davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (SC)

I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer  XXXX   XXXX   XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance   XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

This company " BULL CITY FINANCIAL SOLUTIONS '' put a collections of debt notice on my XXXX credit report. When I called them, they stated they have no record of me yet they were able to upload the collection to my XXXX credit report as I am getting ready to finance for a new home. They stated to just dispute the claim which is delayed. Their data practices are not correct if they can submit a damaging claim and not correct it. 

Bull City already informed me due to their lack of data management they can not do anything for the damage caused. This was complaint process is a formality before getting an attorney for damages
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (NV)

XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hi there, InXX/XX/2020, I landed a job in XXXX XXXX. I reside in XXXX, CA so I needed a room to rent in XXXX. I found a place to rent and paid the deposit of XXXX dollars through XXXX. However, the position that I was going to do didnt work out so I no longer needed to rent a place in bay. I asked the landlord to refund the security deposit of XXXX, she refused and told me to do it myself, so I called my back WellsFargo and they disputed the transaction. But, recently I noticed card reversal on my checking account and I got charged again the same amount of XXXX dollars. I called both the bank and XXXX and they werent able to refund my money. I also emailed the landlord asking her to refund the money, ten days have passed and still no response. I hope CFPB can take action to successfully resolve this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2017-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by   XXXX     XXXX   XXXX ,    2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by  XXXX   XXXX   XXXX , 2017  XXXX , FL  XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX  )  XXXX
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

Cash app sold my stock on XX/XX/XXXX without my knowledge or consent. They claim my account violated their policy is the reason. Ive asked what is the violation and nobody will tell me. There has been no violation on the account. They didnt take my bitcoin due to the supposed violation. I emailed them about this and they claim to have sent me an email on XX/XX/XXXX saying to transfer my funds that I never received. Im told the account is closed, however the shares they stole have still received dividends per the cash app account. Still happening after they claim the account is closed and I have no shares. I have no idea where the dividends are going. I was not told or asked about selling my shares. They did this illegally and have not returned my funds or shares.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My mother had fraud on her Fifth Third savings account on XX/XX/XXXX ( I am POA on her accounts XXXX. She found the fraud when looking at her checking account and went into the branch right away on XX/XX/XXXX to dispute the transaction. Fifth XXXX denied the claim. She went to the branch on XX/XX/XXXX to find out why. She was first told the other bank had proof it was valid. This was not the case. They later said it was that she didn't sign an affidavit. She was never sent an affidavit. She signed the affidavit on XX/XX/XXXX. It is now XX/XX/XXXX and we are being told they are still reviewing the case. I've reached out to the branch multiple times. They said they have escalated to the Office of the President. They took the funds back out of her account when the case was denied. My mother is elderly and I feel as though fifth third is discriminating against her. I had to be added as POA to help try to resolve this issue. I feel Fifth Third is exceeding it's time frame of resolving this issue. My mother didn't even know you could ACH from a saving account. If she needs money it is moved from a saving to her checking. I'm hoping you can help move this case along. My mother 's information including case number. 
XXXX XXXX XXXX Case # XXXX Acct ending XXXX
Consumer complaint received 2017-10-16
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. (GA)

THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX MORTGAGE 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 DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX AUTO FINANCE XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER 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 XXXXXXXX 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/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 RENT GROW XXXX/XXXX/XXXX
Consumer complaint received 2020-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC (CA)

