davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Navy Federal Credit Union, I, XXXX XXXX, XXXX Federal Member, Consumer, am requesting for accommodation pursuant to 15 U.S. Code 1681s2 ( F ) ( I ) in regards of my pledge loan account. 

Its very unfortunate I was affected by Covid-19 and currently not financially stable nor am I able to feed myself at the moment. 
I lost my car as well so Im not as much fortunate to get around. 

However, I am working on getting my finances back on track, and requesting my Bank Navy Federal for accommodation and update my Pledge Loan account as Current this is a very difficult time for me and the last thing I need is for my financial reputation ruined and credit score decreased at this very hard time of life. 

So can you PLEASE help me and provide me with accommodation and update my Consumer Report as CURRENT status please as I get myself back financially stable. 

Prior to Covid, my payments was on time and successfully. 

I hope we can continue to do business and you Navy Federal Credit Union can provide me accommodation. 

I look forward to hearing from you, and doing great business with Navy Federal Credit Union in the near future, Thanks and best regards.
Consumer complaint received 2022-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I was charged XXXX dollars on XX/XX/22 from XXXX XXXX. This payment did not belong to me, I called my bank and canceled it. On XX/XX/XXXX, I received information about the claim from my bank. They sent me that I signed a contract with the bank. Between the time they mentioned, I signed a contract or something. I already had an insurance with XXXX XXXX and it still continues. There are police details that contain fake information that does not belong to me. It's randomly prepared, like I'm in love with someone I don't know in policy. They have double insurance. I get calls about 10 times a day. And I got mail from debt collector. I don't know what to do, I am an international student. I don't want to pay.
Consumer complaint received 2022-07-03
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)

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 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

On XX/XX/22, I scheduled a mortgage payment online with Freedom Mortgage. In the same computer session, I immediately canceled the pending payment because I realized I had to make it for a few days later ( which I canceled and scheduled another for XX/XX/22 ). I canceled this payment literally less than a minute after scheduling it, but the money was still withdrawn out of my account 5 days later and the other payment scheduled for XX/XX/22 was applied as well. I called the mortgage company when I noticed that there were two payments applied to my account in XXXX and the rep told me that I would need to conference a rep from the bank that holds my checking account or provide them a statement that shows duplicate payments were taken out of my account before they would refund me my money! However, this is theft! I have a right to immediately cancel a pending payment, less than a minute after I made the online payment, so forcing this payment to still go through after the cancelation option was still available is theft! I have had nothing but problems in the two months this company has been servicing my loan and something must be done about it to stop them from continuing these deceptive practices!
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am unable to access my MyEquifax account and after speaking to someone from the Equifax customer service I was informed that I am not authorized to have a MyEquifax account. I asked the representative why I'm not allowed to have an account and she said that information was not available to her. I asked to escalate this issue or start an inquiry into why I am blocked from having an account and she said that is not possible. After Equifax handled all of our information so irresponsibly, I can't understand why they're allowed to block access to my own credit report online.
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Student Consolidation Loan started with XXXX XXXX in XXXX. XXXX XXXX took approximately XXXX year to process XXXX separate student loan consolidations ( XXXX for myself, and the other for my XXXX ). When the consolidation loans were final processed, XXXX XXXX went out of business and moved everything over to American Education Services. When American Education Services ( AES ) processed the loans, they were processed as a spousal Student Loan Consolidation on XX/XX/XXXX. Upon identifying the error, I attempted to work with AES without any definitive response until XX/XX/XXXX. Every year thereafter through XX/XX/XXXX, I attempted to resolve the issue to no avail. The error has NOW been identified and acknowledged to be an error, however AES is unable to determine a solution. 
Separate from the loans being erroneously processed as a Spousal Student Loan consolidation, and perhaps more important, it was determined that the erroneously processed Spousal consolidation was done AFTER Spousal consolidation loans were allowed ( Ended XX/XX/XXXX ). 
Now that an AES supervisor has identified the error, no one with authority will call me back or even speak with me directly.
Consumer complaint received 2020-06-05
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted Capital One back in XXXX as I noticed I had a 30-day late payment on my credit report from them from XX/XX/20. I spoke with a gentleman about my COVID situation and not working as many hours with the hopes of having this removed. They looked into this and said being that my account was in good standing before and after XX/XX/20 they would remove this 30-day late payment and put me back to 100 % on time payments. I was told this should take place within a couple of weeks with all the credit bureaus. It had been a couple of months, and nothing has changed. I called back in and spoke with someone about this situation and the gentleman said nothing can be done about this. I asked to speak with his manager and even after agreeing that he seen the notes, he told me this was something they did not offer. I asked if there was a reason and if he was familiar with the Cares Act and I was told they do not speak on that. I have to have something sent to me in writing on why this couldn't be done, and he said this also is something they don't do. Thet had already told me it was taken care of and now there is nothing that can be done. All I'm requesting is that you honor what you said you would do.
Consumer complaint received 2022-06-29
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. (FL)

