davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Medical Revenue Services is constantly calling me to say I owe a debt but will not provide me with any information regarding the debt. 

They claim to have sent me some information in the mail, but I never received said information. Every time I've asked for information since they've said they are not required to provide me with any additional information and refused to send another letter out. 

I have made repeated attempts to get any information. Any time I mention the FDCPA they immediately shut me down and will not provide me with any information claiming they will lose their job. 

I ask for the basic information. 

Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors I called the Toll Free Number back they called me on to get information. 

I spoke with XXXX different people, only XXXX of them would give me an address, XXXX gave me a first name only, and XXXX gave me a business name. No one would provide the information together. 

They want my information before MAYBE providing me with information. 

It is my understanding that I am protected by the FDCPA and this organization " Medical Revenue Services '' is acting in bad faith by being aggressive, harassing me with multiple calls a day, and refusing to give me any information. 

I made multiple calls today XX/XX/2022 at XXXX, XXXX, XXXX, XXXX, and XXXX. 

Let me state the first call I made at XXXX I said give me a moment to verify my rights via FDCPA they immediately hung up.
Consumer complaint received 2022-03-31
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: Marlette Funding, LLC (TX)

I Consumer, XXXX XXXX extended credit to Best Egg/XXXX XXXX XXXX entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting that the Best Egg accounts listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP (OH)

Back in XXXX XXXX XXXX, I evidently went online to research my credit score. I found an offer from a company named " XXXX '' ( One Technologies LLC ) for free credit reports. I thought I was getting a " free report '', but evidently i was being charged {$29.00} a month for a service I did not subscribe too. I just wanted a one time free report which I should be entitled to. 

I have received ZERO communications from XXXX  since that time. Then out of the blue, I get an email on XX/XX/XXXX about a monthly subscription payment. 

" This is a receipt for your monthly subscription payment for XXXX. 
We successfully charged {$29.00} to your XXXX on XX/XX/XXXX, in accordance with your member agreement. This charge will show up on your card statement as XXXX. " This was the first time I ever received any communication from them about monthly charges. I went back through my email history and nothing! I found a number to thier customer care department and immediately contacted them. I discovered that i have been billed a {$29.00} charge 49 times without my consent or knowledge. 

I have since done some research and discovered that this same company was fined XXXX XXXX back in XXXX for the exact same deceptive practices. I feel like I fall into this catagory and want my money back and the company to be punished. 

Company listed address is : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXXXXXX
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (NY)

Letter sent XX/XX/2022 a formal complaint to XXXX XXXX and Equifax for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/2022, I purchased a dental savings plan through XXXX. Through a computer glich, I was charged twice for the plan. Both charges occurred on the same date and time. The amount was {$120.00}. I contacted XXXX  and they issued me a full refund. I am being told that it could take up to 12 days to receive the credit back on my account. That is UNACCPTABLE!!! It did not take Citi Bank 12 days to release the fund. Citibank blames XXXX  for the refund not being back on my card. XXXX casts the blame on Citibank. Citibank told me that I still have over {$4000.00} to use on my credit if something should happen and I need money. That answer is totally ridicous. That is not the point. I don't carry balances on my card.
Consumer complaint received 2022-08-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (RI)

Pentagon Federal Credit Union : Mortage Loan # XXXX XXXX XXXX XXXX # XXXX Manager : XXXX XXXX XXXX # XXXX The week of XX/XX/XXXX I applied for a VA Loan ith PenFed. 

I went through their process and although their loan officer XXXX XXXX was very slow to everything my realtor and myself were trying to acomplish he would only respond 1-2 times per week. Buying a home is very fast paced and XXXX did not do anything ti alleviate these issues. 

I continued through the process and ultimate paid {$2000.00} is earnest money, and a further {$450.00} for home inspection. 

The loan was ultimately denied with no warning. I would login into the portal and everything seemed fine. It hadn't gone to underwriting. 

Middle of XXXX : We have a deadline of XX/XX/XXXX. I called in to see what else I needed to complete. There was not. In fact no one had reviewed any of the documents that I had uploaded the week previously. I called in and a young lady informed me that i was denied and couldn't tell me why. 

She told me they cold not do seller credits/concessions EVEN though XXXX told my realtor we could. 

So far I am out {$2400.00} during this process. 
{$2000.00} in earnest money. 
{$450.00} home inspection. 
{$85.00} Home Inspection Annd time wasted. 

