davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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: NAVY FEDERAL CREDIT UNION (WA)

XX/XX/year> my husband and I authorized NFCU to pull credit for mortgage loan. Several weeks later we seen they pulled additional time on XX/XX/year> with NO consent. They will not provide any documents to support such approval so we can dispute. When we dispute they deny doing so even while credit report shows they have. 


one credit application left us 2 Hard Inquiries on our credit report
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

My credit report shows a new erroneous balance entry of {$34000.00}, posted by XXXX XXXX XXXXXXXX, which was reported on XX/XX/year>. When I contacted XXXX right away, they told me that the issue will be fixed in 90 days and that it was a duplicate entry brought on by their move to a new web platform. They claimed that Experian was to blame for the problem and that they did not experience it, which I told them was unacceptable as it was negatively affecting my credit score. I tried to call Experian, but I've been on hold for a very long time and they won't answer their phones. Please help me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (IL)

Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on this matter.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (NC)

The company refused my request and refused to reduce the interest rate because of credit. However, if records are checked, I am always making my payments on time not only with the credit union, but with my other charge account, I will never be able to reduce my payments if the interest rate continues to rise what can be done to help a consumer survive in this economy with companies gouging money that is being paid on accounts. Surley there is something that can be done. Thanks. The company I am referring to is Navy Federal Credit Company. My account number is : XXXX
Consumer complaint received 2024-08-23
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

On XXXX of XXXX thru XX/XX/XXXX we were in loss mitigation. During this time Freedom Mortgage inform us not to make a payment until the mitigation was complete. The mitigation was complete on XXXX however Freedom Mortgage penalize us for being late as it says on my credit report. They also don't show any payments we've made this year. We made on-time payments XXXX, XXXX, and XXXX. We then paid off the loan in XXXX, XXXX.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (NJ)

Since XX/XX/year>, I have reported my Alphaeon credit card as lost five times, yet I have still not received a replacement. Despite multiple attempts to resolve this issue through customer service, I am consistently given vague responses without a clear path to ensure I receive my card. This has left me frustrated and concerned about the lack of accountability and resolution from your team. 

Each time, my request appears to be met with scripted answers and no actionable follow-up. There has been no acknowledgment of the repeated errors on the banks part, nor have I received any apologies for the prolonged inconvenience. Moreover, my attempts to escalate the matter to a manager have been met with disconnected calls and no callback or further assistance. 

This experience has left me questioning the banks commitment to customer service and basic operational capability. I expect immediate intervention to resolve this issue and ensure a replacement card is delivered promptly. Additionally, I request written confirmation that my concerns are being escalated to senior management. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

iam victim of identity theft from close relatives and my x fianc i was XXXX in XXXX iam in XXXX XXXXXXXX i come back and i was trying to buy a car they pulled my credit and i found a bunch of accounts on it i contacted the creditors and mailed them and no response and then i contacted the credit bureaus and no response this is an improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i was XXXX and no one responded please remove these accounts and here is my tracking numbers : XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC (TX)

RE : you violated the us code law TILA 15 u.s.code 1666 ( B ) billing Recently I checked my credit report and noticed multiple billing errors under 15 u.s. code 1666 ( B ) ( 4 ) the creditor failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor ( 5 ) a computation error or similar error of an account nature of the creditor on a statement As I know the creditor didn't notify me 21 days before with a statement so there should be no late payment on this account.i demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consume
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-27
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: CONTRACT CALLERS INC (NC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (ND)

XX/XX/year>. XXXX XXXX XXXX XXXX  acting on behalf of Midland Credit Management XXXX placed a garnishment on bank accounts without proper notification. Furthermore, 1 of the 3 accounts is a business account under its own XXXX and another of the accounts is a joint account. Joint account is used solely to pay the mortgage of my family home. A claim of exemption was filed both with XXXXXXXX XXXX XXXXXXXX and with my financial institution ( XXXX XXXX XXXX  ). XXXX XXXX Bank claims that a release is needed from XXXX XXXX XXXX, and XXXX XXXX XXXX stated it will take, and I quote, " at least XXXX hours to review ''. I find this to be unacceptable both on the part of XXXX XXXX XXXX and on XXXX XXXX XXXX.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

Called to request Payment hsitory information to request a refund of overpayments due to my loan being forgiven for being in repayment for over 20+ years. I began repayment XXXX, and made regular payments. My loan forgiveness date is effective as of XX/XX/XXXX. It should be effective in XXXX. With the correct effective date I would be entitled to a refund of all payments made from, minimally, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This like my 3rd time sending a complaint in about Experian and how they are going against consumer laws and nothing my report changes it still the same I need these attached items removed immediately or we will take Court Action recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately : 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 XXXX
Consumer complaint received 2024-09-12
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. (TX)

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I paid my XXXX XXXX XXXX card balance of {$7700.00} with a check made out XXXX XXXX XXXX XXXX and sent to their XXXX, AZ payment processing center. Approximately a week later the check was cashed and cleared my account. The next month my card statement listed the accounts delinquent with no payment applied. I took a copy of the caged check to my local XXXX XXXX branch where they told me the check was signed over to another party and cashed and they would start an investigation. XXXX months later they contacted me and asked me to file a police report on the incident which I did at the XXXX Police Dept. report # XXXX. The bank the check was written on XXXX XXXX XXXX after XXXX months refunded the {$7700.00} to my account and I paid the XXXX XXXX balance. 
XXXX XXXX never replied as to the outcome of their investigation and I closed the XXXX XXXX credit card account. Now I find that XXXX XXXX listed the account as delinquent during their entire investigation period even though the branch manager told me not to pay until my bank refunded my money. XXXX XXXX 's action caused a XXXX point drop in my credit score preventing me from purchasing a vehicle at a promotional finance rate.
Consumer complaint received 2023-07-29
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. (GA)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (MI)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MN)

I got a collection phone call when I was in my car from my mortgage service company on the morning of Monday, XX/XX/year>. They said they had not received my XXXX mortgage payment yet and wanted me to make a payment. I pay using my bank 's online bill pay system and have done so for years. I really lost my temper with their collection people because I felt like they were being very condescending and not taking this issue of the missing payment seriously.

Later that morning I called my bank and the credit union confirmed the payment went out to NewRez on time, wasn't returned, and gave me a financial transaction tracking # of XXXX. I phoned NewRez. I spoke to XXXX XXXX XXXX NewRez who was helpful and opened a lost payment case with an internal # of XXXX. It's coming up on a week and I still don't know what happened to the {$1600.00} I sent to NewRez. 

I just got my statement for XXXX and they want double the normal payment plus late fees. I'm not sure what else to do. I feel like NewRez is constantly sending me marketing emails to cash out equity or refinance, but they don't bother to send me an update on my missing payment. As a mortgage servicer, they have all the power in our business relationship -- but I believe they are required by Federal regulation to promptly accept and document payments. I'd like an update on what happened, where my money went, and how they are going to fix their problems processing my payments so it doesn't happen again. Thanks
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.