davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to express my profound disappointment and frustration regarding the handling of my account at Navy Federal. Recently, I was shocked to discover that my account had been closed due to nearly {$400.00} in overdraft fees, despite my efforts to rectify the situation with a substantial deposit of {$550.00}. 

The circumstances leading to this closure are deeply troubling. Over the course of three months, my account was plagued by non-sufficient funds fees, which accumulated unabated. Despite my attempts to mitigate the issue, it appears that the bank failed to intervene or provide any meaningful assistance. It is profoundly disheartening that Navy Federal allowed these fees to accrue unchecked, up to the very moment of account closure. 

As a loyal customer, I had hoped for better communication and support from Navy Federal during this challenging period. The lack of proactive measures to prevent the escalation of fees is concerning and reflects poorly on the bank 's commitment to customer satisfaction and financial responsibility. 

I urge you to thoroughly review my account history and consider the extenuating circumstances that led to this unfortunate situation. Furthermore, I respectfully request the immediate reversal of the accrued overdraft fees and the prompt reinstatement of my account. I believe that this is a fair and reasonable course of action, given the substantial deposit I made in good faith to address the issue. 

Please understand that the closure of my account and the burden of these excessive fees have caused significant distress and inconvenience. I trust that Navy Federal will take prompt and decisive action to address this matter and restore my confidence in the institution. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OK)

Credit Colection Services AddressXXXX XXXX XXXX XXXX XXXX, XXXX, is violating my rights and the law. 
File NumberXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX 15 USC 1681i If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting Act, it is stated in 15 USC 1681 section 602 that consumer reporting agencies, such as XXXX, XXXX and Experian, have a responsibility to exercise fairness, impartiality, and respect for the consumer 's right to privacy. As the consumer, I have the right to ensure that my private information is not shared. This is supported by 15 USC 6801, which emphasizes the obligation of financial institutions, including those that furnish information to credit agencies, to respect customer privacy and protect the security of their nonpublic personal information.

Additionally, 15 USC 1681 section 604 states that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. As the consumer, I have not provided consent for XXXX, XXXX and Experian or the financial institution that furnishes information to credit agencies to share my information, and they do not have my written consent. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as stated in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed of their right to exercise a nondisclosure option. The financial institution did not inform me of this right. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in consumer reports, unless authorized under subsection ( b ), which does not apply in this case. Therefore, the reporting of this adverse item without my permission violates the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are obligated to maintain reasonable procedures, as stated in 15 U.S. Code 1681e, to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. It appears that XXXX, XXXX and Experian are not fulfilling these obligations. 

Lastly, 12 CFR 1016.7 specifies that a consumer has the right to opt out at any time. I hereby exercise my right to opt out of your reporting. 

Please take note of my requests and ensure that my private information is not shared or reported without my consent. Thank you.
Consumer complaint received 2024-06-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I never received a 30 day notice to dispute this debt nor was I informed about the right to dispute it. They called me many times even though I asked them not to call me and then they contacted one of my relatives. I asked them for a debt validation and they only sent me a document that represents the same thing as what it says on my credit report. Also i dont think the have license to collect in florida
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (CA)

I received and email from ( Credit Control ) attached is a screenshot of it. The email said it was in regard to a XXXX XXXX account and told me how to take care of the account online by visiting there website. So I clicked on the link and poof another bill is actually a completely different bill displayed ( from XXXX XXXX ). That seems like unfair collection practices. This ( XXXX XXXX ) other debt has been on my credit report for almost 7 years and soon would have disappear. Now I am afraid that since I clicked on it that it will reactivate the 7 year period. That is not right. 

Please help me. XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

The reinsertion of the negative item on my credit report constitutes multiple violations of federal law. Specifically, the credit reporting agency has violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by failing to notify me within five business days of the reinsertion. Additionally, the debt collector has violated 15 U.S.C. 1692e and 1692c by re-inserting the item without proper verification or communication. Furthermore, the reinsertion was done without the necessary reinvestigation, in direct violation of 15 U.S.C. 1681i. These actions demonstrate a blatant disregard for the legal requirements designed to protect consumers from inaccurate and misleading credit reporting practices.
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Just moved to XXXX XXXX Before then I have other addresses that do not register to me ( I have been trying to dispute the addresses to be Removed as well but he ask me for personal information amd i just answer it but most if the addresses arent mine ) they are just a few addresses that are Facts .... 
I have not done any applications for XXXX XXXX XXXXXXXX XXXX  XXXX and many more And there XXXX several more on my name that I have not applied for or had any interest in ***XXXX XXXX  is the only one that should be on my my name since XXXX I need everything deleted and removed immediately
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC (GA)

A payment of {$1900.00} was applied to my account on XX/XX/XXXX. This is my regular payment plus late fees for the month of XX/XX/2024. It was applied to my balance and made my account 73 days delinquent. I then proceeded to send payment for XX/XX/2024. After payment was sent, I noticed a misapplication reversal on my account which then in turned made XX/XX/2024 late, when it was just showing paid as of XX/XX/2024. I was told the payment was being held in a 'suspense ' account instead of being applied to my balance, and thus showing it 115 days late, when in reality it was sent and applied on XX/XX/XXXX.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

