davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION (MD)

Hello CFPB, On XX/XX/2021, XXXX XXXX XXXX  and I went to Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX. My mother and I went to add me on her accounts as Joint Owner, due to her health and age. We were seen by NFCU Account Manager : XXXX, who was extremely unprofessional and unknowledable of NFCU protocols and processes. We informed XXXX of our matter of wanting to adding me on my mother 's account as a Joint Owner, which she continued to do. After my mother and I left her cubicle, we proceeded to walk over to bank teller to initiate my mom 's new Debit Card Pin number. 

As my mother and I proceed to walk out to my vehicle, NFCU Account Manager : XXXX chases us to my vehicle along with XXXX " Sarcastically Stating '' that, NFCU can not add me on my mother 's accounts as a Joint Owner, which I currently possess a savings account for 30 years and my mother, i.e., XXXX XXXX XXXX  who possess a checking and savings account for 50 years. XXXX says she wasn't going to processes the documents, which she ( initially sign before hand ). My mother and I went to the aforementioned NFCU location one week prior to XX/XX/2021 and sat down with NFCU Account Manager : XXXX, who we initially wanted to add me on as a Joint Account Owner. Before my mother and I proceeded to sit down with XXXX, on XX/XX/2021. 
XXXX goes over to XXXX and whispers to her, to pretty much XXXX XXXX of not allowing my mom and I to process adding me on as a Joint Member of my mom 's checking and savings accounts. XXXX was snickering and aggravating the situation above. I'm not sure why XXXX is so adamant about me " Not '' being added on my mother 's accounts at NFCU, which is a " Very Unprofessional '' and " Awful '' and " Uncharacteristic '' of NFCU employees. This has been a " Unacceptable '' experience for my mother and I. 

I have never ever experienced this type of customer service before. I hope that someone from the CFPB can assist us with this " Discrimination '' and " Unlawfully '' Misuse of authority. 

I would like to request that Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX, to " Repreminded '' NFCU Account Managers : XXXX and XXXX for their Unprofessionalism, with " Taunting Me '' i.e., following me out to my vehicle and Publically Embarassing me in front of other NFCU customers. 

This is Unlawfully, Discrimination, and abuse and misuse of authority by XXXX and XXXX having the authority to stopping the processing of My mom 's " Wishes '' to add me on to her checking and saving accounts, due to her " Deteriorating Health ''. I hope CFPB can assist my mother and I in representing us on this Unlawful Practice and Discrimination of NFCU aforementioned employees. 

Thank You, XXXX XXXX XXXX XXXX ( Email ) XXXX ( Mobile ) XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax and XXXX  are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 ) on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment ( XXXX ) is past due which is not true.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXX NA Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (FL)

I've been communicating through loan servicer, SNSC Corp, with my lien holder regarding a payoff proposal. Initially, I didn't have my home listed. After a series of emails, ultimately the lien holder said they would not consider a payoff proposal without some type of documentation supporting the request, such as a sales contract. 

I put the home on the market, and on XX/XX/21, I began the latest series of communications. 

XX/XX/21 - Initial email sent to servicer with proposal. 
XX/XX/21 - Servicer replied confirming my proposal was sent to lien holder. 
XX/XX/21 - Servicer requested I send a copy of the sales contract and HUD/Settlement statement. 
XX/XX/21 - Servicer denied my request. 
XX/XX/21 - I replied to servicer, asking with whom they are speaking representing my lien holder. 

To this date, the servicer has yet to respond with that information.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.
Consumer complaint received 2020-05-06
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. (AR)

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth third bank engages in several practices that encourages overdraft situation, The most flagrant is that they have a policy that if your account has been overdrawn in the last 30 days you are not allowed to deposit into that account using the online app.You are able to deposit into their ATM. 
I experienced this situation over the last 2 years since I have been using their mobile app. 
On XX/XX/2020 I deposited a check from XXXX insurance for {$210.00} dollars but was forced put deposit in a savings account and founds were not available until Tuesday the XX/XX/XXXX XXXX.I was finally allowed to move over checking account but in course of those days I incurred {$140.00} in overdraft fees that would not of occurred in the deposit was put into the correct from the beginning.I contacted the telephone banking reps and they were not informed of this policy only the supervisors were aware. 
I asked to have the fees reversed and they were not willing to do that. 
I called the branch a filed a complaint but nothing has been done, This is a predatory practice that's preying on individuals struggling financially and particularly in this time of the Covid 19 quarantine is not an acceptable practice The second practice I have experienced was they randomly put 10 day holds on deposits and this has caused me 2 late payment marks on my credit report, the latest one was in XXXX of 2020 to XXXX XXXX,
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Accounts Service (CA)

