davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

After trying to reach a resolution with Navy Federal Credit union, it seems that in their previous response no answer was given on the steps being taken to remove these accounts from my name and the identity theft that has occurred. Previously i tried to notify Navy Federal Credit Union, that i have not ever applied for Membership with their Credit Union. I did not apply for any credit cards, and i have not applied for a checking or savings account. These accounts were opened as a result of Identity theft. I will attach the FTC Report. Navy Federal isn't taking any steps to resolve this issue and as a matter of fact they think its more or less a joke. I do not find Identity Theft a joke and do not find it funny. I even notified them by letter that i was a victim of ID theft and that i believed accounts were opened in my name. Additionally i did not allow permission for anyone to add me as an authorized user on any card this is also fraudulent. I notified their credit union promptly. Nothing has been resolved and they are showing two charged off cards and one card on my credit report as an authorized user. I did not use these cards to benefit. I did not apply for these credit cards or membership this occurred online. I did not give authorization for these credit cards. I want this resolved. You already attempted to send the Police department to my home for Elder abuse? This again is harassment first of all, the cop was stunned to learn that the person you said i was alleged abusing doesn't even live in my home. I advised the police officer that, and also advised Navy Federal has caused harassment to me and my entire family. This is the third case of Elder abuse they attempted to turn me in for, and lost every single time. Stop trying to harass me and my family. Remove the fraudulent accounts from my name and my liability. I do not care who your director of security " XXXX '' is and i do not care he used to be a police officer as he stated to my mother, and once again threatened her to visit her home. Then advised her he will turn me and my mother in for Elder Abuse. He attempted to do so and had the police department come to my home on false accusations. Again this is harassment. You can't send police to my home when you have no applicable cause. I want the CFPB to look into the way Navy Federal is treating people, especially victims of Fraud they treat them like dirt and harass them, threaten them and even go as far as to show up to your home. This is scary and you should not have to feel threatened from a Financial Institution.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Attempted to withdraw XXXX dollars from ATM. Money never came out and message came up that they had a hard time retrieving money and the transaction would be cancelled. And was told the transaction reversed and would be credited. Was never credited. When calling Bank of America half of them said it was cancelled half said it wasnt cancelled. No credit issued as of yet
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By Certified Letter Return Receipt dated XX/XX/XXXX, I disputed these inaccurate entries on my TransUnion credit report : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX  and this authorized inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This letter included my name, address, last 4 digits of my Social Security Number, a copy of the relevant pages of my TransUnion credit report and other documentation ( see below ). 

The letter and its enclosures are attached, along with return receipt for same. 

The enclosures demonstrate that neither the XXXX XXXX entry or the XXXX entry are accurate ; in the case of XXXX, I sent them a letter directly on XX/XX/XXXX, to the address listed on my credit report, asking them to verify the entry. They received this letter on XX/XX/XXXX and did not respond. Both the letter and return receipt are attached to the XX/XX/XXXX TransUnion letter enclosed with this complaint. 

On XX/XX/XXXX, TransUnion responded to my letter indicating that the XXXX entry was verified as belonging to me, disregarding my documentation. 

No response was received regarding the other two disputed tradelines. 

These are clear violations of my rights under the FCRA.
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Receivable Solutions (TX)

I was a member of XXXX XXXX for a few years, in XX/XX/XXXX I had to cancel my credit card due to fraud. My XXXX XXXX fee was autocredited, they had contacted me and we worked this out. I cancelled my membership in late XX/XX/XXXX and had not heard anything from them in writing, by phone and email. All of the sudden in XX/XX/XXXX I am getting emails from XXXX XXXX of Professional Receival Solutions, then he also contacted my father. I called him and he continued to give me personal information that he should not know but told me he has " skip tracing '' and this is how they found my father and personal information about me. I asked him to give me the information XXXX XXXX sent them and he would not, he also told me that if I contacted XXXX XXXX they would not speak to me. Then I received an email from him with threats. I am very upset about this situation as I handled this issue and never heard another word and now 3 years later he is threatening me and telling me to find information from 3 years ago? I would at least expect to see the information from the debt collector showing I did not take care of my responsibility.
Consumer complaint received 2018-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

XXXX XXXX XXXX many emails and as you see they stopped responding. 

