davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: CLGF Holdco 1, LLC (CO)

I received a bill for a credit card from Genesis FS Card Services. It was a Mastercard and the number is XXXX. 
I have no knowledge of this card and did not apply to receive this credit card. 
The balance dates and amounts are during the course of time I was incarcerated in 2021, thus further proving I had no knowledge of this account or card and did not agree to these services. 
The credit line is {$300.00}, the past due amount was {$280.00} and the Over limit amount is {$320.00} Late payment {$40.00} Interest charge purchase {$14.00} Bringing the total balance to {$620.00} I would like this issue to be investigated if there was either possible fraud on the companies part, or the possibility of my ex boyfriend opening accounts without my knowledge and using and hurting my credit during the time of my incarceration in 2021.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX DOB XXXX SS XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Four Directions Lending LLC (MD)

This is the second complaint I am issuing for the same company for the same reason ( Previous Complaint ID XXXX - attached ). The response submitted indicated the following : " We have also moved Ms. XXXX XXXX XXXX account to our safe queue and added her phone number to our Do Not Call list, and she has been opted out of further email communications. '' I still receive collection calls from WestSide Lending. Today, XX/XX/2021, I answered and reminded the company I sent a cease and desist letter. The representative claimed they never received the letter and accused me of lying. I confirmed the email address I used was correct and resent the letter via email this morning ( backup attached ).
Consumer complaint received 2021-04-06
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: ALLY FINANCIAL INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Failure to protect my personal information, putting me at risk of credit and identity theft for the rest of my life. I have been very careful with my personal information otherwise and shouldn't be punished with the looming threat of identity/credit theft for their lack of security.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Processing Group LLC (CA)

SCAM. COMPANY IS ON THE FTC LIST OF LAWSUITS FOR THEMN NOT TO CALL PEOPLE. THEY STATED THEY ARE CALLING FROM NATIONAL PROCESSING SERVICE. THIS COMPANY WAS ASKED TO STOP CALLING MY PHONE NUMBER BECAUSE THERE IS NO ONE BY THE NAME THEY ARE REQUESTING. HOWEVER, THE CALLS CONTINUE. THEY HAVE ASKED FOR BANKING INFORMATION, CREDIT CARDS, SSN, ETC. SEEMS AS THOUGH THIS IS SOME TYP OF FRAUD, ESPECIALLY SINCE THE COMPNAY IS LISTED ON YOUR WEBSITE AS BEING IN A CALSS ACTION LAWSUIT. SOMETHING MUST BE DONE TO STOP THIS NONSENSE.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (UT)

Greenlight XXXX is reporting erroneously on my credit report and it must be fixed. I have been disputing this with them for some time and nobody can ever help me. They are reporting an account on my credit as a repossession and it is not a repo!! They have admitted that they are reporting inaccurately but will do nothing about it. This account was paid in full and I returned the vehicle back to them. I did not stop paying on this account, I simply paid and returned the car and they continue to report erroneously on my credit file. I am aware that you are the furnisher and can report to the bureaus as you deem fit and I ask that you report accurately. If you can not do so, I ask that you send me a letter stating this account should not be reporting on my credit at all period.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XXXX 2008. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and did n't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
Consumer complaint received 2017-09-19
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. (NC)

I went to XXXX Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was according to XXXX Waited until XXXX XXXX 2017 to  enroll. Did that XXXX XXXX said I would receive a confirmation email that night. TODAY is XXXX XXXX  2017 called to ask about confirmation email was hung up  on Twice before I got the third Rep who did n't know anything. I think XXXX XXXX is just giving me and other consumers the run around with the Monitoring Service it  is supposed to be offering!!!!! In the mean time my Credit is  suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Consumer complaint received 2022-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I had this car for 5 months and it was still at the dealership i purchased it from from the entire time. the gave me 4 loaner cars. i finaly got the car and i took it for a oil change. the car locked up at the shop were i took it for the oil change. i had a warranty on the car and they want me to paid almost all of the money for repairing the car so i gave it back to them. they placed a balance on my credit report after selling me a lemon why didnt the finance company go after the dealership.
Consumer complaint received 2019-05-29
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. (WA)

XXXX ; XXXX  and Transunion are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA/Compass Bank Checking Account XXXX Fraud Management Department Phone ( XXXX ) XXXX option 2 My checking account was compromised in a fraud attempt on XX/XX/2020. Money was transferred into my account via ACH in the amount of {$7400.00}. 

There was a beginning balance BEFORE the inbound ACH of {$200.00}, which brought the ending balance to {$7600.00}. 

{$2500.00} was withdrawn from the account via check on XX/XX/2020. 

The account was frozen pending investigation on/around XX/XX/XXXX. At this time, my son and I were threatened with bodily harm by the scammers until they gave up. 

There was some communication between myself and the bank 's XXXX  Fraud Management Department, along with a few attempts to RETURN the {$2500.00}. This was successfully done on XX/XX/2020, bringing the balance back to {$7600.00} ( the balance AFTER the ACH posted ). 

On XX/XX/2020, the bank sent the ENTIRE BALANCE, INCLUDING MY {$200.00} via ACH to the original sender of the {$7400.00}. 

I can not find a viable mailing address on the BBVAUSA.com website and calling them goes nowhere. 

