davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (PA)

My name is XXXX XXXX, this is my SECOND time reporting this request. I ask to have the following account, names and addresses listed REMOVED IMMEDIATELY as they're reporting inaccurately. I am a victim of identity theft and DID NOT make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX. The names listed in my report are incorrect and do not belong to me. Please see my drivers license and social security card. Please remove the name reported incorrectly. 
Names reported : XXXX XXXX XXXX XXXX My current home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AR)

Yes I have call the bank every since XXXX trying to resolve this issue but no will listening to what I am saying and it because of the large amount of money that was putting to my checking account. I have talked XXXX XXXX and he told that I will not get my money back the bank is waiting for someone else to claim the money. it all started when Mr. XXXX who owed me some money and he put the money into my XXXX account. I found out from Mr. XXXX XXXX who is the XXXX   fraud department manger that money was stolen from someone else I don't know how it was done. But I call SunTrust and asked them to please returned the money back to XXXX the total amount was XXXX and it postal on the bank statement showing that it take out in two payment of {$2000.00} each. But Just because he XXXX asked for that money back SunTrust decide that all the money that was in my account was Fraud which no true. I send SunTrust my balance statement show the transaction. I received a wire into my account from XXXX XXXX XXXX in the amount of XXXX and XX/XX/XXXX plus XXXX income XXXX  wire transfer on XX/XX/XXXX. My husband brought XXXX from XXXX XXXX  we deposit it on XX/XX/XXXX in SunTrust Joint Account. I transfer XXXX to my saving account on the XX/XX/XXXX from the joint account. XXXX was take from the joint account out the XXXX to pay XXXX bill and On the XX/XX/XXXX XXXX XXXX. XXXX send me XXXX and with other money in the account it was a total of XXXX That SunTrust is holding and my Saving account has a total of the XXXX and some money is Church tithes Money and I don't know why they are still holding all my money I give them document prove that money is legal can you please help me. If you know on the bank statement that money that was come into the account was wire into the by individual in side the bank and if you look at the bank you will notice I did a electronic transfer from XXXX to my SunTrust. That is only things that needs to be returned.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (MD)

Received notification that I was in collections for an unpaid medical bill. I moved from XXXX  to XXXX, but not all of my mail was forwarded. I was in contact with XXXX XXXX  XXXX as there was overlap in their billing and my paid deductible. While XXXX had all my contact information they chose not to contact me and sent the debt for collection through PennCredit in XXXX, XXXX. 
Despite what XXXX and my Insurance carrier have provided I wanted to keep my credit in good standing so I agreed to pay $ XXXX. To date I have sent several payments, XXXX was returned by the USPS as undeliverable ( I later confirmed the address was correct ). Penn Credit refuses to change the balance due on my account, my emailed messages to their representative go unanswered and a telephone call initiated by me to solve the issue was interrupted by a supervisor who used bullying tactics so I ended the call. To date no one has contacted to me nor has the balance due changed on my account.
Consumer complaint received 2024-07-02
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. (NV)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-05
Product: Credit 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: WELLS FARGO & COMPANY (SC)

