davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (MT)

On XX/XX/2024 I called PenFed and attempted to schedule two payments to bring my vehicle loan current. I specifically requested that these payments be scheduled for XX/XX/2024 and XX/XX/2024. The representative verbally acknowledged these payments and expressed understanding of my request. I received a confirmation email a few moments later and noticed that the representative had initiated a payment dated XX/XX/2024. This payment was not initiated or authorized by me. I immediately called PenFed customer service and spoke to a different representative who verbally told me that he was going to " put in a request '' to cancel the payment scheduled for XX/XX/2024. He then scheduled another payment for the correct date of XX/XX/2024. On XX/XX/2024 I received a notification that the payment from XX/XX/2024 had gone through. I immediately called PenFed and the representative this time told me that I had not cancelled the payment 24 hours in advance and she could not do anything, but she would " put in a request '' to have the payment reversed. She also explained that the payment would not post to my checking account for 3-5 business days. That evening {$410.00} was taken from my checking account causing it to be overdrawn. I spoke to a few more representatives, but no one will even attempt to correct the fraudulent transaction. This situation has caused me a significant financial hardship and I have explained the problem to PenFed multiple times, but they keep saying that I should have cancelled the payment 24 in advance. I continue to explain that I did not initiate or authorize the payment taken from my account on XX/XX/2024, each representative responds by telling me that they are " submitting a request '' but nothing ever comes of these requests. I have sent multiple emails to PenFed between XX/XX/2024 and XX/XX/2024. PenFed refuses to respond to any of my emails. My checking account has been overdrawn for several days and I am experiencing significant hardship due to PenFed 's fraudulent transaction against my account. I am requesting the reversal of the fraudulent charge and lost wages as the fraudulent charge has caused me to be unable to go to work ( due to the negative balance in my checking account ). I am also requesting that I be reimbursed for three overdraft charges ( {$15.00} each ) incurred as a direct result of the fraudulent transaction. PenFed initiated, carried out, and processed a payment out of my checking account that I did not initiate or authorize. PenFed was alerted at every step what had happened and refused at every step to reverse the fraudulent charge. 

*For clarification, the fraudulent charge initiated by PenFed was debited from an external checking account.
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 — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (NY)

I have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.
Consumer complaint received 2021-10-13
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: Possible Financial Inc (TX)

XXXX XXXX XXXX, Possible Finance, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!
Consumer complaint received 2021-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

I have two outstanding debts through XXXX contracting svc ( {$900.00} & {$1200.00} ). One of them has been double reported ( {$1200.00} ). It shows the same debt twice on my credit report. Original date of XX/XX/XXXX. I have disputed it multiple times through XXXX XXXX with no luck of having one of them taken off to reflect that it is only one account owed for that amount. 

In addition to that issue, on my credit report the date referenced does not reflect the actual date of the debt. The amounts are {$1200.00} from XX/XX/XXXX, and {$900.00} from XX/XX/XXXX. On XXXX and XXXX it shows XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

XXXX County Nevada isn't given my ( Tax-Exemption ) to Freedom Mortgage at all. Now Freedom Mortgage Coming after me for Tax payment. As they gave me my Parcel # XXXX, and Tax-Exemption # XXXX still not given to my Mortgage Company over a year since XX/XX/XXXX. Why are they doing this to us, deemed to be a breach of information wise. Please ; I need help to relegate this unrighteous Dominion and Unscrupulous practices and conduct by such a County ... .. '' XXXX County '', Nevada.. 

I am XXXX XXXXt XXXX Veteran. since XXXX.
Consumer complaint received 2021-10-13
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: Paradigm Assets, LLC (AL)

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY ()

I have been misled and denied a fair lending opportunity by Wells Fargo bank for a refinance on my home loan. 

Due to the banks fault as admitted they falsely led me believe that my loan was approved and charged me fees such as application processing fees and appraisals. 

I was finally denied the refinance and after mich argument they relucantly refunded my appraisal but not the application fee. 

