davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been back and forth disputing errors on my credit report with XXXX XXXX and Equifax to update my credit report, first off my information was compromised with Equifax. I'm signed up through XXXX XXXX since my information was breached. After I refinance with the XX/XX/XXXX I've notice weird stuff been going on with Equifax, First report stated I have mortgages wrap up {$270000.00} open XXXX two XXXX ( dup ) not so I've always had one mortgage with XXXX since XXXX sold and transfer to XXXX XXXX, XXXX recently sold the mortgage to XXXX. I ask both XXXX  to show XXXX showed payoff due to refinance with XXXX loan paid off XX/XX/XXXX, XXXX show open new loan. Equifax showed XXXX and XXXX showed open, I asked Equifax to show the XXXX transfer to XXXX now they have reported XXXX and XXXX closed and advise at the time that XXXX will remain after numerous disputes. XXXX and XXXX is now showing closed. I also asked for a CA address to be removed nothing has been done, I am so upset my credit score always been in 800 high after the refinance it dropped to XXXX with XXXX XXXX and Equifax not properly showing XXXX paid off. I'm assumming there must be children working for these companies. I have a payoff letter from XXXX showing it was paid off not closed. If you need this information I can send it to you.
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX, I momentarily lost my phone during the process of renovating my house, and they were many people at my home at the time ( different contractors, electricians, plumbers etc ). After relocating the phone about an hour later, I checked and noticed that there was some unusual activities noticeably with my XXXX   account, which is linked to my debit card. In essence a person used my debit card information without my prior approval. After I retrieved my phone, I noticed that there was a transaction of XXXX made to an individual listed as " XXXX XXXX. '' I not only was a victim of Identity theft but my debit card information was momentarily stolen and unauthorized transactions was made. 
As soon as I realized the error, the first thing that I did was contact my financial institution. My first grievance with PNC bank was that they failed to stop the payment from going through even though the transaction was still pending. I notified them that my information was comprised and although they replaced my debit card the transaction was allowed to happen. My account was never frozen. When I spoke with a PNC representative about the matter, and why is the transaction was not canceled after I made it known that my card information was stolen, she said with the " third party company 'XXXX ', the item has to post before PNC bank can do anything about it '' ; thus violating my protecting under the Electronic Fund transfer Act.The company 's decision to not intervene and allow the unauthorized purchase to go through left me with an undue burden/hardship due to the large amount of money that was processed. 
My financial institution, PNC bank, opened a report and did an investigation. They are now denying my request because the transaction was made through a third party ( XXXX ). 
I am disputing this matter because under the Electronic Funds Transfer Act, I am afforded protection if I am a victim of identity theft or if my debit card number is stolen and an unauthorized transaction was made, al of which pertains to my situation. I also have reasons to believe that the financial institution did not take into full account the circumstances of the fraudulent transaction or that a thorough investigation was made since I was told during my phone conversation with an associate on XX/XX/XXXX around XXXX that " XXXX disputes are routinely denied. '' This was not simply a routine XXXX transaction as my identity was stolen and an individual used my information without my knowledge or approval and made transactions on my behalf with a stolen debit card information. Furthermore, my dispute determination was dated XX/XX/2019 which was beyond the 45 days in which the financial institution has to mail me a determination as I made them aware of the situation and opened up a dispute on XX/XX/2019. 
I was not afforded the protection that I am guaranteed as a consumer nor was my investigation conducted in the time frame allotted.
Consumer complaint received 2019-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (CA)

THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile. 
In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed. 
On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information. 
Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile.
Consumer complaint received 2022-11-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jon Barry and Associates, Inc. (NC)

I submitted a prior complaint that was closed by the CFPB because Paragon Revenue Group agreed to remove this negative item from my credit reports and that I did not owe them any money. Today I received a text message from them asking me to call them with a XXXX digit Pin #. I attached a screenshot. 

I do not owe Paragon Revenue any money and they need to stop contacting me. The CFPB needs to investigate this debt buyer! I want them to stop contacting me and remove my information from their database. 

