davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: NAVY FEDERAL CREDIT UNION (GA)

I pulled my credit reports and Navy Federal Credit union is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for 7 years now. I need it off my credit report. It is fraud. Thank you.
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (FL)

On XX/XX/XXXX, I applied to assume a lease threw GM financial. To my surprise I was denied the lease when I received there rejection letter it states that they could not grant credit due the fact I have recent collection account. I have no idea of any collection accounts. I have zero late payment and much less anything on collections. I decided to call GM financial to find out where they got this information. They could not provide any info instead told me that within 2 weeks I should be getting a letter from the CRA providing further info. A month has passed and I never received that letter. So I decide to pull all three credit reports from XXXX, XXXX and XXXX. NONE have any missed or late payments much less COLLECTIONS. I do see that GM Financial did do hard credit pull threw XXXX on XX/XX/XXXX. I feel they have violated the FCRA. I have attached documents supporting my complaint. The rejection letter 's reference # XXXX Thank you for your time. Hope to hear from you soon. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

Friday XX/XX/2023 my phone was stolen. Saturday morning I went to buy a new phone. I tried to log in to my bank account from my new phone and chime suspended my account claiming suspicious activity even though I logged in with my accurate information. I sent them the information the asked for 3 times and they still have not recovered my account. I was literally at a restaurant unable to pay my tab because they locked my account. I was also stranded for hours unable to call an XXXX home. I need my account opened immediately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-05
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 XXXX XXXX XXXX these account has violated my rights Account : XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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.
Consumer complaint received 2022-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BlockFi Inc (GA)

Blockfi is not following their terms and conditions by holding my crypto currency on the platform. Their over-leveraged and fraudulent practices has made me lose out on monetary gains and enjoyment of life. I was told my funds would be transferred by XX/XX/2022 and as of XX/XX/XXXX I have not heard anything about my transfer. There is absolutely no reason my crypto should be held up unless Blockfi is utilizing my funds in their own business without my consent or authorization. 

The bank sent out an email after I had already deposited my funds. It did not stop me from depositing but some how can stop transfers out. My trust in the banking system is in jeopardy as I dont see how Blockfi can continue to hold up my money with no regard.
Consumer complaint received 2022-11-18
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: Commercial Acceptance Company (PA)

XXXX XXXX XXXX XXXX has been reporting inaccurate information to my credit report. 15 u.s.c. 1692 The account was charged off & XXXX XXXX XXXX XXXX has added fee 's to my account to get addition money from me { {$2000.00} }. This company is stressing me out. They sent me offer to my email then when I apply I'm denied. I feel it's false & misleading I Paid more than ( {$14000.00} ) which is close to double what the car was worth. Please help this account is causing me to be homeless. 



This alleged gency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Porsche Financial Services, Inc. (GA)

Demand Letter to Porsche Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PMB XXXX XXXX GA XXXX XXXX XXXX Porsche Financial Services RE : Demand for Resolution of Uncompensated Securities Trading and Excessive Repair Delays Dear Porsche Financial Services, I am writing to express my extreme dissatisfaction with several issues related to my account and recent experiences with Porsche. This letter serves as a formal demand for immediate resolution to these concerns.

Unauthorized Securities Trading : I am aware that Porsche Financial Services engages in trading securities based on customer auto purchases. While I understand this practice exists, I have never received any form of compensation for such activities, which I believe is legally required. I demand a full disclosure of any and all trading activities conducted on my behalf, along with any associated compensation I am entitled to. 
Excessive Repair Delays : I have recently encountered severe delays in repairs for multiple Porsche vehicles I own. These delays, exceeding XXXX years for parts manufacturing and delivery, are unacceptable and have caused significant inconvenience and disruption to my life. 
Furthermore, my XXXX XXXX remains unrepaired due to this ongoing parts issue. I find it particularly concerning that Porsche has illegally NOT ALLOWED THE release OF the car from the car from the repair shop as well! LEAVING ME WITHOUT transportation. 
Demand for Immediate Resolution : I demand immediate action to address these issues : Full disclosure and compensation for any unauthorized securities trading. 
Expedited acquisition and installation of necessary parts to complete repairs on all affected vehicles, including my XXXX. 
MATTER FACT REPLACE MY XXXX I WANT A XXXX ASAP I have been a loyal XXXX customer for many years, owning multiple vehicles and engaging in financial services with your company. However, the current situation is utterly unacceptable and has severely damaged my trust in XXXX. 
I expect a prompt and comprehensive response outlining a clear plan to address my demands. I am available to discuss this matter further at your earliest convenience. Failure to provide a satisfactory resolution within a reasonable timeframe will force me to pursue legal action to protect my rights and interests. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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  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.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my Experian report. I request it is deleted immediately. The debt is from XXXX XXXX for {$260.00}
Consumer complaint received 2022-11-18
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. (IL)

equifax has got this complaint since XXXX and still hasnt done anything they told me all these things were deleted from my credit report but there still on there 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  let me add i was nrver offered a card from XXXX XXXX  and all i have is 2 cards from XXXX so they need to correct my file
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

We bought a fully-assembled, brand-new XXXX XXXX XXXX  from Lowes store # XXXX XXXX XXXX Texas on XX/XX/23 using our Lowes XXXX credit card with account number XXXX under my XXXX  name XXXX XXXX XXXX. 