In accordance with the Fair Credit Reporting act has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After several communication with the bureau regarding the inaccurate of those account, they claim to come back verified, which i never provided the mean and the documents using to verification which I had requested. Furthermore, i found out the inaccuracies were still present after they claim they fixed them. 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 an account without my written instructions.
Consumer complaint received 2022-07-03
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. (MI)

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. SOME INQUIRIES ARE FROM CREDITORS I ALREADY HAVE CREDIT WITH, AS AN ATTEMPT TO HAVE THE CARDS MAILED TO A DIFFRENT ADDRESS. ( THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX OF XXXX XX/XX/XXXX ) ( XXXX XXXX NA ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX XXXX ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-26
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. (IL)

I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
In accordance with the Fair Credit Reporting Act 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 famish an account without my written instructions
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Carrington illegally threat late charge assessment immediately after servicing transfer. The loan was newly originated and subsequently sold and servicing transferred to Carrington. I had to actually stop a payment to original lender and make a new payment to Carrington. This type of bullying behavior was what the law was intended to prevent but Carrington does whatever it wants because there is no recourse for someone like me.
Consumer complaint received 2022-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

See attachments
Consumer complaint received 2022-07-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute on XX/XX/2022 with CFPB due to I mailed in a dispute on XX/XX/2022 disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX was updated as Closed/Collection account for what appears to be incorrect amount. 
I received a collection letter on Behalf of XXXX XXXX XXXX from XXXX XXXX XXXX stating a totally different balance than what's showing on my credit report for the company XXXX XXXX XXXX which indicates that the investigation as well as the reinvestigation I requested was not done as requested and which the FCRA states, therefor is a violation of the FCRA. 

See attachments
Consumer complaint received 2022-06-29
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. (TN)

since XXXX of 2020, I have tried calling the student loan lenders to advise them I should not have or show any late payments on my account, I have disputed this several times, even to the point where I had to switch lenders because they was not properly handling my account and reporting inaccurate information to the credit bureaus. My credit report shows inconsistent information, XXXX late payments reporting all with the same account number. I do not have XXXX loans with the exact same account number which is another huge error on their part.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

My name is XXXX XXXX, I am an Amex platinum card holder and have been an Amex customer for XXXX  years. 

On XX/XX/XXXX I booked XXXX business class tickets with Amex Travel to XXXX and XXXX for {$9800.00} ; Record Locator : XXXX. 

The agent that helped me with the ticket made some errors by voiding one of the possible tickets a day later because of which XXXX  XXXX  apparently canceled my ticket on XX/XX/XXXX ; I missed the email ( no one from AMEX travel cared to call me ) and noticed it on XX/XX/XXXX. I called up Amex travel to find out what happened, after a long time of trying to find out the problem ; they realized their mistake. I was asked to call back the next day so that someone can contact the airline ; I booked a new ticket because I can't cancel the family trip ( a regular economy class this time ). I called back the next day and after several hours of waiting and transfers ; I was told that they can not refund my money till the airline refunds the money which may take 1-2 billing cycles + I may have to pay {$400.00} which they have requested as a complaint given that it was Amex System issue. I was told that I can call the dispute department to get my money back while the investigation and refund is processed. 

Amex dispute department told me that they can not open a dispute against Amex AND that Amex travel should be able to fix it. I called Amex travel again and after several hours requested to be transferred to the supervisor- who basically told me that He doesn't care. The credit card company is keeping {$10000.00} of my money for a product they canceled and caused an immense inconvenience to me. Why should I be charged XXXX for 2 months for a good or service that was canceled by the vendor/ service provider ( XXXX XXXX  ) because of a mistake of the middleman ( Amex travel ). 

Imagine how unreasonable it is that Amex 's dispute process ( which I have gone thru for a third-party travel agent ) puts the money back in my account so that I do not have to pay for a wrong charge during the investigation BUT when their own travel departments makes a mistake ; I am expected to wait for 2-3 billing cycles ( upto 90 days ) to get my own money back. $ XXXX is not a small amount of money. 

I hope CFPB will help me get the money back but would also charge a penalty from Amex for this misconduct. 

Thanks XXXX XXXX
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.
Consumer complaint received 2022-06-29
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. (FL)

XXXX, XXXX and Transunion are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Consumer complaint received 2022-07-03
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. (FL)

In accordance with the fair credit Reporting act 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 consume reporting agency can not furnish a account without my written instructions. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX.
Consumer complaint received 2022-07-03
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. (FL)

In Accordance with the Fair credit reporting Act, National Credit Adjusters, ( Account number XXXX ), XXXX XXXX XXXX, ( Account number XXXX ), XXXX XXXXXXXX XXXX XXXX  ( Account number XXXX ), XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), Has violated my rights. 

15 usc 1681 section 602 ( A ). States I have the right to privacy. 

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XXXX, XXXX I sent to Equifax certified letters asking them nicely to remove from my credit report the inquiries that I had not authorized. They are refusing to remove them from my credit report. I am asking once again that they remove them.
Consumer complaint received 2022-07-03
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)

CFPB complaints on complaint numbers ; XXXX XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.
Consumer complaint received 2022-06-29
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX 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.