I submitted a complaint for fraud on my debit card for multiple charges totaling {$11000.00} on claim XXXX with Wells Fargo under CFPB complaint XXXX. 
From what Wells Fargo is telling me, a person used my debit card number to set up an unauthorized XXXX account and ordered gift cards. Wells Fargo has yet to send me the information in writing other than a letter that states they found the charges to be either made by me or someone who had my permission to use the card. This is false and I did not give my card to anyone or give anyone else permission to use it. I also called XXXX and they told me that they sent all the information to Wells Fargo and the bank would have to disclose that info to me. Wells Fargo denied my claim for fraud and says they will not refund the fraud charges. I need the info that XXXX sent Wells Fargo so I can file a report with the police and I have yet to get the info from Wells Fargo. A Wells Fargo supervisor by the name of XXXX verbally told me the names used for the fraud orders and said that XXXX has sent them all the info and they supposedly have ip addresses and delivery addresses and pictures of the fraud gift cards that were ordered. Wells Fargo has not been helpful in sending me the info I need to file a police report and they have denied the fraud charges to reimburse me. I will be filing a police report in an attempt to prosecute the offenders and then get legal counsel to get my funds credited from Wells Fargo. Wells Fargo has made it difficult to get the info on the fraud and the process has taken way to long and they could have made it much simpler. I will also reopen the request for reimbursement of the fraud charges with Wells Fargo after the police starts their investigation and ultimately makes arrest on the fraud perpetrators. Wells Fargo tells me they made a resolution to my request which is a denial of reimbursement of the fraud charges and this is not acceptable!
Consumer complaint received 2024-08-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hold money with a XXXX percent Annual percentage XXXX ( XXXX ) in the XXXXXXXX XXXX XXXX XXXX. I saw in an advertisement that Capital One 360CD proposed 5.1 % Yield. I transferred to Capital One 360 CD bank {$100000.00} from the XXXX on XXXX XXXX. I saw in bank statement after 1 month that Yield is around XXXX percent. I call the clerk, and she explains to me that money will add months by previously months. I check the bank statement again on XX/XX/XXXXXXXX XXXX and I saw that XXXX is XXXX. I call about this online PH # XXXX XXXX XXXX to clerk XXXX ID XXXX He told me that he checks accounting calculation, and everything correct. He refuses sent me result calculation. Please, help me. The Capital one Bank will steal my {$1000.00} for 10 months
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is in XXXX XXXX XXXX XXXX I am writing this complaint XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX, Navy Federal Credit Union, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the XXXX XXXX XXXX XXXX XXXX Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

XXXX TRACKING NUMBER : XXXX
Consumer complaint received 2024-07-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (PA)

I am writing to bring to your attention an issue I have encountered with Navy Federal Credit Union regarding my recent application for a home equity line of credit ( HELOC ). 
On XX/XX/2024, I submitted an application for a HELOC with Navy Federal Credit Union. I supplied all requested documentation promptly as well as paid out of pocket {$1500.00} for the required repairs and appraisal. I believed I met all criteria outlined for approval. However, on XX/XX/XXXX I received a denial letter, according to Navy Federal Credit Union ( unable to verify my residence ). Prior to my application being denied I spoke with XXXX XXXX and she stated the loan for my property would be 10.5 % because they classified it as a rental property because I did not live there full time. I told her that I would accept the terms for that interest rate and asked for the loan amount requested to increase to the maximum. I was required to have Navy Federal Credit Union as the first mortgagee on my home owners insurance which was also done in a timely manner. I was told to appeal the application because I was concerned about decision and why it was denied. The denial letter did not provide sufficient explanation for the decision, which has left me concerned and confused about the process. 
I believe that my financial situation and creditworthiness align with the requirements for a HELOC, as outlined by Navy Federal Credit Union. I have an established income and a positive credit history, which I provided evidence of in my application. I have been a long time customer at NFCU and have had substantial amounts of money in my account. Therefore, I am requesting a review of my application by the Consumer Financial Protection Bureau to ensure that it was evaluated fairly and in accordance with all applicable regulations. 
Enclosed with this letter is a copy of the denial letter from Navy Federal Credit Union. I would appreciate it if the Bureau could investigate this matter and provide guidance on any steps I should take to appeal the decision. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (KY)