I escalated this situation to XXXX ' manager, XXXX XXXX XXXX # XXXX. 
he informed that he would return the {$450.00} for the home inspection. 

This afternoon, I emailed XXXX for an update. he informed me that the {$450.00} home inspection reimbursement funds could not be returned at is AN OPTIONAL FEE!! 

Please see the attached document : A PenFed checklist where nothing in there says OPTIONAL. I would not have spent my own money anywhere. 

No where in their doouments did it say anything was optional. 

The lanaguage in teh document states : Property-XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Provide a borrower signed clear termite inspection report and invoice dated within 90 days from closing
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received a XXXX  's check on XX/XX/XXXX from BofA in XXXX XXXX. Deposited same day at branch on XXXX on in XXXX. This was placed on hold despite this check being fully secured and cash
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I have had a continuing problem with Experian not supplying credit information to banks and companies when I have tried to open bank accounts and credit accounts. They say they have no information about me. This problem has been going on for years and Experian has not been responsive to my many attempts to correct it. I have been rejected for accounts at XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and most recently for a credit card processing account. This has taken so much of my time in the past that I have simply given up. I have even sent them copies of my credit reports from other credit bureaus, including a 112-page report from XXXX that showed over 38 years of credit history. Now it is affecting my ability to operate my small business so it is imperative that Experian correct the problem.
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. (LA)

I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.
Consumer complaint received 2022-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

According to the Fair Credit Reporting Acts 15 U.S.C. 1681 SECTION 602A AND 15 U.S.C. 1681 SECTION 604A SECTION 2, my rights have continually been violated by Capital One, Dept Of EducationXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

I have been on the IDR repayment plan for my student loans since XX/XX/XXXX. My payment has been based on my income which has made my payment amount {$0.00} up until XX/XX/XXXX, when my payment started to be {$23.00}. I was making ontime payments up until COVID pause was put into place. In XX/XX/XXXX I submitted PSLF application for the time of XX/XX/XXXX when I started working at a school. My application was accepted in XX/XX/XXXX and I recieved credit only for the time of having to make a payment above {$0.00}. I have requested a recount and have still only recieved credit for 36 payment. I should have 103 qualifying payment as {$0.00} payments are supposed to count.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is contiuously harrassing and getting accounts wrong. They are saying that I owe a debt that not only has been paid but also others that are beyond 7 years old and somehow are only showing on my report in the last year. 

There are 11 derogatory marks on my credit report 9 of which are coming from midland and all have been " bought in the last two years '' for older accounts than 7 years ago. They have threatened legal action, call at all hours, mail harrassing letters, and when contacted threaten further. I am also being contacted through email as well. 

This has to stop. They have to stop.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I am a victim of identity theft and I have submitted numerous disputes to the credit bureaus stating that these account aren't mine. I have had my personal information used without my consent or knowledge.
Consumer complaint received 2022-07-18
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. (FL)

the charge off my XXXX XXXX account in experian shows as XX/XX/XXXX while the XXXX account history should be XX/XX/XXXX .I have complained and dispute almost 6 times but never fixed by experian.This has caused be denial in home loans and also higher intrest rates for cars and denial of credit card
Consumer complaint received 2022-07-15
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. (CA)

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-15
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. (MO)

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX XXXX Balance Owed : {$1300.00} XXXX. XXXX XXXX Balance Owed : {$4000.00} XXXX. XXXX XXXX Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX BANK XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  CU XXXX Balance Owed : {$0.00} XXXX. XXXXL XXXX XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

I recieved an offer ( single sheet with no true proof it came from Citi ) with a number to call to activate. I called and the automated system asked for the last 4 of my card #. The person that answered then asked for full card number and then password. I was concerned about fraud and asked for some type of confirmation that it was actually Citi I was speaking with. They wouldn't give me ANY indication other than say they were Citi. I called thier customer service line and spoke with a manager whose response was simply " that's how Citi does it ''. I think this opens every Citi customer up to MASSIVE potential Identity Theft due to thier policies. Simply offering something simple like my address ( even just city and state or zip ), my last purchase, last 4 digits of my social security number or anything that would not jeopardize my identity but offer confidence that I was actually dealing with the company. I don't think I should have to do this much research to be sure I am dealing with the proper people.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX shows an account on my credit file that does not belong to me by XXXXThis is not my account. Also, XXXX, XXXX, and ExperianXXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.
Consumer complaint received 2022-03-10
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. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-07-15
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. (NY)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.