davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

I am filing a complaint regarding a credit card account with Navy Federal Credit Union, which is currently reported as " In Collections/Charge-off '' with an amount past due of {$13000.00}. Despite a previous dispute, this account remains on my credit report with a derogatory status, which is causing significant harm to my credit and hindering my ability to rebuild a relationship with Navy Federal.

A charge-off typically indicates that the creditor has written off the debt as uncollectible, yet the presence of an outstanding balance suggests that the debt is still being pursued. This contradictory reporting is misleading and confusing, which may not accurately reflect the status of the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information reported to credit bureaus must be accurate and not misleading. The continued reporting of a charge-off with a substantial outstanding balance is both misleading and unfair.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is prohibited for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of any debt. The conflicting information presented by this account status may constitute a misleading representation of the debts status.

Given these issues, I request that this charge-off be removed from my credit report entirely. Its continued presence, along with the reported balance, is damaging to my credit and preventing me from rebuilding a positive relationship with Navy Federal.
Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

I have XXXX accounts with StateBridge out of Colorado. 
I have numerous problems with them that I cant seem resolve on my own. 
First there online system is down 80 % of the time with non access. 
I have sent over 75 emails and countless calls and hours trying to resolve this and all my contacts fall on deaf ears. 
Despite them agreeing that I have made my payments on time, I am still subject to twice a day Robo collection calls, reporting me late to the credit reporting agencies and all kinds of added fees and costs. Not to mention the emotional toll and stress this has taken. 
On one account they have consistently taken my payments and put them in an unapplied category, when they finally apply it they apply it on whatever date they want causing me to pay extra interest and charging me a late fee. As well as reporting me as much as 90 days late to the credit reporting agencies when the payments were made timely. As well on this account earlier in the year they charged me some vacant fee charge, they first insisted it was a law that they charge it even thought I told them my house was never vacant. I paid it because they were reporting me late, finally they agreed that I should not have been charged it. I asked that it be sent back to be or apply it to my loan balance. It never was never done this has been going on for over 8 months. They have agreed to fix these in writing but it has not been fixed. 
On the second account, its pretty much the same thing they put the payment in an unapplied account and sometimes months latter apply it, but charging late fees, extra interest and reporting me late to the credit agencies. 
I pay both loans with electric bill pay and have proof when they were paid. I have email after email from them saying they will fix these and they have not. But I did receive at least one letter from them suggesting I short sell my home or give it to them as a deed in Lieu of foreclosure. 
I am not sure what I can do they are causing us a great deal of emotional distress and financial harm. 
I can send you some or all of the emails to and from me, as well as the statements.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (WI)

I received a letter from the law offices of Scheer, Green & Burke , Co. L.P.A. dated XX/XX/XXXX to collect {$200.00} on behalf of the City of XXXX Camera Violation for an violation they claim occurred on XX/XX/XXXX. 

I have a couple of issues with the debt collection : 1. It is a 9 year old claim and should be well past any statute of limitations 2. I was not the  driver of the vehicle at the time of this alleged violation. 

Requesting your assistance in resolving this issue.
Consumer complaint received 2021-06-16
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. (AZ)

these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit XXXX and Equifax to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX ON XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX AUTO All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-25
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 — Their investigation did not fix an error on your report
Company: VW Credit, Inc (NY)

Hello, I made an agreement to pay off a debt with Volkswagon with the company XXXX. I pay them {$500.00} every month automatically pulled out of my account on the XXXX. Its only the XXXX and Volkswagon all of a sudden dinged me for not paying XXXX. 1. I pay the debt collector not Volkswagon 2. The money automally pulled 3. It dropped my score 14 points and Im closing on a house next month I paid off all my debt to help my credit and they just ding my account like that?! I havent missed a payment again I pay every month automatically have it taken out. Please help me ASAP
Consumer complaint received 2023-01-12
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-24
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. (NC)

XXXX XXXX was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, XXXX changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through Equifax twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

In XX/XX/XXXX, I received a promotional letter from Synchrony Mastercard saying I was pre-approved their new credit card, featuring 2 % cash back and {$150.00} account credit if I spend over {$1500.00} within the first 90 days of account opening. I replied online since I deemed it's a good deal. Yet after over a week 's wake, I received a call from Mastercard company asking about why I wanted to apply for the card, they needed some credentials, I told them I was simply replying to the synchrony 's promotional offer, then due to that delay and the planned trip that took place on XX/XX/XXXX -- I checked my mail box every day before the vacation trip to New York for XXXX, so that I can use the card during vacation. It didn't arrive prior to my departure ( XX/XX/XXXX ). When we returned on the XXXX, I then located the approved credit card in the mail box, activate it, and started using it. 

