davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I received my Annual Escrow Analysis on XX/XX/2023. My lender, Navy Federal Credit Union advised the amount applied to escrow needed to increase to satisfy the anticipated escrow disbursements for the following year. The amount quoted was {$2000.00}. I was given the option to pay that figure in full or pay the amount over a 12 month period with an increased monthly mortgage payment. The new payment schedule was to begin on XX/XX/2023. 
On XX/XX/2023, I paid the full escrow " shortage '' of {$2000.00} in addition to my regular monthly payment of {$1500.00}. Navy Federal mailed a new monthly mortgage invoice on XX/XX/2023 acknowledging the additional escrow payment and my regular monthly payment but still noted I was due to make the increased monthly payment of {$1800.00} on XX/XX/2023. I called Navy Federal on XX/XX/2023 and requested explanation for the increased payment. If I have paid the escrow in full, there should not be an increase of my monthly payment. The representative could not provide any other explanation other than, there are other fees they account for that may need to be paid. I asked for examples and she provided only " if '' a special tax assessment is made. I explained those are sent to the homeowner and not the mortgage company. I also asked for the correct escrow amount as I did not want my payment to increase. She could not provide that amount but also did not offer to return the additional escrow payment. I requested a return call from a manager or supervisor. As of the date of this complaint, I have not received additional communication from Navy Federal.
Consumer complaint received 2024-07-29
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: BROKER SOLUTIONS, INC. (GA)

I sent letters via certified mail to New American Funding on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the following information : advise who is the Promissory Note Holder in Due Course for Loan # XXXX 
please arrange an appropriate point of inspection for the Promissory note, in XXXX, XXXX XXXX, Georgia Please allow me to inspect the original promissory note ( A COPY, STATEMENT LEDGER, AN AFFIDAVIT OF LOSS OR ANY OTHER FORMS WILL NOT BE ACCEPTABLE ) with my original wet ink signature, as required by law, for Loan # XXXX  per USC Title 18, Part1, Chapter 101 Section 2071.

proof that New American Funding is an actual creditor according to Generally Accepted Accounting Principles along with the GAAP book entry debit evidence of the alleged loan transaction ( a creditor needs to show true double-entry accounting debits of the loss as a result of the issuance of a loan to a BORROWER ).

proof ( copy of the canceled check, bank receipt, or wire transfer transmission number ) for the loan that was allegedly paid to " BORROWER '' on XX/XX/XXXX advise where the funds for the loan originated AND to what account was this alleged loan transferred or deposited, to which BORROWER would have been given access to stated funds. 

I requested New American Funding to provide the requested information point-for-point within 21 days of receipt of each letter. They were advised that failure to respond to the letter with ALL the requested information, point-for-point will be taken as an administrative default as per the Administrative Procedures Act of XXXX. 

The response I received from XXXX was a copy of a promissory note, a copy of a security agreement, and a printout of the transaction history of the account but NOT the information I requested.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 
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 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I wrote to XXXX, XXXX XXXX and Equifax to correct the information that they were reporting and have it removed. XXXX somehow disagreed and Equifax and XXXX XXXX failed to respond within the time allowed. I filed a small claim against the three bureaus.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UMB FINANCIAL CORPORATION (NJ)

I recently became unable to seek gainful employment due to my XXXX. I am currently receiving general assistance. Being unable to work has caused an economic hardship on my way of life.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (NC)

I discovered a debt added to my XXXX XXXX report on XX/XX/XXXX - the collection appears to be reported on XX/XX/XXXX. The collection is listed from XXXX XXXX XXXX for {$9100.00}. This is the first I've heard of this debt. I do not know what it is from. I suspect it is related to a string of identity theft incidents - I have reported over 8 incidents since XX/XX/XXXX.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (LA)

I WAS A VICTIM OF IDENTITY THEFT ON XXXX, AND I FILED MY FTC REPORT ON THE SAME DATE WITH MY FTC NUMBER # XXXX. I AM REQUESTING THAT THIS ITEM BE DELETED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS PER XXXX5 USC 1681C-2. I HAVE ATTACHED MY FTC REPORT BELOW FOR YOUR REFERENCE
Consumer complaint received 2024-06-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (GA)

Paypal sent a request for me to apply for a business line of credit on XX/XX/2024 saying I was eligible for a loan. I have worked with them for 10 years with XXXX XXXX XXXX XXXX, and have paid back on time over XXXX of loan amounts with businesses. 

They said it was a soft pull so I am expecting to not see them as an inquiry. 

they turned me down using not true data and credit scores of XXXX with XXXX. 

Key factors ( see attached ) show credit lateness which I have none show debt ratio off, which i have 30-50 % with all credit and not long term credit -- I am XXXX and my XXXX report shows me with exceptional credit with long term credit, i have had credit for over XXXX plus years ... ......
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

Chime refuses to acknowledge a fraudulent transaction on my account. Their investigative team disregards any and all evidence by providing an invalid link to support any uploading documents from going through. Its a scam. Supervisors wont help nor does names of these supervisors or even the ticket number for the call. My fraudulent charge is a felony. I made a XXXX claim and an FBI report on said fraud. Even after cancelling my card, someone continued to try and make hundreds of dollars in purchases that were declined.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (MD)

Blinc Loans is a predatory loan that has been consistently reporting my loan late on my credit report for 18 months. They will not stop reporting it late, and they do not communicate properly. I have been unable to set up payment plans without them wanting my checking account information and paying the entire past due amount. This has been going on for 18 months. This company consistently denies my request to close the loan. This has been going on for almost two years.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/year> a merchant charged {$1200.00} to my debit card. My debit card was in my possession at all times, The merchant gained access to my debit card information erroneously. I have never done business with this company and I did not give my debit card to anyone to give to this merchant. as soon as I noticed this charge I notified my bank Navy Federal Credit union. instead of investigating the facts they sided with the merchant and will not refund my {$1200.00}. I have appealed this decision over and over and have gotten no where with the credit union. I have tried to contact the merchant but they have blocked me from calling them.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX2023 an online donation was made in the amount of {$2500.00} to the XXXX XXXX in XXXX XXXX, Florida which was unknown to me and discovered that charge on XXXX XXXX, 2023 however the Truist Bank would not open again until XXXX  XXXX, 2024 I immediately went to the bank to dispute this charge and close this debit card. XXXX Bank replied by denying this dispute stating that it was not reported within a XXXX period. This reply was shocking to all the personal at this Truist Branch in XXXX XXXX, Florida as well as the branch XXXX and XXXX XXXX the Relationship Banker. I reached out to the XXXX directly several times to verify who presented this donation payment to them but they replied to dispute the donation with my bank.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Subject : Complaint Against Portfolio Recovery for Fair Credit Reporting Act Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Portfolio Recovery has reported several derogatory remarks on my credit report without providing any prior notice or correspondence regarding any alleged debt. I have never conducted business with Portfolio Recovery and have no knowledge of owing any debt to this company. 

These actions have severely impacted my credit score and financial well-being. Despite my attempts to resolve this matter directly with Portfolio Recovery, I have received no satisfactory response or verification of the debt. According to the FCRA, I am entitled to a fair and accurate credit report, and Portfolio Recovery 's failure to validate the debt or notify me of its existence is a clear violation of federal law. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter promptly. I demand verification that the debt is owed to Portfolio Recovery. If such verification can not be provided, I insist that all derogatory remarks be removed from my credit report immediately. If this issue is not resolved, I will have no choice but to pursue a civil suit to enforce my rights under the FCRA. I will have attached documents reflecting the Creditor reporting numerous erroneous remarks. 

Thank you for your attention to this urgent matter. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2024-08-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (AZ)

At XXXXXXXX XXXX, I received an email from XXXX XXXX  informing me about a hard inquiry on my credit report. I checked my credit report and it states that SYNCB/Sams Club ran a hard inquiry. 
I have been at work all day, there is camera proof of myself at work. 
I submitted a dispute with XXXX as an unapproved inquiry. 
I then attempted to call my local Sams club to get information about the hard inquiry. But there was no answer after calling 5 times. I called the customer service number ( XXXX ) and I was told they had no record of this. So Sams club customer service transferred me to Synchrony Bank. The reference number for this call is # XXXX With Syncrony Bank , after confirming my information, I was told they had no record of me for a hard inquiry. I went over the same information. They said it was on XXXX to fix. The reference number for this call is # XXXX I then called XXXX. And they confirmed that there was a hard inquiry done at Sams Club with synchrony bank. And I was advised to file a fraud claim on this. 
My credit score has been impacted because of this situation.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (AL)

National Credit Systems , Inc. identified me of the debt via mail. They then contacted my brother by phone and left my personal information on his voicemail regarding the debt balance owed, the dates I resided at the residence etc. and my brother is not a party to the account. 