I have a credit card and checking account with Discover. I missed my payment because I have been trying to call and they have blocked my calls. It says We cant service your call l had questions about my checking account and questions about my bill along with other concerns. Someone contacted me on XX/XX/XXXX and I was on a long distance call and asked them to call me back in XXXX minutes but never got a call back. Also l received a letter from someone name XXXX in the Executive Office and that number is blocked as well and I cant get through, Im literally crying because I dont understand why Im blocked and Im a customer with questions and concerns. Plus was trying to make my payment on time.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Hello, I noticed some late payments were charged in my account from XXXXXXXX XXXX. I attempted to pay every time on time and I would receive a message telling me it was accepted. A few days later, the payments did not go through, but instead of letting me know immediately, I was sent a notice the next month saying it was late and I had incurred interest. After attempting to pay twice with incurred interest each time, I called the third month I received a message and paid everything using the same bank account and it went through this last time. Now, I see the reports have been sent the credit bureau despite the late payments not being my fault and me receiving no communication that payments were blocked/stopped/or in any way unable to go through after I attempted to complete them and receiving a confirmation message from the store every time. In accordance 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 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (PA)

In addition to a hand full of FDCPA violations, Conserve claimed they will close their account with me and transferred it back to the creditor after being unable to verify this alleged debt. However, when I got in contact with the alleged credit, it still says the account is with Conserve. This company has lied to me multiple times regarding this alleged debt and now they can't even do the bare minimum and delete my account as they said they would. Delete my account immediately Conserve. Provide me a copy of such deletion request AND send another email and cc me into the email you send requesting the deletion because I do not believe anything that comes from this company after catching them in multiple lies. I need first hand proof of account deletion requestion.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Pra Group XXXX from XXXX, XXXX  keeps collecting on debt that I don't owe. Calling me on the phone, and mailing me. Everytime I speak the company it's XXXX XXXX american women. The Bank XXXX XXXX debt is old from XXXX XXXX. We tried the debt via the court system, and I don't owe per the judge. XXXX XXXX XXXX XXXX judge XXXX. Case from ( 2015 ) I think there is a health problem with the business because the case was tried in 2015 years ago.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (TN)

ispute Reason : Violation of My Rights Under 15 USC 1692g I received an email from your company onXXXX and the very next day XXXX, you placed this item on my credit report without giving me a chance to respond, which is a violation of my rights. According to 15 USC 1692g 809 ( b ), I am well within my rights to request this information. The statute states : ( a ) Notice of Debt ; Contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Violation : Your agency did not send me a letter informing me of the debt. According to the statute, I have the right to a 30-day notice period which begins the day I become aware of the debt, in this case, the day I saw it on my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

There is an account on my credit report with the account number XXXX reporting that I was 60 days late in XX/XX/2022. I was never late on this account and there are no prior late payments reporting so how does this meet FCRA requirements? There should have been a 30-day late payment prior to the 60-day late payment. In XXXX, I did experience billing errors, but I spoke with management years ago and at the time there was no derogatory marks, so I am confused by this misinformation. I do understand that this can be a problem in itself with the CRA 's, but I wanted to reach out to the source. If this is in fact an error on the credit reporting agencies end, please reach out to them to have them fix this error as this is affecting me. I was never sent an information regarding this late payment reporting and I would love if this were updated to paid as agreed, never late, without escalating this matter.
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

On XX/XX/year> XXXX XXXX XXXX informed me by mail of their intention to foreclose on my property in the amount of {$89000.00}. I was informed that I had until XX/XX/year> to dispute the debt or the would assume that their information is correct. On XX/XX/year> I hand delivered my DEBT VALIDATION LETTER to XXXX XXXX XXXX XXXXXXXX for SELECT PORTFOLIO SERVICING as SERVICER for XXXX XXXX XXXX XXXX as Trustee in Trust for registered holders of XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX disregarded my validation request and proceeded to send me a summons to court before I had the opportunity to receive the DEBT VALIDATION INFORMATION that was requested and was never produced.
Consumer complaint received 2024-05-03
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)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I have a crypto wallet with coinbase.com and about 2 years ago they put some restriction about selling or buying anything from my account. I reached out to them several times and opened atleast 5 cases. They asked me to send them my bank statements, income source, my ID and my W2 which I provided to their compliance department at XXXX XXXX XXXX  Below are the support cases I have opened with them so far. Every time I get a response that they are working on it and as soon I disconnect, they closes the case. 

Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 Case # XXXX XX/XX/23 I have provided them every information
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

PNC Bank claimed fraud in my checking account. They put a hold on the account. My Soc. Security was deposited, and I can't access my money. I am living check to check and holding my money puts an untold financial burden me.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (CT)

I RECENTLY OPENED A CHECKING ACCOUNT WITH DISCOVER ON XX/XX/2019. I HAVE BEEN MAKING MINIMAL DONATIONS TO MANY CHARITIES. NOW HAVE, AFTER MY RESEARCH LEARNED 3 OF MY DONATION CHECKS NEVER MADE IT TO THEIR RESPECTIVE DESTINATIONS. I HAVE CONTACTED DISCOVER BANK, FEDERAL BUREAUS, CT DEPARTMENT OF BANKING, WHERE I WAS NOW YANKED TO YOU, THE CFPB. 

THERE WILL NOTBE ANY MORE DONATION CHECKS FROM ME GOING FORWARD UNTIL THE THIEVES, CRIMINALS HAVE BEEN ARRESTED, INCARCERATED. 

CONTACT ME IF YOU REQUIRE MORE INFORMATION USING EMAIL ADDRESS IN THE HEADER. THANK YOU.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It's been over 30 days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.