davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting 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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, my husband answered a call from a scammer that claimed to be from Navy Federal, and he gave them confidential information about his account. As a part of that conversation, they took money from him and sent XXXX to me via XXXX, which was tied to my XXXX XXXX XXXX XXXX  account. Due to this transaction, my XXXX account was compromised, and I was locked out. When contacting Navy Federal Credit Union, I was told to contact XXXX. When contacting XXXX, they told me to get Navy Federal. It has been a complete merry-go-round with Navy Federal. They have been very unhelpful, and one person was actually rude. I finally was able to speak with someone in XXXX who told me that the restriction was because of the fraudulent activity on XX/XX/XXXX from the scammer and my email was compromised and that XXXX would have to be the ones to remove my restriction. I contacted XXXX where it all started and spoke with an awesome manager who worked tirelessly for two weeks to assist me ; she reached out to XXXX, to XXXX, and no one would give her any answers. After investigating and researching, she discovered that this restriction was not my fault and removed the restriction from my account. I've reached out to Navy Federal on numerous occasions asking for the same investigation and help, and they refuse to help me get the restriction removed. I even explained that I changed my email so there wouldn't be any more conflicts, and they still refused to assist me in removing that restriction from my account. I do not use XXXX  as my primary banking because it's in Louisiana, and I live in Texas, and it's tough to find branches and someone to talk to in person. I use Navy Federal for all of my primary ( which I no longer want to do business with ) financial needs, and they are now causing inconveniences for me to use at the new banking institution that I've chosen to bank with because of my XXXX is restricted with them as well. I would also like to add that my husband 's XXXX was also restricted, and Navy Federal told him the same thing the restriction can not be removed, but his restriction was removed instantly after the scam.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX 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
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX  {$1000.00}
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2018 I submitted a written request for Navy Federal Credit Union to remove negative information from my credit report. Navy Federal Credit Union agreed to remove this information in a contract with me on XX/XX/2018. Failure to honor this contract is considered wire fraud and breech of contract. 

It is now XX/XX/2018 and Navy Federal Credit Union has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). 

I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I Have been sending letters to this company XXXX XXXX, for the last 9 months. Asking them to show me all the proof as to this being my debt. Every month in reply Midland would only send in return a bill. I will upload copies of these letters as well as the letter asking if they were even licensed and bonded in the state of Texas.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXXXXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, 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 states : A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-10-11
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. (MS)

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-14
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
XXXX
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (PA)

In XXXX of XXXX I called into and cancelled My XXXX credit card with Continental Fianance. On XX/XX/XXXX my bank account was debited {$120.00}. On XX/XX/XXXX I called to dispute the {$120.00} debit from my bank account and was told that I authorized the payment. This is false. I never authorized payment on a closed account with a XXXX balance. I want a prompt refund of this money.
Consumer complaint received 2018-10-11
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. (MS)

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2017-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I requested forbearance due to losing my job, a few times, and rather than stop payments, like other companies did, they continued to add on the balance of the payment, not simply interest. They also made me pay {$50.00} on 3 occasions.
Consumer complaint received 2022-10-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (RI)

Today on XXXX XXXX, per XXXX, my score dropped XXXX points due to a Missed Payment listed by NATIONSTAR MORTGAGE LLC. I have no contract with them or their d/b/a MR. COOPER. I have asked for validation and verification of debt. I have asked for a Request of Accounting per the FDCPA. All they can send me is a statement of account and a copy of my note and mortgage which they are nowhere to be found in my paperwork. Notice, it is a fact, affiant is aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. Per XXXX XXXX it states that my account with NATIONSTAR MORTGAGE LLC began on XX/XX/XXXX. I don't know how that is possible when it was XXXX XXXX XXXX XXXX Who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to XXXX XXXX XXXX who then in XXXX of XXXX sold my information to NATIONSTAR MORTGAGE LLC. The only one I have a contract with is XXXX XXXX XXXX XXXX. They are not able to produce any wet ink contract between myself and NATIONSTAR MORTGAGE LLC. THEY ARE IN COMPLETE AND TOTAL VIOLATION OF ALL APPLICABLE CODES UNDER TITLE 15.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

We signed on for a home mortgage with Citibank in XX/XX/2019. Our mortgage contract specifically allows us to prepay our loan with no penalty. We have 2 complaints 1 ) Citibank transferred our mortgage to XXXX without informing us. XXXX is not allowing us to prepay our mortgage. Weve followed up with XXXX and Citibank multiple times. Citi responded saying XXXX is extremely delayed on email and phone responses. But they are not offering us any options. 
2 ) Citi didnt inform us on our mortgage getting transferred to XXXX. We had an auto/pay option linked to our citi account for our mortgage. XXXX removed our auto-payment option. We were on vacation overseas in XXXX and XXXX and didnt realize any of this had happened. We got a call from XXXX on our mortgage - we thought it was a scam as they asked us for personal information. Our credit score dropped 100 points as XXXX reported our mortgage in default. 

