davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/2023 someone claiming to me claimed fraud charges of normal monthly bills I pay. And my account got credit for these claims. There where three internal bank transfers from my account which the account number is XXXX to a XXXX XXXX XXXX in three different amounts one for XXXX, XXXX and XXXX. I saw these transfers and immediately messaged my bank they were fraudulent. The bank Navy Federal Credit Union didnt investigate the charges they claimed just credited my account XXXX dollars. When as I stated I make but one of the claimed charges monthly. The XXXXXXXX XXXX  charge was mine for {$450.00} as I needed two new tires. My car XXXX to XXXX XXXX, my loan payment of XXXX to XXXX XXXX, XXXX XXXX XXXX for XXXX and XXXXXXXX XXXX  for {$450.00} all charges that were claimed as fraud and my account credited for XXXX on XX/XX/XXXX. I immediately notified my bank who then didnt fix anything and told me that I am responsible I changed my direct deposit information as I get va benefits but they are not refunding my fraud charges as I have explained exhaustedly to the bank the va and the department of the treasury ( whom hung up on me ) that this account needed to be closed and no money on or out til the investigation is done. Because of Navy federals lack of initial fraud charges claimed I am negative XXXX as of today. So more money has been taken out. Since then. And havent notified the proper channels of said fraud by law or closed my account and will not credit my account the missing funds. Va benefits are also protected benefits and they refuse to send them to the new ach I have set up because of this incident. I am looking at not having a job anymore. Losing my car, house and other things because of this. And said that I wont receive anything. Until this investigation is over which could be up to 45 days when they should have initiated a investigation immediately upon me telling them to stop the unauthorized transfers from account to account. I dont know a XXXX XXXX XXXX Or how my information was gotten. And frankly I am being badged for bills to be paid when I cant even put gas in my vehicle to get to work. They have not been professional or have they even tried to fix this issue on any level. I have also attached several documents indicating my issues.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

**FOR THE RECORD **I have never filed a CFPB complaint about my USAA Checking account. My previous complaints with USAA involved savings and fraudulent investment accounts. If my complaint isn't processed I will have to elevate this matter to the Dept of Justice. XXXX XX/XX/2023 USAA Locked my checking/debit card account due to suspected fraud against my account. At the same time USAA continues to conduct normal business involving my checking account by allowing automatic withdrawals to continue and assessing late fee for unpaid bills normally paid by the same checking account. I'm currently XXXX in the XXXX and I travelled to the US Embassy to place a phone call to USAA. When I reached the service representative I informed her that I was calling from the embassy and we proceeded to conduct ID verification all the way to providing my SSN the she ended the call. Every attempt to unlock the account through the USAA portal has been blocked or deactivated. There are specific Q & A 's built into my profile for this exact purpose that I can not access. I made reference to this problem two weeks in a follow-up to a congressional inquiry. This is the second occurrence in as many months that USAA has locked my account at their own discretion. I am extremely concerned that there is something more sinister involving USAA. There is absolutely no justification for USAA to lock my account for essentially the entire month.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts on this transaction. Your Company didn't even inform about the cost of credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ) these term " adequate notice " means any printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously to that a person against whom it is to operate could reasonably be expected to have noticed it and understood it's meaning. Such notice may be given to a cardholder by printing the notice on any credit card statement of account, issued to the cardholder, or by any
other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above mentioned sections. I couldn't understand it's meaning which is a violation under 15 USC 1602 ( k ) Furthermore pursuant to 15 USC 1601 ( a ) any consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ) According to 15 USC 1602 ( p ) the term " unauthorized use '' means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THESE DEBT ACCORDING TO 15 USC
1692 ( C ) 4 CAVALRY PORTFOLIO SERV XXXX XXXX XXXX XXXX from my consumer report. 
If you accept my request, I will not escalate this matter to Federal Court in case you don't accept the above requests a legal action shall be my next remedy against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely Vertina-Doreen : XXXX ALL XXXX RESERVED WITHOUT PREJUDICE
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (KS)

I filed a dispute as to the incorrect items on my credit report with Experian, XXXX, and XXXX, and it has been well over 30 days and I have not received any investigation results! 
According to the law XXXX XXXX XXXX XXXXProcedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (MS)

The following account : XXXX XXXX Account # XXXX was removed from XXXX and Equifax Due to incorrect information meanwhile XXXX keep saying everything accurate I sent multiple letter asking them to remove the incorrect account Immediately. 

I also have fraudulent inquiries on my account I will list them as well and I also sent multiple letters to have them removed. 

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
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today XXXX reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Galaxy Capital Acquisitions, LLC (NM)

My original debtor sold my Account to GALAXY INTERNATIONAL PURCHASING , LLC with out a written consent to me. I Have never signed a contract having a debt or authorizing GALAXY INTERNATIONAL PURCHASING , LLC to have my personal information/DEBT. I believe it was wrongfully sold therefore causing this company whom i owe nothing to, to harass me and obtain my personal and confidential information. I am writing to formally demand that GALAXY INTERNATIONAL PURCHASING , LLC cease and desist from [ specific actions or behaviors, e.g., unauthorized use of my intellectual property, harassment, etc. ]. GALAXY INTERNATIONAL PURCHASING , LLC actions are infringing on my rights and must stop immediately.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Every year Roundpoint sends me a letter stating that they need my property insurance for my condominium including the Condo Master Policy and the Unit Owners Policy. Every year I submit this information through the portal that they request ( XXXX  ) and get a confirmation of receipt. However, Roundpoint still ends up sending me multiple notices claiming they have " not received the current property insurance for your Unit ''. 

