davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (TX)

Someone fraudulently opened an account with America First Credit Union in my former name and spent {$17000.00} according to the negative information that I discovered on my credit report. The address reported that is associated with the account is a place I have never lived at or have ever been associated with. I have lived in Texas since XX/XX/XXXX and I do not think we have America First Credit Union here. On my credit report, it states this account was opened in XX/XX/XXXX. I legally changed my name in XX/XX/XXXX and also changed my name on my social security number in XX/XX/XXXX so if this account were truly mine, I would have used my current name, XXXX XXXX XXXX, to open the account. I have reached out to America First Credit Union regarding this information and they claim that they have already sent the account to collections. I believe I am the victim of identity fraud & will do whatever I can to prove that this account is not mine. I have submitted disputes with XXXX and XXXX, wrote letters to America First Credit Union with all my correct information to prove the account is not mine but have not succeeded with disputing this account. I have also submitted a report on identity theft.gov.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

i had recently called Equifax inc. to remove a fraud alert from my Equifax profile. after following all the guidelines of answering security questions correctly and my personal information such XXXX social addresses and authentic codes. the costumer service rep i was speaking asked me how many disputes i had with Equifax. i replied I'm not sure and how is this a valid security question to remove the fraud alert from my profile. after briefly explaining to the customer services rep i would not know the answer to that question being i have hired a professional company in the past for disputing inaccurate information on my consumer reports. the customer services rep stated by me not knowing the answer to how many disputes i have with Equifax inc. that they will not remove the fraud alert and will be extending it. this caused me to be denied credit card offers and loans and applying for lines of credit. i will be filing a federal complaint as well against Equifax inc. for denying me the right to remove something i placed on my consumer report.
Consumer complaint received 2022-01-15
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: Social Finance, Inc. (MD)

XXXX XXXX, Sofi, and XXXX XXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
Consumer complaint received 2020-06-04
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX has deleted XX/XX/XX/XX/XXXX delinquencies on XX/XX/20.  Updated information was then sent to Experian to update credit report. They have yet to update. Disputed on XX/XX/20 with provided documentation from XXXX XXXX XXXX and still has not been updated. Disputed again on XX/XX/20 per Experians advise, uploaded letter from XXXX XXXX XXXX and Experian resolves dispute saying that the information is correct. We have a letter from XXXX XXXX stating they removed the delinquencies! XXXX XXXX has gone beyond what is expected and has been great. Experian on the other hand needs to do their protocols correctly.
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (AR)

I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Santander was sued for giving low-income people loans and then finding a way to cancel the loan for repossession. This complaint is attached to complaint number XXXX. I financed a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me. I never made a payment because I contacted both XXXX XXXX and Santander Consumer to let them know the transmission was slipping in this vehicle. I was not obligated to make a payment on a vehicle that was sold to me without informing me of the problems. After the vehicle was repossessed, I was not able to obtain my personal belongings, but furthermore Santander Consumer failed to give me notice of the auction-according to the FTC rules . I would like to see the certified letter that was mailed to me before I obtain legal counsel.
Consumer complaint received 2022-05-01
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)

In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-01
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: JPMORGAN CHASE & CO. (AR)

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

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX, XXXX, and Capital One bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (ND)

In XXXX of XXXX, I paid {$50.00} for a Netspend Visa prepaid card. I tried several times to activate and use the card via the internet. On XX/XX/XXXX, I finally called customer service to activate the card. After 30 minutes of waiting in queues, entering personal information into automated prompts, and giving personal information to a live representative, I was informed that I needed to send photos of my social security card and government issued ID to verify my identity before the card could be activated. I complained that it was too difficult to get my {$50.00} after which I was informed that my balance was $ XXXX. I feel the extreme difficulty in activating the card is purposeful with the intent of the company to charge fees at {$6.00} per month for unused/inactive cards. I am not sending copies of my ID cards for {$14.00}. Essentially, I have been defrauded by Netspend for {$50.00}. Their business model is obviously unethical and unfair to consumers. It may also be criminal, and if it is not, it should be.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2021-12-01
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: Bread Financial Holdings, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (FL)

FIRSTPOINT COLLECTION AGENCY VIOLATED HIPPA LAWS AND THE FCRA, CFPB AND FTC GUIDELINES, GOT MY MEDICAL INFO WITHOUT MY CONSENT AND NEVER RESPONDED BACK TO MY DISPUTE LETTER I SENT TO THEM ABOUT A DEBT THAT I DON'T OWE. THIS DEBT IS FRAUDULANT. I DON'T KNOW WHO THIS AGENCY IS, NEVER HEARD OF THEM AND NEVER AUTHORIZED THIS AGENCY TO PULL MY MEDICAL INFORMATION.
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

The below action that is required by Carrington did not occur. 


