davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (PA)

I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them
Consumer complaint received 2019-09-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OH)

We were working with a company called XXXX who I looked into and was a good company.we received a letter from calliber who is our current mortgage company that said we hate to see you leave Give us a chance to beat so we called them and were being taken care of by XXXX XXXX who was a license home loan accountant from caliber. She was able to do the loan for us turned around and got fired after she explained to us we didn't have to make our payment it went 30 days long she got fired I got screwed. I have never been late on any payment ever on twenty years. I would not of never been late if she didn't tell me to. She said worst that would happen is I would have to take late fee. The appraisal was completely done bug inspection was completely done She instructed us not to make payment XXXX has ruined my credit score. Cause me to practically go bankrupt. And has caused me to not be able to get a VA cash out. If diamond didn't do nothing wrong why would they let her go. I can't understand how they can get away of running XXXX veteran. Which I suffer from XXXX. The say phone calls are recorded but they control which ones they use. There is a website that XXXX XXXX could of looked up our appraisal that was completely finished She never did.it is a va website all company use. The date is on the report when it was completed. We also electronicly signed all papers we were suppose to. Everything they told us we did She choose to get off rival company we were going to use. They are not responsible anymore Once I completely signed all close Ing papers. The loan number is XXXX. XXXX XXXX works someone else But reluctant to be apart anything with caliber or her. But calliber is trying to lie to cover mistakes They are trying to cover fact they made major mistickes. And it has ruined my credit and family.
Consumer complaint received 2022-09-01
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. (PA)

I have disputed all inquiries on all 3 of the credit bureau because I am a victim of identity theft and have all these inquiries that I no nothing about and did not do also it was a auto loan taken out in my name and my info was shipped around to over 45 companies and now they are not removing them I have filed a ftc report and police report also someone is arrested rite now and told the detectives they purchased my information and also have a acct in my name and they wont help me and talking down on me because Im only XXXX I know I only have two credit unions and thts all I use to run anything all this other shopping around inquiries I did not do and am XXXX Im not getting the help I asked for I also placed a fraud alert on credit and freeze still they wont remove them
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (SC)

Franklin Collection Services Inc. is attempting to collect money on a debt that is not owed. They are inaccurate in their complaint, because no such debt exist. They are asking money for an XXXX XXXX XXXX payment in the amount of {$410.00} for XX/XX/2021. All final payments to XXXX XXXX XXXX were paid by me in XX/XX/2021 and XX/XX/2021 per my bank statements ( see attached ). I paid {$290.00} in XX/XX/2021, and the final payment owed of {$260.00} in XX/XX/2021 ( see attached bank statements ). So, there are no payments due to Franklin Collection Services , Inc. on behalf of XXXX XXXX XXXX. The bank statements clearly shows the final payments being paid to XXXX XXXX XXXX. Please immediately delete this collection account from all three credit bureaus. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. Please delete the inaccurate information from all three of my credit bureaus.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal credit union rerouted my military XXXX direct deposit from my XXXX XXXX checking account ( which was closed well before the deposit showed as pending ) to a savings account without my consent, without my permission and without any type of notification whatsoever. I have called a dozen times only to wait on hold for 2+ hours and be told that there is no further escalation available to solve my issue or answer my questions. I am on vacation 1-1/2 hours away from the nearest NFCU branch and earlier requested a wire transfer of MY MONEY to be sent from NFCU to my new account at XXXX XXXX XXXX XXXX but again after waiting on hold i was told my the security expert named XXXX THAT and im quoting here " No sir we do not have the capability to write transfer your funds, ''. IT XXXXS ONE IF THE OPTIONS ON THE automated menu when you first call how the XXXX are you going to tell me you don't have the ability it 's complete XXXX. and THEN the branch would have to call and wait on hold for XXXX hours to reach someone to release my funds. 
If i find out that them rerouting my funds without my consent is illegal in ANY WAY i will be suing the ever-loving XXXX out of them. I want to know WHO authorized the change in my direct deposit! I've been told " It 's an automatic system that does it, '' I've been told " We don't know who changed your information, '' I've been hung up on and I've waited on hold for a total of 6 hours between yesterday and today alone!!! I was promised yesterday by nfcu 's laughable excuse for a security department that they would notate my account allowing the teller to give me my funds IF i agree to pay some {$230.00} XXXX charge off that they've created. They're holding my protected funds hostage and it 's ILLEGAL!!!! In the past few months i have had my retirement money literally held at bay only allowing me to withdraw the money if i agree to pay them what they want first. I'm contacting my local news station i swear to God i want my money now! I have nothing and those crooks won't hand over MY retirement check!!
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, TransUnion, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-05
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section XXXX of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2021 the company that i hold this credit card with decided to charge a XXXX dollar fee without my knowledge up until XXXX of 2021. When I realized that I was being charged {$2.00} dollars denounced my knowledge, ( total of {$8.00} dollars ) I asked them to remove it. I would pay it off, and that I never carried a balance or even had a balance on this card and that they should of informed me that they would be charging me a fee without my knowledge. It was never removed as was mentioned to me. This little mistake on there part has affected my score dramatically for a simple amount.
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (PA)

