davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NC)

I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

Navy Federal Credit Union : Navy Federal is reporting an account that I did not open. I have never had any financial relationship with Navy Federal, and I suspect identity theft in this case. 

XXXX XXXX XXXX XXXX XXXX XXXXs listing a credit account with late payments under my name. I did not apply for any accounts with XXXX XXXX, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (TX)

My direct deposit has not posted. I have two deposits, one for {$1900.00} and the other in my spouses name for {$1200.00} which are not available. The deposits were suppose to be settled on XX/XX/2018. Netspend, in partnership with XXXX, is holding my funds. I've supplied both companies with the tracer number to track the transfer and they will not give me a confirmed date on when my funds will be available in my account. They stated that the federal reserve did not send a file which is causing a delay in the transfer. Furthermore, I am aware that this is currently effecting a large number of Netspend customer 's. They are blaming the problem on a technical glitch with no ETA.
Consumer complaint received 2023-05-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from  XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had multiple fraudulent transactions on one of. my two Capital One accounts. I requested in XXXX that they close this account and to please send a debit card for my second account as I wished to start using that one more regularly. Five months later ( this week ) I finally received a debit card in the mail for the wrong account which they are refusing to close even though it has been compromised. They also restricted my account in good standing. Please help me
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (FL)

The Following Companies are not following Rules as stated below. The following Companies are reporting information in my credit report : 2 ) XXXX XXXX XXXX ACCOUNT # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX - Communication in connection with debt collection If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2017-01-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (AZ)

I am a XXXX year old grandma. In XXXX I was accepted for a XXXX loan which they said I could pay back in 2 years. My husband is XXXX with no medical insurance. I needed to get him some help. We are already XXXX in debt to medical with one income. I was desperate for my husband to at least get some medicine and he is also XXXX. I was led to believe that I would pay XXXX a month for 2 years. That was a lot but I could scrape it up because my I needed this loan for my husband. Come to find out it was XXXX a month which meant after 2 years on a XXXX loan I would pay back XXXX plus back. I could not do this. That is 220 percent and the loan did not say oay day loan because I would of know not to do this. I have no where to turn. Everyone I talked to asked if this percentage is legal. I did not know but we can not pay this back at this obscene rate. It is called Q credit and is funded by Rosebud XXXX XXXX XXXX. I guess this is all my fault but I never dreamed this loan would of caused me so much XXXX. On top of the critical condition of my husband and finances I am at a loss. I guess I am just an ignorant old lady. The offere came in the mail and I was desperate. I was told to call the Attorney Generals office and then Channel XXXX where they help people like me. I hope this company does not hurt anyone else. I made them stop charging my account at least as far as I know. I am really scared. I do not know what to do or where to go. I took the loan out for XXXX and paid XXXX. Now my balance is XXXX. When I talked to them about it they said " Well sure that is the interest ''. I told them I could not do this. They will be contacting me soon and I do not know what to do. My name is XXXX XXXX. I live in XXXX Arizona. My email is XXXXXXXXXXXX and my number is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX for assisted living. I just needed someone to know so that no one else gets hurt by this company. I heard that XXXX on your side could maybe help to. Thank you for your time. XXXX XXXX
Consumer complaint received 2023-05-19
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. (PA)

So, I have asked for method of verification on this XXXX account XXXX and still have not received anything. How can an account that you both are reporting come back as verified and accurate, have two different last active dates? Please help me understand how you verified this account and provide me the payment history. Delete this account as it belongs to my son. it also reports inaccurate after confirming it's been verified as accurate.
Consumer complaint received 2023-05-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, XXXX Bank of America represented to me through the single point of contact that mortgage assistance and mortgage modification has been denied on appeal. On XXXX XXXX, XXXX the Appeals Department granted mortgage modification assistance through a mortgage modification program. On XXXX XXXX, XXXX the single point of contact represented to me - again, mortgage assistance and mortgage modification has been denied on appeal. The single the single point of contact continued to make this representation to me multiple times since then and to date. Additionally, I have never been provided any written determination on appeal by an Appeals Specialist of the Appals Department. Just to be clear, the single point of contact does not make determinations on appeal. 

Bank of America has intentionally, negligently, and fraudulently made material misrepresentations related to a mortgage or Deed of Trust as well as lie by omission ( withholding ) of material facts as to the true status of a mortgage or Deed of Trust and the loss mitigation process. 

An assessor 's parcel number, or APN, is a number assigned to parcels of real property by the tax assessor of a particular jurisdiction for purposes of identification, record-keeping, and ownership. To date, Bank of America has not associated and recorded any real estate document with my private property and home. 

