davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

I am writing to ask that the credit bureaus, XXXX, and/or creditors involved to removed the late payments on my credit report. Nationstar/Mr. Cooper bought my mortgage from XXXX XXXX. During this process, My auto pay did NOT transfer over and I was not notified of the mortgage buyout. As soon as I noticed the change, I satisfied my obligation. There may have been old or inaccurate information about me that resulted in me not being notified. As a courtesy and sign of goodwill, please remove the late payments on Nationstar/MrCooper.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (VA)

I received a debt collection notice for budget rental car from Viking Client Services , LLC dated XX/XX/2023 in the amount of {$64.00} and I called the company XXXX XXXX XXXX XXXX ) and they stated there is no debt owed on their records and referred me to their collections department. However, no one from XXXX XXXX XXXXXXXX collections has returned my phone calls.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

I signed up with Simple bank. They announced the BBVA acquisition and sent messages that nothing would be changing. I was surprised this morning to find the Simple app was bricked and I had to sign up for a BBVA app to access my account. I was able to do that and see my account, but Im unable to deposit checks. The error I get is that the amount I entered doesnt match whats on the check. It does. I retried taking the photo 3x, exiting & entering the app, same error. I had to write specific instructions on the check for mobile deposit only, so now I cant deposit it at a brick & mortar BBVA bank. I tried calling BBVA customer service but their phone lines hang up calls as soon as they are answered by a rep. XXXX is the only place I am able to find any current information about the transition, and its from other customers.
Consumer complaint received 2022-07-23
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: Shellpoint Partners, LLC (FL)

Newrez mortgage lending company. They continuously send out fraud letter to their property owners. I called newrez twice in the last month for re-running my credit for a refinance without my permission after I told them on a recorded line I do not want any inquiries on my credit report and they assured me there wouldnt be. Well they lied. When I call them to dispute the matter they transfer me to a different lender every time. They are scam artist. Send between 2-5 letters a week with a letter head of a different business then add their name and number in the mix of the fine print at the bottom of the page. Im solely looking to have the hard inquiry from XXXX XXXX removed from my report.Any help would be greatly appreciated. Consumers BEWARE OF SCAM ARTIST. 

Thank you, XXXX XXXX.
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX  # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of 2022 and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. 

XXXX XXXX
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I HAVE RECIEVED A LETTER FROM SYNCHRONY BANK THAT MY LOWES CREDIT CARD HAS BEEN TURNED OVER TO ANOTHER 3RD PARTY COLLECTION ON XXXX WITHOUT MY PRYOR KNOWLEDGEMENT THAT THEY WERE GOING TO BE TURNED OVER. THIS IS A VIOLATION OF MY RIGHTS BEING TURNED OVER TO ANOTHER 3RD PARTY COLLECTION.
Consumer complaint received 2022-07-23
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. (DE)

I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE EXPERIAN XXXX OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (PA)

An account was made with crypto currency with my private info I did not authorize this and I contacted crypto support to get the account closed no one has gotten back to me I sent them everything they needed to do as I asked and the XXXX representatives have allowed days to go by without getting back to me on the account closure Crypto.com Crypto app
Consumer complaint received 2020-07-30
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}
Consumer complaint received 2020-07-27
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Stellantis Financial Services US Corp. (MD)

I have never owned a XXXX  XXXX XXXX. I have pulled my XXXX records and there has never been a car registered under XXXX XXXX XXXX for that Vehicle. I have never had XXXX XXXX XXXX. That is not my signature on those forms. I don't see a copy of how you all verified my Identity. ( Driver 's license, Social Security Card )? All I see is personal information that someone stole. I noticed multiple addresses used. No consistency in which address. Who is XXXX XXXX XXXX? Where is the ID for this file? Where does the documentation truly verify that is me? Employment verification was only a pay stub that could have been old or found by this person and you guys googled the employer instead of truly doing a VOE? Maybe, if these protocols were done at the time of this loan we could have been not having this conversation. You could have helped and stopped me from having this frustration. Someone stole my information, yet the validity of the documentation was not done. They state this is valid, however, how is this valid? 

This is not me. Not my account. I do not see how XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX has anything to do with me. Where is the true verification of Identity? Where is the Employment Verification? Where is the proof you protected me as a consumer?? 

