davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
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: NAVY FEDERAL CREDIT UNION (DC)

In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. 

I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery continues to contact my employer after being told to cease doing so on XX/XX/XXXX. They called my work on XX/XX/XXXX and XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today, XX/XX/XXXX. This is creating both an embarassing situation in addition to a tense work environment for me. I have sent notices of dispute to this company asking for proof of my application for the credit card debt they claim I owe ; however, they just keep sending me copies of statements wherein charges were made and claiming that is all the proof they need ; never sending me what I asked for.
Consumer complaint received 2019-04-04
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. (AL)

XXXX, XXXX and Transunion have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since 2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (AZ)

BBVA Compass Bank Violations of H.R. 1261 Overdraft Protection Act of 2013 SEC. 4 FAIR MARKETING AND PROVISION OF OVERDRAFT  COVERAGE PROGRAMS. 

SS 140 B. Overdraft coverage program disclosures and consumer protection ( c ) Each depository institution may charge overdraft coverage fees with respect to the use of an automatic teller machine or point of sales transaction only if the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. 
[ I, the consumer, never gave consent to overdraft protection nor was given opportunity to opt-in or not. ] ( d ) ( 1 ) ( A ) CONSUMER DISCLOSURES. - Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution- that- the consumer may be charged for not more than one overdraft coverage fee in any calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account ; [ I, the consumer, have been charged 16 times in 2 months! Even if I did consent, they are exceedingly over their limit.that they can charge per one account. ] There are many more violations. However, I will stop there.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NV)

I received a quote online for the payoff amount on my car for the XXXX, XX/XX/2019. I sent a cashiers check via email to Ally XXXX XXXX, which they posted on XX/XX/XXXX. I called customer service, XXXX, on XX/XX/XXXX to provide my XXXX account number for them to send the title overnight and was told they were sending the title to my credit union based on title instructions they received. This was incorrect because I sent the cashiers check from my credit union where I bank. I was assured that the error was corrected and the title would be sent to me at my home address by the following Monday, XX/XX/XXXX. I called customer service on XX/XX/XXXX to confirm everything was good and was told that my title would be sent to XXXX XXXX, who I have never dealt with in my life. I was assured that everything was corrected and my title would be mailed to me. I called customer service again on XX/XX/XXXX and was told that my title was sent to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Ok, XXXX. They said they couldn't help me until they receive the title back from XXXX. They apologized for the error and would call me back on XX/XX/XXXX between XXXX XXXX and XXXX XXXX   eastern time. They didn't call, so I called them. I have to start over every time I call. There is no manager you can talk to. I am just assured that they will fix it. But every time I call I get a new person and have to convince them all over again that they made a mistake. The vehicle has a value of $ XXXX. My loan is completely paid off, but I can not get the title for it.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

i havenot been credited for 2 mortgage payments on XX/XX/2018. i made payments by 2 seperate checks in the branch in XXXX ga on XX/XX/2018 and have sent in a copy of my receipts for this transactions along with copies of both cancelled checks. neither of my payments and the late payment charges have been credited to my outstanding mortgage balance. my loan has since been transferred to a debt collections serivicer and and i am not able to make any progress with getting this huge error corrected.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

I am writing regarding extreme disarray with the functioning of my student loan servicer, XXXX XXXXg. I received emails indicating that my loans were in a grace period after graduating. Therefore, I was shocked to discover a large debit from my checking account via my loan servicer. I reread the emails to be sure I hadn't misread the content, and I was able to confirm that they indeed stated that my loans were currently in a grace period. In order to have documentation of my contact with my loan servicer, I emailed my inquiry about the situation using my loan servicing account online and for weeks I did not get a response to my question. I called to follow up on the issue and was told that the email that was sent to me was not correct in stating that my loans were in a grace period. Only some of my loans were in a grace period, but others were not, which caused the large withdrawal from my checking account. The representative could not provide me with any information regarding why I had been sent incorrect information regarding the status of my loans. 