I have attached evidence of receipt of my insurance policies on XX/XX/2022 from XXXX. I also have separately attached : ( a ) the master association policy ; ( b ) the condominium unit policy including that Roundpoint is listed as the mortgagor ( they send proof of insurance to the mortgagor each year for every single insured party as part of their standard processes ) ; and ( c ) the letter they mailed to me dated XX/XX/2022, more than three weeks since XXXX acknowledged receipt of both policies. 

I own multiple properties that are part of a condominium association, but Roundpoint is the only servicer that can not figure out how to directly request the master policy from the association, or do basic due diligence to make sure that policies have been submitted via XXXX  Separately, my unit insurer, XXXX, directly sends the policy information to Roundpoint as well.

I am not sure if Roundpoint does this to try to put an insurance policy on the property themselves to make more money or what, but given that this is a recurring annual issue it is probably something systematic to other borrowers.
Consumer complaint received 2022-11-17
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. (MA)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXXXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN ONE OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ).
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp. (MN)

XXXX i was contacted by someone on XXXX on an investment opportunity. If i committed to sending them money up to a certain amount, they would send me a larger amount in return. The total i have sent is around XXXX, i have contact all my credit cards and bank. Have told them what has happened. Most of the transactions were done through worldremitXXXX. I have not contacted worldremit yet. as i dont think they would be willing to help me out with this.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am writing on dispute a fraudulent charge on my debit account in the amount of XXXX XXXX__. I am a victim of identity theft, and I did not make this charge I am requested my chase bank that the charge should be removed or the debit reinstated, that any finance and other charges related to the fraudulent amount be credited to my account and that I receive a corrected statement. 
I spoke to 3 supervisor but they put me under pressure since I suffer from XXXX from my XXXX I can not remember everything they denied my claim and theyre not cooperating with me all the age and taking advantage of my mental health issue to cover their bank not to pay me. I am seeking for help. 

Thank you! 

Sincerely XXXX
Consumer complaint received 2022-08-19
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 (IL)

XX/XX/XXXX Barclays calls to report suspicious activity and have me confirm fraudulent and non-fraudulent activity XX/XX/XXXX I call Barclays 5 times to confirm them to charge me for verified transaction of {$540.00} from XXXX XX/XX/XXXX Barclays add back into transaction history a fraudulent charge of {$190.00} made on XXXX at XXXX XXXX XXXX XXXX XXXXpresent I file police report due to the ongoing fraud activity with my identify and credit card info being stolen I call XXXX XXXX XXXX  who confirms purchase made online, picked up in a store over an hour away from me on XXXX. XXXX XXXX XXXX also confirms what was purchased as XXXX XXXX XXXX XXXX. XXXX will not release video to me, IP address of purchase and confirms that they provided all my identity information to Barclays. 
Barclays confirms that XXXX was able to verify my information all of which was stolen and states that I made the purchase. 
Then the charge is removed by Barclays XX/XX/XXXX. 
XX/XX/XXXX Barclays adds back in the XXXX XXXX XXXX  charge XX/XX/XXXX I call Barclays who says they have the right to change their investigation decision and XXXX verified my stolen identity XXXX can not confirm that I picked up the shoes at the XXXX XXXXXXXX XXXX XXXXXXXX on XXXX. I am not the person in the video.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I am approved for the HAF. Flagstar told me months ago when i was approved to email my award letter to them at an address they provided and I would NOT be assessed any late fees during the next 18 months of the program. Now, for the first time, Flagstar has NOT applied my payment to my account in time, it has gone past the grace period, and I WAS charged a late fee, contradicting what they told me would happen. Everyone i speak to about it on the phone is clueless and just passes the buck to another dept. who can't or won't help me rectify the issue.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

In accordance with the FAIR CREDIT REPORTING ACT ..XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-08-19
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. (CA)

XX/XX/2021 to current every 30 days i have disputed and they will not fix the problem even though been taken off other two reports now they just keep updating it and not removing it even though it's not correct info and it's for something i do not owe and have submitted proof i have paid and proof email communications proof my other reports removed the collections this is severely affecting me getting approved for rental property im about to be XXXX  over incorrect info on my credit report money i do not owe and they will not remove from my credit
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (TX)

XXXX XXXX Account # : XXXX has violated my rights, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account above 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: NAVY FEDERAL CREDIT UNION (WA)

I feel that was I was not helped and that no informed properly about my Credit Cards payments. When I talked with someone they told me that they would talk with IT and IT was do an investigate and see if I could work out a payment plan. if not they would call me back I never received a call back about the payment. They are not taking money out of my account without talking with me. I have more bills beside Navy Federal and Its not fair because I was not properly informed.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HYUNDAI CAPITAL AMERICA (FL)

THIS CAR PAYMENT WAS ALWAYS MADE ON TIME, HYUNDAI FRAUDULENTLY TOOK THE CAR OUT OF MY NAME AND CHARGED OFF MY LOAN WHEN EVERY PAYMENT WAS MADE ON TIME. THIS IS IDENTITY THEFT. AND THS COMPANY DID NOT GIVE ANY DISCLOSURES AND IS IN VIOLATION OF THE GRAMM LEACH BLILEY ACT SEE ATTACHMENT
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (NC)

According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information Experian, XXXX and XXXX is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against Experian, XXXX and XXXX Warm Regards XXXX XXXX