davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd. (NC)

CBA aka Collection Bureau of America is continuously refusing to send me proof of the debt they are claiming I owe and they have verified. I have now sent XXXX certified letters demanding proof of the debt. I stead they sent me a screenshot of their own data base titled Account Financial History. I have never signed any of this. I never agreed to do business with these people. It is clearly fraudulent.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (GA)

In XX/XX/2021 I mailed Navy Federal Financial Group : a cease & desist, affidavit of truth, and billing error via certified mail. Navy Federal Financial Group has not responded back with a certificate of indebtedness and/or the original contract with my wet signature. I would like to resolve this issue outside of court IMMEDIATELY. If not, I WILL pursue litigation to have this issue resolved.
Consumer complaint received 2019-11-14
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. (TX)

XX/XX/2019- an inquiry was done from Equifax Mtg , no address listed in XXXX XXXX XXXX NJ XXXX. I do not have a motgage currently, nor have I applied for any type of mortgage loan with ANY company. I believe my information has been compromised, as this is not from me! 

XX/XX/2019 and XX/XX/2019 an inquiry was made from the same company Bill Me Late with no address listed in XXXX, MD XXXX. I have no such knowledge of this inquiry or company. I reached out to this company to obtain information on who they were and how were they able to use my information for a credit inquiry two times, with no valid response. I believe these inquiries are a result of my personal information being compromised as this is not from me!
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I received a letter regarding receiving UI benefits however I have not received the prepaid card that was supposed to to used for the purpose of receiving the benefits. When I tried to call the number provided for the Go Program Customer service I was placed on hold several times for over 30 minutes at a time each time I called. When the phone would finally get answered I could hear dogs barking in the background, or someone with a heavy accent with a very bad static sounding connection who just hung up after a few additional seconds and/or minutes of me saying " Hello?, Is anyone there? '' This would go on each time I called. ( I have called about 30 times. ) And I have not yet received any of my UI benefits or a UI prepaid card or a direct deposit into my account.
Consumer complaint received 2019-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX.I use XXXX send USDXXXX to XXXX. But receiver Couldt receive money, I called for refund.but they refused my request.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AR)

I purchased a car in XXXX and the loan provide at the time was suntrust. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and XXXX have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( XXXX ) and redeemed repossession ( XXXX ). I sent a letter to Truist ( who bought suntrust and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Consumer complaint received 2022-04-30
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: STATE EMPLOYEES CREDIT UNION (NY)

A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened. I did not agree to any membership, loan or credit card. I never gave authority to open such account, my personal information had been used to process transactions and open an account without my consent. It is unauthorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these fraudulent account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I already requested for verification of this account and send out disputes but did not received any validation. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have multiple fraudulent inquires on my account that I need removed. 

I have sent multiple dispute letters in to report the fraud. I have contacted the credit bureau as well as the creditors. 

The inquiries are : Capital one XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-11
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry : XXXX. XXXX, XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc. (FL)

I am a 100 % service connected XXXX veteran. All of my medical bills are paid by the XXXX. I told Commonwealth Financial and they didn't care. I was hit by a car, hit and run on my bike. There were other bills and they all got paid from the XXXX.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the 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. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Charge Off : XXXX XXXX XXXX XXXX Balance : {$440.00} Collection : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$80.00}
Consumer complaint received 2018-02-10
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: Exeter Finance, LLC. (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (FM)

this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I am disputing Wells Fargos response ( Wells Fargo case # : XXXX ). Please thoroughly answer the following question : WHERE WERE THE FUNDS TRANSFERRED TO ( i.e., bank account, etc.? 

WHO RECEIVED THE FUNDS ( i.e., persons first and last name )? 

I am asking these questions because I DID NOT AUTHORIZE A TRANSFER OF MY MONEY TO ANYONE!! 