I CANT WITHDRAW.I HAVE TRIED ON 4 OCCASIONS AND THEY SEND ME THE SAME MSG. COINBASE FORCES ME TO UPLOAD AN ID, ( WHICH I CANT DO BECAUSE MY ACCOUNT IS CLOSED KEEP THAT IMPORTANT FACT IN MIND. ) SO HOW AM I SUPPOSED TO GET MY FUNDS. IM TRAPPED IN THAT LOOP????????????????????????????????????? THEY SAY I CAN WITHDRAW BUT I CANT WITHOUT AN ID ON FILE. SOOOOOOO????. IVE BEEN TRYING TO EXPLAIN THIS FOR 3 WEEKS BUT THEY WONT LISTEN. I DONT NEED DETAILS ABOUT THE CLOSURE I DONT CARE. WHAT I WANT IS TO KNOW IS HOW IM SUPPOSED TO WITHDRAW MY COIN IF IM TRAPPED IN A LOOP TELLING ME I HAVE TO UPLOAD AN ID ( WHICH I CANT DO BEING LOCKED OUT ) I DONT WANT TO AN EXPLANATION.I JUST WANT MY COIN. THIS SEEMS LIKE A VERY VERY FLAWED PRACTICE THAT NEEDS TO BE FIXED.
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Sir, It has been communicated to Trans Union that my Name to be mentioned correctly as per the social, DOB and various identification, there is no dot or punctuation marks in the names, and respective credit bureaus responded me back with written response that name is printed correctly. Trans Union did not address this concern, which was raised in my complaint and also communicated to trans union multiple times. I also ran the credit report on XX/XX/XXXX and still appearing the dot/punctuation mark after my middle initial, which needs to be corrected to avoid fraudulent activities and identification theft issues. Could you kindly direct TU to remove the false address with wrong street and apartment number in the credit report generated on XX/XX/XXXX. I sincerely request Consumer Finance Bureau to refer complaint to federal officer as TU has kept on reporting false details in my report even though Consumer Finance Bureau directed Trans Union to correct my personal details [ Attached the report generated on XX/XX/XXXX ].
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

I received a alert from XXXX XXXX that my credit was ran at XXXX XXXX XXXX. I called the company and informed them my SSN was used and I did not use it. I realized during conversation that my SSN was obtained during the XXXX breach. XXXX XXXX Wanted me to send in a letter of dispute to get inquire removed from my account. I send information a week later during XX/XX/2017, this item remains on my account and affecting credit rating.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NV)

Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above. 

Thank you, XXXX XXXX
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

XX/XX/2018 I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( Redacted ) RE : Account # ( Redacted ) Dear Sir or Madame, I received your correspondence based on the fictitious request to pay a debt that has not been established. As I shared with your representative on multiple occasions I do not owe this debt. You sent me a ledger which is controlled by local office representatives at Residences of XXXX XXXX.Please send me a copy of an executed lease that states there is an " automatic '' charge to replace the carpet simply because there was a pet living there. 

There was a walk-through performed with maintenance the day before I moved out and due to it being a Sunday I made arrangements to leave the keys in the apartment on the air vent next to the sliding glass doors. Maintenance stated that there is no carpet damage and therefore would sign off on the condition of the apartment which had minimal customary wear and tear. 

So the long and short of this is not a ledger from the property management but a bill from the provider of the cleaning/replacement service with my former address including apartment number during the time frame within 30-days of my exit. 

If you do not provide me evidence that a neutral third-party provider billed for damages to XXXX XXXX XXXX XXXX ( Redacted ) on a valid date then I am insisting that you no longer contact me about this bill and I also will give notice to you that you have 30-days to respond or remove this debt from my credit report. 

I will be seeking the following options against you as the representative on behalf of Residences of XXXX XXXX to include : *Filing a complaint with the Consumer Financial Protection Bureau *File a complaint with the State of Illinois ' Attorney General *File a complaint with the Better Business Bureau *File a civil suit in state court for damages of up to {$1000.00} I appreciate you expedited response to this request and I am sending you back your correspondence as it lacks no breakdown of charges. 

