davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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: NCB Management Services Inc. (FL)

NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS BEEN REJECTED!!! 
To Whom it May Concern Your company NCB MANAGEMENT SERVICE is illegally trying to collect and is furnishing false items that violates my consumer rights and FDCPA and FCRA. Be advised that your claims of validation have been rejected. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act, not that your company has already sent a letter or you looked at the names, you have to send a copy. Your company has to provide illegal proof I have legal obligations to pay this alleged debt. Your company explained in response via CFPB says quote transfer included all pertinent information needed to confirm the debt is valid and owed, by law what law is this? because 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

You can not say NCB bought the debt and your company has the right to a debt without showing the bill of sales and how everything transfers to your company. If you notify me XX/XX/year> via mail I need to see proof of this letter, what address you sent it to and the green turn receipt with my signature that I received this letter or any certified mail with this mail and my address. It has to be delivered to me and no one else!

12 CFR 1006.38 - Disputes and requests for original-creditor information.

( d ) Disputes ( 1 ) Failure to dispute. The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

So yes! The transfer of these contractual rights from XXXX to NCB does require my permission! And NCB saying it does not, is a continuing violation of my consumer rights. 15 U.S. Code 1692f - Unfair practices 15 U.S. Code 1692c - Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

On XX/XX/year> I was out of the country visiting my family. I tried to log into chime to see my account information but I was locked out due to me being out of the country I have tried to scan my id and that didnt work then I tried to call customer service and I couldnt get through many times so I gave up calling. 

On XX/XX/XXXX I tried to use my card to purchase dinner for myself and my family but my card was declined and could not get through to chime at all! Nobody wouldnt help me with my account until I got back to the United States On XX/XX/XXXX I returned to the states and I was finally able to log in. 
When I logged I found over 20 fraudulent transactions that totaled {$2200.00} the merchant is called XXXX XXXX My account was drained and the fraudster took all ot my money out of my account I called chime and I told them the situation that this was ongoing and chime didnt stop any of these fraudulent transactions from happening!!! Not sure how my card info was stolen but it happened. So I disputed the transactions and I was promised a temporary credit of {$2200.00} Did not get it in 10 days and they denied my claim 10 days later. I called them back and I wanted to reopen the case and chime told me it would be a rebuttal and when that was reopened I attached documents to prove that I did not do these charges. 3 days later they denied my fraud claim again! And I called the 3rd time I wanted to fight it again since its fraud and I reopened the claim again as a rebuttal. 2 days later it was denied the 3rd time!!! Still no help from chime and it seems like they dont want to tell me why my claim was denied so the case is now reopened once again I will hear back in 10 days. I dont think chime is doing there investigation at all and they just deny claims for no reason. This money was taken from me and I was supposed to pay my rent now I am losing my apartment because chime decided not to refund me.also the merchant confirmed that i have not did any of these charges and they also said they did not receive any notifications from chime about a charge back.
Consumer complaint received 2024-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (PA)

Multiple Fees ( NSF ) were charged to my account when the money was available AND checks were returned. NSF Charges came in after returned fees were applied to my account AND important checks ( Rent ) were held and then returned instead of paid, I called customer service for help and they only returned XXXX / XXXX fees ( {$29.00} ). I NEVER called for help with fees AND MY BI-WEEKLY paychecks amount to over {$10000.00} monthly! 

No need to return my checks
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

I was recenlty provided an escrow shortage document and I paid the shortage, but the shortage did not account for the increase in my insurance and taxes. I asked for my escrow to be adjusted and I was told they can not do that because RESPA dictates that they can not adjust my escrow to pay for the increase in my taxes and insurance, that they have to distribute the difference over 12 months. They said I am not allowed to contribute enough to my escrow account to pay the full amount of my insurance and taxes for the year and that my monthly payment must increase.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

( XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX, Experian, XXXX and XXXX from reporting services.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I request that you investigate and remove these XXXX fraudulent inquiries from my credit reports immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide me with all relevant documentation related to these. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX permission to go into my credit reports so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-08-30
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I am writing to file a formal complaint regarding the actions of Pentagon Federal Credit Union ( PenFed ) in handling my recent loan application. I believe that PenFed 's decisions were unjustified, leading to the unfair denial of my loan, and I am seeking your assistance in investigating this matter. 

Initially, I submitted a loan application with PenFed, which progressed through the initial stages. During the process, PenFed acknowledged that they had made an error on their end. Despite this acknowledgment, they chose to cancel my original application rather than moving forward and approving it. Instead, they requested that I submit a new application, which I did. 

This new application was resubmitted to the underwriting department, where it was ultimately denied due to my debt-to-income ratio. I want to emphasize that this issue with the debt-to-income ratio was never raised during the initial application process. Additionally, I have not incurred any new debt, and my financial situation has remained consistent since the original application. 

I have reached out to PenFed multiple times via email and phone, requesting verifiable proof and clarification regarding their decision to deny my new application. However, I have not received any adequate responses or documentation to support their decision. 

I believe that PenFeds choice to cancel the initial application, only to have the new application denied for reasons that were not initially problematic, is unfair and lacks transparency. This situation has negatively impacted my creditworthiness and caused considerable financial uncertainty. 

I respectfully request that the CFPB investigate this matter to ensure that PenFed 's actions comply with fair lending practices. Any assistance in holding PenFed accountable and addressing my concerns would be greatly appreciated. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-24
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)

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments.

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XXXX XXXX XXXX XXXX XXXX XXXX  Since I have already attempted to resolve this matter, I will proceed to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), as is my right under the FCRA, if I do not receive a satisfactory response and correction of my report.
Consumer complaint received 2024-08-23
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Urgent Request for Block of Fraudulent Information I am writing to formally address a critical issue regarding my credit report that has placed me in a distressing situation. As a victim of identity theft, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and I am reaching out with a sense of urgency and concern. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you take immediate action to block certain fraudulent information from my consumer credit report.The details of the fraudulent accounts & Inquiries include : These accounts have resulted in several fraudulent hard inquiries, leading to significant stress and potential harm to my creditworthiness. I have attached a comprehensive list of the hard inquiries & accounts in question, along with a copy of a self-attestation letter that clearly indicates these fraudulent entries.I want to emphasize that I do not recognize any of these accounts or inquiries. They were not initiated or authorized by me, and they stem solely from identity theft and fraud. For your reference, I have also attached the FTC Identity Theft Criminal Complaint # XXXX as proof of the fraudulent activities that have occurred. Given the severity of this situation, I insist on a fair resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

i filed a dispute with transunion through XXXX XXXX 
in was under investigation for 3 month and came back with nothing changed. 
this dispute was for apartment rental which tried to collect 12 month of rent when first month was free and XXXX XXXX XXXX XXXX. we were late 2 month and they served a eviction notice. they are now trying to collect for full 12 month of rent plus interest for total of over {$40000.00}.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX