davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TN)

I XXXXXXXX XXXX with account number XXXX have requested that Navy Federal show proof of claim that they gave loan by providing the on and off ledgers according to XXXX rules and FAS rules. The Bank never gave a legitimate form of consideration. They never debited their account and rendered a loan. The check they showed me as proof is fake and I never signed a check. That does not prove that a loan was actually given. XXXX XXXX name is the only name shown on the promissory note. In fact it was a barter signature exchange for fund access, a 1099b has been filed with IRS, a 1099C has been filed with IRS and both accepted. They have been reporting wrong information to credit report even after IRS canceled the debt and insolvency filed. They lied like they are not for profit and put the same on my online profile but sent a letter saying they are debt collectors. 3949a and a whistleblower form for non profit entities has been turned in to IRS investigation team for identity theft and lies. Navy Federal denied compel for Private Arbitration. The automobile has been sold to a company in Delaware at my discretion because I am the owner of the promissory note as beneficial owner. The bank did not sign. I am seeking for recoupment of federal reserve notes that was sent to them in error. They used my signature as actual cash value, securitized my promissory note, received funds and then erroneously charge me interest payment and gave the deposit back to me in the form of a loan, this is identity theft and security fraud. I also sent a International Bill of Exchange to Navy Federal XXXX XXXX, XXXX which is the in house Trustee, to set-off the debt because according to comptroller that is a legitimate security to set off and settle debt. They kept it, sent to TT & L dept of treasury to make presentment and kept the proceeds and then said I owe them a loan. I will not make another payment to a loan that doesnt exist.
Consumer complaint received 2022-07-13
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. (GA)

there are XXXX inquiries on my transunion credit report this information is in violation of my federally protected consumer rights under 15usc 1681 and 15 usc 1692 g as a consumer i have a right to privacy and a right to have accurate information reported on my consumer file i have sent several ftc reports as well as police reports all of which were denied ive also submitted a complaint to the attorney generals office regarding this matter please assist me in the correction of these issues
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

In a previous complaint against PPH Mortgage Services, XXXX XXXX, failed to address my inquiry as to what is a BPO cost and why was it assessed to my account on XX/XX/XXXX and XX/XX/XXXX. Also, the representative failed to address my inquiry as to what is XXXX XXXX XXXX Fee and why was it assessed to my account.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

FCRA violations : accounts not mine XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/ XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IL)

Complaint on Regions MTG Regions Mtg has raised my monthly payment over {$400.00} for Real Estate taxes. First of all, we have never escrowed our taxes. We were late paying our taxes and Regions sent a letter giving us 30 days. We paid the taxes within that 30 days in XX/XX/2022. Regions paid our taxes again in XX/XX/2022. They said that the State of Illinois is not showing our taxes paid. I sent Regions the paid bill and a copy of the cashiers check used for the payment verifying that we paid our Real Estate taxes XX/XX/2022. Why are they charging us for their mistake? Is that legal? 
We received two payment increases : One time to force us to escrow our taxes going forward ( a little over {$200.00} ) and another increase ( a little over {$200.00} ) to make us reimburse them for paying our taxes in error. Regions is forcing us to escrow. I asked to see documentation and they said that If we default in our Real Estate Taxes, Regions has the right to force the escrow. We NEVER defaulted in our taxes, however, paid them late. Is this legal? And, why should we pay Regions back the amount of our taxes they erroneously paid the State of Illinois, when we already paid them? Is that FAIR? 
Our Mortgage balance with Regions is a little over {$6000.00} and they have raised our payment from {$430.00} to more than {$800.00}. That is at least a 75 % increase. How can they force us to cover their mistake? I think Regions is trying to cover up their mistake. Talk about UNFAIR, DECEPTIVE, OR ABUSIVE PRACTICES. 

Mortgage Loan in the names of XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (NC)

Its been 9 months, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute. I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report.
Consumer complaint received 2022-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I recently open several disputes with Equifax. Most of them are finish, the problem is I haven't been able to see the results for any of them. Equifax has been sending me emails stating to see the results to go online but for some reason EQUIFAX has had my account locked out this entire time even now. The emails Im receiving now saying I have until the XXXX of this month to see the result. I HAVE CALLED THEM SEVERAL TIMES OVER FOR HELP!! AND HAVE BEEN LIED TOO AND MOST OF ALL I STILL DON'T KNOW WHATS GOING ON. I just got off the phone with them. I was told my information was NOT IN THEIR SYSTEM!! IM SO CONFUSE. I NEED HELP!! THANKS
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX # XXXX ), has violated my rights. 