Respectfully yours, ( redacted )
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX, Transunion ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Recovery Management (TN)

The account was open in XX/XX/XXXX it was closed XX/XX/XXXX. I never received any notice of it still being opened and or that I owed money. I check my report weekly. And it just hit my report about a month ago and it states that it hit XX/XX/XXXX. I have tried to call and figure this out but they say they're only legally obligated to report it so many days after they receive it in collections. I've kept a close eye on my credit because I'm currently trying to get back on my feet due to unexpected events this last year now. Please help me. It's not that I even mind paying the debt if it's accurate. I wouldn't have minded if I ever received notice. But it's been over a year! How can they do this to me now?
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (ID)

The " do not advance due date '' tab on there website doesn't work. All of my loans had been paid ahead to XX/XX/XXXX. I called in XX/XX/XXXX and asked that only my loan G have the due date be moved to XX/XX/XXXX. I was told by the agent it would be changed and he noted the account. I told him not to move any of the other loans due dates at all or dont move any loans due dates.They moved all of my loans due date to XX/XX/XXXX. I feel like they do not want me to pay off my loan with High interest rates and do everything they can to pay off the lower loan first. I have been fighting with them for the past few months trying to find a away to pay more on the loan G with a 6.5 % rate. With is the highest amount loan and the highest due date.
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp. (OH)

S enex Services replied to your company with false information. Validation was not performed. They never produced anything with a signature by me nor a contract! In fact they violated my HIPpa rights and I demand that they remove this from ALL CREFIT REPORTING AGENCIES. I PROVIDED WHAT THEY SENT AND NOWHERE IS MY SIGNATURE OR ANYTHING THAT VALIDATES THIS DEBT
Consumer complaint received 2018-05-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Cherrington Firm PLLC (UT)

I got a call from the Cherrington firm in XXXX Utah and with out confirming they had the correct person the representative named XXXX provided the account details and amounts owed with out trying to make sure they had the correct person I do not have any documentation but I can get it and I do have a number which is XXXX
Consumer complaint received 2024-10-11
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

In XX/XX/2017 American Express Advertised to me, a new XXXX credit card that offered XXXX XXXX miles as a signup bonus ( after spending up to a certain amount ). The terms stated that someone who'd already had this card was ineligible to receive the sign up bonus. I could not remember if I'd had this card before, so i contacted Amex to ask them. The representative I chatted with asked me to wait while he checked all my accounts. He came back and told me that I'd not had the card, and confirmed that I was eligible for the sign up bonus. With this information, I decided to apply for the card. If I had found out I was not eligible to receive the bonus, I obviously would *not* have applied for the card. 

I applied for the card and reached the spending threshold but my miles never arrived. I reached out to Amex and eventually found out that I didn't receive the miles because I did have that card years before. I explained to them that I'd specifically asked them if I'd had the card, and if I was eligible for the bonus, and the answer given said specifically that I WAS eligible. They were not willing to understand that they should still award the miles, or that it would be unethical to punish me because THEY gave me false information. They claimed to launch a " back end '' investigation, and every time I checked in there was no information. They told me the max time would be 8 weeks. However, 9 weeks after opening the investigation, when I contacted the rep still had no information ... and depsite me saying over and over that I had a screenshot of the chat with the Amex rep, no one at amex would even let me show them. 

They should be required to deliver the miles they owe, and not be permitted to trick me into applying for their credit cards. Their customer service issues are also almost unimaginable ... but that's probably not within the scope of the CFPB.
Consumer complaint received 2018-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I had a transaction posted to my account on XX/XX/XXXX for {$11.00} and a second posted for {$22.00}. I was charged and overdraft fee for both transactions although there was enough funds for the first transaction. When I called Chased the rep stated, that because it was pending they posted the second transaction first. They refused to reverse the overdraft fee. 
I made another another transaction on XX/XX/XXXX for {$20.00} and {$21.00}. At XXXX on XX/XX/XXXX I made a deposit so I wouldn't be overdraft the next day ; but I woke up to notifications from Chase for two overdraft fees. I called them, and I was told that I had until XXXX to make the deposit. What's the point of this overdraft fee if you can't go until XXXX? It was never like this before. I have used their overdraft numerous times and I was not charged an overdraft fee. Now my account is still overdrawn
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My first time home owners loan was denied, on the premis of already having a loan. my credit report shows that i opened a first time housing loan in XX/XX/1995. The loan is with Bank of america, N.A XXXX in the amount of XXXX . I was XXXX years old at the time and beilieve the information was added to my account in error.
Consumer complaint received 2018-06-03
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. (CA)

XXXX XXXX XXXX reported that between XX/XX/XXXX and XX/XX/XXXX I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/XXXX and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to TransUnion that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.