davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NY)

they are reporting that I am late where i sent supporting documents and the company did too. I have spoken to a representative they advised me that noone is really taking the time to research the account. Attached is proof and my ID
Consumer complaint received 2023-02-20
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)

Recently decided to pull my credit report since trying to purchase a home and hired a monitoring service. I noticed addresses on my credit report that are not mine. I asked for the information to be corrected. I was then sent a noticed that my requested was not my own. I sent them my photo Identification and proof of address via a bank statement. 
My letter stated that this information is incorrect and should not be attached to my profile.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax refuses to take non credited account off report after numerous request too do violating my consumers rights And they also have been reporting false negative payments they refuse to take down the hard inquires they are refusing to up hold the law and not giving me a fair investigation with over XXXX violations that I noticed alone on my equifax report and also over XXXX violations I noticed on my XXXX and 1 violation on XXXX for not removing the fraudlent XXXX  XXXX account on my credit report also equifax has some one else social security number on my account my social is XXXX
Consumer complaint received 2023-02-20
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. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union is abusing their 501c3 status for credit union by using their parent company to transfer securities. They are continuing to report incorrect information on my credit file. Navy Federal Credit Union received a security from me and invested it by depositing it then pooling it together with other consumers securities then selling it to investors. Navy Federal Credit Union closed the credit line alleging delinquency but has failed to return the original security used for this transaction. If the credit line is closed then Navy Federal Credit Union breached their fiduciary duties by failing to comply with their obligations under section of the security act therefore my investment and money made should be transferred back to me to restore all parties as before. What Navy Federal Credit Union is doing and the credit bureaus known as XXXX, XXXX and XXXX are doing is engaging in deceptive business practices and therefore I should be fairly compensated from the harm caused by all parties. Navy Federal Credit Union is also using means of extortion to solicit money from me that they know they are not due. I have been discriminated against by withholding compensation and credit I am due and guaranteed to me. Since you have closed the credit line the rightful ownership of the registered security is mine therefor I revoke any prior power of attorney on record and request fully refund of the investment.
Consumer complaint received 2023-02-28
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. (NY)

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, Account : 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, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX XXXX Balance {$37000.00}.
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

These were used to make inquiries to my account that I have not personally applied for remove these Immediately Transunion : XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XX/XX/XXXX. XXXX XXXX XXXX bank XXXX XXXX XXXX financial XXXX, XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX credit / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am formally complaining against PHH Mortgage Corporation of XXXX XXXX XXXX, NJ. PHH is my loan servicer, and I have received horrible customer service from their Relationship Management team and their XXXX XXXX Department. I've attached XXXX separate transcriptions of the emails I've sent back and forth with PHH, where I am trying to speak with someone knowledgeable -- not standard customer service representatives in a remote call center who can't answer more nuanced questions -- about PMI removal and the Appraisal I have requested. I began this process in early to XXXX, and it is now early to XXXX, and I have not spoken with my account manager. 
Today, I had an appointment window from XXXX - XXXX XXXX for the relationship XXXX to call me -- which was confirmed multiple times via email, as you'll see. The relationship XXXX did not call me, I have not been contacted by phone today. My alternative dates to set an appointment were also, apparently, unavailable. 
I have XXXX, maybe XXXX fair and straightforward questions that I would like to ask of a " person in the know '' at PHH regarding the most expensive financial obligation to my name -- my home mortgage. As of today at XXXX, I have still not been able to ask these questions and receive fair, knowledge-backed answers. 
I have asked repeatedly for PHH to elevate my case in hopes that I would finally be put in contact with someone who has authority in the mortgage servicing realm. To-date, this has simply not happened, and I've been given the run around. 
Mortgage servicing does not allow for consumers to make choices and changes with their financial matters and who handles them. My mortgage was sold ( no less than XXXX times ) by my mortgage originator, therefore I had no say, no choice in who now services the most expensive thing I own. If I received this abhorrent customer from service my bank or my financial planner or a consumer goods provider, I would have already walked away. I simply can't do anything about this situation except to file this complaint and hope that it breaks through to someone who I can be in contact with to answer my reasonable questions. The federal government, and maybe even the leadership at PHH, should be aware of just how unprofessional their customer service smoke-in-mirrors act is. 
The attached email chains contain further details to illustrate the communications and unacceptable service I've received from my servicer.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed XXXX fraudulent inquiries on my credit report with Equifax 3 times, 2 times on the their website and XXXX time over the phone. The first time I believe that they didn't I investigate them at all because they was marked factual and I know thats a lie. I then disputed a second time and and the inquiries were marked as deleted. Well I've viewed my credit report and sure enough they are still show up. I called the XXXX time I called on XX/XX/2023 and I was told they would pretty much just look into it and fix the issue. Well I received nothing any of the times alerting me they had finished and fixed the errors or fraudulent inquiries. This is because they are still on my report. I have results where they say they was deleted and the phone call as well they was going to fix the issue and they haven't. I'm attaching proof with this complaint/demand.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I got a XXXX XXXX  credit card recently which is managed by wells fargo. I do not bank with them so in order to make real time payments I need to enroll in their online banking site. I have been unable to get past the first page. This is exactly what I do with XXXX. My bank is XXXX XXXX XXXXXXXX. I have gone into Wells Fargo in person twice. Second time I sat down with a banker and have a physical copy verifying I met with them. I have been on the phone for 2-3 hours a day trying to get this resolved. Each person/department tells me I need to do something else and transfers me to another department. I do not want to make payments over the phone. The online fraud department is telling me that the banker should have called them when I was in. Each person I talk to passes it to the next and so on... 

