davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

This entire almost XXXX  months of this year MOHELA has gone back and forth on my account being on forbearance or not due to the ongoing litigation with the SAVE repayment plan. On XX/XX/XXXX I received an email from MOHELA letting me know that my account had, for the XXXX time this year, been put on forbearance. On XX/XX/XXXX I received a notification from U.S. Department of Education letting me know that the on-ramp protections would end on XX/XX/year>. On XX/XX/XXXX I received a notification from XXXX credit monitoring letting me know that something had changed in my credit report. When I checked the report my credit had dropped significantly due to MOHELA having reported an overdue balance to the credit union. The U.S. Department of Education clearly states that if you have applied for the SAVE your account is in forbearance. The XXXX Department of Education also has clearly indicated that the on-ramp protections were in effect thru XX/XX/year>. My credit has been significantly damaged due to MOHELA 's reporting and is affecting the flexibility I had. This level of incompetence and disregard for the financial well-being of others and clear disregard of the rules set by the U.S. Department of Education makes MOHELA an incomptent loan servicer.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Capital Good Fund (TX)

Dear Sir or Madam : I am writing to dispute a fraudulent account. I am a victim of identity theft, and I did open this account. I didnt give anyone permission to open this account using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

My name is XXXX XXXX, and I hold an account with Navy Federal Credit Union. I am writing to bring to your attention a series of unauthorized transactions and subsequent issues with my account access that occurred between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I noticed the first unauthorized transaction on my account. I immediately contacted Navy Federal Credit Union, and they issued a new card, which was sent to my address. Despite this, on XX/XX/XXXX, I detected further unauthorized activity. I again promptly notified Navy Federal Credit Union, and on XX/XX/XXXX, they informed me that my account had been compromised. Consequently, they closed my original account, issued a new account number, and guided me through changing my online access username and password. 
Unfortunately, on XX/XX/XXXX, my password was unknowingly reset, and on XX/XX/XXXX, additional unauthorized charges were made. I reported these charges and filed a dispute. On XX/XX/XXXX, I contacted Navy Federal again due to continued suspicious activity. The following day, XX/XX/XXXX, I was denied access to the funds in my account. 
On XX/XX/XXXX, at XXXX, I received an email stating that Navy Federal withdrew {$1500.00} from my account. At XXXX the same day, another email indicated that my claims filed on XX/XX/XXXX, had been resolved. I contacted the Navy Federal Credit Union fraud department to request the documentation used to make this decision, but to date, I have not received any response. 
When I inquired about the withdrawal, I was informed it was to cover transactions from the account closed due to fraudulent activity on XX/XX/XXXX. Despite my efforts to seek clarification, including a 40-minute call with the fraud department, the issue remains unresolved. 
On XX/XX/XXXX, my computer was disabled by XXXX due to spyware infection, which compromised several passwords and personal data. I promptly informed Navy Federal about this breach, yet access to my funds was still denied.

The only deposits into my Navy Federal account are my monthly VA XXXX and XXXX XXXX ( XXXX ) payments, which are protected under Title 38 of the Code of Federal Regulations ( CFR ), specifically 38 CFR 13.140. This regulation states that financial institutions can not restrict access to these funds. On XX/XX/XXXX, at XXXX, I received an email stating Navy Federal withdrew an additional {$1600.00} from my account, marking the second unauthorized withdrawal.

My last bank statement indicates a balance of {$1300.00}, yet Navy Federal still refuses to grant me access to my funds. According to 38 U.S. Code 5301 and 31 CFR 212.3, VA benefits are protected against assignment, XXXX, or XXXX, including by financial institutions. These regulations mandate that once deposited, these benefits can not be garnished or restricted. 
As of today, XX/XX/XXXX, Navy Federal Credit Union continues to deny me access to my funds.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank of America - auto loan- this was flagged by them as fraud and reported to the 3 credit bureaus. 
XXXXXXXX XXXX XXXX this was flagged by them as fraud and I was told to report it the bureaus XXXX XXXX- said they did not receive the inquiry or application but it is showing on my credit report by all 3 bureaus. 
XXXX XXXX flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year>XXXX XXXX XXXX called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX XXXX  XXXX XXXX - a new credit card was opened in the amount of {$35000.00}. I called XXXX immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account
Consumer complaint received 2024-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditors Bureau Associates (GA)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-30
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: LEXISNEXIS (WA)

Dear CFPB, I am writing to formally lodge a complaint against LexisNexis for their repeated failure to provide me with my Consumer Credit Report. Despite multiple attempts to obtain my report through their designated online portal, I have been unable to receive the requested information. 

Here are the details of my issue : I visited the LexisNexis consumer portal at the following URL : https : //consumer.risk.lexisnexis.com. 
I filled out the online form to request my Consumer Credit Report.

