davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I obtained a conventional mortgage loan from Navy Federal Credit Union ( XXXX ). The loan closed on XX/XX/2018. {$440000.00} at 4.625 % 30 years fixed rate. I paid 1 % loan origination fee and paid XXXX in points to buy-down the rate to 4.625 % from the original 5.125 % rate. 

My complaint relates to the deceptive and misleading manner which XXXX advertises its loan rates and terms on its website. The site advertises multiple loan products and teaser rates which are generally unavailable or available in very limited instances. For example, XXXX advertises 30 year conventional rates with 5 % down payment as low as 4.125 %. That rate may be available, under certain circumstances, for specific loan products. Unless a buyer knows of the limited circumstances which that loan is available, he/she is unlikely to obtain that rate, even if the buyer qualifies for that product. This dynamic creates an unfair burden for the buyer. When I spoke with XXXX, the response was you have the lowest rate. That may be a true statement, but its a misleading statement. XXXX should be more transparent in its disclosure. For example, if XXXX recognizes a buyer may qualify for a lower rate, it should disclose the conditions or loan product ( s ) that may provide the lowest available rate. This approach gives the buyer more information to make a more informative decision. Im disappointed with my loan process with XXXX. The bank may not have committed an illegal act, but its lack of disclosure and transparency is likely intentionally deceptive. Im asking for monetary compensation of {$6500.00} to reimburse me for the discount points I paid under misleading circumstances. XXXX has an obligation to be more transparent with its members. XXXX failed to meet that standard based on how it chooses to advertise its mortgage loan program.
Consumer complaint received 2018-05-08
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. (NY)

EXPERIAN/XXXX/XXXX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX  today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. EXPERIAN/XXXX/XXXX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. EXPERIAN/XXXX/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
Consumer complaint received 2018-06-29
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: Convergent Resources, Inc. (AR)

XXXX XXXX PULLED MY CREDIT ON XX/XX/2018 AND NEVER SENT LEETER OR VALIDATION. CEASE AND DESIST COLLECTION EFFORTS ANS CEASE CONTACT.
Consumer complaint received 2018-06-29
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. (CA)

I have ordered authorized user 's credit card but never received and therefore never activated. All of the sudden I have bunch of charges shown on my statement. I filed the fraud dispute so many times but Chase Bank never took care of this issue. I have been making minimum payment on unauthorized charges to keep my credit history good. This is not fair that I am making payments on some one else 's charges. 
I informed Chase Bank that I never received the credit card for authorized user and how can i activate the card if i don't have it?!!! How can I have charges when I did not activate the credit card. I believe this was an error by Chase Bank and I hope they take care of this matter immediately.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am in direr need of your company 's help. I had a few things on my credit file that I had questions about so I did my due diligence and disputed some things listed incorrectly. I thought everything was resolved until I went to a lender to purchase a home and they tried to pull my credit file and Equifax would not release my information. I contacted Equifax directly to find out why and I was told the information they have was different. They have my date of birth as XX/XX/1946 at one point they had it at XX/XX/1946, They have my name wrong and they have my address wrong. The frustrating part is that when I first started the process Equifax had certain documentation they required before they would do any type of investigation. The documenation they wanted was to prove my identity and my address. I sent them my driver 's license which reflects my correct date of birth, name and address. I also sent them a copy of my utility statement that also has the correct address. I mean really the utility company is the one servicing the address they would have the correct address for service. With that information in Equifax 's possession why wouldn't that information have been corrected? Now it's hindering my ability to make a move and this is absolutely maddening.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a complaint against Bank of America Credit Card Services, and its prevention and fraud department. The reason for this is an excruciating situation for me, because from one day to the next Bank Of America personal profile and credit card 2 credit cards appear that do not belong to me, never open those accounts, never authorize the opening of these cards, I believe that this department did not give me the right treatment, put some cards in my profile without being mine, affecting my personal credit with the 3 credit bureaus and also with the same bank. When I saw in my profile of BOFA, the first thing I did was to communicate with the bank, the response was so disastrous and of little professionalism, well Ms., this investigation can take 90 days, and knowing that these accounts have another name and another surname and SS different, because they are still there in my profile.

These are the numbers of follow-up complaints to my problem : XXXX.
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the following message but they never notified me of any problem : We have successfully sent the following transfer : ********************************************* Confirmation # : XXXX XXXX number : XXXX Amount : {$7900.00} Fee : XXXX Send on Date : XX/XX/2018 Service : International Transfer status : Complete ********************************************* If there is a problem with executing your request, we will notify you both by email and on the Manage Accounts tab. You can always check your transfer status on the Review Transfer screen at www.bankofamerica.com. 

Sincerely, Member Service www.bankofamerica.com
Consumer complaint received 2018-05-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX  XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points.  At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted XXXX  and Transunion and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX  XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Consumer complaint received 2018-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed. 

Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

The account showed up on my credit report. I had no prior knowledge of a debt with any medical group as I have VA Healthcare. I called the original creditor and they said they have no knowledge of me ever having a bill or debt with them. So I then disputed it through XXXX XXXX and it was said to be within standards or something to that effect. I then called the company asking them about the debt and if they would remove it and how I can dispute it. They said a dispute was already submitted. The issue is that this is effecting my credit score and Im currently trying to purchase a vehicle. I have no knowledge of this debt nor did I go into any contract of any kind with this company.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

XXXX XXXX office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. National Credit Systems is  also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX Bless.
Consumer complaint received 2018-06-30
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. (GA)

On XX/XX/2018, I submitted a copy of a police report to Equifax which stated that the information on my credit file was not my information. Equifax is reporting someone else 's CLOSED reports on my file in addition to collection agency that is reporting a fraud account as well. I contacted Equifax HOWEVER they explained that they verified and updated the incorrect information without a thorough investigation.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tower Loan of Mississippi, Inc. (LA)

At approximately XXXX XXXX on Monday, XX/XX/XXXX I came home from lunch ( I work XXXX XXXXXXXX ) and found a white car sitting in my driveway. I had to wait on them to pull out so I could pull in. When I approached the car it was a representative from Tower Loan of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She stated I owed money and needed an arrangement. I told her I had a pending Chapter XXXX filing and we'll be in touch once I get the case number. She unbuckled her seat belt and stated she was going to come in and get my personal property collateral I supposedly gave them. I told her she can't do that and she stated she could because I signed some form. She had no court order or sheriff officer with her, nor have I been served with a lawsuit regarding such debt. I told her to leave my property or I'll call the police. She said she was calling the manager and parked her car on the street blocking my driveway so I could not leave. I had a meeting so I went back to work in my XXXX office. 15 minutes later a blue car pulls up and the gentlemen continuously knocks and rings the doorbell for 19 minutes. He left his card, name was XXXX XXXX. I was unable to call the police due to my work meeting. I felt very threatened and could have easily treated this as an attempted home burglary resulting in a 911 call, which will happen next time regardless of my work schedule. To top it off, the letter she left me stated I had until the XXXX to make arrangements for the alleged past due and they are trying to steal property on the XXXX.
Consumer complaint received 2018-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC (OH)

Brett Borlands office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. XXXX XXXX XXXX is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX XXXX.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was married XX/XX/XXXX, and have contacted the three credit card beauro 's to update information on my credit that was either outdated up not correct spring of XXXX. 

The three credit reports came from TransUnion, XXXX Currently I am trying to purchase a home, and the lender has stated, that all three companies have my name still incorrect, in many variations. 

Each credit company has told me that they could not update my name until lenders or credit card companies send in information of the updated name, because that is where the name changes come from. One has stated they can put my name as AKA but also keep all the other names on file. 

My problem is I have notified these companies months ago about the updated information, the mortgage lender will not approve my home loan without the information updated to show my legal new name despite the fact that the previous names were the names used for credit and they have a marriage license to prove so. 

I need this information updated asap. The banks had my updated information since early this year, and the social security office as well the passport office. All my government official documents have been updated, and the credit beauros are causing my loan to possibly be denied because they have not correctly updated my information even though I have joint accounts with the new last name, banks with the new last name. 
Thank you
Consumer complaint received 2018-06-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I wrote a letter to Experian expressing that I noticed a charged off account ( account # XXXX from XXXX XXXX XXXX ) on my credit report for the amount of {$1800.00} and that I would like for them to validate the debt and provide proof that I owe such a debt with a contract bearing my signature. They responded with a letter on XX/XX/2018 saying the debt was validated with the company and refer to my personal credit report I received for the name and address and phone number of the credit grantor who verified the information. Prior to writing Experian I disputed this issue numerous times with the company who reported this and asked them for this same information and they sent an itemized bill exposing my personal health information but never stating the procedure utilized to obtain my personal health information and how I owed them. I wrote them another certified letter on XX/XX/2018 stating that the procedure they used is requested and that I wanted to see a contractual agreement bearing my signature showing I owed XXXX XXXX XXXX. They responded on XX/XX/2018 but with none of the requested information. If the company or credit bureau can't show proof that I owe them a debt then this account should be deleted
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOVERY IS REPORTING TO THE CREDIT BUREAUS THAT I OWE A DEBT OF {$290.00} FOR AN ACCOUNT OPENED XX/XX/2012 WITH AN ACCOUNT NUMBER ENDING IN XXXX. I HAVE WRITTEN THEM A LETTER ADVISING THEM THAT THEY NEED TO STOP REPORTING INCORRECT INFO UNLESS THEY CAN PROVIDE ME WITH PROOF THAT THE DEBT IS MINE AND THIS IS WHAT THEY SENT ME. WHICH DOESN'T PROVE ANYTHING AND THEY REFUSE TO STOP REPORTING INCORRECT INFO.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (FL)

On XX/XX/year>, Netspend sent an ambiguous email about a problem with the account. I attempted to reach Netspend for several days, in which hold times would exceed 2+ hours and nobody would answer the phone. Moreover, the two times calls were actually answered, the agents taking the calls appeared to be non-US citizens located outside of the United States. The customer service was abysmal, and I was spoken to with disrespect, and had both calls disconnected twice. 

Netspend representatives claims that I needed to send them a valid I.D for account authentication, and then the account would be immediately unblocked. Once Netspend received the above captioned information, the company began to request a slew of invasive documentation. Netspend has refused to disclose any further information, and responding agents continue to submit lies and other misleading information. 

Finally, I alerted Netspend that I would compel arbitration if the company did not resolve the issues and, as a result, Netspend took retaliation in the form of sending additional emails with further restrictions on the account.
Consumer complaint received 2018-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

When l checked my XXXX  and XXXX Reports, l noticed that on XX/XX/2017 an unknown inquiry was made by CAPITAL ONE which l have no idea about it at all.