX, inquiry date XX/XX/XXXX - XXXX XXXX XXXX, inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 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, also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I am writing to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ) regarding my Mazda account. 

On XX/XX/XXXX, my vehicle, a XXXX XXXX XXXX was repossessed by Mazda financial institution . Subsequently, on XX/XX/XXXX I made a payment of {$2700.00} towards my Mazda account in an effort to resolve the outstanding balance. 

Despite my payment on XXXX XXXX Mazda financial institution has reported the repossession on my credit report XX/XX/XXXX. This reporting occurred after the payment was made, which I believe is in violation of my rights under the Fair Credit Reporting Act. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-05
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)

Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-01-05
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. (FL)

Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (PA)

This credit card was opened fraudulently without my knowledge. I spoke with the company before and they agree to close because this was a result of identity theft. It was removed off of my report and everything was fine. But now it is back on my credit report and is affecting me really negatively.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposit a check for {$330.00} from my employer via mobile bank deposit using the Citi bank app. The next day my account was locked and I had no access to my bank via the app. I contacted Citi and was told it was because of the check I deposited. The needed to verify it. My boss and owner of the company who gave me the check called Citi and verified the check was correct. I talked to Citi bank and the verified the check and the check had cleared yet they still prevented me access to my account and my money. The stopped me from accessing my paycheck and all money in my bank account. I have not been given a reason why after the check was verified and cleared that I am still unable to access my money and accounts. This has cause me to be late on payments and have no money for food and gas for work.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. 

Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. 

I disputed this debt in XX/XX/2020 with XXXX  , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2024-02-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (LA)

I have 2 savings accounts with hundreds of thousands dollars for several years with American Express National Bank which were frozen for unexplained security concern 3 days ago. An email was sent to me with a phone number to call with no other information. Each time I called I have to go through a tedious security check followed by a long period of waiting, then either the back office were too busy to answer the phone or the phone was cut off after waiting. I have also left instructions for them to call back. I made 6 phone calls over 3 days without success getting in touch with the back office which is in charge of unfreezing the account. They have not called back either, even though I was told by 3 different operators that the message will be given to back office to call back urgently.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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