All relevand facts are included on banks response
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MA)

Hello, I'm writing to dispute/ or have removed any late reporting on my credit report for GMC financial during the year XXXX. This car lease was turned in XX/XX/2020 and paid and satisified in early XXXX. The account was never closed out properly on the company side to show I was paid up, car turned, in and completed. They continuing reporting me late for XXXX during a time I didn't even have the car and was paid. I was carefully monitoring my credit report and I noticed this. I called GMC finance and they said, " oh yes, you are paid and satisfied, we apologize and will make correct in our system to stop reporting late ''. Now with that, they did but the late markings have stayed on my report which has very much hinder me greatly moving forward. All I ask is in consideration is to remove those late reporting during that time frame. I work really hard to keep things in good standing and now my car is up for a new lease and they pull a different report from and can see those but they all see " good standing, paid off customer and satisified '' but the late markings hurt my credit score. I want to keep XXXX on there but hopefully remove at least those late ones. I have tried everything with them and they just say I'm paid and nothing being reported. Anything would be helpful and so appreciated.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from XXXX and Transunion. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.
Consumer complaint received 2021-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc. (DC)

On XXXX XXXX, my aunt passed away. Upon review of our joint XXXX XXXX account, I noticed {$430.00} bi-weekly ACH mortgage payments ( from XX/XX/XXXX to XX/XX/XXXX ) to EarnUp, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. However, the mortgage loan on our Co-Op was refinanced in XX/XX/XXXX and subsequently paid-in-full on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted EarnUp, https : //support.earnup.com, requesting to resolve this issue and obtain a complete refund of the funds ( approx. {$9500.00} ). I provided them with a copy of my aunts Death Certificate, XXXX XXXX XXXX and Paid in Full Note but met with negative results. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX ( XXXX, Complaint ID # XXXX ) disputing the EarnUp ACHs. EarnUp provided the following response to the XXXX : Typically, when payments are made to a loan account that has been closed, the lender will issue a refund of the funds collected via check directly to the borrower. We are happy to assist in locating the funds that were issued to XXXX Savings Bank. To that end, we are offering to set up a conference call with the lender and you so that we can verify the location of the funds that were paid to them. We apologize that this assistance was not offered to you upon your initial communication, and we hope that we can help to resolve this matter. 

On XX/XX/XXXX, the XXXX closed my complaint accepting EarnUps position on the matter and suggested I file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/XXXX the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX, reviewed the closed loan and confirmed that no further funds had been applied and the Notes on the loan and showed no additional incoming payments or refunds issued either. 

On XX/XX/XXXX, I contacted EarnUp, https : //support.earnup.com, attempting to resolve this issue amicably. EarnUp representative, XXXX ( XXXX XXXX XXXX, contacted me via phone and attempted to set up a conference call with XXXX. Placing me on hold, XXXX stated that all her attempts to contact XXXX were unsuccessful. I agreed to call her back tomorrow, the 30th, so we could try again. 

On XX/XX/XXXX, I attempted to contact XXXX ( XXXX ) XXXX. EarnUp representative, XXXX, answered my call and hung up on me twice. I re-submitted my complaint, https : //support.earnup.com,. EarnUp representative, XXXX, contacted me via phone and attempted to set up a conference call with XXXX. Once again, she placed me hold and stated she was unable to get through to anyone at XXXX. 

EarnUp has been unable/unwilling to provide any documentation supporting they submitted/forwarded the funds to XXXX for final credit to my aunts closed/paid-in-full mortgage loan. Whereas, XXXX has confirmed they have no record of any additional incoming payments to the loan.
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (GA)

CIC/XXXX XXXX XXXX has inquiries in my credit report. I didn't give written or verbal authorization for anyone to check my report.
Consumer complaint received 2019-08-21
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. (CA)

After corresponding with Transunion credit bureau on numerous occasions, in regards to them providing me with any validating documents to support the validity of the XXXX XXXX account that the company is reporting on my credit report, to date I have not received any validating documents. 
I thus have made repeated requests to Transunion to remove the XXXX XXXX account from my credit report. 
To date, Transunion continues reporting the collection account on my credit report in violation of The Fair Credit Reporting Act regulations.
Consumer complaint received 2018-10-02
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. (TX)