I was contacted by phone by Diversified Recovery Bureau attempting to collect a debt they claimed I had from XXXX XXXX and XXXX XXXX. They had the address of a previous residence as well as the last 4 digits of my SSN. 
I have never taken a loan from XXXX XXXX or any other payday lending institution. I contacted a branch of XXXX XXXX and XXXX XXXX and confirmed they do not have any record of doing business with me. Diversified address and contact info is : Diversified Recovery Bureau XXXX XXXX XXXX XXXX XXXX NY XXXX United States Of America NMLS ID # : XXXX Phone XXXX XXXX XXXX XXXX diversifiedrecoverybureaullc.com
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am buying a house so I 'm applying for a housing loan. On  XX/XX/XXXX , the financial institution 's representative processing my housing loan, run and printed my credit report from TransUnion. On that credit report, the credit card account with   XXXX   XXXX    Card  ending   XXXX    has a statement/comment that says : INCLUDED IN CH   XXXX    BANKRUPTCY, however, this is NOT TRUE because this account was not included in the bankruptcy, it is still open and monthly payments are made. I called   XXXX   XXXX   and they said that the statement is not appearing on their report to the credit bureaus & they do n't know about the bankruptcy statement.   XXXX   XXXX   sent me a letter to confirm that this account was not included in the CH  XXXX  bankruptcy. I called   XXXX   and they said that the comment/statement is not showing on my credit report. I checked my credit report on the website of TransUnion, last  XX/XX/XXXX  and this is where I found the comment on the   XXXX   XXXX   card account that this account is " included in the CH  XXXX  bankruptcy '', on my credit report. This comment makes it appear that I filed another bankruptcy in   XXXX   and it is still open and because of this the financial do not want to approve my housing loan application unless TransUnion corrects the report. This is causing the delay in the loan process and the seller wants to cancel the acceptance of the offer. There is a chance that I might lose the opportunity to buy the property if this do not get fixed in right away. I filed a dispute on the credit report online in TransUnion 's website, last  XX/XX/XXXX  and was instructed to send supporting documents to their   XXXX   XXXX   addres and which I did as soon as I got off from work. I sent it thru overnight mail last  XX/XX/XXXX  and they said TransUnion wil receive it on Monday,  XX/XX/XXXX  at   XXXX   XXXX  . Yesterday, XX/XX/XXXX , I called TransUnion to follow up that status. The customer representative said that they have not received the documents yet and I asked her if I can fax the documents so they review them. I asked for the fax number & was instructions on what to put on the fax cover. I followed the instructions and faxed the documents right away. Today,  XX/XX/XXXX , I called TransUnion to follow up if they received by documents I mailed and faxed. I spoke with the customer service representative, his Supervisor and the Supervisor 's supervisor and they keep on stating that they will investigate and will take time. I keep on explaining that I do n't have much and that there is a chance that I 'll lose the opportunity to buy the house I want just because of the incorrect credit report.
Consumer complaint received 2016-08-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I fell behind in my mortgage payments due to a XXXX. I continuously called the Ocwen loan servicing for assistance. I was told to continue making the payments when I could. In XXXX 2016, I called Ocwen and was told in that my payment was 90 days past due, nothing could be done. I explained to the rep that I was calling for months. It was noted on my account of the calls to different reps. I was told 'sorry '. In XXXX, I was told XXXX was due to bring my mortgage current. I sent he overnight payment of XXXX on XXXX XXXX. USPS delivered the overnight payment on XXXX XXXX. I checked my account on XXXX XXXX and I was told the payment was received late and now my new payment was XXXX by XXXX ( relationship manager ). My XXXX payment was returned to me. She advised that payment must be sent by the end of XXXX 2016. I was also told to send the late payment to avoid the payment being returned. On XXXX XXXX, I sent a XXXX cashiers check to Ocwen. USPS delivered my check on XXXX XXXX at XXXX hrs. Prior to sending the check, I called and the operator validated that XXXX was the correct amount. The operator updated the account stating my required amount and that I was sending it on XXXX XXXX, 2016. On XXXX XXXX I called ocwen and was told by operator XXXX that my payment was not received. I called USPS and was told the packadge was delivered and signed for by 'XXXX ' on XXXX XXXX, 2016. I called back Ocwen on XXXX XXXX, XXXX and spoke to operator XXXX. He advised me the payment was received and the reinstatement was being processed. On XXXX XXXX I called Ocwen again - spoke to operator XXXX-and was told the payment was not received and XXXX was due immediately for reinstatement. I explained all of the aforementioned information. After going back and forth on this call, the operator told me the payment was received on XXXX XXXX, 2016 but not applied. The operator could not tell me why and seemed puzzled. I was transferred to the escalation manager, XXXX. XXXX XXXX tried to assist me, but could n't explain why the payment had not been applied or why my account was not reinstated. I have yet to find out what 's going on and I am deeply concerned. I do not want a foreclosure on my home. Owen has my reinstatement payment for almost 2 weeks and no one can tell me what 's going on.
Consumer complaint received 2017-08-28
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. (IL)

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

I would like to report XXXX XXXX and XXXX also the collectors and creditors as I told all three credit bureaus back in 2020 that I was a victim of identity theft and fraud also that I'm also a hurricane Harvey victim and that a lot of my personal information had been stolen when some homeless people broke in my home and I was transfer to XXXX XXXX Texas by bus. I have disputed these several times and nothing is being done there's only three accounts that have been paid in full with certified letters I turned in all information I even received a letter from XXXX XXXX saying thank you for the payment and yet a month later they still sold my information to a collector 's agency called NCA they want me to pay {$110.00} so they can close it and it says closed already but it's not removed the initial payment it says {$220.00} which is not right! I want this resolved immediately it's hurting my credit and so is another one for {$920.00} it says account status charge off and paid in full yeah it's still on my account sold to XXXX XX/XX/2020 this has been also taken care of with the certified letter and needs to be removed from my credit report. I worked hard for my country and I'm a XXXX XXXX of 22 years with heavy metals in my blood not by choice I don't deserve this my credit needs to be where it needs to be good I pay all my bills and I've been working really hard to get my credit fixed and these people are not helping me one bit they just keep asking me for money to boost my credit this is an outrage and very disappointing they also have not removed all the different addresses during my lifetime I'm XXXX years old I need this fixed I live in XXXX XXXX Texas and plan on staying here and buying a home as soon as my credit is where I need it to be! They also have a dispute from XXXX  my bank which I never asked for dispute because I use them and they're the ones helping me with my credit right now and keeping track of all my payments of my bills insurance and rent so they have everything mixed up! I have a couple of hard inquiries that I don't even know of and that is probably due to the fact that I was a victim of identity theft and that also needs to be removed immediately and they have not done so when they promised me that they would. There is specifically five hard inquiries that is hurting and harming my credit with all three credit bureaus and this is unacceptable because four of them I don't even recognize like I said I'm the victim. The only dispute that complied was Universal payment core they did say I paid in full and they closed my account as promised on XX/XX/XXXX other than that nothing else has been done and that's sad because I don't deserve this how would you like it if this was happening to you and what would you do? I'm being harassed from XXXXXXXX XXXX  and I needed to stop! Please help me.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

Hello, I canceled a Cash App transaction the third party did not cash out so no money was received to the third party. I canceled the pending Cash App transaction to XXXX XXXX for {$100.00} and cash app confirmed they refunded my bank. The cancelation happened on XX/XX/XXXX. My bank verified no refund was received by cash app. I tried filing two claims with my bank both claims were denied. They say they are unable to process claims to third party money transfer companies. My bank confirmed no refund was received in my account from cash app. I have contacted cash app XXXX times or more each time they tell me to file a claim with my bank that they refunded me XXXX on XX/XX/XXXX. There is nothing else they can do for me. I am a low income single mom and XXXX is a lot to me and I desperately need my money back. I would like to file a legal claim against cash app or an official claim to cash up the multiple agents I have spoke to with cash app continues to tell me the same answer I have to file a claim with my bank I have tried to file a claim two different times with my bank both times they say a refund was not received into my account and they are unable to retrieve funds back from cash app. Cash app refuses to help me any further other than telling me the refund was issued already and to file a claim with my bank. I need further assistance from cash app merchant services to see and XXXX where my money is but they will not help me. 

Original transaction date XX/XX/XXXX {$100.00} to XXXX XXXX XXXX Cash App - Refunded on XX/XX/XXXX XXXX XXXX DOB- XX/XX/XXXX Address : XXXX Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail : Search, Organize, Conquer
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX or Transunion.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TN)

A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.