All citi and XXXX say is sorry - they cant do anything.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i am extremely XXXX. i sent in a dispute on my behalf well over 60 days ago and present this day which is XXXX nothing has been done. i also noticed that they have not updated my consumer report with any indication that i have been disputing the items on my consumer report. my first dispute dates back to XXXX of XXXX and still my report indicates nothing that i have disputed this negative information which is the failure to communicate that a disputed debt is disputed. with that i am requesting that the items be removed from my consumer report and an updated consumer report showing that be sent to me. i would very much love it if the consumer reporting agencies do the job that they have assumed the position to do. Also i never provided them with the written instruction to put these accounts on my consumer report, they did not have permissible purpose. my report also shows these accounts are collection accounts but have a balance, which is not even possible. at this point i notice that the consumer reporting agencies are throwing anything on my report as long as they are getting payment to do so.
Consumer complaint received 2021-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2021 : I agreed to purchase a car from online retailer XXXX from for a total of {$23000.00} paying {$7000.00} down payment and financing the balance. I specifically confirmed with the Car Specialists XXXX XXXX that the California XXXX test will be performed on the car before delivery. On the same day paid {$500.00} on my credit card to hold the car until the purchase is complete. Also I submitted a credit application on the same day. 
XX/XX/2021 : I signed the purchase agreement ( the electronic portion ) and the loan documents and wire transferred the down payment balance of {$6500.00}. 
XX/XX/2021 : I received via XXXX  the paper portion of contract that require my signature and return to XXXX, but these documents stated that it is my responsibility to perform the California XXXX inspection and a VIN inspection. On the same day I requested to cancel the purchase and never signed the contract. 
XX/XX/2021 : I received an email from XXXX XXXX at XXXX confirming the cancellation and refund of my down payment. 
XX/XX/2021 : XXXX XXXX the {$500.00} to my Credit Card and on a later date sent me a check for the {$6500.00}. 

The problem I am having is that XXXX XXXX services by CHASE opened an account under my name for the amount of {$16000.00} and is now in past due status. I called and emailed CHASE and they told me that they can't do anything about the issue because the dealership did not send them the cancelation documents. I called XXXX numerous times and every single time the customer service rep say the will transfer me to the specialized department only to left on hold for 45 min then another rep tells me the same exact thing. I tried escalating with Chase and the promised the will work with their dealer management department to resolve the issue but today XX/XX/2021 I am still receiving past due statements from Chase for an account that does not belong to me since I never took possession of the car.
Consumer complaint received 2022-06-12
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: Santander Consumer USA Holdings Inc. (MS)

In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit care account under an open end consumer credit plan as late for only purpose.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had my account closed after contactin a review of my account and it wasn't due to my credit worthiness. On that note, I would like the reopening of my account as I have done nothing wrong on my behalf and if so I would like capital one to address the matters that they are asking based on business concerns to my previous response that has violated their XXXX. What activity was done as the only activity used for this account was to pay bills so I would like the reopening of my account ending in XXXX this seems like a cover-up to hide the fact that they are in violation of FCRA laws and I am able to pursue legal action on this as they are closing my account with no such proof or disclose of this 'activity ' they are stating along with the fact my payment was never 30 days late and they are reporting absurd extra self harming information on my credit report as I am trying to go for a mortgage loan.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped XXXX points because of XXXX. According to Equifax, my credit score decreased XXXX points because a XXXX balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

Used the moneygram app to send money to a person with a valid ID to pick it up like the app stated. When person went to pick it up they were told they could not pick it up because they were not XXXX. Moneygram did not disclose this on the app before the transfer was made. When I asked for a refund they refunded everything except the {$13.00} fee they charged.
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (AZ)

On XX/XX/2022 I requested via CFPB complaint # XXXX that Westlake Financial validated their right to collect an alleged debt that they are attempting to collect from I XXXX XXXX XXXX Instead of providing the necessary Information required pursuant to Title 15 U.S.C 1692g for I the consumer to properly validated my obligation to the alleged debt Westlake Financial sent me an account verification notice. At know point did I ask for any account verification information, I simply requested that Westlake Financial provide me with documentation to validate their right to collect any monetary payment for the alleged debt. To this current day Westlake Financial has failed to provide valid evidence that I the consumer owe them for the alleged debt. It has gotten worse because on XX/XX/2022 Westlake Financial took my vehicle from my place of residents without my consent and has reported this action as a repossession. Westlake Financial has sent me notice that they will be selling my vehicle in order to recover funds that I allegedly owe them for the debt that they have failed to validated. None of my valuable personal belongings that was in my vehicle was returned to me. Westlake Financial has claimed on numerous occasions that the federal laws governing the FDCPA does not apply to them.
Consumer complaint received 2023-06-29
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

RXXXX 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 2023-06-29
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: EQUIFAX, INC. (IA)

The following account and hard inquiry currently listed and showing on my XXXX, Equifax, and XXXX XXXX credit report is fraudulent, not my account and is the result of identity theft : XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$4200.00}, and XXXX XXXX XXXX XXXX XX/XX/XXXX