davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I made a direct connection between Navy Federal CU >Navy Fed investment svs >Navy Fed Brokerage > XXXX et al. And so fourth. Based off the evidence that I have found leading to false information to leading me to different directions. This is not at all in good faith to lead a noteholder in misleading information. I am lead to believe there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this. Not only that but to restrict access the securities and equities I have with rights to. J know that theres a certain process to this but with both parties telling absolute lies there can never be remedy without cpbf etc. so I am writing because it is time for CFPB to regulate and help because this can not go unjust. I havent received no dividends payouts for the treasury notes, no certificates of indebtedness past present or current. Navy Federal has taken unlawful money from me from debts that were already discharged. I want all of my treasury notes returned. That alone was an unfair process. CFPB I am here to work with someone on your end to get this resolved.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account XXXX : XXXX  XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2020-01-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2019, I made an attempt to add an external account to my savings account with my banking institution, Synchrony Bank. Several days later, on XX/XX/2019, I received an email that stated that the deposit verification process for adding an external bank to my account failed. Afterwards, I log into my account and realize that my account has now been restricted. I called up the company at ( XXXX ) XXXX asking why my account is now restricted. They explained that for security purposes my account is restricted because of the unsuccessful attempt to verify the deposit of my external bank account. Also, they later explained that my account is under review and that the restriction should be lifted after the investigation in about 60 days. Over 60 days later, I have realized that the external bank account I added contained the incorrect banking information ; the routing number and account number came from one of my paychecks. So, I call up the company again and I explain this to them. The company gave me the same reply from before ; in about 60 days the investigation should be over and your account will be unrestricted. Over 60 days from the original date my account is still restricted.
Consumer complaint received 2023-08-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Upon receiving my credit report, I noticed some accounts that I didn't recognize ; XXXX XXXX XXXX being one of them. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I, the consumer and natural person was denied credit by American Express. When I applied for the American Express Unlimited Credit Card. When I spoke to an agent from American Express I was told because of my credit report. That is in fact discrimination. Also according to the Federal Reserve Act when I filled out the application for an credit card. The notes were giving the only problem is I never received anything from American Express. Also Adverse Action against a consumer is AGAINST THE LAW. According to the Equal Credit Opportunity Act 15USC 1691c and is pursuant to civil liability under 15 USC 1692k American Express is criminal liable for violating 15 USC 1691 as I have proof that I was discriminated against. American Express is in violation of 15 USC 1642, 15 USC 1681m and 12 cfr 1002. Because I'm the consumer made an application in good faith, but credit was not issued. Also my social security card ( credit card ) was used and I received no benefits. This is proof of Fraudulent Activity. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for use of my own credit card I will indeed make American Express criminally liable for actual damages. 
By : XXXX, XXXX agent For : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (AZ)

I applied for an online loan during the week of XXXX. I received contacts from quite a few companies via email, texts or phone calls. On XX/XX/XXXX, I received a call from someone who said they were from Achieve Personal Loans and that I was approved for a {$2500.00} loans. They already had my basic info, name, address, phone number, and email. During the process of the application, I gave them additional info, mobile banking info, SSN, banking password, and a picture of my drivers license. They told me that my credit score was low so for them to extend the loan they would have to send me money, an amount between $ XXXX, I would have to send it back then they could send me the loan amount. It sounds like a scam but I was in a jam and hoping for the best. I even received an email with the Federal Trade Commission on the letterhead, pretty much stating the same thing they told me about them sending me money and i had to return it. They told me the entire process, from application to receiving funds, would be complete on the same day. After XXXX, I didn't hear back from them so I figured I would speak to them the next day. On XX/XX/XXXX, I received a call from my bank, asking if I tried to make a deposit through the mobile app, and I told them no. They said a deposit was attempted but it looked like a scam. Now my account it locked. The bank rep told me I would need to go into s branch to speak to someone about the lock on the account but I told her I no longer live in the state. She said she would talk with her manager and call me back. I tried to call the number that I spoke to the " Achieve '' rep on but no one answered. After thinking about things more, I went back to check the form I received from the FTC and it confirmed it was not legit. I'll just say, read, read, READ!! There were spelling errors and the verbiage was off. The letter was their way of confirming that they have successfully scammed you. I received it after I had already sent the info they were requesting. Feeling crazy now that I know I have been scammed and there's nothing I can do about it.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Midland Funding Llc Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NV)

Destiny Credit card owned by XXXX XXXX  has taken XXXX $ from me on XX/XX/XXXX. They have not applied this balance to payments due and continue to charge me interest and late fees. As of today XX/XX/XXXX my account has a negative balance. They stole my XXXX $ they also report late payments to my credit report when the payment was never late. They just held onto it.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (MD)

Mr. Cooper stated my property taxes went up. When they actually went down. Assessed and Taxed value on XX/XX/XXXX was {$260000.00}. Assessed and Taxed value on XX/XX/XXXX was {$240000.00}. And the phased in amount for XXXX is still lower than the {$260000.00} amount. 

