davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy fed has me in a pandemic program but the mortgage department still has me in foreclosure inwhic I can't get my check for my insurance claim. Navy will not give me my money back for a fraudulent check inwhich 4 people in the branch have said the signature is not mine and brity on the phone has also said it was not mine. The check was written to XXXX XXXX and they have said the signature in to mine and I have never written a check to myself only for deposit to XXXX XXXX never my so and I gave Navy fed a copy of all checks I have written but they are still saying I wrote them and cashed them in MN well MN is XXXX XXXX processing center not a back and showed them proff that in was in SC on that date. XXXX XXXX wants to give me the money back but that will over draw me so I said no. They may have to give e it back to Mr to investigate. Navy fed sold my Rental property before they told me that the denied my lost mitigation. They said my XXXX a month was not enough to pay my 400 monthly payment even know I had XXXX in the bank I which I was told that was to be considered. I asked XXXX and XXXX asked how much to pay to catch up but was never told. I was told by lawyer don't worry I have ten days to appeal and the paper did also but when I did I was told what are you appealing we already sold your property. Ok law said I had ten days and their paper work said the same but nothing. They stopped my lost medagation twice because they said it was empty but no one ever went out to check and I was told by XXXX a Manger of lost medagation that is how the check. The second time I told them over the phone and sent a letter. I could not do I quick sell or file bankruptcy because there was no time after the answer because again it was sold on XX/XX/XXXX and I got the letter XX/XX/XXXX and XXXX sent them proff of when I got the letter and again no on did anything. XXXX told a lot of things were done wrong and she would start an Investigation and one person called and nothing. I kept calling XXXX back and never got her again she was in a meeting at lunch and not in so I started calling her boss and got the same thing so I just gave up. Lost medagation screwed me twice the house is empty and don't have enough mountly in come even though I have XXXX in my account which was enough to get me present but no one would till me how much.
Consumer complaint received 2021-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have the Bank of America Premium Rewards credit card. The customer service at Bank of America has deteriorated to the point that it is nearly impossible to get assistance from any agent. You are given a confusing labyrinth of an automated system which simply hangs up on you if you make a wrong selection. If you are lucky enough to reach a customer service agent, they will tell you they can't help and transfer you to another department that will refuse to help as well. That is what happened when I called today. My credit card allows for a {$100.00} airline incidental rebate per year for incidental air travel purchases ( see attached ), such as WiFi or baggage. If the airline does not code the purchase correctly, you must call and provide proof that it was a qualifying purchase and they will manually adjust the balance for you. Recently, I took a two domestic flights on XXXX XXXX ( a qualifying airline ) and purchased WiFi ( an eligible charge ) for {$12.00} and {$16.00} for each leg of the flight. Due to the fact that this is billed by XXXX and not directly by XXXX XXXX, it is something that would need to be manually adjusted, which is what I was calling in today for. Attached you will find the credit card receipts showing the qualifying airline and amounts corresponding to my Bank of America credit card statement, as well as confirming it was for WiFi - again an eligible purchase. I ask that Bank of America please apply my travel credit to these eligible purchases.
Consumer complaint received 2021-04-15
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. (FL)

After I filed a dispute ( online ) with Trans Union on XX/XX/2021, for some reason account information on all of my accounts would not properly update. The dispute was closed on XX/XX/2021. During this time, my XXXX, XXXX XXXX, and XXXX  accounts were updated on XXXX  and XXXX  with no problems. 

I called Trans Union twice and nothing was done. 

XXXX said they would do an off cycle update- they did on Monday. XXXX  and Equifax were promptly updated ' Trans Union did not. 

Thus, Trans Union reflects account information from XXXX. If my accounts were properly updated, my credit score would increase like my XXXX  and XXXX  scores per recent account pay offs. Moreover, Trans Union is the most oft used credit report and this problem can lead to credit denials and/or higher interest rates. 