I asked you to please remove this account from my records. It does not belong to me.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I haven't checked my boa account since XX/XX/XXXX. Recently I found boa deducted my checking account {$12.00} each month from XX/XX/XXXX ( XXXX times= {$100.00} ). So I called boa several times for a refund. They told me at XX/XX/XXXX, boa changed the rule : will charge a monthly maintenance fee of {$12.00} each month if the checking account daily balance is under {$1500.00}. 
I have been using the boa debit card since XXXX, when i apply this account, Boa promised to waive the monthly maintenance fee until XXXX ( until now I am still below XXXX ). But now, Boa changed the rule in XX/XX/XXXX, only waiving the monthly maintenance fee under XXXX. So they deduct {$12.00} each month since XXXX. This rule is so unfair, they haven't notified the rule through any phone calls emails, etc, so I don't know my checking account has deducted about {$100.00} until now. Boa deducted this maintenance fee without any notification violates consumers ' right to be informed of any important information. 
I communicated with boa several times, they refused to refund {$100.00}.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a late payment on my account with XXXX and it is incorrect. Ive spoken with XXXX directly and they told me to contact TRANSUNION. I have been in contact with transunion several times and still this error remains an issue on my report. It is difficult for me due to this error.
Consumer complaint received 2022-07-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, & 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
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a notice from Chase Bank stating we have decided to end our relationship, Since receipt of the notice I called the phone number listed on the account to find out the reason for the closure, and was not able to get an answer. I was also told that I will not be able to open any accounts at chase bank in the future. They were not able to tell me why. I have never had a bounced check or failure to pay any charges, I have a balance between the checking/savings/bokerage account of over {$150000.00}. When I asked them about any remedies and the answer was none, they claimed they are the front end of the bank and there is nobody else I can talk to or complain to. I also asked them if there was a consumer agency I could complain to and the answer was again none. 
My gripe is I need to know the reason for closing my accounts, their take is I signed a disclosure that the bank can close my account for any reason. I feel being a minority I am being discriminated.
Consumer complaint received 2022-07-23
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. (PA)

I REFINANCED MY CAR WITH A NEW LENDER ( XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old lender account XXXX XXXX XXXX as closed in XX/XX/2021 with one late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported two more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, Transunion, and XXXX is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes 1XXXX is reporting two extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
2.XXXX  reported my account closed in XXXX XXXXand then reported it opened again in XXXX and added two late payments 3.Transunion is reporting two late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 4. Opened dates are all different for each consumer reporting agency. 
5.Transunion is reporting Account status as closed. XXXX is reporting as paid. XXXX is reporting as closed 6. XXXX is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX. 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's Transunion and XXXX did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX
Consumer complaint received 2018-05-10
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. (PA)

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the Trans Union to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my TRANS UNION credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX- Account # : XXXX Opened : XX/XX/2007 Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX # XXXX XXXX, XXXX XXXX Thank you for your assistance in resolving this matter. 

Regards,
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (FL)

My car was repo and sold on XX/XX/2019. I received a letter stating the amount owed after resale was {$8000.00}. I made small payments but it was still sold to a debt collector. The debt collector is now reporting that the loan is open and is increasing every 2 weeks by {$50.00}. They are now reporting the loan as {$20000.00} with no payments made. It had made my credit drop XXXX points and still gradually increasing. I called for them to report the correct amount and I have had no solution. The original creditor wont give me any information because they said they sold the debt. This is causing problems in n my life.
Consumer complaint received 2022-07-23
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: Auto Trakk, LLC (PA)

I have never applied for an auto loan with AUTOTRAKK LLC, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give XXXX the right to furnish my consumer report to AutoTrakk LLC. XXXX is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that Autotrakk be remove from my credit file immediately. 
I will be seeking statutory damages.
Consumer complaint received 2022-11-03
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: TD BANK US HOLDING COMPANY (TX)

I have recurring payments setups submission in month of XXXX to my TD Retail Merchant bank ( www.myonlineaccount.net ) Frequency Is Monthly. But they are saying Recurring payments submission and they did not drafted my payments was not submitted, 2 ) And they reported to XXXX, XXXX, XXXX so in the results of their reported i am not agreed with their outcome.they are unfaily reported my information. And they are not removing my late payments history from their site and not requesting from all other three credit bearue to removing my late payments history which is hurting on my life. So i am requesting you cfpb have them TD Retail Card/ XXXX financing or myonlineaccount.net along with all three credit bearue to removed my late payments history Month of XXXX and Month of XXXX. As soon as possible. And i assuming them i will be always making my payments on or before time.. 

XXXX ) every time i connect with their payments customers support on the phone support mostly they have XXXX speaking ladies and they are very rude in conversation which make my feelings hurt. Which they inaccurately repoted my information to the credit bearue months i m listing below. 

XX/XX/2022 XX/XX/XXXX XXXX
Consumer complaint received 2018-05-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, XXXX, and Experian. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, nor Experian have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (SC)

in 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 an account without my written instructions
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Coradius International LLC (GA)

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.
Consumer complaint received 2022-07-23
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. (MN)

I believe I have been impacted by the recent security data breaches at Transunion. 

My credit report shows inquiries that are not associated with any open accounts. 

Inquiries in question : XXXX XXXX XXXX. 3 inquiries dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.