Now I get the runaround -- on the rare occasion I actually get ahold of someone in the department. 

This morning ( XXXX XXXX, 2020 ) the rep in XXXX Fraud Management Department informed me that I relinquished the money because I had cashed a check for {$2500.00} ( XX/XX/2020 ), completely ignoring the fact that a. ) the entire {$2500.00} was RETURNED and b. ) the amount they sent was MORE than was RECEIVED by the sender! 

XXXX Fraud Department then provided me with the Dispute Department ( XXXX ) as the only option. I called, spoke with one person and was transferred to another person, who then transferred me BACK to XXXX Fraud Management. There, I ( again ) toiled on hold until I could not wait any longer. 

This is easy accounting! I am filing a complaint because the fraudulent amount was {$7400.00} and they should and sent back {$7400.00}, NOT {$7600.00}.
Consumer complaint received 2019-03-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

Back in XX/XX/2018 I disputed this account with WFDS of {$8200.00} and XXXX. XXXX   told me that they have validated the debt and the debt is valid. I challenged that because I never received substantial information such as an original signed consumer contract from XXXX/XXXX  or XXXX or even WFDS during this time period. I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. 

I requested this information from WFDS as per FCRA and FDCPA regulations I requested the following, which were never done and sent to me. 
1. Copies of the written notice you provided to all lienholders by first class mail of your intent to file for a repo title and 2. A copy of California form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lienholder The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle.WFDS was unsuccessful in providing me with this information after my request on XX/XX/2018. WFDS was unable to provide the required proof within 15 days of receipt of the letter I sent on XX/XX/2018, the alleged claim of deficiency will be considered null and void since WFDS failed to comply with the proper consumer protection laws.
Consumer complaint received 2018-07-18
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: Consumer Portfolio Services, Inc. (FL)

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. Consumer Portfolio S ( Auto financing ) inquiry from XX/XX/2018
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mendelson Law Firm (MS)

XX/XX/XXXX unauthorized Bank Garnishment XXXX from savings account bank charged XXXX fee caused account to be negative XX/XX/XXXX unauthorized Bank Garnishment XXXX from checked account charged XXXX fee by bank for garnishment caused account to be negative Never received Full validation of debt or notification of Garnishment
Consumer complaint received 2019-03-08
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: EQUIFAX, INC. (FL)

XXXX XXXX inquiry-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ... ..XXXX XXXX Inquiry-XX/XX/XXXX, XX/XX/XXXX ... .XXXX XXXX XXXX XXXX inquiry-XX/XX/XXXX , XX/XX/XXXX ... .XXXX XXXX inquiry-XX/XX/XXXX.. contact these creditors and some stated they couldnt find no application from me and the others stated the on application on there file with my info is from XX/XX/XXXX or XX/XX/XXXX nothing with years of XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2023-04-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In XXXX of XXXX  we purchased a home with an FHA loan and a few years later we tried to modify the loan due to job loss and unable to pay. within a few years after that we tried to remodify due to car accident and was not able to due to company not being helpful with options. then when it came to a foreclosure we were able to sell our house out right but at the time of getting closing numbers and pay out numbers the company did not give us the right numbers and gave us different numbers the few times our lawyers asked for them therefore we had to come to the table with extra money. 
years later trying to get that record of late payments off of our credit the company would not remove them.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from Providian Bank at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XX/XX/2002. I also have other documentation from Provianian regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use.

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below. 

Also, I am disturbed about this entire situation from XXXX XXXX XXXX, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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. (FL)

As of XX/XX/2023 I am disappointed with Transunion dispute center. I called in and spoke to a represenative to let her know that there were unauthorized inquiries on my credit report. She responded that the inquiries were " factual '' and had to remain on my credit report for two years. I explained to the rep that these were not created from my doing. I tried disputing these items online but to no avail the system wouldn't allow me to do so either. I have filed a FTC complaint and i am asking for these items to be removed immediately from my credit report. The report number the represenative gave me was XXXX.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion credit bureau has old incorrect information on my credit report stating that I have a negative derogatory account withXXXX XXXX XXXX XXXX. The account with XXXX is no longer in derogatory status and I do not owe the current loan amount.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Since I opened this account on 2021 I never had issues to be served through call center, since a couple of months ago they are puting a lot of troubles to be " verified ''. 
I have the same phone number since I open the account, I receive the passcodes by phone call without any troubles to access my app, but when I call customer service they said that the system doesnt allow to proceed with that. So it means that the " system '' is too XXXX  that doesnt allow to read back the passcode, I cant guess what phone number or phone carries likes to the system 's bank. All the calls I was requested to send a utility bill and my passport and should wait at least XXXX hours to call back again to the bank. 
I cant do all of this process and bureaucracy due a non usefull verification system. 
The bank have many tools to verify me, like personal information, account information, when and where was opened the account, a recent transactions or even a callback to the number on file. Also can send a push notification to the mobile device registered. 
or also fix the issue that when i put the debit card number and my pin as always but the automated system doesnt recognize the information and because im not XXXX XXXX I dont have XXXX. 
Is not customers fault the phone verification failure because I get the codes. 
I need a solution for all of this troubles that the banks makes. 
Now I have my debit card locked, being impossible to unlocked or get a replacement card through the mobile app