Simply put, I want Trans Union to fix whatever is causing this and to properly update my account information/balances on a monthly basis.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report. I want to see new credit report that this is gone.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (FL)

I overpaid the Ally Lending account # XXXX XXXX XXXX XXXX in XXXX of 2022 by {$100.00} and have requested reimbursement numerous times. 
Customer service agents say they mailed the check in XXXX of 2022. I have called them each month since then to follow-up ( 7 times as of XXXX ) as I have not received the check or any checks at all. 
I do receive their paper statements each month in the mail and I have verified my address with them each time I call. 
It has become very frustrating to hear that this bank can't refund or find another way to reimburse me. They say that cancelling and re-issuing a check is the only way. But the check never gets here. I requested a tracking number or proof that they have in fact mailed the checks. But they say they can't provide any other method of payment. I just spent 40 minutes on the phone with them and numerous supervisors ( XXXX, XXXX, XXXX, XXXX ) have juggled me around and they don't come up with a solution to simply refunding me the money with another method or providing me with a tracking number for my check. 
I'm attaching a few statements for your review.
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (CA)

ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law.
Consumer complaint received 2021-04-09
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. (FL)

3 Rounds of dispute letters have gone to the credit bureaus - XXXX, Experian and XXXX  about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX I Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX,
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (SC)

The company had placed a medical debt that I do not know of and do not own/owe. I had filed a dispute with the various credit bureaus, but the only information that was updated was a balance. There was no accounts removed. On top of that, the account has been placed on my credit report with two different reporting balances, instead of one. I will threaten legal action of these false debts aren't removed.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I know that XXXX is medical billing credit card. However, I do not know what services were provided, when services were provided or to whom services were provided. 

Midland Funding has NOT to date sent me any and all monthly billing statements for my review. 

Midland has NOT to date sent me any and all information to review that proves that this debt is mine.

Midland has reported inconsistent and incomplete information on my XXXX   credit file regarding this account. 

Please tell me what services were provided to the individual on this account to bring the total to current amount. 

Please tell me when this account was opened, the payment history and what is the date of the first missed payment. 

Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 

Please provide documentation that shows Midland is authorized to collect this debt. 

If this information can not be provided for my review, this account should not be reporting on my XXXX  credit file. Failure to provide me this information is a violation of my rights. 

Please either provide the information that I have requested or immediately have this account deleted.
Consumer complaint received 2022-06-10
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. (AL)

On XX/XX/2022, the company received a dispute from me telling them to remove information that I did not explicitly consent to be furnished to my consumer report. my information was obtained without my written consent, which constitutes fraud. the credit reporting agency has no proof, and can not and did not verify any of the information. The company did not respond, it has been more than 30 days.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is a complaint for making false statements in regards to my complaint through CFPB ( A FEDRAL AGENCY ). 

1. You claim the picture that was sent to you on this complaint was not visible which is false. It is so false that the USPS read it so clearly they gave me another proof of delivery showing that they delivered my correspondence ( payments ) to your XXXX XXXX XXXX not XXXX as you falsely claim ( see proof of delivery ). So you are either claiming me and or USPS ( a FEDRAL AGENCY ) making false claims or YOU are making false claims which is a federal offence. 

2. You claim the correspondence ( payments with 2 checks ) I sent to you XX/XX/2021 ( XXXX ) was magically received on ( according to you and Rushmore Loan Management ) on XXXX XXXX ( with no evidence ). Again another false claim since the proof of delivery proves that this correspondence was delivered on XX/XX/2021 at XXXX XXXX. at your XXXX XXXX XXXX signed by whoever you have there. So you are either claiming me and or USPS ( A FEDERAL AGENCY ) making false claims or you and or Rushmore Loan Mgt. are making false claims which is a federal offence. 

3. You claim to have received only one check # XXXX and not two checks through this correspondence? Again this is a false claim since picture taken at Post Office in day of ( XX/XX/2021 ) correspondence being mailed ( XXXX ) to Rushmore Loan Management clearly shows 2 checks # XXXX and # XXXX with full amount payments. 