Here is the case # from XX/XX/2022 with CFPB : XXXX
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: N.A.R., Inc. (UT)

XXXX XXXX XXXX # XXXX is double reporting with NAR # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with NAR to pay off the rest. XXXX XXXX should be a zero balance and I should not have these accounts as they are fraud.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Stark Collection Agency, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On Tuesday, XX/XX/2022, I was booking roundtrip flights with XXXX XXXX on their website from XXXX XXXX to XXXX. When I got to the billing summary page an offer from Chase British Airways Visa Signature Credit Card popped up offering a {$500.00} statement credit for applying for the card and using it to pay for the airline tickets. I submitted my application and was approved on the spot with no delay. I called Chase XXXX Customer Service requesting an expedite on the delivery of the credit cards so I could use it to book the round trip flights. I also confirmed with the Customer Service Rep that I would receive the {$500.00} credit promised since it was published on the XXXX website. I received the cards on XX/XX/2022 and I booked the flights that evening. On Thursday, XX/XX/2022, I received the Chase XXXX monthly billing statement with a payment due date of XX/XX/2022 and there was no credit applied. I called XXXX Customer Service and was instructed to go on their website and submit an inquiry which I did. On Tuesday, XX/XX/2022, I received a confirmation that the inquiry was received and it was being directed to the appropriate department. It said I would receive and response within 5 days. I received a response today, XX/XX/2022, and it states that XXXX does not show that I applied for the statement credit offer on British Airways website. They apologize to advise the offer that I am requesting is not available for matching. As a result, it can not be manually liked to any account.
Consumer complaint received 2022-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC (CA)

On XX/XX/XXXX my mother received a call from who we later found out was a debt collector from Northstar Location Services. They claimed to be a friend of mine who was looking for me. I know that this is a violation of 15 USC 1692e ( 10 ). Moving forward I would like all communication to cease and desist unless it is a written correspondence in regard to my remedy as I intend to sue for false and misleading representations and harassment and abuse.
Consumer complaint received 2019-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is a brand name for Nationstar Mortgage LLC. 
Loan # XXXX Paying {$720.00} for two decades Missed insurance payments for the months of XXXX & XXXX Mr. Cooper informed me that they would gladly pay my home insurance for me for a meager $ XXXX per year. 

Insurance was paid in advance for the full year XXXX of XXXX. $ XXXX Mortgage records did not reflect my payments, Hence I called Mr. Cooper on 2 occasions during the month of XXXX. I was informed that the corrections would be made on the next statement. 

Corrections were never made, I was submitted to an escrow account during the summer of XXXX, Meanwhile, I continued paying {$720.00} until the month of XX/XX/XXXX! 

During the last and the Month of XXXX, I spoke with Mr. Cooper concerning a letter about insurance being escrowed. It didn't seem fair that I had to escrowed when the account was paid in full.

In Sum, Mr. Cooper knocked on my door to start foreclosure procedures, I imagine. 

XXXX XXXX XXXX In any event, I spoke with the escrow department and thought it would be to my best interest to straighten this mess out! At the time, I was trying to refinance my home and was rejected by XXXX XXXX XXXX, that receives my payment on a monthly basis. 

I spoke with the young lady to explain the delayed letter which did not account for the fact that I payed over $ XXXX on the XXXX of XXXX. 

The purpose of this call was to explain the unjust late fee 's, penalties, and possible damage to credit report due to an 'delinquent account ' As we speak the account has been brought up to date! 

{$850.00} for XXXX. 
{$850.00} for XXXX. 
{$850.00} for XXXX. 

subtract {$720.00} credited because full escrow payment was not met. 

{$25.00} dollars was added in penalties due to a stop check I implemented when I was informed that I had to be escrowed due to the fact I was late on payment during the previous year. 

It just didn't make sense, it felt like I was being charged twice, so I kept at it! 

A three way conversation between myself, Mr. Cooper, and XXXX ( Home Insurance Provider ) was enacted on the XXXX of XXXX which confirmed my thoughts : Mr. Cooper should have forwarded XXXX, $ XXXX once they decided to escrow my account. 

Hence, I was deprived of $ XXXX during the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Now they quadrupled my Insurance and I ended up being accountable for $ XXXX for the months of XXXX, XXXX, and XXXX! 


If the procedure would have went through the proper channels, I would have have received $ XXXX from my Insurance Co. way back in XXXX!!!!!!! 

Instead, I should be receiving a check within the next two weeks, hopefully before my next escrow payment of x number of dollars. 