California Account Services has been trying to collect alleged medical debt from me since XXXX for multiple accounts and there are still XXXX remaining on my credit report. Notification was never provided in accordance with state and federal laws. According to the Fair Credit Reporting Act, Collection Agency Accounts can only remain on a persons credit file for 7 years from the date of first delinquency. Although California Account Services purchased the collection accounts in XXXX, they are both too old to remain on my credit report. 
Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX : Date Assigned to Agency : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Ending # XXXX Date Assigned to Agency : XX/XX/XXXX Account Ending # XXXX is too old to still be listed on my credit file. 
Account Ending # XXXX needs to be removed on XX/XX/XXXX Creditor refused to assist and told me to hire an attorney to resolve these issues. Without explanation they are charging additional fees each month regardless of the fact that I have reported the egregious activity several times in the past XXXX years.
Consumer complaint received 2021-02-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kentucky Higher Education Assistance Authority (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations. They have also manage to garnish my funds illegally!
Consumer complaint received 2021-03-06
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. (TX)

1. ) Account Status : TransUnion is reporting this account as " CLOSED ''. And XXXX  is reporting this account as " PAID ''.

2. ) Payment Status : TransUnion is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY.

I have taken liberty of attaching a copy of this account. This Creditor has provided TransUnion and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT TRANSUNION AND XXXX  HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion on XX/XX/XXXX. It took over 30 minutes to get someone on the phone. Once I was finally able to speak to a customer service representative. She was very short and unfriendly. With a heavy accent. She seemed to have had a problem with me asking her rather or not she was in the U.S. I actually had to explain to her 3 times the nature of my call. 

Next, I explained to her that I had 2 different amounts and collections for the same issue, that occured on the same date, over 7 years ago still appearing on my credit account. Somehow, they were able to set them 2 weeks apart and 2 different amounts. It has severally affected me for over 7 years. I explained that I called the court in which it occured over this past summer and they removed it from my record without me even having to appear. Also, XXXX  removed it, and after speaking with a rep from XXXX  yesterday she also, instantly deleted both records. The CSR rep. at Transunion went on to say, it doesn't matter what the courts or other bureaus has done. She does things differently and the account is from XX/XX/XXXX so it would fall off in XX/XX/XXXX. Then she changed it to XX/XX/XXXX. I asked her how is it that they others were capable to manually delete it, in good faith and she was not? She couldn't provide a answer. I asked to speak to a manager and i have now been placed on hold for literally over an 1 hour, in addition to the time it took for me to get her on the line, and the time I spent speaking with her. I'm convinced that she has not notified a supervisor. And just left me her to give up and hang up. But I will NOT! 

I am so tired of how tax paying, hard working and long suffering citizens are treated here. 

While I am on hold I am going to continue to submit complaints regarding this to every agency and forum I can. 

Also, I am taking a screenshot of the time I called, and wait time is on my automatic timer.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER! 
I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2023, I submitted a dispute to your credit bureau regarding erroneous items appearing on my credit report. According to the FCRA, credit bureaus are required to complete their investigation within 30 days of receiving a dispute. Unfortunately, it has been well over 30 days since I initiated the dispute, and I have not received any resolution or updates from your bureau. 

I understand that credit bureaus have a significant number of disputes to investigate, and I appreciate the importance of a thorough review. However, I would like to bring to your attention the statutory obligation to resolve disputes within the designated timeframe. Given that the 30-day period has elapsed, I kindly request that you provide me with an update on the status of my dispute and a firm timeline for its resolution.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Payment was due on XX/XX/XXXX. Beginning XX/XX/XXXX, I started receiving multiple calls. XX/XX/XXXX I received 4 calls ; XX/XX/XXXX I received 6 calls ; XX/XX/XXXX I received 9 calls and on XX/XX/XXXX I received 5 calls by XXXX. Also received two text messages within the 4 days. 
I understand they are trying to collect a payment but 24 phone calls and 2 text messages in 4 days is excessive.
Consumer complaint received 2021-06-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I received an email today at XXXX from XXXX XXXX XXXX with the subject line " ARREST WARRANT FINAL NOTICE_URGENT ATTENTION ''. The email goes on to day that a lawsuit will be filed against me in the next 24 hours with a District Court in Florida which is not even the state that I reside in FYI. They claimed they have tried to contact me but I have yet to received some official communication in writing via mail. The email also mentions " If we don't receive any response from your side today, your case file will be downloaded automatically against you ''.