davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On Friday, XXXX XX/XX/2023, I logged in to my Navy Federal Credit Union and funds were missing. There were unauthorized transfers to XXXX XXXXXXXX XXXX XXXX-Checking Account ending in XXXX, under XXXX name XXXX for the total amount of {$9900.00} ( Two unauthorized transfers : {$5000.00} and {$4900.00} dated XXXX XX/XX/2023 ). Immediately contacted the NFCU Fraud Department & they froze my account. The agent explained that my computer was hacked and the signing was directly from my computer. NFCU XXXX Claim # XXXX dated XXXX XX/XX/2023. XXXX XXXXXXXX XXXXXXXX XXXX  Checking Account was closed after withdrawn of the stolen money. On Sat, XXXX XX/XX/2023, I filed a police report being a victim of fraud, identity theft, hacking into my computer and stole money from my bank account. XXXX XXXX Police Station Report # XXXX. Identity Theft Report # XXXX. Also, submitted an FBI IC3 report and an alert on all Credit Bureaus with a freeze # XXXX. Within four days of my fraud claim, the NFCU denied it. What investigation could have been conducted? Who was involved? 
I did not authorized those external transfers and never received the email notifications from the institution. 

The money stolen were part of my life savings, XXXX of honorable military service to this country. A debt that can never be repaid. As a disable veteran, I'm devastated. I have not benefited from the unauthorized transactions, neither had previous knowledge because the hacker deleted the emails from my email account. This money is for my retirement, years of hard work. I'm depressed and emotionally effected with this situation. Please help.
Consumer complaint received 2023-05-25
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. (CA)

There is a report from XXXX for the amount of {$710.00} as debt which is being double reported at XXXX XXXX  XXXX for {$710.00}. I have filed multiple disputes and they have not been resolved.
Consumer complaint received 2023-05-25
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

portfolio keeps telling me that i owe them a debt and i do not they say that it has been verified but it is unlawful and not legal just to tell me i do. I want a verified documentation that i am legally bound to this debt. You have 7 calendar days to respond or it will be assumed that the debt is not owed.
Consumer complaint received 2023-05-25
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-05-25
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from AutoNation XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down 54 points causing me damages. I have asked TransUnion Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but they won't let you file a dispute online over Fraudulent Unauthorized Inquiries ( see file attached ), which is completely unacceptable and illegal. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission AutoNation XXXX XXXX does not have my permission to run my credit XXXX months after my purchase.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Trott Law, P.C. (MN)

The inhabitants who reside here have no contracts with TROTT LAW from MN who sent mail here in a GLOSSED TEXT ( LANGUAGES OTHER THAN ENGLISH ) referring to us as DEAD ENTITIES/LEGAL FICTIONS. They are being sent our FEE SCHEDULES, CEASE AND DESIST LETTER and NOTICE OF LIBILITY. If they do not immediately remove our names out of their database... TORT CLAIMS of {$300000.00} per month will be filed. We are not LEGAL FICTIONS/DEAD ENTITIES/CORPORATIONS and will not act as one unless compensated .... only man and woman inhabit this address. TROTT LAW mail will be sent back with an invoice if they ATTEMPT to collect a DEBT again in anyway, shape, form or presentment. Who is the man or woman claiming one of the LEGAL FICTIONS owes them a verified debt? There MUST be a man or woman or there is no case. DEAD ENTITIES/LEGAL FICTIONS/CORPORATIONS factually can not speak ... ... hmmmmmmmmmmm .... so if there's no man or woman that's going to put thier bond up, swear under Oath and Affirmation to be true that XXXX XXXX XXXX or XXXX XXXX XXXX ( both are DEAD PERSON/LEGAL FICTION ) XXXX them debts note because they lended us their debt notes ... Get The Heck Out Of Our Lives, Pay Our Fees or Pay Our TORTS that will come thier way.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

The original amount of my mortgage loan through Ocwen Loan Servicing was {$250000.00} on XXXX/XXXX/XXXX. I modified my mortgage back in XXXX under the HAMP Program. In doing so, Ocwen increased my loan amount by {$49000.00} with a principle balloon payment of {$70000.00} that would be forgiven over a three year term -- my new loan amount was now {$270000.00} -- before the principle forgiveness. The time frame is now up -- the last principle reduction took place in XXXX. 
I recently requested to have my interest amount lowered and the documents indicated that I now owe {$260000.00} -- more than {$10000.00} more than my original loan amount of {$250000.00} and after more than 9 years of payments. They are adding the {$70000.00} principle forgiveness back into the balance. Of course they are very happy to lower my interest rate to 2 % at this point because I would be increasing my loan amount to more than I bought the home for. 
This is a total scam and I will not be taking their offer. I hope that they have not done this to others and someone should be held accountable for this.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Experian Report Number XXXX Dear Consumer Financial Protection Bureau , I am writing to dispute several potentially negative and inaccurately reported items on my credit report associated with my XXXX  XXXX Bankruptcy, which I believe are impacting my credit scores unjustly. My details are as follows : Debtor Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Experian Report Number : XXXX Incorrectly Reported Accounts : XXXX Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX  Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX XXXX  Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy These entries incorrectly remained unchanged even after my initial dispute in XX/XX/XXXX. As mandated by the Fair Credit Reporting Act, I am requesting a reinvestigation of these items. 

Attached you will find copies of documents that support my claim, including : Correspondence relating to the initial filing and discharge of the bankruptcy. 
Proof of the discharge that clarifies any inaccuracies in the dates or other details reported. 
Any previous correspondence with your agency regarding this dispute. 
Given the potential impact of these discrepancies on my financial health and opportunities, I urge you to correct or remove these inaccuracies from my credit report as soon as possible. Should the reinvestigation not resolve my dispute, please include a statement of the dispute within my credit file to clarify the contested nature of these records for future credit assessments. 

Thank you for your attention to this matter. I expect your prompt response and resolution of my dispute, ensuring the accuracy and fairness of my credit reporting. 

Sincerely,
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item 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 2016-09-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NY)

I ordered some phones wholesale from XXXX. I had a lot of trouble with the merchant, contacting them and finding a resolution. The phones were inspected and found to have non-oem parts. I requested a refund with the merchant and the merchant denied it. I opened a dispute 4 times with American Express because each time it was sided with the shady merchant. I provided documents showing phones being sent back and documents showing the professional evaluation of the phones. I got scammed out of $ XXXX. Now I can not do anything because the merchant has told American Express that they never received the phones but instead received " books ''. I got scammed and American Express did absolutely nothing to protect me. My consumer rights were ignored and American Express continued to side with the lying merchant from XXXX. I am complete upset and American Express could care less. All they want is money and to cash in on my losses. I have been scammed and defrauded.
Consumer complaint received 2023-05-25
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. (MN)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXX XXXX XXXXXXXX .... 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 2023-05-25
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. (AL)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-25
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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