davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received the attached two letters from Capital One for two different accounts. The letter simply states " Our Research found no signs of fraud ''. If the CEO received these letters, do you think he would want an explanation? Especially after the cards were adjusted 9 months after Capital One closed the cards and the cards were adjusted two months after the cards were charged off. Wouldn't anyone want an explanation and details instead of " Our Research found no signs of fraud ''. There had to be research if they removed the charges months after closing the accounts and months after charging the cards off. My cards were unknowingly stolen, used, and the fraud payments made to exceed the credit limits.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.
Consumer complaint received 2020-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

Nissan XXXX  are in breach of contract. I was told that i could pay the load the way i am paying it. I have made this type of payment from the start which, regardless of what was discussed at the dealership, nissan XXXX  agreed to this method by accepting the payments and never complaining until recently, here are the payments made as far back as Im able to go with my back. Nissan has removed the payments on their web page. Odd that i dont see one payment for XXXX in this list and you would think that in a 3 year span, had the amount i had been paying not been agreed upon, they might have had objections before now.
Consumer complaint received 2021-08-18
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: NAVY FEDERAL CREDIT UNION (SC)

I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

On XX/XX/2020 I obtained a cashiers check from XXXX XXXX XXXX for {$700.00} to pay my mortgage payment to Mr. Cooper for the month of XXXX. {$690.00} was the payment with an additional {$7.00} to be added to principal. I mailed this check via certified mail with signature confirmation. On XX/XX/XXXX, the documentation shows the check was delivered and was signed for by a Mr. Cooper employee. Mr. Cooper then lost the check, failed to credit the payment to my account and then failed to inform me of this. 

Suspiciously, I only found out about this because I am refinancing my mortgage to another bank. When I obtained my payoff balance it showed me a month behind. I immediately contacted Mr. Cooper and provided them all of the documentation which includes their signature. Not surprisingly, they claim this documentation is " insufficient '' for them to find the check. ( I am attaching that same documentation to this complaint. 

As a result of this negligence by Mr. Cooper, I have been damaged in numerous ways including out of pocket expenses and damaged credit.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I previously owed money to two banks in 2016 ..I previously paid both accounts in FULL ..I have tried to previously open a new bank account in which I have been denied numerous times ..why would anyone try and do the right thing 4 years later and try and clear up the debt if your still not going to be able to open an account once the debt has been paid? One account actually claims there was suspected Fraud which in inaccurate to say the least! Why arent these two banks removed from the XXXX if they have been paid in full?
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted XXXX XXXX to reach a resolution. 
After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that XXXX XXXX would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that XXXX XXXX sticks to the agreement and requests the deletion of this collection from the three credit bureaus.
Consumer complaint received 2020-12-04
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. (TX)

After pulling my credit report on XX/XX/2020 i noticed this account added that is not mine. I have never had a bank account with XXXX. The statement says it was deposit related and after research it was seen to be a bank account
Consumer complaint received 2022-07-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2020-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX  it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian for Failure to Provide Credit Report and Score To Whom It May Concern, I am writing to express my grievance and to file a formal complaint against Experian for their persistent refusal and failure to provide me with my credit report and score since XX/XX/XXXX My name is XXXX XXXX, and I have been significantly impacted by this issue, which has impeded my ability to conduct personal and business financial transactions effectively. 

On Monday, the XXXX, I engaged in detailed conversations with both the Dispute Department and the Customer Service Department at Experian. Despite these discussions and my proactive steps to update and correct my address with their guidance ensuring all my information was accurate to facilitate the delivery of my report no resolution was provided. I was assured that I would be able to view my report online at experian.com within 48 hours of these updates. Unfortunately, this assurance proved to be unfounded, as I have still been unable to access my credit report and score. 

To date, I have made five attempts to resolve this issue through calls to Experian, speaking with various agents and departments in an effort to rectify the situation and gain access to my credit information. These interactions have not only been unproductive but have also led to further frustration due to the lack of follow-through and accountability from Experian 's side. 

The inability to access my own credit report and score is not only a breach of my rights under the Fair Credit Reporting Act ( FCRA ) but also poses a significant risk to my financial health and business operations. It is crucial for me to monitor my credit to protect against fraud, ensure accuracy, and maintain financial stability. 

Your Report Number is : XXXX Your Investigation ID is : XXXX I am seeking the CFPB 's intervention to compel Experian to provide immediate access to my credit report and score. I believe that the CFPB 's involvement is essential to resolve this matter satisfactorily and to uphold my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-09
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: JPMORGAN CHASE & CO. (FL)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (GA)

I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.
Consumer complaint received 2021-08-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (MA)

I am filing a complaint with financial assistance in reference to a collection they are trying to collect for XXXX XXXX XXXX. I have already reported to them that this debt is a result of Identity theft and have been working with a fraud investigator names XXXX XXXX. I have sent in all of the documentation that was requested to resolve the fraud and get this account removed from my file, and to no avail have been able to get this matter resolved or even reveille a call back from them. 

I have attached all of the emails showing the prior complaint with CFPB which they lied and the emails with XXXX XXXX and I will show they mis lead me and the CFPB.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (TN)

I have disputed my debt with this Plaza Services Inc PLAZA SERVICES XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX and XXXX several times asking for validation of debt. I have sent this company emails, left voicemails and mailed letters this company has not once contacted me to verify my debt neither phone, email or mail. I have also complained to XXXX about the company not verifying debt with me so I am uncertain of how they are getting responses.
Consumer complaint received 2022-08-05
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. (NY)

In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN EAGLE MORTGAGE COMPANY (GA)

We just bought a new house this summer. During that time, the home builder, XXXX XXXX recommended that we go with their preferred lender, XXXX XXXX Mortgage. Within 30 days of closing XXXX XXXX finally gave us a locked in mortgage rate, which was a XXXX percent higher than my regular mortgage lender, but at that time, we were within the 30 days of closing. XXXX XXXX then said we could n't change lenders because it was too late. My issue is the by the time we finally got the higher rate and higher closing costs with XXXX XXXX, XXXX XXXX would not us allow to go with another lender. In the end, my mortgage rate is higher by .25 % and closing costs ( $ XXXX XXXX as well.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Account opened XXXX Previous deposit went through fine. 
Deposit of XXXX on XXXX all funds were held due to " back office hold '' for new account. Again- previous deposit went through with no holds. 
Contacted bank to release hold and they said no. No access to money until XX/XX/XXXX ( 10+days. ) Mobile deposit info says that if a hold will be placed- you will be given option to cancel deposit. This was not offered. 
This is absurd. Bank is holding my money that I need for no apparent reason since previous deposit went through without " new account '' hold.
Consumer complaint received 2018-07-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (LA)

Called Santander Consumer USA about my XXXX mother 's account. She financed a new truck with them in XX/XX/XXXX with a 72 month contract. The contracts first payment was for XX/XX/XXXX. She got 6 months worth of payments ( 6 payments ) moved to the end of the loan due to illness. The current maturity date is XX/XX/XXXX ( today ) but the balance is still {$9000.00}. I went over the transaction history and most of the payments she made went towards interest, i.e. her payment is {$540.00} but $ 300-500 would go towards interest. This account should be paid out by now unless there is something I'm missing. I need for you all look into her account for me and make sure their actions are justified.
Consumer complaint received 2021-08-16
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with the lenders this was ran through a third-party without my permission for these particular company thank you
Consumer complaint received 2020-10-26
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: EQUIFAX, INC. (SC)

I mailed in a copy my dispute letter to equifax on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility bill
Consumer complaint received 2017-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.