I spent over {$1500.00} during the first 90 days once I activated the card, but received no {$150.00} account credit. I contacted synchrony, multiple times, first they said the 90 days starts when I first responded to them, I then explained that I got an extra call from Mastercard company and I couldn't activate my card, on XX/XX/XXXX, they sent me an email with an attached letter saying that the account credit would appear on my account within 1-2 billing cycle, but since then I still received nothing. I contacted them again by the end of XXXX, they said they did not know how the " reward department '' handled it and I had no way to contact them. Therefore, no reward as they claimed so far.
Consumer complaint received 2022-07-22
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$700.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I did a search and found that not being to dispute items online has been an issue for at least 5 years. The last employer that have on file for me I last worked for XXXX or XXXX  years ago. Overall it appears that they are intentionally making it difficult to file a dispute. And they are not making an effort to keep information updated.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Hello I had a citi bank Best Buy credit card back 2017. I had this card for 2 years and never missed a payment. I have received 3 credit increases, due to making payments on time. My last payment I had with credit card was this year. I was 1 week late to make a payment and was promoted by email. I have immediately paid after receiving that notification online. I have received confirmation, I have seen my money sat in my account for 2 weeks. I have called in and see if payment was made, I proceed to give them my confirm number for proof. Everything went threw. Then 3 weeks after I have received a notification that payment bounced/ reversed. As soon I was notified I try to pay it back and try to call in to do a payment. By that time the credit card already closed my account. I have not receive any closer statement or prior notice to this. I have reviewed the disclosure documents and no one does it say that if payment not made we can close your account with 1 month if non payment. Made every payment on time and havent done anything I broke their policy. Looking to have my account just reinstated to use.
Consumer complaint received 2019-06-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NH)

I received a call from XXXX, NV at XXXX on XX/XX/19 regarding my student loans. I had recently been in my account trying to set up a new payment plan, so I didnt think it would be a scam. They left a message with a reference number and I called back and spoke to a woman XXXX who was telling me about a predator loan and I could qualify for less of a payment. She asked me to verify my social security number and reset my password on the FSA website. She had said they were the FSA. I was telling my mom about it while I was on the phone with XXXX and my mom said it sounded like a scam. I looked up the number in XXXX and found that it was. Now Im stuck.
Consumer complaint received 2022-02-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I started my modification loan process XXXX for title search on the property. Title search completed wrong persons names with lien on the title search. I called 2-3 days every week for updates only to be told there was nothing I could do it takes a while, mind you that my home is only 5yrs old. Finally spoke with rep. that told me I had to call tax office XXXX XXXX, XXXX, to have lien removed and ask for a letter of removal since it's not me and this was done immediately and sent over within two days. I asked why this was not shared with me earlier than now since the title search has been completed since XXXX XXXX and clearly you know that I am the only one listed on the loan. I was told by two supervisors that my interest rate@ 2.87 % one in XXXX XXXX and XXXX XXXX I was locked in, and I should receive my modification documents within 7 business days or download from my portal when available. Now it's XXXX I received my modification documents at the rate of 3.50 % and no one is honoring the promised 2.87 % interest rate. 
As I stated to the supervisors and representatives this was out of my control not my fault and I have tried to assist you with any situations concerning this modification process and should be granted the promised rate of 2.87 %. I was never sent the not affidavit to sign nor offered to sign one until this day still, this part of the process of acknowledgment of liens. I have asked to speak with managers and was told none are on duty or available to speak with me, supervisors have said they will call me back and never have until this day. 
I feel that they held my process of modification loan until the interest rates went up, since I have been corresponding with them weekly sometimes 2-3 calls a day speaking with different representatives and supervisors cause its very fairly rare to get the same person, and some were more willing and helpful than others. 

Action taken by company XX/XX/XXXX researching phone calls will take until the XXXX of XXXX to complete but the rate is 3.50 % since they have to follow FHA guidelines. UNFAIR Process.
Consumer complaint received 2022-02-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (VA)

I returned a leased vehicle to Volkswagon ( VW ) Credit in XX/XX/XXXX. In XX/XX/XXXX, I received a tax bill from VW Credit for that leased car in the amount of {$1100.00}. The county said the whole-year bill was {$790.00}, which VW Credit paid . Volkswagon did not provide my county with a return date, as theyd presumably planned to bill me for the whole year + several hundred dollars. Note : I paid end-of-lease fees separately ; this bill was solely for county taxes. When I provided my county with proof of when the leased vehicle was returned ( which I obtained from XXXX ), my county sent a refund to VW Credit in the amount of {$590.00} ( {$330.00} and {$250.00} ) around XX/XX/XXXX, having satisfied the actual tax bill of {$200.00}. VW Credit cashed the checks for {$590.00} on XXXX XX/XX/XXXX. I sent my check of {$200.00} to VW Credit to satisfy the tax bill and reimburse VW Credit on XX/XX/XXXX, and as requested, the check was sent to XXXX XXXX XXXX XXXX XXXX. VW Credit has repeatedly sent me bills for ( varying amounts, but more recently ) {$310.00}. VW Credit has been completely unresponsive as I have attempted to remedy this matter with them. After repeated attempts to contact them, and after receiving several bills, I sent a cease and desist letter, and they continue to send bills. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX which they completely ignored, and they continue to send bills. I emailed VW Credit through the XXXX  site, and they did not respond. I do not owe VW Credit any money, and want them to acknowledge my payment for the tax bill, and that I do not owe them any money.

VW Credit has an XXXX rating with the XXXX  and I was not even ABLE to file a complaint through the XXXX website -- the site would not submit the form.
Consumer complaint received 2020-11-24
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. (GA)

There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XXXX/XXXX - Bal : {$470.00} XXXX XXXX - Bal : {$4200.00} XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts : XXXX/XXXX  - Bal ; {$470.00} XXXX XXXX - {$0.00} XXXX/XXXX - {$3200.00}
Consumer complaint received 2020-07-05
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. (TX)

I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.
Consumer complaint received 2020-05-26
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contacted each credit bureau about inquiries multiple times but they havent initiated a dispute. 

Contacted them concerning updated and reporting only 1 address on my report. That hasnt happened
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Original Creditor : 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 XXXXXX/XX/XXXX