davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (CA)

When I reviewed my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Consumer complaint received 2024-04-30
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

XXXX XXXX CFPB, I hate to keep coming to the federal regulators for my problems. However, the situation regarding my home and how the mortgage process has occured is just unbearable for me to continue be harmed by the transaction. 

My complaint is, I have now additionally been marked as 30 days deliquent on my credit report by XXXX XXXX. This is a lot, and I take my credit seriously, as well as my federal security clearance. I feel that by me bringing this awful situation to bare to each of the agencies, I am still not being handled equitably and fairly. My situation, I imagine is XXXX of XXXX mortgages. Penny Mac has not treated me with the care as a combat XXXX XXXX  who already has a problem with his house and quality based on a falsified use and occupancy report, and county officials not performing their job to enforce the standards. Penny Mac has been given most of the evidence provided to the FHFA for a review of my fraud claims. I kindly request intervention with Penny Mac, because I am not in the space to keep chasing down people to stop harming me. I am working through this process as best as I can. The foreberrance request is as a result of me having to hire lawyers to navigate this intricate civil/criminal matter by the builders XXXX XXXX XXXX XXXX and Draper and XXXX. I do not need my credit dinged for something I had no bearing to influence, until after discovery.

I am a victim of mortgage fraud by the builder and county as a result of skipped required inspections, home not in ADA compliance, and county refusing to enforce local, state, and federal regulations. Despite involvement at all levels of government regarding this tragedy, Penny Mac does not seem have the resources to ensure the unfortunate sitaution I am in is handled delicately. I applied for forberrance through Penny Mac Mortgage Services formally in XX/XX/year>, and was supplied with documentation to resubmit based on my telephone conversation. I opted to hold out from apply, and made all mortgage payments until XX/XX/year> on time. I was denied, and then later approved for forberrance through Penny XXXX XXXX XX/XX/year>. I spoke with Penny Mac on XXXX XX/XX/year> to request a written approval of the plan, a document I have yet to recieve. 

However
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I sent over a debt validation letter to LVNV FUNDING LLC stating I'm not the owner of this debt. I Sent this letter on XX/XX/year>, to LVNV FUNDING LLC also to XXXX XXXX XXXX, who now handles this debt. This debt has been sold multiple times, and I'm still waiting for a response. It is for an amount of {$630.00}.
Consumer complaint received 2024-05-01
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)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} GRAIN XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

After filing numerous complaints directly to them and through the CFPB and the office of the comptroller of the currency, in an attempt to negotiate the fees, Wells Fargo closed my account in retaliation. They will say otherwise, but it happened the day that I received my response from this agency about the overdraft complaint. First they discriminate against XXXX and low individuals and stealing from us and keeping people in a cycle of poverty through fees, then they close accounts in retaliation if we complain. We complain, we face further consequence. I had online/paperless statements and they wont even let me access those to review the account. They shut off my access to that account in its entirety. I fear that they will cut off my others soon without intervention, and possibly steal the amounts in them as well, simply out of retaliation for complaining.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MT)

I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

a total of XXXX XXXX Dollars were wire-transferred from my account in Chase bank and was used in a scam and lost. I sent dispute letters to the bank with no positive result. please refer to the attached letter for more details
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2019-03-27
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America claims that I " jointly owned '' a closed account at their bank but will not furnish information to prove such. This account has harmed my credit. I have requested access to and/or proof of ownership both in writing and verbally XXXX  occasions but they refuse to comply. I have requested this information from XXXX  different associates. 
According to their own policies I am entitled to this information. 
One should not have to go to this.
Consumer complaint received 2023-07-07
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: American Credit Acceptance, LLC (MD)

In accordance with the Fair Credit Reporting Act, the creditor American Credit Acceptance Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (TX)