The online fraud department will not verify my account even though I went into the bank and verified my id in person with a banker. I have a record of this.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (SC)

This debt is n't valid, the contract is null and void due to the fact the spelling of the name listed is n't mine. I will be getting in contact with an attorney and filing suit if this is n't removed from my credit. I know my rights as a consumer and I know FDCPA laws.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

15 U.S. code {$1600.00} XXXX a consumer reporting agency shall block the reporting of 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 its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I added unauthorized inquires XXXX, XXXX, UNIVERSITY 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 XXXX, and XXXX XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My complaint is with Experian Credit Buearu and XXXX XXXX. I have disputed this issue more than once with both companies and not received as response as to why my information is not valid. 

There is an account that recently reappeared on my credit report. 
It is listed as XXXX XXXX  XXXX The account shows as : Charge-off status update - XX/XX/XXXX Charge Off Amount - {$580.00} This account was charged-off to the company XXXX XXXX XXXX. 
My problem is that I settled this account in XXXX of XXXX. 
I paid a settlement amount of {$370.00}. This information does not reflect on the credit report. 
Another problem is that the credit report status has not been updated since XXXX of XXXX. 
Another problem is the charge-off company ( XXXX XXXX XXXX XXXX XXXX not even listed on the credit report. 

I have submitted 5 different disputes with Experian and 2 separate disputes with the XXXX XXXX XXXX. I have provided documentation and when all of these disputes were closed I never received an explanation as to why my information was not adequate.
Consumer complaint received 2023-02-20
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. (CA)

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX XXXX  
SHOWS ON XXXX  AND TRANSUNION:
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ONLY SHOWS ON XXXX  -XXXX XXXX XXXX
ONLY SHOWS ON TRANSUNION: 
US DEPT ED
XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (UT)

I was charged 10 overdraft fees in the span of 5 days, totaling {$350.00}. Months ago, I turned off my overdraft services with Wells Fargo because of the predatory nature of it. I had had many situations in which there was plenty of money in my account at the time of transaction. But the next day my account would be negative, with an overdraft fee being charged. 

This time around, I called Wells Fargo customer service and talked to a banker. I explained that I turned off overdraft services so those transactions should have declined, running through my card information. He stated that turning off overdraft services doesnt apply to recurring charges or bills or ACH payments, so me turning off that service wouldnt help with those. I asked if there was a way to stop it running on those recurring charges and he said no, that Wells Fargo doesnt offer a way around them. 

He submitted my 10 transactions into the checker and said he was authorized to give me a 25 % refund totaling a mere {$78.00} of the {$350.00} I was charged. This has got to stop. Wells Fargo is worth billions of dollars and is one of the worst banks.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX or around that date or week, i had {$500.00} stolen from my bank account in {$19.00} increments, the moment i woke up around XXXX or XXXX XXXX  it happened and i immediately called my bank and they helped me, i got a new card and a temporary card to use. the person who took my was named XXXX XXXX and the description of the transaction said MOBILE PURCHASE XXXX FL, I am in California, i woke up to a message saying i need to change my address on ups, i believed it because i had bought something online that same week. but they got my info some how. so i called, and they told me they'd handle it, i got my money back and got a temporary card and changed cards to a new one, then on XX/XX/XXXX, I got a temporary credit reversal and the bank took back all {$500.00} back away from me, how is that fair? the proof is in front of them. im in California not Florida and why would i send away {$500.00} in {$20.00} increments. I called them again on the XXXX and 2 out of the 3 people hung up on me. then again on the XXXX because i had to wait for this department to open. and all they did was reopen the claim again and told me to wait up to 45 days, i do not wan na wait at all, i need my money back now, that is my rent money that i need. that is their fault for not protecting my money. not mine. any way you guys can help me. if i can't get my money back im going to change banks. i will be showing two pictures attached, one to show the transactions from the person and where its from, and my new card on the left that i asked for the morning of my money was stolen and my old card on the right.