davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (MO)

On XX/XX/year> I received a letter in the mail dated XX/XX/year>, reference # XXXX, stating that " there is an account under my name with XXXX XXXX  with account number XXXX. '' That is completely inaccurate, and is absolutely fraudulent and criminal activity. I have never opened an account with " XXXX XXXX  '', nor have I ever heard of that " bank '' before. I wish to formally dispute this fraudulent claim as I do not have a debt or account with " XXXX XXXX  ''
Consumer complaint received 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (MI)

I am trying to purchase a house however when I went to review my credit report, I notice some derogatory accounts on my report. I asked them to remove all this information immediately, they sent back information stating this account has been verified but did not send me a purchase agreement or any information confirming it. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 0 2 a ) states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-10
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. (AL)

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.

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 2022-08-09
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I deposited 3 checks through BMO 's mobile banking app. One was from an accident settlement from my attorney for {$6300.00}. It was verified by my attorney and cleared by his bank. The other 2 were older checks I found while cleaning my house. They were for {$15.00} and {$59.00} and wasn't sure if they had been deposited already so I figured the worst that could happen is they bounced. I received e-mails that these checks had been received, reviewed, and approved. The next day I was locked out of my account. I called and was told my account was frozen and that it would take 7-10 business days to review. The next person told me 10-15 days, the latest person tells me 30 business days, so XX/XX/XXXX would be the latest date I can access my account. My account was perfectly fine before these check deposits and now I can't even access my previous funds for nearly 2 months because it takes them this long to review a couple checks?? I tried to get my attorney 's bank to reverse the check or write me a new one but it has already cleared on their end. So BMO has that check cleared and are simply holding because that is their " policy ''. I was actually a Bank of the West member and away for 6 months. When I returned they had changed my checking account type without consenting me. They are holding all my money hostage over a couple of checks. I just want to close my BMO account ASAP and they won't even allow that until the investigation is completed.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (PA)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (AL)

I am writing to file a complaint against Westlake Financial regarding a discrepancy in the balance related to a repossession and the failure to provide necessary paperwork. I believe that the actions of the financial institution have caused significant inconvenience and financial hardship.

Furthermore, despite multiple attempts to obtain the necessary paperwork and documentation related to the repossession, I have not received any response from Westlake Financial. The lack of documentation hinders my ability to understand and verify the legitimacy of the outstanding balance and request a fair resolution to this matter. 

These discrepancies and the lack of cooperation from Westlake Financial have caused significant distress and financial burden on me. According to UCC 9-616 believe that this goes against the principles of fair and transparent lending practices and constitutes a violation of my consumer rights.

I kindly request your assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and ensure that Westlake Financial corrects the discrepancy in the balance and provides the necessary documentation without further delay. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. Should you require any additional information or have any further questions, please do not hesitate to reach me.
Consumer complaint received 2022-08-09
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. (AZ)

Experian is reporting my name as XXXX XXXX and that I live in Tennessee, I've never lived outside of ARIZONA and MY NAME HAS NEVER CHANGED. THEY ARE THE ONLY CREDIT AGENCY THAT IS KEEPING FALSE INFORMATION ON MY CREDIT AND I'VE PROVIDED THEM MULTIPLE TIMES COPIES OF MY BIRTH CERTIFICATE, DRIVER 'S LICENSE AND OTHER ITEMS JUST FOR THEM TO KEEP FALSE REPORTING AND TELL ME ON THE PHONE AND EMAIL THAT I CAN'T DISPUTE THE INFORMATION AND ITS ACCURATE. I NEVER LIVED AT XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX AND MY NAME IS NOT XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom It may concern : This is a formal complaint that Transunion is reporting inaccurate credit information. 
I am very upset that Transunion have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongly denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on the reporting creditors " Transunion '' part and I am formally requesting an investigation into these items XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXXXXXX : Account appeared XX/XX/XXXX None of these accounts was giving my content and linked to an old address. I have sent Transunion my updated address months ago still no actions been taken to this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I did like I always do each month for years, I transferred my compensation and pension funds I receive each month from the Department of Veterans Affairs from my savings to my checking account. I have been do so for years. These funds are used to pay my bills. Navy Federal Credit Union was well aware of these practices. On XX/XX/XXXX I noticed that {$1800.00} of the {$2000.00} that I transferred were taken by Navy Federal. 

I wasn't given any prior notice as to why they were going to take my monies and to this date, I haven't received any notice or explanation to why they took my monies. The only thing I was told was they can do it because I was joint on the account with my fiance. The reason I was on her account was because I didn't have a bank account at the time and VA forced veterans to have their monies deposited into an account rather than mailing paper checks. Also, my fiance was helping me handle my affairs at times when I'm not able to do so. I have underlined conditions which enables me to functional at my full capacity due to my military service. Therefore, I have good and bad days. 