They are staying there is a {$370.00} shortage per year ( 12 months ), which is {$31.00} per month. But they want to charge me an additional {$41.00} per month, which is {$490.00} per year ( 12 months ). My math tells me they are charging me 32 % interest on the {$31.00} to get to the {$41.00} amount per month. Makes ZERO sense as I have not had to pay any interest in the past to cover these yearly payments for my insurance plan and my property taxes. 

They continue to close out my message requests, causing me to have to create a new request. And their site does not allow you to copy and paste information from previous message threads I have created so I am forced to type everything in again. This has all been quite time consuming from my end.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC (NY)

I REQUESTED AN ASSUMPTION! THEY SENT ME AN APPLICATION. I ASKED TO SPEAK WITH SOMEONE AT THE COMPANY AND I HAVE GOTTEN A RUN AROUND FROM THE CALL CENTER. I HAVE COURT ORDER TOO RELEASE THE EX WIFE OFF OF THE LOAN. SHE ABANDONED THE PROPERTY IN XXXX AND THE DIVORCE WAS FINAL IN XXXX. WE TRIED A ASSUMPTION XXXX AND AGAIN THERE IS NO PERSON OF CONTACT. SO THIS PROCESS FAILED. THIS IS THE SECOND TIME WE ARE TRYING AND IT IS COURT ORDERED. WHY CAN YOU NOT SPEAK TO A LOAN OFFICER OR SOMEONE IN CHARGE OF THE LOAN? THE MAILING OF DOCUMENTS BACK AND FORTH IS USING UP VALUABLE TIME!
Consumer complaint received 2020-04-27
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. (NC)

XXXX XXXX XXXX XXXX has confirmed and processed paid in full medical debt and sent over receipt of payment to credit bureaus to have this debt removed. The credit bureaus are reporting a duplication of this debt ( Reporting twice for {$100.00} ) and has still failed to update and remove from report per creditor instructions. The creditor has confirmed this information was sent to the bureaus to update and remove ASAP.
Consumer complaint received 2023-11-28
Product: Credit reporting 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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I received a phone call and had multiple missed calls from a phone call from a XXXX ( XXXX ) XXXX at XXXX | answered when I got the call again around XXXX and spoke to who I thought was a Chase banker reprehenSive who was stating they were calling from Chase fraud department due to non normal activity of XXXX different charges in XXXX, Texas that were trying to be made. I told them that wasn't me that i am not out of town. The person mentioned they were going to close my chase card and mailed me a new debit card and not approve the transactions ( normal banking conversation ) they then called me back to tell me the call was not successful and had to give me a temporary pin code for my new chase card that I could add to XXXXXXXX XXXX within the next 2-3 hours. We hung up and I thought my card was safe and was waiting to receive my funds back from the supposably transactions that were taking place in Texas ...... I had my XXXX boys football games at XXXX & XXXX that same day so l was a little busy with them. After the game we grab some dinner I check my account and noticed all of the withdrawals that had took place. I immediately called the bank at XXXX at XXXX ( XXXX ) XXXX and was concern on these transactions if my card was closed and a new one was on the way. The reprehensive I spoke to said they had no call record of me speaking with anyone carlier and the transactions were done with XXXX XXXX at an atm located at XXXX XXXX XXXX XXXX. I filed a claim with fraud department. Today I went into a Chase branch and spoke with a banker XXXX XXXX located at XXXX XXXX XXXX XXXX she was very helpful called the fraud department and come to find out the bank denied my claim to return my funds due to it being done with XXXX XXXX So they are trying to say it was possibly me. I contacted apple pay and they have no record of me ever adding my debit card to my XXXX XXXXXXXX. I would like the surveillance camera views and the person prosecuted.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX  Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention.

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor.

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously.

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report.

Sincerely, XXXX XXXX XXXX