After a new review of Bank of America issued documents, it appears that upon confirmation of receipt of both of my requests for mortgage assistance ( RMAs ) of XXXX XXXX and XXXX XXXX, Bank of America has done everything to separate me from my home rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( NMS ). Bank of America continues to correct errors made known to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Consumer complaint received 2017-01-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation (MA)

On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.
Consumer complaint received 2015-08-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (MD)

In your reply you state that " Resurgent received the electronic dispute that you submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus. " What your response does not state is how the account was deleted unanimously by all XXXX credit reporting bureaus and as such any continued collections based inquiries are activities in direct violation of the Fair Credit Reporting Act coupled with additional violations and infractions against Fair Debt Collection practices act. If I am receipt of any additional information from your company in relations to the above, I will then be faced with recourse with the strength of the final dispositions adjudicated by the credit bureaus coupled with filing whatever appropriation actions necessary in a court of law up to and including seeking legal remedies that would help to shape the other matters of violation beyond simple debt collection. 

Fact is the credit reporting bureaus in their wisdom have spoken and as such this does not preclude me from seeking the remedies afforded me in due process of administering and protecting my rights under the law. I will consider this matter and grievance with LVNV a closed matter for now ; that is unless there is recent of additional correspondence in response to this matter as if it does continue, then I will move to seek other " additional remedies '' afforded to me in the eyes of the law and swiftly seek to resolve this matter. 
Signed, XXXX XXXX
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Bank of America credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled " collection '' account on credit reports that I have obtained. However, Bank of America is not reporting a " Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Bank of America report this date.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (IL)

Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (LA)

I recently discovered that fraudulent accounts were opened in my name, and now I'm facing significant challenges in opening a legitimate bank account. Despite my efforts to rectify the situation, the unauthorized accounts have created a confusing and frustrating roadblock. I've contacted various banks, but they all seem to reference these fraudulent activities, leaving me feeling helpless and anxious about my financial future. Its disheartening to know that someone misused my identity, and now Im left dealing with the consequences while trying to regain control over my finances.
Consumer complaint received 2015-08-17
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (FL)

Received a phone call and the lady ended up leaving a voicemail since I was working at the time. In the voice mail she identified herself and then immediately said she was from Navient. This was the first violation of fair debt collection practices act as I did n't request her to identify her employer, section XXXX item 1 ) ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. She then goes on to say she 's trying to get in contact with my cousin or uncle, so this is their debt not mine. She then ask me to pass along a message to either one of them that Navient is trying to reach them. Not only is this harassing and abusive to ask me and my other family members to pass along a message but it is in clear violation of the fair debt collection act. In particular it is a violation of section XXXX item b " COMMUNICATION WITH THIRD PARTIES. Except as provided in section XXXX, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' By asking me to pass along a message they are communicating with me in the collection of the debt. 

Further as this was in a voicemail that was left and not during a conversation it leads me to believe that the message left was a script supplied to the lady that called from her employer Navient. Being that Navient is a large supplier of loans one would assume that they are in full knowledge of their violation and chose to ignore the Fair Debt Collections act
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (TX)

My notes show I am at end of paying them off. I requested docs on existing balance, agreement so I'd have enough to information to close account with amount. They never sent it. Not in email or mail. I requested they stop paypent until they can show me anything on charges and balance. They refused to cancel auto draft saying I was legally obligated to pay. And my almost paid account is over XXXX in a few days. Had to cancel my entire bank account because they are still going to withdraw. Regardless. I sent priority mail stating I don't honor auto agreement because they didn't send reqsted any thing. My personal records i totaled give me est of what's left and I had to close bank XXXX change bank accounteverything. Close what they think I still owe and leave me alone
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (GA)

I filed bankruptcy on XXXX/XXXX/15 all while I was in bankruptcy I made all payments like normal and I also signed an affirmation to affirm on my mortgage so that I could keep my house. well recently here went to go shop for and automobile found out that my score was really low. got home that afternoon and check my credit report and found that my mortgage co. Pacific union financial has not been reporting my payments on my credit report. which has dropped score. I have made all my payments on time. and now its time for another payment, I 'm thinking twice about making payments until they correct this error on my bureau. and Pryor to filing bankruptcy I refinanced my loan with the same company, Pacific Union financial and they are showing that account in bankruptcy as well but should be showing paid in full. can someone here please help me with this situation. 
Thank in advance XXXX XXXX XXXX XXXX. 

being made on time.