I am writing to report Mercedes Benz Financial collection practices. I have received 9 calls between XXXX, and often within XXXX minutes of the previous call, for a payment that is XXXX  days past due. These calls start daily at XXXX and each one leaves a lengthy message. The constant calls coming in are during my workday and have become disruptive.
Consumer complaint received 2018-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (KS)

I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (NY)

On XX/XX/XXXX, the civil court Summons was left under my apt door. The person who was sued was spelling same name as my name but the address was located at XXXX XXXX XXXX XXXX NY XXXX. I checked XXXX XXXX websites the wrong address, PNC Bank account and XXXX XXXX XXXX account with debt of {$7000.00} was listed. I was shocked because that debt had nothing to do with me. I live in XXXX with Zip code XXXX since XXXX and nerve move out. I nerve know PNC Bank until I saw the Summons. I nerve know that address until listed on the Summons. The XXXX XXXX at Fraudulent Dept reported that the person in XXXX used my SSN and personal Identities to opened credit account and check account in PNC bank. Therefore I reported ID Theft and called PNC Bank Fraud Department with Refence # XXXX and reported to XXXXXXXX XXXX XXXX with Reference # XXXX. I wish the Lawsuit could be dismissed and my credit history could have a clearance
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I have a closed complaint and a follow up open complaint with this company. Their response to the open complaint is to contact them via a phone number they provided in their response. The phone number leads to an automated answering system. They have an option to speak with a human to resolve the issue but I am disconnected every time before a human answers.

I had set autopay up based on the original payment amount for my student loans. After this, and without my authorization, the company changed my payment plan to one with a much higher monthly payment. They then continued to withdraw from my account at this much higher amount. This was a mistake on their part. They eventually admitted to the mistake and lowered my monthly payment, but are unwilling to give me a credit or refund for the amount they withdrew by mistake.

Consequently, I am ahead on my monthly payments. However, because they are not offering a credit or refund, I can not easily afford to continue paying monthly payments right away as they state they require. 

Their customer service is unreachable via telephone as stated above the email responses I receive have digressed into simply asking me to make monthly payments as scheduled ignoring the fact that I am unable to do so because of their mistake.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I am writing to file a formal complaint against Navy Federal Credit Union for their negligence and refusal to reimburse me for fraudulent charges made on my account. 

On XX/XX/2023, I discovered that my debit card had been stolen and used to withdraw {$5000.00} from my account without my authorization. I immediately contacted the police and filed a report. I also contacted Navy Federal Credit Union to report the fraudulent activity and requested a refund of the stolen funds. 

Despite providing evidence of the theft, including the police report and the conviction of the individual responsible, Navy Federal Credit Union has refused to reimburse me for the stolen funds. I have been fighting this issue for a few months, and as a result, I have lost my house, my car, and custody of my children. I've been suffering from XXXX XXXXXXXX and still have not been able to recover. Navy Federal Credit Union have ruined my life my kids meant the world to me and now they are gone and thus situation has made me homeless and I no longer volunteer at the XXXX XXXX  which I loved Furthermore, Navy Federal Credit Union is also refusing to provide me with copies of the dispute documents, which I need to gather evidence for the lawsuit I am planning to pursue against them. This lack of cooperation is hindering my ability to seek justice and recover the funds that were wrongfully taken from me. 

I have been struggling to find an attorney willing to take on my case due to the complexity and the lack of cooperation from Navy Federal Credit Union. Their actions have destroyed my life, and I am feeling hopeless and desperate for a resolution. 

I am seeking your urgent intervention in this matter to ensure that Navy Federal Credit Union is held accountable for their actions and that I receive the reimbursement that I am rightfully owed. I implore you to investigate this issue thoroughly and take appropriate action to address the bank 's negligence in protecting my account and their refusal to provide crucial documents for my case. 

Thank you for your attention to this urgent matter. I greatly appreciate any assistance you can provide in helping me seek justice against Navy Federal Credit Union.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The card account is reporting incorrectly on my XXXX  report as a closed collection account. The Neiman Marcus account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.