Credit Company : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX  XXXX Balance : {$9100.00}.
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have been a victim of identity thief for 3 years, the FTC can attest to that, and this is the only company whom I have no business with that refuses to do what is fair and equitable to me as the consumer. This company continues to commit fraud. I want this company to cease and desist reporting on my credit reports and never contact me again in any way, shape or form. Per the FCRA I did not grant this company any of my personal information, so I would greatly appreciate if you removed them from my credit reporting. Lastly, I have done a UCC 11 and no results were found, which means I owe/have no debts. THANK YOU.
Consumer complaint received 2024-04-18
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. (MD)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (CT)

I leased a new XXXX XXXX XXXX and extended the lease in XX/XX/XXXX. In XX/XX/XXXX I " downed '' the vehicle after extensive work to it, new tires, brakes, detailing inside and out. Despite the new parts, after a multi system failure, and providing all the receipts in the vehicle as well as sending them to Ally Auto, the vehicle sold at auction for {$13000.00} and Ally never sent me notice of this until many days after the fact. 

There was an over mileage fee, but i felt the XXXX would do well at auction. In fact, for my XXXX XXXX XXXX, one of about 9 vehicles, leased through Ally Auto, they sent me a check for {$5000.00} or so -- after the vehicle was sold at auction and the over mileage penalty absorbed. 

I paid this lease for the XXXX in full along with the property tax and was allowed to get an extension as a result. 

Ally Auto reported to my creditors and FICO that I paid for less than owed in settlement, but this is not true. This is a false, misleading statement, that betrays the public trust. 

I paid the over mileage fee for less than owed. They offered to settle with me for about {$2500.00} of the {$4300.00} owed --. 

But. The lease itself was paid in good faith, in full, as was the personal property tax. However, Ally Auto is leading my creditors to believe that I somehow turned in the vehicle early and then settled on the debt in its entirety. This false reporting to my creditors without context is illegal.
Consumer complaint received 2024-08-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX was sent a debt validation letter furthermore making this entity share my information with AMSHER COLLECTIONS who has also not validated said debt with alleged original creditor XXXX who is in violation of sharing my personal information without my consent. Moreover federal procedure of evidence XXXX hasnt been followed to produce original instrument of debt and my ownership of said claim.
Consumer complaint received 2024-05-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (CO)

XXXX XXXX XXXX XXXX.was the debt collector for one main financial. I have a court order. For them to garnish {$50.00} every 2 weeks they told my job that I have to pay 20 % of wages to one main financial I have a court order {$50.00} every two weeks my job garnished {$290.00} which isn't the court order I didn't even know XXXX XXXX XXXX XXXX.isnt collecting the debt anymore they never sent a letter to my address. I found out today because I got paid seen the wage garnishment of {$290.00} taken out my check. We have a court order that should be followed.
Consumer complaint received 2023-12-20
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IN)

I have filed XXXX complaint XXXX against PNC. I was scammed out of XXXX on XX/XX/26 and I am not so sure this wasn't an inside job. I have been told XXXX  times that the money was still at the wiring company while they investigated the dispute. Then when I push them as to why they would not return this money when they knew I had been scammed out of it they send a letter on plain white paper saying they were unable to get the money back. Not on PNC letterhead which also made me suspicious. 

This bank has handled this very poorly and I don't know who to trust there anymore. I dont know if I am taking to the bank or a scammer. I feel they are putting me off hoping I will go away and it's not going to happen. I am going to contact an attorney this week and discuss it with them. 

I want this bank investigated they put a hold on what little money I have left in my savings account which I was told they can't do that only the acct holders and irs can do that.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

The vehicle on the loan was traded at XXXX XXXX in XXXX, XXXX in XXXX The loan was paid in full as noted on my credit report too. However, Truist Bank reopened the account with a balance of {$700.00}, which has now increased to {$800.00}. Ive called the bank multiple times since XXXX ( over 2 years ) to get answers and to resolve the account ; however, the bank will not provide information. This is an error on the banks part, but they are failing to take responsibility to get this resolved and removed from my credit report.