davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP (TX)

On XXXX the XXXX 2023 I reported unauthorized transactions that occurred under my account with Bank of Texas there were multiple withdrawals that were made under my account that I did not authorize permit or allow to be conducted I received a check from Bank of Texas on XX/XX/2023 in the amount of {$1300.00} now upon receiving my bank statement which at that time of me disputing these transactions Bank of Texas did not allow me to see my account activity so I couldn't properly clarify which transactions were valid and which weren't on XXXX the XXXX 2023 I received my bank statement upon checking for the statement. XX/XX/2023 through XXXX the XXXX 2023 he total number of incoming transactions that I received was {$2600.00} Bank of Texas only sent me a check for {$1300.00} the only valid withdrawals under my bank statement are two transactions which totaled {$150.00} what happened to my XXXX dollars that Bank of Texas did not include Indy chick that they have sent me
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

I have been trying to open a checking account with Navy Federal Credit Union for at least 1 year now. The first time i was denied was around XX/XX/XXXX approximately. They were unable to give me a reason other than to file an appeal and i have been doing so multiple times since then. I have went through the Appeal process so many times. I have submitted documents they asked for was a copy of my ID, SSN card and proof of address. I was still denied with no reason. XX/XX/XXXX i spoke to a representative and they advised me that it looks like i was in the XXXX  XXXX  with XXXX XXXX XXXX and in order for me to enroll i would have to settle any debts with them to be removed from the XXXX XXXX. I ended up resolving the issue with XXXX XXXX XXXX. After doing that the representative told me that i would have to file another Appeal! I went ahead and filed the appeal and i kept receiving multiple emails from XXXX XXXX XXXX Department asking for the same documents I've already sent. I then decided to call today XX/XX/XXXX, to check the status on my appeal and i was advised that there was an account opened in my name in XXXX and that i can never open an account with Navy Federal Credit Union. I told the representative that i have never opened an account with them nor have i received any materials or cards to my address in my life. In XXXX i didn't even qualify to have an account. I am also a victims of identity thief. I asked the representative what documents were sent to open this account in XXXX and how it was opened and they just refused disconnected the call.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.
Consumer complaint received 2016-10-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage continues to generate incorrect monthly statements on my mortgage account since XX/XX/XXXX. Nationstar mortgage refuses to correct this issue and advises me to disregard the incorrect mortgage statements. My monthly mortgage statements do not reflect information on Nationstar 's detailed transaction history, which makes it difficult to properly track my mortgage account history. 
I filed a prior complaint with the CFPB, complaint # XXXX, which states that Nationstar has been charging me more than a 4 % late charge fee. Nationstar completed an investigation and found no errors and to be within legal compliance. Nationstar refers me to their " internal system of records '' as evidence to support their claim of " no wrong doing ''. My monthly mortgage statements from XX/XX/XXXX-XX/XX/XXXX clearly show late charge fees over the 4 % allowed by law. 
On XX/XX/XXXX Nationstar waived a late fee of {$100.00} this appears on my XX/XX/XXXX mortgage statement as XXXX separate fees being waived of {$50.00}. This is clear evidence of Nationstar 's illegal billing practices, when it comes to compounding/pyramiding fees. Nationstar is billing XXXX late fees, disguised as XXXX total late fee. Additionally if my account has been current since XX/XX/XXXX, Nationstar removed {$100.00} from my account on XX/XX/XXXX and XX/XX/XXXX. Where did the funds come from to cover these fees, if my statements do not reflect an additional unapplied funds balance? 
How can Nationstar conduct a proper accurate investigation on my mortgage account, if they are providing false and incorrect mortgage statements? These statements clearly do not match Nationstar 's " Detailed Transaction History '' that they are using as evidence to dispute any errors disclosed to Nationstar!
Consumer complaint received 2015-09-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Innovative Collections, LLC (CA)

Hi, My name is XXXX XXXX. 
I got a parking ticket back in XXXX 2015, that I had no knowledge of, which was sent to my old address. That old address does n't exist anymore as the property is under construction. This resulted in the outstanding debt/bill showing up on my credit report as a Collections. 
This was how I gained knowledge of this outstanding bill. 

I right away paid the collection agency the full amount owed, {$110.00}. 
They, XXXX INNOVATIVE COLLECTIONS, XXXX ), still have not notified the Credit Bureau, XXXX, that this was paid in full and therefore still shows up as an open collections on my report, when I paid this off 4 months+ ago. 

Innovative Collections is practicing their business in a sleazy way. 
I repeatedly called them about this and all they have to tell me is that they notified the Credit Bureau XXXX which they have not really done, according XXXX XXXX and that they can not notify XXXX again that this have been paid off. 

I am stuck here being thrown back and forth not being able to take care of this issue and fix my credit. 

I was directed here by XXXX saying that this is the next route I can go? 

Is there anything you can do to help me with this? 

