davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through NavyFederalCU. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that NavyFederal and XXXX provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called NavyFederalCU they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with XXXX and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call NavyFederalCU again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with XXXX XXXX XXXX, and these 75 calls that were unsolicited to a number that was not used in my application with NavyFederal. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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: EQUIFAX, INC. (NV)

I am a victim of identity theft and fraud. I have not opened these accounts and I have not received any goods, money or credit from the alleged corporations. I have sent the credit bureaus an identity theft police report from the FTC, and a notarized identity theft affidavit along with my personal identifying information. According to the FCRA subsection 605b any items dealing with identity theft should be removed in 4 days in which the corporation is past due. I would like the following items blocked/ removed from my consumer report immediately.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

My Social was compromised about 14 years ago to this date I still monitor for suspicious activities, I recently started going for a Home and Noticed several things inaccurate reporting I asked the collectors and pertaining agencies to verify and validate this accounts with contracts signature and other methods, XXXX one of the mayor reporting agencies also failed to provide such methods, resurgent was given 30 days to provide such validation and failed to do so, 60 days later called and asked for my address in order to mail some pointless paperwork asking me for fraud reporting, in addition XXXX another creditor emailed me as accounted deleted but XXXX refuse to accept my email with horrible business model.
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (OR)

I obtained a loan in XXXXXXXX XXXX from NetCredit, at which time I signed a contract for a loan amount of {$8500.00} with an APR of 64.69 %. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( serviced by NetCredit Loan Services, LLC [ NetCredit ] ) advertised a refinance eligibility option, which I discovered does not apply to XXXX  residents. At the time I signed the contract, I was unaware that XXXX has a maximum interest rate of 36 %. Further, there is no record of XXXX XXXX XXXX XXXX XXXX XXXX in the NMLS database ; NetCredit results include addresses in Utah and Illinois. The FDIC database lists XXXXXXXX XXXX XXXX  address as in XXXX The states of XXXX XXXX XXXX, in which XXXX XXXX lists addresses in the contract language, also have maximum interest rates of 36 % ( or refer to " unconscionability '' ), which means that even if they operate under those state 's usury statutes, the 64.69 % interest rate they charged me is illegal. I believe this is a predatory lender offering illegal, extremely high interest loans to people whose circumstances don't allow for lower interest options, and who don't know what the rules are surrounding maximum interest rates and therefore will accept any assistance to alleviate immediate financial difficulties without knowing how or where to go for information about what's normal or allowable. I called NetCredit today to request an interest rate reduction, and the representative told me it was not possible. He mentioned the possibility of refinance, and while I was asking questions and he attempted to answer, he got several details of the contract language wrong, including the term and the interest rate. He apparently also didn't know that I was ineligible for refinance due to my state of residency, and when I told him that was the case, he acknowledged I was right ; I am ineligible. I asked several questions about why my interest rate is so high when the maximum rate in Oregon is 36 %. He couldn't give me an answer, so I asked to elevate the call. He said I can expect a call back within 24-72 hours, but that a supervisor told him there was no way they could reduce my rate. Due to this conversation, I don't expect satisfactory resolution to be offered voluntarily by this company.
Consumer complaint received 2024-02-13
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: AMERICAN EXPRESS COMPANY (OH)

I received a prepaid American Express gift card from my company for a XXXX bonus. It had {$900.00} on it. At first, I was able to use it in most places, however, now it is declined no matter where I use it - both online and in-store. I called the customer service line and they told me that the card is active and working. They also told me to wait XXXX hours before I tried it again. It worked for XXXX additional purchase at an online store, but now it says the card has been declined too many times and won't work. As of XX/XX/year> it says it still has {$360.00} on the card.
Consumer complaint received 2023-08-14
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. (TX)

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

has violated my rights. Or 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 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company (NY)

State bridge co have tried to negotiate but stop at every point asking to speak to debts holder or somone besides XXXXXXXX XXXX but no not updating or f awarding of offer to debts holder a Forclousure date is set for XX/XX/2023 no matter what offer is made XXXX XXXX rejected. After the new mortgage survives have been delt with now another sale date of XX/XX/2023. 
There has been no update to show we made offer and no response to speak to anyone else everything is faword to XXXX XXXX and he told me he dont want to negotiate or resolve the problem
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I am Calling in question the The illegal Collection accounts reporting on my XXXXXXXX XXXX XXXX # XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR 1006.34 Notice for validation of debts. ( i ) ( B ) ( ii ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or ( B ) Within five days of that initial communication ; or ( ii ) By providing the validation information orally in the initial communication. I am requesting all credit collection companies provide the Written or oral documentation that I was given notice of the collections Remember documentation must be 1 ) Clear and conspicuous means readily understandable. In the case of written and electronic disclosures, the location and type size also must be readily noticeable and legible to consumers, although no minimum type size is mandated. In the case of oral disclosures, the disclosures also must be given at a volume and speed sufficient for the consumer to hear and comprehend them. I will also need to see the full debt validation The Copy of the Application for Credit : Kindly provide me with a complete copy of the application for credit associated with the account in question. I need to review this document to ascertain the nature of the alleged debt and verify its authenticity. 2. A Copy of the service or loan Agreement with my signature and Any Amendments : I am entitled to see the full agreement along with any amendments that have been made to it. This information is crucial, as it outlines the terms of the contract and dictates the rights and obligations of both parties involved. 3. Monthly Statements from XXXX Balance to Final Statement : I request copies of all the monthly statements from the time the account had a XXXX balance up to the final statement. This will enable me to review and analyze all changes, payments, credits, and other activities on the account, cross-referencing them with the agreement to ensure the accuracy and correctness of the amount being claimed. 4. The Full Purchase Agreement Between Original Furnisher or Furnisher in Chain : I demand a comprehensive copy of the purchase agreement between the original furnisher or any subsequent furnisher in the chain the purchase agreement should outline legally binding document that parties in a transaction use to stipulate the terms and conditions that will guide the sale and transfer of goods or property This documentation is essential to validate that you have the proper legal capacity and authority to pursue the alleged debt from me. The account And ledger
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (AZ)

on XX/XX/XXXX a dispute in the matter of my credit was sent to Experian being verified. I have attached the documents that was sent to them asking the company how these items were verified and asking for my signature as proof because i have no recognition of these items.
Consumer complaint received 2023-08-14
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. (VA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through XXXX. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that XXXX and XXXX/Equifax provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called XXXX they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with Equifax and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call XXXX again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with Equifax Business Solutions, and these 75 calls that were unsolicited to a number that was not used in my application with XXXX. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc. (IL)

On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call United Collection Bureau as they were handing the account. On XX/XX/XXXX I called United Collection Bureau to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX. I received a verification letter to my email from United Collection Bureau before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that United Credit Bureau was granted the authority to do this and will report it to my creditor, and payment confirmation. OnXX/XX/XXXXwill remain on my credit report as XXXX certified to XXXX the information was accurate and the item was not changed.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, 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. (MD)

My bank ( XXXX XXXX ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX XXXX in 2014, bank is asking letter from that 2014 XXXX XXXX case, i only need bank to report my payments to all 3 credit bureaus. 
My loan was transfered from XXXXXXXX XXXX XXXX to XXXX XXXX more then 2 years ago. 
Thanks
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (WA)

Email received Synchrony is reducing my credit. Not based on 100 % payment but how many cards I have. I did not authorize them to go through and pull my credit for this card. I did ask for extension of credit on a card they closed after it was paid in full. I have never missed a credit card payment. This unfair and hit my credit again. this is not the first time this company has done this. They did this with Lowes, XXXX XXXX ( XXXX ) and damaging my credit I have built. This is unfair and illegal to consider other cards than the one applied for. by the way nice little trick they do not allow a save to the document. So I screen shot it.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (NY)

I have been a XXXX XXXX XXXX customer for more than 21 years on this Mortgage. Selene Finance bought this mortgage from XXXX XXXX XXXXXXXX during XXXX XXXX. I was in forbearance during XXXX with XXXX XXXX XXXX XXXX When Selene finance took over the mortgage they bundled the forberance balance and changed my mortgage payments form {$5500.00} to {$9500.00} form XXXX XXXX. I paid the {$9500.00} until XX/XX/XXXX and I could afford this increase and ask them to lower the payment by extending the terms since only five years is left in the mortgage. They provided the modification option and I diligently send all the documents asked and required via certified mail and fax and received numerous acknowledgement from the representative ( recorded ) that the file is complete and nothing more is needed. They also thanked me for completing the application diligently and indicated I will get an anwser on Friday XX/XX/XXXX. All the documents sent to selene finance were also copied to cfpb. 
I received a letter from Selene Finance today dated XXXX via mail indicating that my modification could not be approved because I did not complete the file. 
I am targeted for foreclousre for retalionation of my previous complaint to cfpb and I have equity in the house for more than XXXX XXXX XXXX 
Please help. 
Thank you XXXX XXXX
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I sent in total {$3000.00} using XXXX via my capital one banking app. I was pretty much scammed out of what I thought were concert tickets. 

On XX/XX/XXXX I sent {$1500.00} to a XXXX XXXX at XXXX. 

On XX/XX/XXXX I sent XXXX more payments to this person. XXXX totaling {$500.00} and the the other for {$1000.00}. 

This person misrepresented XXXX XXXX and his relationship with XXXX XXXX he convinced us he could get us concert tickets for the XXXX XXXX XXXX and it was all a lie. 

I dont trust capital one to handle this investigation accordingly, I have all documents proving my claim. Any and all assistance I can get from you guys would be amazing. I want to get me and my friends money back. 

I also filed a report with the FBI which Ill include in this email and text from the person who claims they arent in on this and didnt know their account was being used to funnel money.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (FL)

I purchased a vehicle from enterprise XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX and it had XXXX miles on it. Its is currently XXXX and the engine have blown out. I had the car towed to XXXX and which they confirmed I needed an engine replacement, due to the air compressor. Ive contacted XXXX they told me its nothing that they can do, due to the fact that my XXXX XXXX XXXX has expired. The warranty limited miles was XXXX, and I went over that by XXXX miles, that was what I was told by a representative at XXXX. I also asked to trade the car in, that request was denied by a representative at XXXX. I havent had this car for a year and Ive had to replace the starter, and now the engine is no good. I feel as if I should be compensated because, as a young adult I have made all of my car note payments on time as well as my insurance payment. Ive never been late on any payment. I do not feel that it is fair to continue to make payments on a car that is not working. What I would like to happen is that either, XXXX should repair this newly obtained vehicle, replace it or refund monies that have been paid and release me from this loan.
Consumer complaint received 2023-08-14
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. (IN)

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted.

from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law.