davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (VA)

1. I signed up with Experian 's credit monitoring service.

2. Through their credit monitoring service they suggested applying to a card with one their marketing partners so that my total percentage credit used would decrease.

3. They then sent me marketing information about a marketing Sponsor named XXXX which they said had pre-approved me for a Master Card. They used the word PRE-APPROVED, which would imply no hard checks on my credit.

4. Although I was approved for that card, there was nevertheless a hard check on my account.

5. In short, Experian actively encourages users of their credit monitoring service to sign up with one of their marketing sponsors, both by making it appear that having more credit is beneficial to the overall credit score, and then leading people to marketing sponsors like XXXX which claim to have pre-approved them for credit - when in fact the marketing partner still performs a hard credit check, thereby in fact damaging the consumer 's credit rating. 

6. What Experian and XXXX are doing is in fact a fraudulent hard check on my credit.
Consumer complaint received 2015-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (MO)

I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.
Consumer complaint received 2022-10-07
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. (FL)

My name is 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 2018-06-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Consultants of California (CA)

Collection Consultants of California. I asked them to remove the old medical debt on my record because it violated HIPPA and it was beyond the statute of limitations to collect. They still tried to collect on it. I told them they could no longer do that and asked them to remove the debt. They refused. They, in turn, have updated my credit report stating the debt is only a month old, when the credit report shows they opened the account back in 2013. They have also stated they could not get a hold of me, when they wrote to me with my new address. I have all documentation. It is illegal what they are doing. I have reported them to the Attorney General of California and I'm waiting to hear back from that office.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In or around XX/XX/XXXX a roommate at someplace I was staying stole my information and was using my Bank of America account and tried cashing a check that caused Bank of America to close my account which XXXX really closed, because when I called they would just give me the run around and then it was XXXX so I wasnt able to go into Bank of America and so they claim I owe an outstanding amount of around XXXX and so I contacted them plenty of times but they werent helpful in any type of way and only made it more difficult even to where I wasnt able to get a account anywhere.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

Made a check deposit on Saturday XX/XX/XXXX for {$180.00}. Monday was a bank holiday, so many were closed. I called a regions banker on XX/XX/XXXX and she told me my funds were suppose to be available that same day, she told me to wait at the end of the day because ( and I believe this is regions way of creating unbalanced checking for their consumers that decided to bank with them ). Well as of XX/XX/XXXX my funds are still pending. So it's been 4 days and 1 full business day since I made the deposit on Saturday. So this process is on purpose and it's pointless to hold such a small amount in limbo.
Consumer complaint received 2022-02-23
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. (NC)

This is XXXX 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (VA)

Waypoint Resource Group sent a notice to collect a debt dated on XX/XX/21. I responded with a a USPS certified letter sent on XX/XX/21. I have proof that the certified letter was delivered on XX/XX/21. In my response I included a request for proof of debt. I also provided bank statements proving that the debt they claimed was paid to the original creditor over 2 years ago. Waypoint failed to respond with proof of debt within 30 days, or all all. They did respond by submitting a knowingly false debt to the credit reporting bureaus on XX/XX/21. I received the alert and began the dispute process the same day. During this period Waypoint spoofed local phone numbers in an attempt to contact me at work. When the calls were answered Waypoint refused to identify themselves or the reason for the call.
Consumer complaint received 2019-07-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX is incorrectly reporting to Equifax a collection in the amount of {$12000.00}. Please see XXXX XXXX partial account number XXXX. ( This line item is listed on Page 14 of the attached credit report. ) I moved out of the student housing when I graduated from school. My lease ended in XX/XX/2016. I had financial aid while I was attending school and the monthly apartment expenses were covered by FAFSA ( Federal Student Aid ). There should be no outstanding debt on the apartment. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2018, I called Capital One card services about my credit cards that I have with them. The card that ends in XXXX has a current balance of {$2700.00}. I paid {$100.00} from my bank Customers and it went through. I had {$14.00} of available credit. I now don't have any available credit because the interest rate is extremely high!! My second card with Capital One ends in XXXX and has a balance of {$2900.00}. I paid {$240.00} from the same account and I am supposed to have {$35.00} available on my account Capital One has not released the funds stating that they need to call my bank to see if the funds would clear. I told them that the same account that paid the {$100.00} and cleared is the same account that the {$240.00} payment came from. They will not release my funds and I am certain that when they do they are going to put the interest right after the available funds and my card is going to be over the limit and I will not get a chance to use the {$35.00} that is available!!! 

The interest rate on both cards are too high!! I have asked Capital One to lower the interest rate!! I have been a customer for years and I am tired the rude representatives XXXX ( supervisor ) whose ID # is XXXX and the Fraud Supervisor who would not give me her name or ID #. This has been an ongoing battle with them about my accounts. They want to call my bank to verify the funds I told them no the money is good!!!
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (NC)

This is XXXX 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 Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me For the pasXXXX two years the three Credit Bureaus, such as, XXXX XXXX, Equifax, XXXX I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe four point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (VA)

I was approached at a XXXX located on XXXX XXXX in XXXX, Virginia by XXXX men, XXXX asking if there is a NFCU around. He then asked to use my cell phone because he is in dire straights and needed to call a relative so that he could receive money so he could have a place to stay for the night. I allowed him to use my cell phone. The fraudster went into my NFCU app on my phone and took out a loan for {$6000.00}. After having my phone for too long I asked for it back and that's when I noticed my bank account on the screen and that there was money transferred from my account to people I do not know and a loan approved for {$6000.00}. The men left immediately when he handed me back my phone. I called NFCU immediately and reported what happened. I then went to the XXXX Police Department and reported the scam and was informed that it is a local scam targeting military looking men and veteran 's. NFCU opened a fraud claim and denied it. I then appealed the decision and they denied it again. I have not received an official letter stating that yet, however, I called today and was informed it is denied. I did not receive any money, I did not make the transfers, I did not apply for the loan. I was scammed and NFCU is trying to hold me responsible for a loan that I never received. This is a known scam in the area I live in, however, I did not know this until after speaking to the policy department. I have now spoken with many people in the XXXX XXXX are, you and old that this has occurred to. In the meantime, I am paying a monthly payment on a loan that I didn't apply for or receive any of the money so that it does not impact my credit score until I can get this resolved. I should not be held accountable for a loan that was taken out fraudulently and under false pretenses by someone else. NFCU does not take care of their members as their mission statement states they do and they should not be publishing " Their customers is their mission ''. I am now looking into hiring a criminal defense attorney to represent me and bring suit against NFCU which is more expense to correct this.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (CA)

I have contacted Equifax over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution.

Furthermore, regarding XXXX XXXX, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX insurance and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX  waived all of them. I sent XXXX XXXX via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment.

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. XXXX XXXX does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care.

Lastly, I sent this XXXX XXXX   collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth.

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling XXXX XXXX a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access.

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage.

Respectfully, XXXX XXXX
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I went to the companys ATM and withdraws some money and the ATM forwarded me {$300.00} that I didnt have and I did not have overdraft.I paid them and they will not remove me from the Early Warning list.After a long dispute with them.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FCU DATE OF LAST ACTIVITY XX/XX/XXXX TODAYS DATE XX/XX/XXXX I DISUPUTED THIS ALLEDGED DEBT ON XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX NOTHING WAS SENT TO ME LEGALLY TO VERIFY THIS SO CALLED DEBT. 

THE AMOUNT IS {$1900.00}
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OR)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (VT)

I have submitted a application for a new position at my office that included a SF85P. The investigator brought forward possible debts I would like to dispute. She had mentioned a debt to my current credit union Navy Federal Credit Union. I also remember the XXXXnvestigator mentioned XXXX and XXXX. Navy Federal is my current back and has my address. I have not owned a cellphone in over seven years and I am not aware of the XXXX debt. I am also do not believe I owe any debt to XXXX More importantly I have never been notified of these debts.
Consumer complaint received 2022-10-07
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: NAVY FEDERAL CREDIT UNION (SC)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2021-06-12
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)

the usa credit bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

the usa credit bureaus have failed to correct errors in their reports within the allotted time. 

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date. 
I only have contact with a mail service in Texas. 
1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed. 

2. XXXX is not my name. remove it. Crossed accounts? 

3. XXXX is not my telephone number. remove it.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (VA)

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 Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX