davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (TX)

Ok so pretty much this is with Navy Federal Credit Union. I originally went online to try and reopen an account that I once had over 15 years ago when I served in the XXXX. The reason why is because my current account had been closed through a digital bank without warning for no reason and if there was a reason I wasn't given that reason. I also filed a complaint about that. I did not hear anything from this bank for over six months so I decided to call. The first csr basically tells me because I was married so my last name is different in which I submitted the documents online. But I'm pretty much been given the run around simply to open a checking account and I'm furious it's apparent it's me if it's on my ID IF IM STANDING IN FRONT OF YOU IF IM VERIFYING THINGS ON THE XXXX ACCOUNT. but yet again they are asking to see the documents again. I am a XXXX XXXX so I'm not home during the week and it's super inconvenient for me to have to keep going through freaking rollercoaster rides for a simple account it's XXXX  and I'm sick of it they need to relax their requirements of the person is clearly there and they have already submitted documents they should have to keep repeating the same XXXX thing over and over and you need to tell your csr to make sure they know what they are talking about before they give a potential client or cusomter the XXXX run around. Y'all should be glad people want to bank here
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC (DE)

I am writing to record and dispute the attached letter that I have received XX/XX/2020, ( enclosed copy ) from Valor Intelligent Processing , LLC. 
I believe this is a collection scam as I dont owe money to XXXX XXXX XXXX. 
Valor Intelligent Processing , LLC called me, XX/XX/2020 @ XXXX XXXX  EST, from the following phone # : ( XXXX ) XXXX alleging I owe {$2200.00}. They requested I provide a credit card number over the phone for payment. When I refused, the female operator got quite belligerent with me ; demanding payment. 

I then requested a letter from her without providing any contact information to her. I received this enclosed letter XX/XX/2020. 

Please investigate this matter and contact me as soon as possible.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I checked my Experian credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on Experians report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my XXXX  credit score, instead they dropped me 70 points.
Consumer complaint received 2020-06-30
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. (AL)

You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I paid about 90 % of the " New Balance '' on my Bank of America VISA statement, dated XX/XX/XXXX. On the next statement dated XX/XX/XXXX, I paid the balance in full, before the due date, including the finance charge from the previous month. When I received the next statement dated XX/XX/XXXX, there was another finance charge, even though I had paid the previous balance in full. I called B of A customer service, XXXX, and asked for an explanation. They said the second finance charge ( on the XXXX statement ) was a " residual '' finance charge left over from the previous month, and that I have to pay the full balance TWO MONTHS IN A ROW to make the finance charge stop. I told the customer service rep that I don't think that's the correct way to assess finance charges. When I pay the balance in full, the finance charge should stop with that payment. She insisted their method was correct. 

Admittedly, the amount of this particular finance charge is small. I'm not complaining about the amount. I'm complaining because they charged it after the balance was paid in full. If they do that every time someone has a residual balance and then pays in full, I think they are charging an extra month 's interest to which they are not entitled. 

I can provide copies of the statements, if desired.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$1000.00}. I ask that this be removed once and for all. I did try to contact this creditor and advised them I am not responsible for this debt however, they have not removed this account from my credit report which is intentionally negatively impacting my score.
Consumer complaint received 2020-06-30
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: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NH)

We purchased merchandise and financed it for 0 % interest for 60 months. The credit card statement reads, in relevant part If you make only the minimum payment each period, you will pay more in interest. This language is required by regulation. However, it is false in this case as the interest will the same if we pay 60 equal payments or pay more with any of the payments. The language almost induced us to pay more than the minimum, which of course would make the cost to the bank less for supporting their 60 month no interest offer. In this situation the bank should add language that does not mislead people to paying off no interest loans early. 