Navy Federal stated that I didn't have a charge off but my fiance had a charge ; off in XXXX so that gives them the right to take my monies. To this date, the account was used solely for the purpose of my VA XXXX payments, which were always transferred to the checking account to pay my bills.. With that said, my funds has been the only funds going into the account. I'm sure the time to collect on a charge off from XXXX has exceeded the statue of limitations even if It was my charge off but, it wasn't. The actions by Navy Federal has cause me a great financial hardship and has damaged me. 

I contacted the XXXX XXXX XXXX ( XXXX ) and filed a complaint on XX/XX/XXXX. They in turn reached out to Navy Federal for response on three different occasions but Navy Federal failed to respond to any of their correspondences. It wasn't until XX/XX/XXXX Navy Federal responded back to the XXXX due to me reaching back out to them to resolve this matter. The only reason why they responded back to the XXXX was because I told them was going to contact the CFPB.
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

SLS Mortgage put our Mortgage onto Forbearance with out us asking, they took the liberty of changing my terms without permission. I contacted them several times got nowhere. Our account was on EFT XX/XX/2020 payment was taken then towards the end of XXXX I noticed that no payment was taken.I called them to find out whats going on and they told me to email them a note explaining what happened and it would be fixed, it wasnt.after several calls I filed a complaint with the AGs office and got nowhere again.The rep asked me when I CALLED her if I had made the XX/XX/2020 payment I didnt know what she was talking about so she told me about a letter sent from SLS that on XX/XX/2020 I was to resume payments as if nothing happened. I NEVER GOT THAT LETTER, so i asked her to forward it to me Now this is the end of XXXX at that time SLS wouldnt honor their letter sent .This is so frustrating as this is my family home my children ( who we still have to support ) are the 4th generation to grow up here.This house has HUGE sentimental meaning to me.I am a XXXX survivor and 6 weeks of XXXX XXXXXXXX and 2 weeks of XXXX, destroyed my insides, I unfortunately suffer with severe XXXX issues, I am now dealing with a spot on my XXXX, and Large XXXX Stones I am in bed 95 % of the day everyday as i am riddled with pain I have severe XXXX and XXXX XXXXXXXX in both hands I cant use them at all, I need to have surgery on both hands but with Covid around Im on the backburner! I unfortunately collect Medial XXXX I can not deal with this SLS committing FRAUD! PLEASE HELP!
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

The XXXX and XXXX credit cards charge the amounts of the last statement balance minus any credit that occurs after closing the statement, when auto payment is made. Capital One bank also did the same during the XXXX years. However, after 2017, Capital One collects the entire amount of the last balance ignoring the credits after closing the closing statement. Let us say that my wife buys {$50.00} merchandise from XXXX and charge it to Capital One Card before the closing date. That is included in the statement. Fine. But, she does not like the dress worth $ 35+tax and returns two days later, that occurs after the closing date. XXXX gives the credit and returns the cash back to the credit card. So, Capital One gets the money. However, when the auto payment comes some 23 days later, the bank collects this money also. The credit will appear only in the next month 's bill. That is not fair.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

As a result of COVID-19, my mortgage was under a mortgage forbearance program. At the end of the forbearance period, JPM Chase offered me a mortgage modification pursuant to which I was to make three ( 3 ) trial payments in order to qualify for the modified mortgage payments. I made the first of the three ( 3 ) trial payments, but was unable to make the second payment because my employer 's principal was hospitalized in XXXX and no other person is authorized to wire transfer my paycheck. 

I explained this unique situation to JPM Chase and requested I be given another opportunity to make the three ( 3 ) trial payments. A Chase representative called me one day to confirm I was making more money when I submitted the request for the " second chance '' than I was making when I first applied for a modification. I confirmed that I was making more money now. 

JPM Chase denied my request for a " second chance ''.
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (PA)

Early XXXX 2016, we discovered an unauthorized charge on our Sam 's Club mastercard statement. The charge was dated XXXX XXXX, 2016. We immediately contacted the customer service department who then put a hold on the account and said they would mail out paperwork for us to dispute the transaction. Three months later we are still waiting on the paperwork to complete and despite numerous calls we have yet to receive the fraud paperwork. We are also told the paperwork is in the mail but yet nothing arrives. They also refuse to issue us a credit until the paperwork is returned and investigated. We do not know what else to do other than ask the CFPB to intervene on our behalf. My wife and I understand that there is a process involved to handle these transaction and that it takes time to complete. However, We do not feel Sam 's club discover is acting in good faith to try and rectify our claim. Please advise me what else we can do. Thanks in advance for your time.
Consumer complaint received 2020-05-25
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. (GA)

I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XX/XX/XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 2 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 2 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (MO)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Last Activity/Date Opened/High Balance/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,