davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NAVY FEDERAL CREDIT UNION (NY)

i rescinded all contracts signed under my name with navy federals institution in the year 2022. Pursant to federal and state laws. i excercised my right to rescind these contracts due to the fact that proper notice of my right to rescind the contracts due to the fact that proper notice of my right to rescind was never sent to me, as required by the Truth in Lending Act ( TILA ), Regulation Z, and state laws governing consumer protection. My right to rescind was failed. the securities transactions are voidable.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and FTC
Consumer complaint received 2022-04-12
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. (CA)

I contacted Equifax with regards to the collection account XXXX XXXX XXXX I requested Equifax provide me with the documentation ( Signed XXXX form ) that was sent to them ( Equifax ) in order to verify the accuracy of this medical collection. Equifax responded with a generic letter stating this account was verified as accurate. I advised Equifax that I did NOT sign a XXXX Release Form so I am sure they did not verify this medical collection. Without verifying this collection they are reporting in accurate information. If they believe they did verify this collection as accurate then please send a copy of the signed XXXX release. 
As of today I have not received a copy of the signed XXXX release but Equifax still continues to report this collection on my account.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/XXXX and XXXX, XXXX Bank ( XXXX ) XXXX out of XXXX, KS called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and XXXX Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called XXXX Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, Ally Financial ( XXXX ) XXXX out of XXXX Tx called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?
Consumer complaint received 2019-07-09
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: PNC Bank N.A. (WI)

In XXXX of 2017 I purchased a car from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI XXXX I applied for credit - but did NOT authorize them to check several lenders.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Please see below a case # 1 involved a wire transfer to a fraudulent account ( I will submit case # 2 as a separate case ) : Back in XXXX of 2021 I hired a contractor to work on my basement. Most of the time, we communicated through email. He sent me the contract and invoices via email.as well as his bank information for wire transfers. Now he claims he never received any payments from me, and he never sent any bank information by email. Apparently, someone hacked into the contractors email account and was sending the bank information for the payments while monitoring the contractors email account. The hacker then deleted all the emails he sent. I made a wire transfer of {$11000.00} on XX/XX/2021, to the XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX Now the contractor claims he never received any money from me, so it seems like the payments went to a fraudulent account in XXXX Now, I want to get my money back from the XXXX XXXX XXXX XXXX XXXX provided that the bank did not properly verify the recipient ( who was able to open the fraudulent account ) and then accepted a wire transfer of more than {$10000.00}? I filed a fraud report with our local Police in XXXX NJ, case number XXXX, Chase Bank, Office of the Attorney General in XXXX XXXX, I also called the XXXX XXXX XXXX XXXX XXXX directly, and the branch manager, after talking to the compliance department, advised that Chase Bank will contact the XXXX XXXX directly. Can you please help me in getting my money back from the institution that opened a fraudulent account and accepted a very large payment to the fraudulent account? This can not happen that any hacker can open a fraudulent account so easily.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

When I purchased a house in XX/XX/XXXX, someone was able to get my SS #, and opened a mobile XXXX XXXX XXXX account. They used a variation on my name, but my correct address for billing at some point in XX/XX/XXXX. The thief purchased a new phone and services, and racked up nearly {$1400.00} in debt. I only found out about it when XXXX XXXX XXXX sent the bill to collections, and then I was contacted in XXXX of this year ( XXXX ). 

After contacting them, I was sent a fraud packet, which I returned as requested, with a police report, forms of identification showing my legal name, copies of bills, and my actual XXXX XXXX XXXX bill ( I've had them for service for over a decade ). My request to decline the fraudulent bill was denied, and I was informed that I still was responsible for the money owed. 

When I challenged this ( XX/XX/XXXX ), I was told they would investigate it again, and XXXX weeks later ( XX/XX/XXXX ), XXXX XXXX XXXX sent me the exact same fraud packet, asking for the exact same information I'd already sent them, which will do nothing but put me through their same system again. At no point has anyone actually spoken to me, or compared the bills showing that I've been a customer in good standing for as long as I have. Nothing 'new ' can possibly come from sending them the same information again, and I have no intention of paying for a bill I did not accrue. 

Attempting to contact their fraud department via phone, leads to a message stating 'high call volume ' and to set up a report online ( which I did as well ), but at no point does it send you to an operator. The call then hangs up with no other recourse. Calling a line for 'assistance in setting up the online report ' does get a live operator, but they are unable to help in advancing any other information to 'powers that be '. 