Thank you
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX  XXXX Balance : {$180.00}
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CO)

My mortgage hit a 10 year anniversary that applied principle to a $ XXXX dollar loan that jumped my payments an additional {$3500.00} a month, now $ XXXX per month. In an effort to refi, my home has lost XXXX in value making impossible to refinance. I turned to Nationstar for a loan modification and was told that I was rejected not for be accepted to do the loan modification, they said the new loan would have a higher monthly payment. They will not disclose what the new loan would be or why they would not reduce the loan. If the original loan was re-applied, i could make the payments. We are doing everything in our power not to miss a payment, even draining our saving account. We are out of time. Nationstar will not work with me, the person that they assigned is just a document fetcher, no help at all. The call center just says, you where rejected and there is nothing they can do.
Consumer complaint received 2017-03-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

Auto lease was entered into XX/XX/XXXX. Lease terminated XX/XX/XXXX. Communications about late payments and additional amounts due to creditor ( Ally Financial/GMAC Financial Services ) began XX/XX/XXXX. According to the Fair Credit Reporting Act, a negative credit item can remain on a credit report for 7 years FROM THE DATE OF FIRST DELINQUENCY. The first delinquency of this account occurred no later than XX/XX/XXXX. No additional commitments, payments, or communications took place on my behalf during any subsequent time. This creditor continues to report delinquency, collection, and charge-off to this day on Credit Bureau files. Under Section 623 ( a ) ( 5 ) of FCRA : A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on that account, which shall be the month and year of the commencement of delinquency on the account that immediately preceded the action. 
Therefore, I demand that Ally Financial be held accountable and remove this negative item from all credit reporting, dating back to XX/XX/XXXX. Thank you for your assistance in this matter.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX there was a sitewide glitch on Chase 's end that sent out duplicate XXXX payments on that day, causing my payment of {$2300.00} to be charged a total of {$4600.00} to be withdrawn from my account. My XXXX history shows that I only authorized one payment. As reported online here : XXXX XXXX XXXXXXXX I filed a claim with Chase on XX/XX/XXXX about the duplicated charges as well as an earlier complaint with the CPFB ; in turn, Chase reversed my duplicate charge on XX/XX/XXXX. However, even though I was debited twice, my recipient only received a single payment. That single payment was then reversed on XX/XX/XXXX so the payment was sent to the right address, but was reverted back to Chase. My recipient effectively received a net total of {$0.00} and I am still responsible for the {$2300.00} of the funds that did not go through. I no longer have access to those funds as they were debited out of my account and must send over replacement payment. I went in person to a Chase branch on XX/XX/XXXX and they confirmed that they could see the two posted payments being debited to my account, however XXXX XXXX received one charge of {$2300.00} and one of {$0.00}. 

My recipient 's bank is XXXX XXXX and have been confirming that they did not receive payment on that end. If Chase had conducted their investigation correctly and/or communicated with XXXX XXXX , they should have reversed the debit on my account but left the XXXX XXXX transfer untouched. My claim with Chase and CPFB complaint have since been closed but I am still missing {$2300.00}.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (CA)

I obtained a loan from USBank at XXXX XXXX XXXX, XXXX XXXX, CA XXXX from XXXX XXXX, and branch manager XXXX XXXX XXXX for a used auto back in XX/XX/2022, and I have been making my payments on time every month. I purchased the car from my Father. I received letters from USBank saying they were going to repossess the car because they still did not have the title. As of this date, we have not received registration or tags for the car I purchased. After waiting a while, I reached out to both XXXX XXXX and XXXX XXXX and they told me they lost the original title from XXXX. They asked me to order a new one and XXXX it to them. They lost that one. Then we got a hold of the VP XXXX XXXX because we were going on 6-8 months without registration or tags. She had XXXX XXXX call us and ask us to order another title from XXXX. I had to pay each time I had to do this. All this time they were taking money from my account for a vehicle that was still not registered to me. Then we got the title and hand delivered it to XXXX XXXX who said he was going to hand walk it into the DMV and get it taken care of. As of today 's date the car is still not registered to me and I do not have tags, I don't know what else to do. This bank has never sent in my title, nor given me a registration or tags. And now, the branch is closing down. I tried to go to the DMV directly to get a copy of registration and new tags, but they can't release them to me. I can't even drive my car because I am afraid I will be arrested for driving an unregistered vehicle. This has been going on for over a year. And I have been making my payments this entire time. I need help.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: National Credit Adjusters, LLC (CA)

XXXX XXXX is misleading and doing fraud say that I old him {$300.00} I never authorize or agree for that loan and they sold the debt collection to national credit adjuster I have contacted both parties and they both asked me for a copy of my ID and Social Security and proof of residence. I sent it to them and they just said everything is verifying. and thats a lie because on XX/XX/XXXX of XXXX. I never applied for a loan at speedy cash. And then it says XX/XX/XXXXXXXX Everything is up to date. So yes, theyre scamming me and the doing fraud I asked him for a copy of the contract and I never received anything back this collections ask hurt my credit and myself and hurts me financially due to higher interest that I have to pay you to their mistake and there being scammers.
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (FL)

Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.
Consumer complaint received 2023-06-14
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. (PA)

I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my report.