davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (GA)

I was serving XXXX  in XXXX for a year. We moved out of the house and rented it out in XXXX the movers had to move out and due to me not receiving BAH I was unable to pay it and I let them know in may. I called and ask could they put a hold on it due to me being XXXX XXXX and being XXXX  I was told by one of their customer service representatives that I would be fine because Im XXXX XXXX. Mind you Im in XXXX and all my mail is forwarded to my parents house in GA. I find out from my mother that the house was set for foreclosure in XXXX Im 19 hours ahead and it was hard to make contact p. I told them several times that I was XXXX XXXX and only one member deceived to help me. Other members hung up the phone lied and said it would be stopped I wasnt told I had to send my orders until XXXX. This company violated many rights under the XXXX. They recently changed the locks against my will. I am over fighting for the country I shouldnt have to be fighting for my property under these circumstances.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I recently filed a complaint ( XXXX on XX/XX/2023 regarding my credit card. 
First National Bank of Omaha has submitted false information in response to your inquiry! I also recently learned FNBO was fined {$32.00} XXXX dollars for fraudulent credit card practices. 
I am enclosing documentation evidencing their false statements. 
FNBO first notified me they were reducing my credit limit which was without any justification. I have always made on time payments in the full amount posted on their online banking website. 
Next I received notice they were increasing my interest rates based on a lower credit score of XXXX when in fact my credit score is XXXX and has been as high as XXXX. Documentation enclosed. I get my credit score from another credit card institution for free! I'm also entitled to free credit scores as a result of a " breech '' of personal information from another source. 
Finally, they start harassing me about a recent payment in XXXX claiming I did not make the payment when in fact I did on XX/XX/XXXX. Due date was the XXXX or XXXX as I have 3 cards from this same institution. 
When I inquired, their response was a minimum payment issue, I paid {$250.00} because their website indicated a minimum payment of {$220.00}! 
They claim it was {$310.00} at that time which it was not according to their website. 
Now that I have filed a complaint with your agency, they informed you my minimum payment was {$270.00} ... ... ... .They are LYING!!!!!! 
I have complete documentation regarding all of my issue as I learned many years ago to always get receipts, documentation, and every other possible piece of evidence when dealing with American corporations! We never had these issues back in the XXXX 's ... ... .then came the XXXX 's and now we live in a world of corruption! 
I want any and all negative credit reporting removed as my payment was on time, higher than the minimum payment posted, and not as FBNO claims. 
My opinion given their recent credit card history, is they lowered my credit limit without merit and raised my interest rate as an excuse to advantage the bottom line of the bank. When I protested, they then began the " payment issue '' so as to post negative information on my credit report effecting my ability to access credit. They are right back at the same practices you just levied a {$32.00} XXXX dollar fine against!!!! 
https : 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 
Please use ( XXXX ) XXXX for home phone ... ... ... your website won't allow me to " edit '' it to make the correct change! 
Please use XXXX XXXX XXXX XXXX XXXX, Fl XXXX as the correct mailing address!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend. 

My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023. 

This is an incredibly misleading and abusive process.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to this matter.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TN)