Almost immediately, within a day, the XXXX XXXX had pieces fall off including the wheels from the stripping of the bolts during assembly. We asked to return it since it was a damaged product and Lowes store people refused to take it back. We contacted the Lowes credit card that is run by Synchrony Bank who stated the local Lowes store had to remove the credit card charge. They could help me.

Lowes refused to take it back and instead wanted XXXX ( the manufacturer ) to repair it, with us paying the delivery charge. After doing so and sending it to a recommended shop by XXXX, the XXXX XXXX  remains unfixed with XXXX and Lowes fighting over whose fault. Its been 2 months of waiting.

We are frustrated with false advertising about the return policy, the poor assembly and the lack of help by the Lowes store personnel. We are angry at the credit card company for refusing to investigate and depending on the local manager to remove the charge. 


We want our money back for the damaged product that was poorly assembled by the store. We run XXXX XXXX  and had to buy a product to move our products. Moreover, we didnt buy a refurbished product which is what we will end up with instead of a new product. We ask for your assistance.
Consumer complaint received 2022-11-18
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. (MO)

I have been submitting ten CFPB complaints and six dispute letters requesting that you remove the fraudulent accounts and information that are being reported on my Credit File! You have been stubborn to not remove the disputed items completely from my Credit File and yet you have been claiming that the disputed items have been verified. Under the Fair Credit Reporting Act section 605b, you ( The Credit Reporting Agencies ) are required to remove any accounts and information that resulted due to identity theft. Despite the numerous attempts in having the disputed items removed, you have been persistent with your claims that these items are verifed, and yet you have not sent me any copies of proof of verification that resulted from your supposedly investigation. Once again, I am requesting that you remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$390.00}. I have informed my legal council about my situation and they are willing to help me resolve this matter in " legal ways '' possible. If it is not too much to ask for, please remove the disputed items immediately.
Consumer complaint received 2022-11-18
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I made a purchase from XXXX online for {$150.00}. During this process they added on a second purchase of {$26.00}. When they sent the confirmation notice, I found out that they had added on the second item. I immediately called them to -protest .and to cancel the order. They said that they had processed the order. I told them that I would refuse the order and they then offered a refund of XXXX When I received the order, I did refuse the package and sent it back by U.S. Postal service. I have a tracking receipt. I did get the {$75.00} refund. The company never admitted that they received the package back. When I called Citibank about the issue I sent them the tracking receipt, they investigated and withdrew the {$150.00}. but later within the billing period put the {$150.00} back on my account. I also sent them copies of two statements from the company that they had cancelled the two orders.. I use this card for XXXX purchases, and hardly ever for anything else. Usually I pay the full amount owed each month. Citibank has threatened me that they will report.me to the three reporting companies if I do not pay them {$150.00}. I do not have the merchandise, I sent it back and have proof. Tt is unfair to try to compel me to pay for something that I have not benefitted from.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Home Loan Center, Inc. (CA)

Received text on XX/XX/22 offering up to a credit line of {$5000.00}. I called the number provided and gave personal information. I was then transferred to another representative that told me I could obtain the money if I sent XXXX pictures to make them happy
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/year> I received a loan summary and payment booklet from Fifth Third Bank. It had the name of : XXXX XXXX XXXX with my address. We do not know anyone with this name. 
Account number : Loan amount : {$50000.00} Term : XXXX months Monthly payment : {$850.00} First payment due : XX/XX/year> I called Fifth Third Bank at ( XXXX ) XXXX on XX/XX/year> and was told I needed to file report with the USPS. Which I did. Then I asked to speak to a supervisor and was told someone would call me back. No one did. 
Called on XXXX XXXX spoke with a supervisor named XXXX who said I needed to call Headquarters at XXXX to get my issue resolved. I called the number five times and there was a recording that said no one was available to take my call. I called again on the XXXX. Same recording. I then called the XXXX again with no resolve. 
My husband then called the XXXX number on XX/XX/year> put in the account number and put the last four numbers of my social in and it was associated with the account. He then spoke with a supervisor after two times calling and they stated it will be turned over to fraud accounts and we will be notified in three business days. We havent heard anything yet. My husband and myself have placed freezes on our credit reports. I was unable to freeze my report with XXXX. I did call but it is Presidents day so will try back tomorrow. I have tried to do everything we can think of to protect our assets. This is a very frustrating process which has taken numerous calls and we still do not know if it has been resolved.