Instead of receiving my report, I received a letter stating " Unable to process request '' with the reason being " unable to authenticate your identity. '' The letter advised me to visit the same URL and submit another request, which I did.

This process has resulted in a continuous loop where I submit a request, receive a letter stating my request can not be processed, and am directed to submit another request.

This cycle has made it impossible for me to obtain my Consumer Credit Report. I believe LexisNexis may be deliberately creating unnecessary friction to avoid providing the requested information. 

I request the CFPB to take the following actions : Require LexisNexis to provide me with a copy of my Consumer Credit Report, including all information they have on file about me.

Investigate whether LexisNexis is intentionally refusing to provide consumer reports by using reasons such as " unable to authenticate identity '' without offering detailed steps to resolve the issue, thereby creating a dead loop for consumers. 

Below is my personal information for your reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, WA XXXX Consumer Number : XXXX Case Number : XXXX I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is not possible to freeze and unfreeze my TransUnion credit report online or over the phone when live customer service is not available. To freeze and unfreeze my TransUnion credit report I have to call customer service and always speak with a live agent. They advertise easy freeze and unfreeze online, but it is a total lie. 
I drove XXXX miles today to purchase a vehicle and unfortunately the dealership was unable to check my credit report. I tried endless times to unfreeze online and over the phone without any luck.
Consumer complaint received 2024-09-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (TX)

I have some XXXX  giftcards and I wanted to use them. They should be good until XXXX/XXXX/24. And I was trying to use them on XX/XX/year>24. However I got a message that my cards have been expired. I talked to their customer service and requested them to charge a fee and renew my cards atleast for one day as my cards were eligible. But she didn't help at all. I told her that I was out of country and my kids got sick over there so I couldn't use them. My card details are as below. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes : 1 ) A personal credit card account opened at XXXX XXXX on XXXX under Account # XXXX : XXXX ) A personal credit card account opened at XXXX XXXX on XX/XX/year> under Account # XXXX ; These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report maintained by your agency, showing the aforementioned fraudulent items. 

I do not recognize the accounts, collections, or hard inquiries as reported. None of the accounts, collections, or hard inquiries appearing on my consumer credit report were opened, made, or initiated by me. All of these are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint ( private case number ) as proof from the U.S. Federal Trade Commission that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When attempting to access annualcreditreport.com, I was having complications with receiving a copy of my XXXX credit report. After being able to log in, I was directed to a blank page, instead of the actual report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (NH)

I have 3 bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.
Consumer complaint received 2017-11-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TCF NATIONAL BANK (CA)

My husband and I receive numerous, repeated phone calls from XXXX XXXX, the service provider/lender of our car loan. We get phone calls from lines in Maryland, XXXX and XXXX California, with the company 's debt staff repeatedly leaving messages stating that they will " escalate our file '', that we are being moved to a Tier 2 trouble situation, that we should take out payday loans or borrow money from friends/family to make our payments, that if we do n't pay now, they will require two car payments in one lump sum, etc. ( Quick backstory : We both lost our jobs in XXXX XXXX and have struggled to make ends meet since then. ) We repeatedly tell them that we will not take out payday loans or borrow from people we know to make the car payment. This morning alone, I have received XXXX - XXXX - phone calls in rapid succession from XXXX ; one from XXXX ; and yesterday, from XXXX, XXXX. XXXX XXXX also calls from XXXX, XXXX, and XXXX.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been greatly affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC (IN)

In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is XXXX
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, XXXX XXXX
Consumer complaint received 2017-11-29
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: EQUIFAX, INC. (NC)

Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.
Consumer complaint received 2017-11-29
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. (FL)

XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

Repeated ROBO calls over almost a year to collect a debt. Unable to speak to anyone about the debt. Wrote a letter twice, returned twice, address in not accurate. I do n't owe anyone any debt. At one time a physical therapy business did n't credit my ( and my husbands ) accounts appropriately and I may have been sent to collections in error. I resolved this issue with the PT business directly and actually had a credit balance. I do n't know how to contact debt collector to ask for written information regarding this " debt ''. I 'm afraid to be bullied or make things worse if I speak to them in person. I 've never had outstanding debts, my credit score is usually around 800. The collector is Transworld Systems.
Consumer complaint received 2024-09-25
Product: Credit 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: JPMORGAN CHASE & CO. (VT)

See attachments regarding a hotel reservation made through a 3rd party provider who says I did not cancel a reservation, when in fact I did. Chase Card Member Services is declining my claim, saying that it is valid, when it is not.
Consumer complaint received 2017-11-29
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. (GA)

I am a victim of identity theft. I have filed a complaint with the Federal Trade Commission because someone open unauthorized accounts in my name. I have tried several times to correct this erroneous information on my credit reports but to no avail.