I received an Albert card in the mail today, XX/XX/2022. I had never heard of them, but here was a card with my name on it. It had a XXXX XXXX logo on it as well. I sent an email to Albert, informing them that this account was fraudulent, included the account number, and asked them to close the account. They wrote back, and asked for the information I had just sent them. So I sent it again. I haven't heard back yet.
Consumer complaint received 2022-08-29
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. (SC)

I have XXXX different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXXXXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

The main complaint is on Citibank XXXX XXXX refusal to initiate a chargeback per Visa regulations on a merchant XXXX XXXX XXXX  in XXXX. 1 ) When dispute is initiated under dispute Case # XXXX, many evidences submitted are lost in its computer system. 2 ) When I discovered false claims from XXXX XXXX through a helpful service rep and then reported, there is no follow-up with me from the investigation team. In fact, there is XXXX inquiry with me from XXXX XXXX throughout the dispute. 3 ) When being confronted with conflicted claims in writing from XXXX XXXX, XXXX the supervisor of investigation team refused to consider them. 

Summary of Incident with the merchant XXXX  XXXX XXXX  XXXX : On XX/XX/2018 the car rented from XXXX broke down on a rural highway in XXXX. XXXX XXXX claimed it was an incidental damage and, under this presumption, I paid the damage amount of XXXX {$5600.00} with my XXXX XXXX XXXX ( Attachment 1 ). Later one, after repeated requests, XXXX XXXX found no proof for any accidental damage on the car ( Attachment 2 ). But they refused to refund the charge. 

Citibank claims per supervisor XXXX : XXXX charge you for the damage of the vehicle under my procession. So there is no misrepresentation of the charge. 

My counter-argument : XXXX XXXX made the false claim of the damage due to an incident. Under this claim I paid the damage. Then they admitted in writing that they are unable to find any evidence of incidental damage. Thus under the rental term ( Attachment 3 ), XXXX XXXX should responsible for the damage. They gave me a false claim of incidental damage at the time to trick me into making a payment. This is a classic case of merchant misrepresentation per XXXX chargeback rule. 

More information are available upon request. Since my wife is the primary card holder for Citibank XXXX XXXX, some of the documents are addressed to her name XXXX.
Consumer complaint received 2019-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-01-30
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: Experian Information Solutions Inc. (FL)

IN RESPONSE TO CFPB COMPLAINT:XXXX To Whom It May Concern : This is in regards to the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX   XXXX  Account XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your  assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to  determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ),  and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2022-09-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (GA)

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

Company Accou
nt # Gm Financial XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation.

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-05
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: Fidelity National Information Services, Inc. (FNIS) (CA)

ACCT ending in XXXX Around XX/XX/XXXX I had claimed fraudulent transactions on my old XXXX account that was no longer being maintaind actively by me. XXXX falsely concluded that the transactions were not fraudulent and reported " account abuse '' through XXXX without any explanation as to how they concluded the investigation. " XXXX '' from your XXXX XXXX   customer service line called me on XX/XX/XXXX and after a 68 minute phone call the conclusion was " You have to call XXXX XXXX to report the account as fraudulent ( even though it was one year ago and has since been closed ) and you owe XXXX as the charges are not fraudulent. '' The conclusion was incoherent and did not corroborate with the " account abuse '' remark on my XXXX report. 

XXXX was disputed back in XXXX and concluded as valid by XXXX. Again, I submitted multiple pieces of documentation proving that the transactions taking place in the account were fraudulent. 

I have been an excellent customer of XXXX since XXXX and this type of treatment during a time of identity theft is unwarranted.