( 4 ) Homeowner Assistance Fund The Mortgagee must inform the Borrower, utilizing any available method of communication, that they can apply for the Department of Treasurys Homeowner Assistance F

und ( HAF ), if HAF is available in their jurisdiction.

As permitted by the jurisdictions HAF program, HAF funds may be used in connection with the Borrowers FHA-insured Mortgage or any Partial Claim Mortgage in a manner consistent with the respective mortgage documents and FHA requirements .
Consumer complaint received 2020-01-28
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. (TN)

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX  XXXX/XXXX {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX  XXXX XXXX {$890.00} XXXX/XXXX  {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX {$380.00}
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

My Coinbase account as been on temporarily disabled for over 6 months. I tried contacting coinbase through there support. After numerous tickets and complaints number from Coinbase itself and up till now I still cant get access to my account to withdraw my funds. 

Here are the ticket and complaints number. 
XXXX XXXX XXXX.
Consumer complaint received 2022-05-01
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)

In accordance with fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX section XXXX : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

In XXXX during the outbreak of Covid my work had slowed down due to the high lumber prices so we called our mortgage company and asked if they could defer a few payments, they would not help at all, but we continued to struggle and made the payments on time, then on XX/XX/XXXX I came down with Covid and could not work for almost 30 days. Due to that I was 31 days late on my payment and they reported it to the credit bureau and my credit dropped XXXX points. So we called them again to explain the situation and they refused to help in any way, I had never been late before with them or any other loans. I have worked hard to keep my credit rating good and by this one thing thing they have messed my credit up and made it harder to get the things we need
Consumer complaint received 2021-09-15
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. (OH)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

Reference is made to CFPB XXXX. I am refiling this complaint because the response from Synchrony Bank is not factual. They state for security reasons they cant respond to someone who is not listed on the account. However, they are reporting to the national credit reporting companies that I am a co-owner on my wifes account as indicated on the document that I will upload with this document. 

This dispute centers on a purchase that appeared on my wifes XXXX monthly statement. My wife is totally disabled and it is not possible that she made any purchases, either in person or on line. XXXX refused to speak with me, indicating that the account belongs to my wife. I provided them a copy of a durable power of attorney, but they have rejected that also, indicating that they want my wife to notarize it and sign it again. The original document is signed, notarized by the attorney who wrote, with his seal affixed. I have also uploaded a copy of this document. Requiring my wife to sign it a second time is unreasonable as she can not hold a pen or sign her name. 

XXXX turned the matter over to Synchrony Bank for further action. Synchrony also refuses to allow me to be involved as a matter of security. 

Synchrony has rejected not only my CFPB complaint, but also a similar one that I filed with the XXXX XXXX XXXX. In both cases they state that they cant respond because the complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. If this is true, then why is Synchrony Bank reporting to the Credit Reporting agencies ( XXXX, XXXX and XXXX ) that I am a joint owner on my wifes account? I have provided Synchrony Bank a copy of my wifes account as it appears on XXXX and asked them to explain this dichotomy, but havent received the courtesy of a reply. I guess their de facto answer is that Im still not authorized, so why bother with a reply. 

Separately, I had asked that my XXXX account be closed, as Ill never spend another dime with them. Synchrony Bank sent a confirmation letter that was also addressed to my wife. If indeed they are so concerned about security on our individual accounts, didnt they just violate security by addressing the letter to someone who is not listed on the account or loan or authorized to receive the consumers financial information? 

I do believe that I have more than adequately demonstrated that I do have standing to address the issues with my wifes account. Furthermore, if Synchrony Bank truly believes that I am not authorized to assist my wife in this matter, ask them what provisions, required by Federal law, have they made for a disabled person? Writing to someone who cant hold a telephone, dial a number, or even hold a conversation and telling them to call if they have any questions, clearly doesnt meet the Federal requirements.
Consumer complaint received 2018-02-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ad Astra Recovery Services Inc (TN)

Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
Consumer complaint received 2024-02-27
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. (NC)

XXXX!! 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.