davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Good Day, On XX/XX/XXXX I initiated an international wire transfer through Navy Federal. The representative who I spoke with incorrectly used the incorrect SWIFT code, a P was added to the code which has since caused undue hardship on my family. The funds should have been delivered on XX/XX/XXXX latest and as of to date no one seems to know where these funds are.

I have repeatedly contacted Navy Federal on the following dates XXXX and today XX/XX/XXXX. No one can give me a valid response other than they are waiting on the receiving bank to respond to their request and return the funds. However, in the meantime I am out of {$6000.00} through no fault of my own. 

On XX/XX/XXXX I received an e-mail from Navy Federal returning the {$25.00} fee that was charged to me for the wire transfer advising me that they are still researching the lost funds. Please keep in mind this is not my error but the error of Navy Federal in sending the funds to the incorrect SWIFT code. For me to be held responsible for their error seems unfair and not ethical. If one of my employees makes an error on an account I am held liable and must make it right for the customer. The loss of {$6000.00} has now placed an undue hardship on my family as my husband is unable to purchase the equipment he needs to complete his job.

I know banks are federally insured and that I have 180 days to dispute my concerns. Again, I do not think it is fair that I am held responsible for something that is not my fault and that is why I am writing to you with my concern in the hopes for a resolution to this problem.

I believe I have given Navy Federal ample time to resolve this matter due to their negligence. It does not matter to me how they resolve issues between banks I just need these funds return to my account. 

Thank you for your time XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

XX/XX/2021. United Wholesale Mortgage ( UWM ) is responsible for paying my taxes and home owners insurance from my escrow account. Although they collected the escrow from my mortgage payments submitted, they never paid my insurance. I received a notification from XXXX XXXX  that my insurance was cancelled due to lack of payment. I notified UWM through their customer portal communication channels and attached the letter of cancellation from the insurance company. I contacted XXXX XXXX Directly and made the payment directly from my checking account. I had to work with the insurance underwriters and sign a waiver that stated during the time I wasn't covered and to the time the insurance was reinstated, I incurred no loss. Thankfully a loss didn't occur during that time the policy had lapse, otherwise I would have not been covered. UWM knew the renewal date for my home owners insurance yet never paid the policy. The renewal date was clearly visible on my Escrow account profile on their website.

Since I had to pay for the insurance out of my own pocket, I contact UWM on XX/XX/XXXX to request a refund of the money they collected through escrow for the insurance they never p [ aid. UWM refused to refund me my money, and several days later, after the insurance was already paid and reinstated on my own, they sent a check to the Insurance company for the coverage that was current at a zero balance. This was a deceptive effort by UWM to conceal the fact that they never paid the insurance. They attempted to cover their mistake by sending XXXX  XXXX a check, long after it was already resolved. XXXX XXXX sent me the money that they received from UWM, yet it took almost a month to get my money back.

Still to this date have not gotten a response from UWM regarding the XX/XX/XXXX communication with the attached cancellation letter from XXXX XXXX. UWM is deceptively trying to conceal the error on their side. 

I requested UWM to remove my portion of the insurance handled by escrow and told them I would manage my insurance myself. They refused and keep quoting PMI rules. This is a VA loan and I have no PMI obligations on this loan. Every time I call UWM I get a different answer from a different representation. Since UWM records call for quality assurance as part of their customer support line, I started recording the calls personally. I have several recorded calls with UWM representatives contradicting each other on the same call.

UWM is consistently mismanaging mortgage loans and banking transactions. Just recently they had a major issue with unauthorized withdraws and deposits into customers bank accounts, causing overdraft fees and other charges to customer accounts. Their mortgage financial solution is poor at best. One of my original complaints was their inability to handle my escrow payments and balance, consistently making corrections because of their financial solution is so poorly designed.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (IN)

I am submitting this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of my credit report dispute by the credit bureaus. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. These are fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ( XXXX XXXX open ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX . I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2024-09-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-04-14
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. (TX)

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Consumer complaint received 2022-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I got into an accident that totaled my car. I have never been late with any of Capital One 's Auto Finance Payments. I paid approximately {$600.00} every month as a car note and was never late. This was my second car note with them and on the first ( where I paid approximately {$500.00} ) I was never late. The account balance after car insurance paid their portion was {$4600.00} and I requested a settlement amount, in which Capital One Auto Finance accepted. I then had to pay {$1800.00} in installments of {$50.00}, which Capital One agreed to automatically draft from my account until XX/XX/XXXX. In XXXX of XXXX, my credit score went down approximately 113 points because my settlement agreement said that I had a charge off, over 3 months late in payment ( I am at a 100 % rate of never being late with any payments ), and in a derogatory status. How can this be if they automatically deduct {$50.00} every month ( the payment arrangement )? I called Capital One Auto Finance Credit Department and they told me it was nothing that they could do about it because although I'm making payments, I am still considered late. I was not told this information in the beginning of the agreement, nor was it written in the contract given to me. If that was the case, I would have paid it off in full a long time ago or from the beginning. I am a homeowner and if I was able to pay down on a loan, rather than dishing out $ XXXX to save money, then I would. I immediately paid off the loan the same day, but my credit has not been the same since. I went from like a XXXX down to a XXXX credit score. This has taken me over 20 years to get to that score and this is unfair. There is nowhere in this written agreement nor the two times that I spoke to representatives on the phone that I had to pay all by XXXX or XXXX of XXXX. I wouldn't let my good credit score down the drain for 7 years over {$1800.00}. 