Please answered questions indicated above.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (NY)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation has passed on the following account : XXXX XXXXXXXX Account # : XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CT)

XXXX XXXX. I requested a wire transfer from my Citi bank to my other personal bank. XXXX XXXX. I got email from Citi bank says my transfer is on hold and I called them, they consistently asking me to provide another phone number which is under my name and verified by their system. I have no clue what they want. Feel like even if I provide the number, they will come up some other questions to block my transfer. Already spent tons of my time dealing with this but no luck. They canceled my transfer without telling me. Now, they lock up my account and my online bank access. I am not able to access my money. This is an emergency. I need get help from you CFPB. Thanks!
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TX)

My car was in an accident onXXXX my car was towed to XXXX XXXX XXXX XXXX XXXX On XX/XX/21 the finance company Westlake Financial Services went an repossessed my I'm not behind on my carnote I've always paid my carnote on time or before time now my car is at XXXX Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX up for auction the insurance hasn't had the chance to look at my damages how is it possible for them to take my car and I'm not behind on my carnote My name is XXXX XXXX my phone e number is XXXX
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit AmeriFirst Holdings, Inc. (OH)

I declared Chapter XXXX Bankruptcy in XX/XX/2011 Case Number XXXX and the disposition was XX/XX/2011. However, on my credit report it shows my two mortgages XXXX and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
Consumer complaint received 2021-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

I received a phone call from a debt collector who did not identify themselves saying they were collecting a debt on behalf of XXXX around XX/XX/XXXX. I did not recognize the charge and pressed for more details. They said I owed XXXX for a trade in that did not happen. When I pressed for more details the collector said they had mailed a letter out explaining it the day before they had called me. I informed the person on the line that I would take no action until I received something in writing. They then hung up on me. I immediately called the financial institution that houses my XXXX financing account. They had no clue what the XXXX debt was and had no records of selling a XXXX dollar debt or sending it to a collection agency. And I have received no written communications or phone calls from XXXX itself to communicate any sort of outstanding debt. 

After, I verified my account was up to date and paid. 

I received a letter in the mail from a company called " Convergent Outsourcing on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX '' charging the XXXX. Dated for XX/XX/XXXX. On the back of the letter it says that unless the office is notified in 30 days, that you are disputing the charge, that they will consider the debt valid. 

A quick search shows many upset consumers are saying that this company has fraudulently charged them and negatively impacted their credit reports. Many other people have been charged for accounts that they do not own. I will not pay this collections notice until I receive verification from XXXX or my financing institution that this debt is legitimate.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I checked my Experian FICO score and it is very low compared to other credit agencies. I checked the reason for the score and the following is their reasons. 
1. Serious Delinquency. I admitted this is true because I co-signed for a mortgage for my daughter and she failed to me her obligations, I still had to pay over {$35000.00} to pay off mortgage. 
2. Few Accounts paid on Time. Baloney, When I receive a bill I send out a check the very next day without fail and have been doing this for 20 years. Even the records of my accounts with Experian shows every credit card and loan has been paid on time. 
3. No load activity. If I don't need a loan why in the world would I apply for one.? 
4 No credit card activity, Baloney, I buy from XXXX at least 2 times a week and use my credit card. This has been going on for years. 
Experian wants me to upgrade to their higher credit plan that cost additional money and I refuse to do so, so they continue to lie about my credit score and fico score. They should be investigated and shut down NOW
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : EQUIFAX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called kohls summer of 2017 to report that a new kohls card was opened and maxed out in my name. I found out about this from pulling my credit report. The amount was {$580.00}. I IMMEDIATELY Closed the account and asked for VALIDATION ( a contract or lease with my signature on it ) I was assured that this account would be handled. They apologized and said they would delete it. I have now received my report for this year and ITS STILL THERE. I'm appalled this company would take advantage of me. I'm in the military and gone often. I take people by their word. If this company does not want to delete, then I request validation again. ( not verification ). I want to see where I signed up for this card. I want to see MY signutre.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$0.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.