davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal Credit Union automatically robbed me of {$800.00} I deposited to my account without my consent, my knowledge, without any communication or authorization by me stating that it was ok for them to pull money out of my savings account. I had not idea that they would automatically go into my savings account and withdraw 3 consecutive withdrawals of {$200.00} and 1 withdrawal of {$170.00} of my hard earned money and my only means of living. That {$800.00} was all I had to survive on and I made no payment arrangements, authorizations, or consent for them to take and automatically withdraw that amount. I did not make any payment arrangements for them to withdraw money from my account without my express written or verbal consent, or knowledge. I didnt not state it was ok for them to take and withdraw those 4 specific amounts from my savings account automatically without my knowledge, authorization or consent. I did not make any payment arrangements for them to withdraw or take money from my account, or automatically withdraw from my account without my knowledge or authorization. Had I known Navy Federal was going to automatically take money from my account I would not have made a deposit to my savings account or trusted that my money would be safe in their bank. I had not made any authorizations or payment arrangements consenting Navy Federal to automatically withdraw and take from my savings account. I would like my money back that they automatically withdrew, robbed, and stole from me without my consent, knowledge, or authorization that they could withdraw or take my {$800.00} dollars that I worked really hard for and that is all I have to survive and live off of.
Consumer complaint received 2021-09-30
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: LEXISNEXIS (FL)

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to Lexis Nexis, XXXX, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel.
Consumer complaint received 2021-09-22
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: Collection Bureau of America Ltd. (CA)

The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/XXXX. I contacted amerisave mortgage. I spoke with a XXXX XXXX. I was told a wonderful story. As they say all calls are recorded. I just lost 2 bids on 2 other house over cash offers. I was shopping around different mortgage companies. The part I m upset with. I was told I had to right now pay the XXXX. It was not only to get me a fha loan but to also get me a certified pre-qualified letter. If I didn't send the money now I wouldn't be eligible for an fha loan. Don't lie. I did contact the company v email. And I did post what happend on XXXX  XXXX. I was contacted by the company and never heard form then again.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
Consumer complaint received 2021-09-22
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: Freedom Mortgage Company (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, please reinvestigate the whole information especially the account status, balance, and comments. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

There is a chapter XXXX bankruptcy listing on my file and several accounts listed in the chapter XXXX listing, I want proof of this listing as I never recall filing this. Also unauthorized inquiries and an account that I was never late on. I am enclosing a letter of detailed explanation.
Consumer complaint received 2021-09-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NJ)

My husband XXXX XXXX and I, XXXX XXXX are writing to report Mortgage Fraud. 

It was confirmed this year 2021, that we are/and for years have been victims of mortgage fraud ; because a bogus loan was created and sent to us by XXXX XXXX , and even though we did not agree with it or sign it, or return the paperwork after it came in the mail. 

Still, it was put into effect without our knowledge or permission. Our signatures were somehow applied, and this transaction was later presented to us, under the guise of a change in servicer, and transfer of a loan that, to our knowledge, we were already, actively making payments on. So now instead, we have been paying on a fraudulent loan for years. Our timeline is attached.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Synovus Bank (AK)

Greetings! 

I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. 
At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 
5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. 

Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX  XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 
3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. 
As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. 

As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. 
Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. 

Very respectfully yours, XXXX XXXX
Consumer complaint received 2021-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-22
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. (AZ)

Equifax is in violation of numerous consumer rights including : 15 USC 1692 - Fair Debt Collection Practices Act 15 USC 1681 - Fair Credit Reporting Act 15 USC 1601 - 1667f - The Truth In Lending Act 15 USC 1691- The Equal Credit Opportunity Act 15 USC 6801 - 6809 The Gramm Leach Bliley Act I have reached out various times to dispute and inform Equifax of incorrect information being reported as well as to report the numerous violations that have occurred along the way. When I asked representatives how and when the information was validated they told me that Equifax didnt and doesnt validate information before its reported. I advised that they are to adhere to the rules of the FCRA and they advised that they dont have to check the validity of any information before its reported.

I also advised Equifax that I never gave my written permission or instruction to generate or furnish information about me as needed and identified by the FCRA. I asked for assistance in resolving the issue and each time I call in Im transferred to dead air or hung up on when I recall my rights under the statues and guidelines as set forth with myself being the original creditor and debtor. 

The accounts listed below are in violation : XXXX Student Loans ( 2 ) - payment history is inaccurate as Ive never been late - different reports show 90 days late on different months and Ive NEVER been late as loans were on a forebearance plan - never authorized information to be reported XXXX  XXXX - never had a charge off account XXXX XXXX XXXX - not my account ; was victim fraud - have provided info FTC report/ police report to Equifax XXXX account removed by other agencies by not Equifax XXXX never authorized permission to report Ohio Dept of Human services ( 2 ) - not late on account - payment history incorrect - never authorized permission to report
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NJ)

I initially sent an email to Credit Karma on XX/XX/XXXX because my XXXX report hadnt updated since XX/XX/XXXX. I received an email that it was escalated to the appropriate team. One month later, I am still awaiting a voluntary response from Credit Karma. I have to send emails and still get the same stock answer, it is already being reviewed. I decided to cancel my account. Foolishly I had opened a Credit Spend account ( which had a XXXX balance ), which was preventing me from closing the CK account. I called and requested this to be closed right away as I didnt wish to do business with this company any longer. After the phone call I had to answer some questions in an email that was sent. I answered the questions and I got the response that THIS request also had to be escalated. I sent an email today that I am revoking my permission to have them access my personal information. I am sure it will do no good, so I came here. Hopefully you can help. 

XXXX XXXX SSN XXXX. DOB XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my XXXX and Experian credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was removed.
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (OH)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-09-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AZ)

Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Consumer complaint received 2021-09-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could someone at CFPB please address this and respond back to me. I have tried obtaining an answer with TransUnion. I received my updated TransUnion Credit Report. My TransUnion Credit Report indicates that this one XXXX XXXXXXXX XXXX account ( Account Number XXXX .... ) has been charged-off thirty-six times. 

Is that right? Does CFPB know if an account can be charge-off more than once? 

Please contact me at ( XXXX ) XXXX, if further information is needed. Thank you. Sincerely, XXXX XXXX XXXX SS # XXXX.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-12
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2022-08-02
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. (NH)

Experian is the only one that has the XXXX XXXX late payments, XXXX and Experian never got the late payments, so my credit is XXXX and XXXX. Experian has a credit score of XXXX. I have no idea why the big difference in credit score! The whole thing doesnt make sense. I just want this taken off of my credit. Suspicious that they reported this to me right away. Just like the fake student loans, Experian keeps it on my report and they are from XXXX I have been XXXX since XXXX. Put on {$0.00} payments due to income! They keep adding money and late payments. Late on {$0.00} payment. Experian refuses to look at it. {$0.00} payments were made.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I would like to use this medium to report the deficiency from XXXX XXXX  and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from XXXX XXXX  did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan.

Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.