The above was meant to be in chronological format, to show Mr. Coopers negligence by not forwarding the {$1.00} to the Insurance Co., which in return would have forwarded me the funds that I'm  waiting on this very minute! 

Any further questions don't hesitate to contact me! 

Thanks In Advance!
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

I applied for a no fee credit card in XXXX. In XXXX i realized i had been charged a yearly fee and called American Express ( Amex ). They said they would change it to the no fee card. A few weeks ago i saw another yearly fee and realized they have been charging me since XXXX. When I online chatted with XXXX, an Amex associate today, I was told I would have to be issued different cards and be " downgraded '' to the no fee card. Apparently, Amex issued me a card I did not apply for ( the yearly fee card ). And, when i asked this to be fixed in XXXX ( the phone call at that time was recorded ), it was never fixed. Correct me if i'm wrong, but i believe that it is illegal for a credit card company to issue a card different from the one you applied for, without your consent.. 
Thank you, XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ID Analytics, Inc. (WY)

I applied for a XXXX card and was told to call customer service to verify my identity. I called customer service and had to correct my social security number. Once she ran the credit check and identity verification, i was denied. Before I could request a reconsideration, the representative stated the denial was because Sagestream LLC is reporting me as deceased. I contacted Sagestream LLC on Saturday but their office was closed. I contacted them again yesterday, XX/XX/2019, at XXXX EST ( XXXX PST ) ; however, I consistently kept getting the automated message saying their office opens at XXXX, yet it wasn't open. I left a detailed voicemail with the help of my financial counselor and provided a call back number. I never received a call back.
Consumer complaint received 2024-09-25
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. (NV)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2019-06-22
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: EQUIFAX, INC. (AR)

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. EQUIFAX, XXXX, XXXX  HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am one of USAA 's victims. and was not included in the terms announced by CFPB and USAA on XX/XX/XXXX. On numeroud occasions, USAA denied me a reasonable error resolution investigation and which I continue to labor under even today. The harm USAA has caused is irreparable as they put on a huge facade as to how they labor on behalf of the veteran. This, in my opinion is nothing more than a marketing strategy and ruse. You can look at the national level of complaints against USAA and while I am glad CFPB sanctioned USAA, it was not enough. Furthermore, I am confident I am not the only one left out of the bone-jarring {$180.00} restitution payment. 


Consumer Financial Protection Bureau Settles with USAA Federal Savings Bank Bank Failed to Stop Payments or Resolve Errors, Must Pay {$12.00} XXXX in Restitution, {$3.00} XXXX Fine XX/XX/XXXX Washington, D.C. The Consumer Financial Protection Bureau ( Bureau ) today announced a settlement with USAA Federal Savings Bank, a federally chartered savings association headquartered in XXXX XXXX, Texas. 

As described in the consent order, the Bureau found that USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. USAA also violated the Consumer Financial Protection Act of 2010 by reopening deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice. 

Under the terms of the consent order, USAA must, among other provisions, provide approximately {$12.00} XXXX in restitution to certain consumers who were denied a reasonable error resolution investigation, and pay a {$3.00} XXXX civil money penalty. 

The consent order is available at : XXXX XXXX XXXX XXXX XXXX XXXX The Bureau of Consumer Financial Protection is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.
Consumer complaint received 2022-11-10
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. All is being investigated by the ftc.
Consumer complaint received 2022-11-23
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2019-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc. (SC)

We bought a water softener in XXXX of 2015. The loan was for {$6400.00} for 6 years. We made minimum payments. 

The first year we paid $ XXXX/month with a 5.9 % interest rate. The following years until the present day we have paid $ XXXX/month with a 13.99 % interest rate. 

Year-to-date, we have paid {$4100.00} and only {$1400.00} of that has gone to the principal amount. {$2600.00} has gone to interest. 

There was one month where only {$1.00} went to the principal. The paperwork does not say what the amount would be just paying the minimum for 6 years. 

We have a balance of {$5100.00}. These types of water softeners go for about {$1500.00} at XXXX XXXX. The terms of our contract are unfair and contain predatory lending on behalf of Aqua Finance.
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

On or about XX/XX/2019 XXXX and my wife started to receive persistent calls from XXXX XXXX XXXX from phone # XXXX. My requests to cease calling us was ignored.