Since I am taking care of an elderly family member with XXXX in lieu of working, I am unable to afford my student loan payments at this time. I applied for an Economic Hardship Deferment, and provided documentation using the online file upload. I have not received any acknowledgement that my application for deferment was received or processed in three days it will be one month from the date I applied. I called again and was told that my application was received but it has not been processed, and that it could take up to 20 business days, but that the processing times have been beyond this time frame. I was told by the representative that the only option was to contact my bank to file for a stop payment, which cost {$30.00}. After having the bank put a stop payment on my account I received an email from XXXX   XXXX  indicating that they had processed another debit from my account. When I went to verify this with my bank I found that this was incorrect, because the stop payment prevented the debit from being processed. Yet another email which provided correct information from my servicer. I understand that I am not alone in my experiences with this company. My experience with the company related to the Public Service Loan Forgiveness program has been terrible, with the  company losing my paperwork repeatedly. The conduct of this student loan servicer is unacceptable.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I opened a XXXX XXXX Credit Card account inXXXX to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my XXXX XXXX account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and XXXX took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked XXXX for an explanation, but after two letters and an E-Mail contact, I have not received one! They  seem to be ignoring me. 
My position is that XXXX XXXX made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!
Consumer complaint received 2019-04-04
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. (AL)

Equifax, XXXX and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.
Consumer complaint received 2019-04-04
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. (VA)

XXXX and XXXX XXXX XXXX mortgage made a mistake on the credit report and placed two hard inquires on our credit reports and Transunion will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than XXXX points. 


XXXX XXXX  from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF THE WEST (GA)

Due to an auto accident in XX/XX/2017, and not reaching a settlement with the insurance company over medical bills, we were forced to seek relief through bankruptcy. We have 2 accounts that show as included in the bankruptcy proceedings, that had no balance, and were paid off well before the bankruptcy was started. All other open accounts that were required to be listed in the proceeding that had no balances show a satisfactory rating, except these 2 accounts, and they refused to change that status, that shows on our credit report as adverse accounts. We disputed the accounts through the dispute process with the credit bureaus, and have contacted the companies directly, to no avail. 
All we are asking is that the status be changed, due to them not being included in the bankruptcy filings, only listed by law, which will change the status to satisfactory.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX XXXX I have paid in full my loan MERS : XXXX The mortgage in the amount of {$500000.00} has been paid off to XXXX XXXX XXXX, then it was held by XXXX XXXX XXXX XXXX which changed name XXXX XXXX which was purchased by XXXX. But none of above mention companies have issued a letter of satisfaction and mortgage is still recorded. Although XXXX XXXX on XX/XX/XXXX reported to Equifax that the loan was paid and closed. Since the mortgage is still recorded I am not able to close the sale of apartment
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIORECOV from ( XXXX ) XXXX, XXXX XXXX, XXXX Hrs, from ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX Hrs are only the the most recentcalls. This company has been calling me for years. Spoke to person several times explaining that the person they were trying to collect from is not me, I never heard of them. I don not owe anyone anything. I have never written a bad check or missed a bill EVER! This is my home land line number. number is unlisted and on the Do Not Call registry. IT has been my number since XXXX XX/XX/2015 when I moved here. I've blocked their number several times, but they keep spoofing new numbers. This business is the worst of the worst. How can they be stopped? Will someone Please DO SOMETHING! My Telephone number is ( XXXX ) XXXX.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This complaint is a continuation of complaint XXXX. I have yet to have the issue resolved with Capital One regarding the inappropriate fees. They have referred me to collections on top of this. Also the ongoing fraud investigation has yet to be resolved. I have called Capital One on several occasions, multiple times a week to get a status on the investigation because my account in its current status has had a negative impact on my credit report. No one will give me an account of what is happening, I have submitted requested ( and very sensitive ) documents over and over again, without any followup or request to resubmit due to an error unbeknownst to me
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im asking transunion to follow federal tax law. The attached items have been charged off as bad debt and ot sold to other collections agencies for pennies on the dollar. In all 50 states it is a federal crime to collect or attempt to collect avdebt that has been wrotten off off on a corporate write off on their federal taxes. Im simply asking them to comoly with the law and remove this debt that doesnt exist from my ctedit report.
Consumer complaint received 2019-04-04
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. (NC)

I sent a letter to Trans Union, asking them to investigate errors on my credit report. This letter was mailed to them on XX/XX/XXXX. Over 30 days have passed, and they have not responded yet.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NC)

On XX/XX/2019 I received a cancellation notice for my homeowners insurance. When I contacted them for an explanation I was told that Fay Servicing has not submitted payment. The loan is escrowed and this should not be happening. The loan is in my deceased mother 's name and the deed is in my name along with the homeowner insurance. I reached out on XX/XX/2019 to Fay Servicing to get an explanation as to why the insurance hasn't been paid they refused to talk to me because I am not authorized on the account. I have provided my mothers death certificate, proof that I was the executive of the estate, and a copy of the deed in my name but this is not enough. Fay Servicing is forcing me to give my birth certificate and has not provided me a valid or legal reason. 
Fay Servicing in forcing me to pay for an insurance policy that I didn't choose because they refuse to pay the insurance company I already have. 

If it is not paid by XX/XX/2019 my insurance will lapse.