XXXX XXXX XXXX,,, collection agency XXXX XXXX XXXX XXXX. 
Balance {$57.00} Highest Balance {$57.00} OpenedXX/XX/2014 ( 4 yrs, 3 mos ) Account statusOpenType -- XXXX XXXX  NameXXXX XXXX XXXX I have a doctor in XXXX, Tx .... XXXX XXXX. I pay for all office visits out of pocket. The XXXX XXXX XXXX have the wrong information. I do not owe them anything and want this negative remark removed from Equifax and XXXX. XXXX already deleted it. Incorrect information.
Consumer complaint received 2017-12-15
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. (MA)

There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.
Consumer complaint received 2021-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion I have called Transunion numerous times about unauthorized inquiries on my report due to identity theft. Every time I call they tell me they are unable to assist however will not tell me why. Then proceed to send me to the department that can help me but I only get an option to leave a voicemail and never receive a call back. 

Because of this I am unable to efficiently dispute over the phone and my Mail disputes have gone unnoticed taking away my rights.
Consumer complaint received 2021-05-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I CAN CLEARLY SHOW THAT I DID NOT COMMIT THE FRAUD CHARGES ON MY ACCOUNT AND I AM NOT THE PERSON THAT IS ON THE ATM VIDEOS. I WAS ALSO NOT IN THE STATE OR LOCATIONS WHERE THE FRAUD CHARGES HAPPENED. 
I WILL PROVE THIS IN COURT ( XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX. 



Dear XXXX Staff : I am suing  each person below from USAA Individually in XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX of staff USAA XXXX. XXXX XXXX XXXX of USAA XXXX. XXXX XXXX XXXX XXXX ( Registered Agent Name / XXXX XXXX ) USAA XXXX. XXXX XXXX XXXX USAA XXXX. XXXX XXXX XXXX XXXX  of XXXX USAA XXXX Please see attached legal summons to appear XXXX AT XXXX XXXX CC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FBI XXXX - XXXX XXXX XXXX division CC XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXXXXXX XXXX by USAA . 
CC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
CC XXXX XXXX XXXX XXXX XXXX XXXX 
CC XXXX XXXX XXXX XXXX 
CC XXXX State Attorney Generals Office CC Federal Trade Commission CC XXXX XXXX XXXX CC federal Reserve CC CFPB CC Law firm of XXXX XXXX XXXX All documents attached and have been presented to the court and law enforcement agencies and all Government representatives offices. 

___________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Please contact me if you want to resolve this matter XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have disputed a bankruptcy inaccuracy several times via certified mail and online dispute to the credit bureaus. The company has received my dispute each time. Upon receipt my request was to verify the information and once verified inform me of the source. The bankruptcy was verified through XXXX XXXX who stated they verified it through the courts. That is false information because the creditor in this case is the bankruptcy court who does not verify anything. They sent me a notarized letter stating this. XXXX XXXX is a 3rd party vendor and that was against FCRA. I have reached out several times with supporting documentation to have it deleted as this is false information they are reporting.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-05-01
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. (GA)

I've reached out to XXXX in the past. They sent me a letter ( see attachment ) stating that they didn't have any accounts for me. Later, they inserted information into my credit report with a different account number and almost doubled limit. XXXX is blatantly reporting information and changing account numbers to fit their purpose. I continue to attest that I have no accounts with XXXX.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My account was closed by citizens at the end of the day on XX/XX/XXXX. Me not knowing my account was being closed I deposited a check in the amount of XXXX which was more than enough to cover my overdrafts and I would have had XXXX in my account. I found out on XX/XX/XXXX that my account has been closed. From there I was sent through the run around as it relates to retrieving my funds. Now here it is XX/XX/XXXX citizens is in possession of over XXXX of my money and will not and has not sent my funds to me. I call constantly and Im constantly given later dates as to when my funds should arrive. This situation is causing hardship in my home in ways you cant even imagine. I need my money.