Please note- The first 2 pages of the attachment is the ONLY written correspondence I received from Capital One Auto Finance XXXX There is nowhere in this document that states anything considered " late or reported to Credit companies as a a 'charge-off or negative ' after a certain period ''. I was deceived. The last page is me settling the account on the same day I seen my credit score drop. I need a serious resolution to this problem. I was deceived, bamboozled, and hoodwinked.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (PA)

SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) has filed a collections against me. I have submitted disputes in XXXX, XXXX, and XXXX regarding this account. It was removed for lack of verification by all three creditor bureaus and sold to another creditor and was again placed back on my credit report. Sequium and charter communications are the same company. I called this afternoon to request a debt validation letter and the two individuals I spoke with where leading the conversation and basically trying to get me to admit I owed this debt without telling what this debt is even for. I never received anything in the mail stating that I owed this debt and I ask them to validate this debt for me and the man on the phone stated that I had to provide all my personal information. The first woman I spoke with found my account with just my name. But they didn't have any other information about me because the types of questions she was asking seem to me like they were gathering it as we spoke. When I did not provide my social security number and address the gentleman hung up the phone. Before he hung up I asked them to send me a debt validation letter and he did not confirm he would. I would like a debt validation letter for this company. If this company can not provide me with this information they must remove this account from my credit report. Please assist me with this dispute.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

For about 4 years {$150.00} had been transferred via allotment on my LES to Bank of America. I called to try to find the account and was told the account doesnt exist yet the routing number is for Bank of America. I have called ever department including XXXX  and havent been able to find the account. Over {$7000.00} is unaccounted for.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-07-08
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: WELLS FARGO & COMPANY (CA)

I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.
Consumer complaint received 2021-07-20
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: CREDIT ACCEPTANCE CORPORATION (NJ)

Dates : XX/XX/2020 Amount : {$510.00} I disputed twice with credit bureaus and they are still reporting false report. I called for them to verified these items. There was no proof that these items where verified.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage company Nationstar ( Also known as Mr. Cooper ) settled with CFPB for around {$91.00} XXXX dollars this past XXXX, 2020 to resolve wrongdoing mortgage complaints against them. To date, I have not received any letters or notifications from them about the settlement even though I have written letters of complaints about them and to them in the past about unexplained and unverified penalties they have placed on my mortgage loan that I am still paying for due to their accusations of non-payment when my loan was serviced by Aurora Loan Services before they went under.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Due to a recent notification that my personal data was involved in a breach, I tried to contact TransUnion to institute a " freeze '' using their online option. All went well until the last part of the registration request, when I got an error message indicating they couldn't complete the request due to " problems '' on their end. 
The " chat '' link didn't work. 
I called the " Website Access '' phone number, and [ after 10 minutes on hold ] spoke with a " rep '' about it, was assured I was being transferred to someone who could effect the completion of the online " freeze '' request. 
NO SUCH LUCK. I was transferred back to the SAME voicemail menu in which I'd started. Another another 10 minutes of holding, got another rep who PROMISED I would be transferred directly to the dept. that could " finish '' the online request [ which is the only way to get a pin # that you can later use online to " unfreeze '' -- if it's done via phone, it can only be undone via phone! ]. 
Result of transfer : SAME MENU. I finally gave up. Guess I'll have to use the sucky phone option, if that even works!
Consumer complaint received 2024-09-19
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 I received a text alert stating we had spent XXXX to a private label cosmetic store. I immediately contacted chase and told them my husband and I did not make this authorization and they started a fraud claim and put the money back in our account while they investigated. They cancelled my husbands debit card which we both still had ours and they sent him out a new one because it was his information that was compromised. We just received a letter on XX/XX/XXXX from chase stating that after investigating they found us reliable for the charges and they would be removing the XXXX from our account once again. I called chase and a customer service representative stated that the address, email, name, card, and IP address were all linked to my husband and the investigation was closed. I still told them that we did not make this purchase and his information must have been compromised online. They told me to file a police report which I also did yesterday XX/XX/XXXX and to contact the merchant directly. They provided me with a website XXXX  but they did not have a number. I went to the website and also found no number to get in contact with somebody. I called back letting them know that I did what they told me and they told me there was nothing else that can be done and we are responsible for the charges. We did not make that purchase and I was prompt with will calling immediately as soon as we seen the charges.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-08-21
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. (AL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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