4. Regarding your claim that XXXX XXXX ( who supposedly signed for this correspondence ) does not work at your lock box, lets just say since you have made so many false claims lets assume this is another false claim of someone signing a wrong name or you making another false claim they do not work there frankly it does not matter since all evidence proves that this correspondence was delivered to Rushmore Loan Management at XXXX XXXX XXXX at XXXX XXXX  on XX/XX/2021 and signed by someone at this address through USPS with proof of delivery.

5. Since you have lost my check and or someone stole my check from your address I have put a stop check on check number # XXXX for the amount of {$280.00}. XXXX  therefor you RUSHMORE LOAN MANAGEMENT must pay this amount of {$15.00} to cover this stop payment. 

6. Also you sent a letter claiming you ( Rushmore Loan Management ) would not be adding any late fees since I had proof that I had sent you payment on time and to your address signed by someone there yet you continue to send me statements with late fees ( XXXX and XX/XX/2021 ). You must correct this immediately and send me correct statements with no late fees and you better have not given any false information to credit bureaus. 



I will await for this amount as soon as possible.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

On XX/XX/2021 I served Discover with a cease and desist pursuant 15 usc 1692c ( c ) which I will have attached to this complaint, along with an affidavit of truth stating how they been violating my federal rights under 15 usc1692c. As a consumer and a natural person i have the right to refuse to pay for the alleged debt. Discover received the certified mail on XX/XX/2021 at XXXX. They completely ignored what I send which is another violation by sending me a post card with the intentions of continue to collect the alleged debt. Prior to sending the certified mail with the affidavit of truth and cease and desist I was receiving multiple calls at inconvenience times and without my authorization, receiving emails, and letters with the attempt to collect a debt. I requested proof of validation through the CRA 's which they never provided to me. I attached a request for validation and invoice for {$39000.00} with a few of the exhibits and proof collected by me letting them know that I am invoking my remedy as a consumer and the original creditor pursuant 15 usc 1692c ( c ) ( 2 ). all of this will be
attached with this complaint.
Consumer complaint received 2020-07-10
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: ID Analytics, Inc. (TX)

I recently bought a car XX/XX/2020 at XXXX XXXX XXXX. I was approved by XXXX then a few weeks go by and I received a letter saying I have been denied due to a SageStream credit score of  XXXX?!?!? When the letter stated that my score XXXX with XXXX. Currently XX/XX/2020 looking at my XXXX  Score Im at XXXX with XXXX  and XXXX  score of XXXX. The Disparity is ridiculously huge it makes no sense why two scores are so close and the third is 240 points lower. XXXX does not offer online services they want hard copies of ID & Social mailed to them, that is sketchy this company is a scam and they should not be allowed to be in operation for falsely reporting inaccurate information.
Consumer complaint received 2023-06-15
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: LEXISNEXIS (GA)

I would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2020-07-09
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. (TN)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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 CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (NC)

These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} 5 ) .account number XXXX {$480.00}
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (CA)

XX/XX/2020, a pull of my credit report shows that Progressive is  seeking to collect on an alleged debt in the amount of {$820.00}. XX/XX/2020, another pull of my XXXX Credit report shows that Progressive reported that I allegedly owe {$830.00}. 

XX/XX/2020, I sent a 15 U.S.C 1692g ( b ) letter of validations that requested various documents that substantiates the debt and the amount attempted to be collected on is accurate. I received a XXXX XXXX ( See attachments ) that shows the original debt of {$750.00} with XXXX Hospital. Progressive failed to provide the documents requested that shows that I have entered into an agreement by way of signed contract or judgement with XXXX Hospital and/or XXXX to pay interest or additional fees on the principal balance owed to XXXX Hospital for a debt I allegedly owe and that the debt belongs to me. 

This is a violation of 15 U.S. Code 1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

and Violation of : 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the  character, amount, or legal status of any debt ;
Consumer complaint received 2022-06-01
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. (VA)

I started receiving a bill from XXXX XXXX in XXXX of 2022. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a XXXX XXXX account in my name. After 3 months my credit dropped over 100 points due to the XXXX XXXX showing up on my credit with no payment made on XXXX XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX  or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? XXXX XXXX was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want XXXX XXXX to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.