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

upon reviewing my credit report, I noticed some inquiries that I did not make, I called the bureau and told them about this, and they said it was a statement of fact and that they had nothing to do with it. the inquiries I have are shown below XXXX. XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX I did not make these inquires, they need to be removed from my credit report
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello to whom this letter may concern, My name is XXXX XXXX last 4 of my socialXXXX I applied for a navy federal account where they gave me the run around for weeks about documents and i had to call in over 50 plus times to make sure they had the documents. I finally get a navy federal account and I noticed that they didn't even put my XXXX dollars that I sent over for my bank account to be open. So i decided to go in a branch where me and my brother XXXX XXXX ( sponsor ) went into the branch and I tried to pay it only to find out that my account had been closed .No reasoning or anything just some information that was incorrecta simple mistake that could have been fixed. Instead, they decidedto restrictmy account. I explained I didn't know what the issue was as I have never had a accountwith navy federal this has left me in distraught as I closedmy bank account with XXXX  and was planning on movingmy business accounts to navy federal now im outof luck I'm asking can you guys please look into this issue the correct way. I have never heard of a bank to ever do this in my entire life .Please I'm asking that you guys unrestrict my account I never had any problems with any bank this was my first time. My child father who is in the XXXX suggested that I get a Account because it would be easier also for him to send payments wile XXXX XXXX XXXX and set up our child rust fund. This has really put a toll on me
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime (TX)

1.Aggravated identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (FL)

Back in XXXX XXXXXXXX was offering something called a debt cancellation clause. It is completely different from gap insurance or any other XXXX warranty that they provide. 

At the moment, XXXX took full payment for my debt cancellation clause Now, when I am trying to use the debt cancellation clause, which they took payment for they are denying it. 

My son purchased a XXXX XXXX from the same dealership a couple years after And we noticed that it is the same agreement and that they no longer offer the cancellation clause for vehicles that are being financed. 

It is very obvious that this is a product for the product that they used to serve and are no longer doing it. 

Unfortunately, they told me that if I ever needed exercise, I would need to purchase it. It was completely optional, and I still made payment for it just in case something ever happened in the future now that I am trying to exercise the debt cancellation clause, XXXX wants to act like it doesnt exist, but it is clearly stated inside the contract.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (NY)

I received a phone call at XXXXXXXX XXXX XXXX. I responded, forty minutes later. I inquired, what the company did and they refused to provide any information until I confirmed that I was the person they were reaching out to. I asked for an email address to correspond with them, because I was concerned that it might be a scam, and did not want to provide any personal information to a random number that was calling. They refused to give me an email address or confirm what they did. I had to look up online, what the company does, what their function and role are, and then I had to look up the consumer finance department. To file a complaint. They were less than helpful and hung up on me four separate times. I was just asking for information about what the company did, and i even told them I had just had XXXX that day and needed an email address to correspond with them, because I was unfit to talk on the phone, and they refused until I would admit I was or wasn't the party that they called in the first place.
Consumer complaint received 2024-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

Student loans that should of been Federal Loans went to private loans in XXXX there were XXXX loans totaling {$60000.00}. We have all other loans that are federal for XXXX students. Navient made this mistake like they did for many other students during this period. We were not disclosed the interest rate as well. Many phone calls were made to no resolution. For the last XXXX years we have been making payments. Our current loan dept. is {$60000.00} at an interest rate of 14 %. We have already paid {$60000.00}. but still ow {$60000.00}.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX identity thief 18 USC 28a 2.Security fraud 18 USC 1348 3. Extortion 10 US code 927.127 Company is in violation tried to get Company to resolve conflict. I want a thousand dollars per violation and removed inaccurate reporting from credit.
Consumer complaint received 2024-09-23
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: American Credit Acceptance, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year>XXXX  American Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX Subject : Cease and Desist All Communication Dear American Credit Acceptance, I am writing to formally request that you cease and desist from all communication with me, including but not limited to phone calls, emails, and mail correspondence. Additionally, I request that you refrain from any communication regarding my account through my XXXX consumer report. 

This request is made in accordance with Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting consumers if they have been requested to cease communication. 

Please consider this letter as my official notice to halt all forms of communication. I expect to receive confirmation that you have received this request and that you will comply with my wishes. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC (FL)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy, under 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions and under 15 USC 1666 B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

In XX/XX/, United Wholesale mortgage reported a late payment. 

Additionally, at the time of the reported late payment I was infected with XXXX  and under the protection of the CARES ACT, it prohibits lenders from reporting negative information to credit reporting agencies. 

I have tried numerous times to get this resolved directly with UWM, but all they do is send a generic response every time.