I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

didnt receive notice of right to dispute
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've contacted Trans Union several times concerning the incomplete information on my credit report : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX. Trans Union continue to list these accounts on my report with incorrect/missing information. I am once again referring to the fact they're reporting this information with PARTIAL account numbers. And NOT reporting the ENTIRE account numbers, they are NOT reporting 100 % accurate information that is required by SECTION 609 of the Fair Credit Reporting Act. For this cause this is HIGHLY damaging to my credit score.And this is making it very difficult for me to acquire credit. I asked for their method of investigations, i DID NOT consent to E-Oscar or any other automated verification
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-11-04
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/2023 I was approved for a Target Red Card in which I applied due to a {$40.00} promotion they were offering on their website XXXX. I got my card in the mail and I was supposed to receive the {$40.00} promotion along with my card. I called and asked why I did not receive the {$40.00} promotion and they said I didn't qualify, because I didn't apply in time. I told them that I clicked on their {$40.00} promotion Ad online and that is why I applied, because of the {$40.00} promotion. After further research and hold time, the target card representative came back and said oh yes you do qualify, I will send it in the mail. I never received it, so I called back a few weeks later and they told me that as a one time courtesy, they mailed the promotion already and would be able to send another one. I told them I never received it, and they said they can not do anything. 
XX/XX/2023, I mailed them a letter to the corporate office which I have documented requesting my promotion. XX/XX/XXXX, they responded that they already sent my coupon within the past 12 months and won't be able to send another one. If I had any concerns to contact the customer service number. I contacted them and spoke to a Supervisor, XXXX who said he only has access to resend the coupon once. I told him everything mentioned above and how it has been such a huge inconvenience in order to get my promotion and he said he can't do anything, so I filed a complaint with him reference # XXXX to be escalated to upper management. I explained that this is a fraud and a scam they should honor their promotion and this is against the law. Its a shame I have to report fraud against a credit card company itself that I am supposed to do business with. Target, a big, well-known, and respected American Retail corporation. What a shame that I have to make such effort as a consumer and spend my time and energy to fight this {$40.00} promotion, but here I am. I will also be filing a report with the California State Attorney General Regulatory Office as well and possibly filing a class action law suit. This is not about the {$40.00} promotion at this point, its about the integrity of Target Corporation in which I no longer feel comfortable doing business with. I feel taken advantage of, scammed and mistreated. Bottom line, this isnt right!
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested numerous times to have a XXXX Charge off account removed from my credit reports. I have provided the court order dismissing the case XXXX brought against me for failure to provide the court any proof that this was my account. I have supplied that court document over and over and the credit bureaus refuse to remove the account. 

The account is not mine. I have stated that in court. I have stated that to the bureaus. Remove it.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. 

Navy Federal Credit Union 's ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate.

Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Navy Federal Credit Union 's reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605.

In light of the aforementioned violations, I demand that Navy Federal Credit Union take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account.

2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C.

3. Either reporting an accurate {$0.00} balance or removing the accounts completely from my credit report in line with FCRA regulations.

Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws.

I expect a prompt response acknowledging receipt of this complaint and detailing the steps Navy Federal Credit Union will take to rectify the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (RI)

My account was put into forbearance and I have been unable to get an explanation from MOHELA. In addition, I submitted a request through their internal messaging system on XX/XX/23 asking when my PSLF would be completed as I am at 120 payments. Its now XXXX and Ive not had a response and my account is on forebearance.
Consumer complaint received 2024-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I opened two XXXX  accounts online with Discover Bank and received new account numbers for a XXXX and XXXX CD, with APY Rates of 5.00 % and 5.2 % respectively. The only acknowledgement I received was a " You're all set, XXXX '' that also contained the new account numbers. 

A couple of Days later, on XX/XX/XXXX, I emailed and called Discover Bank to verify that these accounts were active and asked for more clarification about funding these accounts. The Discover Bank representative from Utah informed me that I could send the funds by XXXX Mail or via electronic bank transfer. She assured me there was no urgency because Discover Bank was allowing 45 DAYS ( from XX/XX/XXXX ) to fund these accounts. I also wanted to verify what the yield on the XXXX CD would be if I deposited {$60000.00}. She calculated this amount to be {$3100.00} based on the 5.2 % APY that was advertised. This all seemed fine to me. 

On XX/XX/XXXX, my understanding was that I had opened a new XXXX CD account at Discover Bank with 5.2 % APY and Maturity Date of XX/XX/XXXX On XX/XX/XXXX, I went to my local bank and initiated the transfer of {$60000.00} to Discover Bank for my new XXXX CD account. 

Today, on XX/XX/XXXX, my funds are there but my Discover Bank XXXX account is showing a 4.9 % APY and a Maturity Date of XX/XX/XXXX!?? This is NOT OK!!! 

I immediately called Discover Bank and spoke to a Supervisor named XXXX who tried to inform me that my Discover Bank Agreement states that I had only 10 Days to fund the CD accounts- the PROBLEM is No Agreement was provided to me on XX/XX/XXXX! 
And, as of the Date of this Complaint, No Agreement and No disclosures have been provided. I only received a Congratulatory email from Discover Bank stating that I would receive a 'Welcome Kit ' 10 Days after I funded my new accounts. Consumer fraud - online fraud. Both!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is XXXX to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

US bank let others open up new checking and saving accounts under my name without my authorization/identity check. 

US bank let others deposit the money set to me without my endorsement. 

US bank doesn't allow me to get the money back. They just hold the money without sharing any instruction how to get the money back.