Bank is TD Bank , N.A . Credit card is XXXX XXXX XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

Called sunrise and asked them if I can handle my debt collection with them and they said they no longer have the account in their office.so i asked them to remove it from my XXXX credit report and they said they have no idea. I would like this removed please
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2020 I was notified via text alert from USAA of suspicious activity on my credit card. I checked online to discover two fraudulent charges : the first for {$91.00} and another for {$2300.00} made right after for a total of {$2400.00}. I immediately called USAA to report the fraud and change the credit card number. During the call with the credit card department, I was assured that this issue was handled. An adjustment was issued for the full amount. 

On XX/XX/2020, the full amount of the fraudulent charges was once again charged back to the account by USAA. I submitted a signed statement saying the charges are fraudulent. A few lengthy calls revealed that the fraud department employee had determined the fraud charges were my own doing since I was in possession of the card. The credit card department claimed I didn't answer two calls from the fraud department and therefore I am responsible for the fraudulent charges. 

After being assured that the case was being reopened, I recieved a credit card statement for the account with a monthly payment due for the fraudulent charges. A call with the escalations team revealed that the fraud department had incorrectly determined the charges to be legitimate since fraud is committed with fake cards and other means. Concerned about the payment due amount being reported on my credit report, I was assured that the fraud department would call me within 5 business days to gather information. 

I have recieved no communications from USAA regarding my fraud case. Payment is due in 4 days and I am left on the hook for a scammer 's greed. USAA has a zero liability policy for fraud, but only if they can correctly assess the charges to be fraudulent. USAA needs to get these fake charges off of my account!
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (GA)

In XX/XX/XXXX I discontinued my XXXX  XXXX XXXX  service by phone and paid the final bill. Received mail notification of amount due on XX/XX/XXXX of {$150.00}. See attached bill. I called and spoke to several people including the manager about the added 'cancellation amount of XXXX ( early termination ). I was not under contract. The contract expired XX/XX/XXXX. I've returned all equipment ( no dispute ). I do not owe them this amount because I was not under contract. XXXX XXXX has now employed a debt collection agency 'Credence Resource Management ' XXXX who has began calling me. I explained the same statement above to them. XXXX XXXX  is fraudulent to impose this early termination fee. I was a good customer for more than 2.5 years.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MS)

After reviewing my free annual credit report, i noticed that there was an account placed for collection with National Credit Systems in XX/XX/2020. There was no written/telephone communication of this debt provided to me. I also sent a written correspondence seeking validation to National Credit Systems between XXXX XXXX of 2020. It is now XX/XX/2020 and I have yet to hear from the agency.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$740.00}. I ask that this be removed once and for all.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I'm complaining against XXXX XXXX XXXX and XXXX XXXX of Carrington Mortgage Services. It started with XXXX XXXX telling me that he will get me the 3.25 % interest rate but forgetting to mention that I have to pay for it through points. When I talked to him about it, he said he will fix it. Then, when we were about to close he told me that he can't do anything about it. He said that I can deduct it in my income tax at the end of the year anyway. Then he pressured me to decide the same day or I won't be able to close the following Monday. In spite of the rush, I still was not able to close the following Monday. It was moved to Tuesday so what they told me was a lie. Then, on the signing of the documents, the notary noticed that there is no document to sign the release of my cash out. When I emailed both XXXX XXXX and XXXX XXXX, XXXX said that if I did not sign any documents about the release of funds, they can't do anything about it. Though there was nothing to sign in the first place. The notary double and triple checked the documents. I told them I'm going to file a complaint against them about this since the documents that I need to sign came from them. They were so unprofessional. I hope I still get my cash out because my next step would be to sue them for breach of contract if they don't release my funds.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been trying to dispute this with trans union and XXXX  but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but trans union/XXXX  refuse to allow me to dispute again.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 U.S.C 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted 5th 3rd bank, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted 5th 3rd bank to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.
Consumer complaint received 2020-06-30
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. (AL)

I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXXI/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.
Consumer complaint received 2024-10-03
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. (GA)

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2020-06-29
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. (NY)

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Consumer complaint received 2020-06-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I've contact Infiniti FIN SVCS several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$2700.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.