To reiterate : I have been a customer in good standing for over a decade, and have not missed or been late on any payments in the same time. 
Someone else opened an account with a misspelling of my name. 
Attempted resolution of the debt has been declined for reasons not stated. 
Challenging this decision puts me back through the exact same process that has been denied already.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

I have contacted the credit reporting agency to explain that the dates listed on this collection are invalid, I opened this account in XXXX this means that it is time for this account to be taken off of my credit report. Also the collection agency never sent me any information for me to verify the debt and the dates the debt incurred. I would like to have this account removed.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mitsubishi Motors North America, Inc. (PA)

Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America has sent me through pure XXXX they still missed transactions on my account which equaled out to XXXX the other day and its crazy that the cfpb is not inforcimg these problems they are giving customers as if you guys dont see it they missed transactions on my account now here I am with new claims from transactions from last year like is this real I need my money now as soon as possible I dont need this bull spit in my life why are you guys not making sure they are doing their jobs on our behalf this is crazy they are disrespectful as XXXX On the phone like XXXX I need answers and I want this situation fixed now Im pass upset Bank of America would do this and all u Guys do is let them Kno about the complaint and they still dont care I kno Im not the only person who feels like this the people need you guys to get on Bank of America for all of these mishaps in the mist of a panedemic this is ridiculous I dont want to wait 15 days for no XXXX response on 2 little claims someone fix this now please I have things I need to do as well hello Im a human being to I have to eat and live just like u can someone please be my guardian XXXX and help me fix this situation sooner then later I can never forget one claim was processed with a response within 2 days so I kno it can be done just please do it because Im trying to end a nightmare I wouldnt wish this on anyone especially during time like this please help
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Hello, I had a credit card from Gap by Synchrony Bank for more than a year. I've made all of my payments on time and that last payment scheduled on XX/XX/2022 for {$1600.00} didn't go through because I didn't realize I had a card on file for auto payments that didn't have enough funds to process it. Automatically 7 days after the transaction, the bank decided to close my account which now is affecting my credit score and history. I think this is very unfair and I would like to be able to fix it.
Consumer complaint received 2023-08-14
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. (NY)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On Saturday XX/XX/XXXX of 2021 XXXX XXXX. 
While on my second XXXX page " XXXX '' I seen a sselle that goes by the name of XXXX that was advertising XXXX XXXX for sale " {$30.00} each shipped ''. 
I contacted a seller about purchasing 2 of the XXXX XXXX ( XXXX ) XXXX XXXX they claimed to have. 
The seller informed me of what forms of payment they accepted and I chose to use Zelle. The cost of my purchase was going to be {$60.00}. I sent the money and the confirmation of the sent money. 

The seller stated they received it. 

After that I did not hear anything back from the seller. So on Wednesday XX/XX/XXXX of 2021 @ XXXX XXXX I contacted the seller asking if they had sent the items we purchased. They said they had sent it & had the shipping information. I requested to receive the tracking information of the shipped items ( XXXX XXXX ( XXXX ) XXXX XXXX ). 
But they did not send any tracking information I sent 4 more messages requesting the tracking information or a refund for more times that same day. 

They still claimed to have the tracking information but did not provide it. 
I sent four more messages requesting it and have not heard back since. 

This is the information I've been able to retrieve on the seller : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NJ)

On this date XX/XX/2021 XXXX XXXX XXXX opened a collection. 
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MA)

Complaint re : NewRez Loan I am writing to complain about the re-financing of an existing loan with NewRez LLC. This was a long-drawn out procedure that began in XX/XX/XXXX and was closed at the end of XX/XX/XXXX but there are still unresolved errors. Most of my complaints are about inefficient procedures by NewRez that are better suited to a business complaint site but I have 3 specific issues that are squarely within CFPB purview. These are 1. My loan closed on XX/XX/XXXX ( and took effect on XX/XX/XXXX after the 3-business day waiting period ). I paid 5 months escrow property tax because a tax payment was due XX/XX/XXXX. As of XX/XX/XXXX, NewRez has not paid the property tax that was due, instead holding my money that I had already paid them in escrow. 

2. I sent a written notice of error to NewRez on XX/XX/XXXX. No acknowledgment of receipt of this notice of error has bene forthcoming as of XX/XX/XXXX ( 9 business days later ). I called on XX/XX/XXXX and alerted them to the error and sent a copy of the property tax bill to the helpfful lady who answered my call. The best she could do was to promise me to " Open a research inquiry and respond within 15 business days '', no fault of hers but a bit ridiculous since they actually had a copy of the tax bill showing that the amount was due on XXXX and they had not paid it. 

3. The underwriting process is broken - they never provide a comprehensive checklist of documents that the client has to provide. Instead they ask for docs, a few weeks later ask to clarify certain things like a transfer to a bank account, then wait more weeks and ask for updated docs XXXX pay stubs and bank statements in particular ), rinse and repeat. I must have submitted paystubs and bank statements 7-8 times over 6 months. The final irony was when they wrote back to say my loan amount was inaccurate because I was getting too much cash back solely because they had dragged the process out for so long that I had paid my loan principal down so much. The most important consequences of this delay were i ) the need to re-run my credit ( a second hard inquiry that dinged my credit score ) ; ii ) the need to re-cert my appraisal ( although they did credit me for that fee ) and iii ) the fact that my new mortgage payment was {$600.00} less than the old one, so I paid {$3600.00} extra over the dragged out refinance of which I assume at least half was due to unnecessary foot-dragging.
Consumer complaint received 2022-02-19
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. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.