davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION (CA)

I am working XXXX XXXX  since XX/XX/XXXX to present. Today, XX/XX/XXXX at XXXX, I received a call from my place of employment which is the XXXX XXXX XXXX XXXX I was informed that Check n go has been calling several times repeated each day and claimed that they are a collections dept. I was given the contact phone number which is XXXX and they answered collections dept. I informed that I do not have a pending debt with them but I was a previous customer and informed of the situation. The person I spoke to by the name of XXXX informed me that I do not have a balance and that I would receive an email with a verification letter. At XXXX today, I received another email from work informing me that they have been calling 3-4 times a day! I will also seek legal advice!!
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NV)

My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ALDOUS AND ASSOCIATES Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXXAfter looking at my credit report, I see that ALDOUS AND ASSOCIATES Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. 
Specifically, ALDOUS AND ASSOCIATES Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. ALDOUS AND ASSOCIATES Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation.

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. ALDOUS AND ASSOCIATES Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation.

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. 

ALDOUS AND ASSOCIATES Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. I demand that ALDOUS AND ASSOCIATES Collection Agency cease all collection activities related to my accounts and delete the reporting of the accounts to the credit bureaus.

Furthermore, if ALDOUS AND ASSOCIATES Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against ALDOUS AND ASSOCIATES Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-01-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TN)

I am a human being, I am a Woman, I am an XXXX American, I am a XXXX Veteran. I applied for a VA Home Loan and was approved with navy federal credit union in XX/XX/XXXX. XXXX XXXX is the loan processor. She failed to keep me inform of my home loan status or return phone calls and emails. When we talked over the phone on XX/XX/XXXX at XXXX She told me that I talk like I am an animal. She stated that she is XXXX  XXXX  so she can not be XXXX. She dehumanized me to justify her mistreatment and devaluing of me. She did not give me info on my loan and told me her boss XXXX XXXX the guy that hung up in my face in XX/XX/XXXX knew about me. I got sick to stomach and my family was upset about how XXXX talked down to me and her XXXX speech and attitude towards me.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alpha Recovery Corp (MI)

In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from XXXX  XXXX XXXX with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by Alpha Recovery Corp. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact Alpha Recovery Corp to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by XXXX  XXXX XXXX? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!
Consumer complaint received 2020-07-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

I took out a loan with Wells Fargo for a XXXX XXXX in XXXX. Since the car was financed I had full coverage insurance on it. In XXXX of XXXX to XX/XX/XXXX again in XX/XX/XXXX to XX/XX/XXXX and once more XX/XX/XXXX to XX/XX/XXXX Wells Fargo XXXX XXXX insurance on my loan. With the added amount I could not keep up with the higher payments and they reposed my car. XXXX of XXXX i was made aware of a lawsuit against Wells Fargo regarding XXXX insurance. They asked that I provide them proof and I did at that time. After waiting with no answers I contacted Wells Fargo multiple times with no definitive answers. They final sent a check XXXX of this year and it was returned due to no fault of mine. Ive contacted them multiple times to please reissue my check. Nothing has been done to this date. Please help me get my money .... Thank You
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (WA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in XXXX and XXXX in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. GOLDMAN SACHS BANK USA XXXX Balance {$3900.00}
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also Experian took more than 30days to complete my investigation. 

I sent Experian my request to investigate XXXX XXXX  Account XXXX IN XXXXThey respond another lender purchased the account, but they did not validate the debt. I again mailed the request XX/XX/XXXX XXXX  which they received XX/XX/, tracking number ; XXXX for them to investigate because Im concern the information on my credit is incorrect. 30days has passed and Experian has not notified me of any investigation results. 

I attached my credit report which shows the credit bureaus reporting incorrect date open. Incorrect last date reported. Incorrect last date active. This is a violation. This is impacting me from moving forward to buy a car for my growing family.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (KS)

Synchrony bank charged my card XXXX seven times on XX/XX/2021 when they were supposed to take off a XXXX charge that was for a exchanged washer on XX/XX/2021. They also took off all of my promotions that didnt accrue interest when trying to refund the money. One that is supposed to expire this month. I have spoken to a XXXX, XXXX and a XXXX which have been no help at all, and were rude. Synchrony already acknowledged the mistake, but refunded the wrong amount, and I am being still charged for 2 washers rather than one. I have no idea what is going on at this point. I have been a good customer for years. I intend to take legal action if this isnt resolved.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefield and associated XXXX. I've told them over and over that I had 2 insurances.Ive disputed it over a year and if they go back they would see that I was covered by XXXX XXXX and XXXX XXXX and XXXX so I know there should not be a balance but they still have it on my credit report and I've asked them to remove it more than once.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It's disheartening to inform you that despite providing all the necessary identification documents, the company continues to send stall letters regarding the disputes I've submitted to rectify my credit report.
Consumer complaint received 2021-06-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been 50 days so they should be deleted promptly.
Consumer complaint received 2020-01-25
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I went to XXXX XXXXXXXX XXXX XXXX they told me they would pull me credit once but i had multiple hard inquires XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo bank claims that My checking and savings account was closed in XX/XX/XXXX by them, but I closed my account. Now theyre trying to accuse me of owing them over {$400.00} in overdraft! From three years ago! Theyre also telling me that they charged my account off and they closed my account and thats not true. I tried to tell them that my identity was stolen in XXXX and again recently, but I was able to retrieve everything. This could be another indication of that but see Wells Fargo just wants their money so theyre not doing what Ive requested. Ive put in several Complaints and to have them investigate and they wont do anything, but keep sending me a bill for money. They think I owe them which I dont and I will never pay it by the way.
Consumer complaint received 2021-06-07
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. (NC)

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold XXXX XX/XX/XXXX XXXX until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my Equifax report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX;XXXX/XXXX XXXX;XXXX/XXXX XXXX XXXX XXXX XXXX;XXXX XXXX XXXX;XXXX/XXXX XXXX XXXX;XXXX XXXXXXXX;