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
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (SC)

Comenity Bank issues cards foXXXX XXXX XXXX XXXX XXXX. For over a week, I've not been able to access online services. Information from the company is very limited, saying it was a " planned update '' and " scheduled maintenance ''. I've asked if they were hacked and they refuse to answer the question. I asked if they are a victim of ransomware and they refuse to answer. The early responses said account information was safe. That wording has disappeared from their subsequent messages. They said that calling the phone number would allow account access, however a recording says the call can not proceed, call back later, and then it disconnects.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXXXXXX XXXX XXXX has failed to comply with my cease and desist and now Transunion is now in compliance with their attempt to collect a debt by means of fraud and extortion. Cease and desist explains the steps necessary to prevent any further action from being taken. This account needs to be removed from my account immediately being that the company did not provide me VALIDATION. VALIDATION IS AS FOLLOWS : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2022-06-30
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. (PA)

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian has violated my protected federal consumer rights on multiple occasions and instances. Referencing Account # XXXX, from XXXX & XXXX, this account was resold 3x to 3 different collection companies and all updated with different open dates and neither contains the closed date as this is a collection account. ( collection agencies : XXXX XXXX XXXX & XXXX XXXX  ) According to Experian although information is sold between collection agencies the open date/ account date is not to be changed as in making the old debt appear new. This was clear violation when my account went to XXXX XXXX  that had a open date of XXXX XXXX, XXXX then deleted from my account and as of XXXX XXXX it was placed back on my account under XXXX  XXXX  with an open date of XXXX XXXX. As of XX/XX/XXXX the account was again disputed and removed from my report which shows proof that you have been willfully negligent is correcting these inaccurate reports and information. After the information was disputed as fraudulent on XXXX XXXX, XXXX it was removed again on XXXX XXXX. Still without written notice to me the consumer this transaction is negatively affecting. refferencing my report from XXXX XXXX the collection was placed back on my account with another fraudulent open date of XXXX XXXX, XXXX. Not once was i notified nor were there any reasonable procedures maintaned to prevent reappearance to this deleted material persuant 15 usc 1681 I ( C ). This information is not only inaccurate but it is fraudulent as well. Also, i never gave experian nor at & t written instruction to furnish anything in my name, persuant to 15 usc 1681 b # 2. It is illegal under the FCRA to furnish information that is knowingly inaccurate and incomplete, persuant to 15 usc 1681 s-2 ( a ) ( b ) ( 2 ). Experian is willfully non compliant and hereby liable persuant to 15 usc 1681 N & 15 usc 1691 K. This XXXX XXXX XXXX  account has been deleted and reinserted without written notice given to me a total of 6 times. these multiple occurrences and reinsertions prove that this wasn't a mistake or unintentional. The law is very clear as to the civil liability and remedy available to me for negligent noncompliance.
Consumer complaint received 2022-09-03
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. (TX)

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 2019-08-07
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. (CA)

I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with equifax, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please  be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX XXXX  6. XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I recently refinanced a mortgage through a loan broker and the mortgage account was purchased by PennyMac mortgage. Loan # XXXX originated on XX/XX/2019. Since that time I have had issue after issue ( I am a 15 year XXXX  XXXX  ) navigating their payment and autopay process. 

There was no correspondence sent out prior to the 1st mortgage payment being due, nor how to pay, nothing. I was surprised by an unpleasant voice message from their debt collection group. I immediately call PennyMac and after a 45 minute wait I facilitate payment over the phone and was charged a {$15.00} convenience fee. 

At that time I requested to be set up on automatic payment and was told by the PennyMac representative that it would be implemented. 

Fast forward to today and I receive another call from PennyMac 's collections group asking me to verify my address and other personal info. When I refuse ( this is an incoming call asking me for my personal info ) they request I call XXXX to speak to one of their collection agents. When I dial the number provided I am told there are 87 calls in que ahead of me and to expect a 50 minute wait. I log in online to make a payment and check on the autopay set up. I am not allowed to " set up '' auto pay because my account is " delinquent ''. 

So, I am now on hold for over 45 minutes awaiting the opportunity to make a payment to a company that has apparently reported me delinquent to the credit bureaus because they failed to set up the autopay as promised. 

XXXX XXXX
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no idea what is going on here, XXXX XXXX XXXX XXXX is reported Repossession on my XXXX  credit report and 30 days late on Transunion ? This is all a big mistake! XXXX  doesn't even report this false accusation.. This has been illegally reported on my credit report..Therefore I am now filing this complaint and request a method of verification pursuant to the FCRA, including the name of the person with whom you spoke who has firsthand knowledge of the account in question.. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's Office, should you continue reporting this erroneous item
Consumer complaint received 2020-05-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was told XXXX ( XXXX ) that my account ending in XXXX is scheduled to be closed on XX/XX/XXXX. I did not know this until trying to make a purchase. I have had this card for several years and I have other accounts with capital one. I have called recently prior to this and was never told it would be closed if I had not used it. Please do not close my card