davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (PA)

I applied for SRCA In XXXX because i was on an XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. It has been going on 4 years since I initially told them about my XXXX status. My current apr is 18.99 % according to SRCA I AM entitled to 6 % apr with any credit cards that were open prior to service. I have had this credit card since XXXX. I have contacted navy federal numerous times regarding the status of my SRCA CHANGE they always say 45 days and it will Apply. Nothing ever changes. This has called a financial hardship because anytime i pay anything on my credit card it ends up being over credit limit due to the amount of fees and interest charges. I find my self paying for a credit card that does not get used.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This whole journey started when my mail was stolen and my new credit card from USAA was stolen and attempted to be used. I contacted USAA about it and requested a new card and let them know that I did not make the charges. I then took steps to further secure my account like changing my password. 

Unbeknownst to me, and without contacting me, USAA placed my account in a security freeze and would not allow outgoing payments. In this time, my power bill to XXXX  XXXX was set to autopay. Without prior warning, or explanation afterwards, my payment to XXXX  XXXX was denied by USAA. This caused me to incur at {$30.00} rejected payment fee and potentially a late payment fee. I am unsure if this is counted as a late payment against my credit. 

I have not been told why my scheduled payment was denied by USAA, nor have they offered a remedy.
Consumer complaint received 2023-08-26
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. (DE)

I was sent a credit card by XXXXXXXX XXXX XXXX on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

XXXX was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX denied - hard inquiry on credit report - no knowledge XX/XX/2023 XXXX XXXX - No knowledge XXXX XXXX managment - no knowledge Victim of identiy theft-
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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 ot
her 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-16
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

Once again it seems like these online banks are unregulated or at different standards. I had lost XXXX through XXXX XXXX it took me nine months to get my money back and because I made this complaint they paid me extra money. 
Now I have time I had approximately {$1000.00} in the account because I upgraded my phone it was very challenging to get back into the account. I did not have access for the last five or six weeks I did not need access to my money as I'm financially stable. Unfortunately not everyone in America is like this. I seen an alert yesterday XX/XX/XXXX for a {$10.00} transaction at a gas station. I did not think anything of it but it made me spend an hour and a half gaining access to my account as my email has never changed it was that difficult to gain access without a call center. When I left work today I logged into the account and recognized and realize that every dollar was missing from my account and a total of almost 15 transactions in a 24-hour period. I have never spent a dollar I have never used the debit card I have only transferred money to my XXXX XXXX XXXXXXXX checking account. So how is it that my card was used to make purchases all around the state of Michigan. There must be an internal breach employee theft of information or not enough oversight. As I called to dispute the transaction they had told me that the transactions were pending they were not able to do anything. What if I was poor what if my kids needed money to eat food. It was a lie as there were some transactions that were already confirmed that were done yesterday morning they were not willing to dispute a few transactions understanding there was 15 they let me go and said I needed to call back when all the transactions were completed. I asked the overshore call center for the employee ID number or the call center location because I'm truly concerned for other Americans and the possibility of a data breach. When I asked the second time for the employees ID or the location of the call center the employee went mute I had said ma'am I'm recording this conversation I am contacting the federal government to make a complaint after this I'm only asking to provide facts to the government and she hung up on me. How could you be so disrespected in the United States how could this happen again to the two largest online banking companies. So now I have access to my account I have no money and it's going to take days multiple phone calls to get access to this money it's not fair it's not right you guys need to look into this to find out if there was a larger scale data breach I have never used a chime card to purchase anything.
Consumer complaint received 2023-08-26
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VI)

LoanCare stole money from me under the guise of forced lender placed insurance.  They are now refusing to let me out of escrows therefore requiring me to pay into an escrow for an insurance policy I have already paid for.  They took money from me over the course of an entire year, then failed to renew my policy THEN they continued taking money from me despite the fact that the absolutely KNEW I had already purchased a policy in full.  They do things to confuse and slow the process like make it impossible to get a human being on the phone.  They do EVERY SINGLE THING by email but then when they were trying to contact me about their screw-up with my insurance, they sent me PAPER LETTERS VIA SNAIL MAIL.  So when it has to do with me paying them, they want email and everything to be smooth.  But the one time that it has to do with them telling me they screwed up, they send paper letters via regular U.S. mail.  Their staff was obviously trained to try to confuse me and thank God i kept asking questions because I wound up getting three different stories for what happened.

LOAN CARE ESCROWS ARE A SCAM AND THEY ARE STEALING FROM ME.  THEY TOOK MY MONEY FOR INSURANCE AND THEN DIDN'T RENEW THE INSURANCE.  THEN WHEN I WENT AND BOUGHT MY OWN INSURANCE POLICY THEY TOTALLY SCREWED ME AND KEPT TAKING EXTRA MONEY OUT OF MY ACCOUNT.
Consumer complaint received 2024-05-12
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. (FL)

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 2024-05-15
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-05-15
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. (VA)

This company, XXXX XXXX XXXX, allegedly acting on behalf of XXXX for a debt listed in the amount of {$370.00}, did not notify me of any debt ( s ) owed to XXXX prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as XXXX XXXX XXXX had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by XXXX XXXX XXXX.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate : XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Hi my name is XXXX XXXX I was searching to buy a home and I came across Bank of America I was connected with a loan officer by the name of XXXX XXXX XXXX. XXXX was giving me information that I need to gather together for the bank to approve me for a loan once I got approved for the loan I started shopping for homes i got a home inspection pay for appraisal and also lost out on mortgage agreement twice because of XXXX XXXX 's lack of professionalism and responding on time and XXXX was not handing paperwork in on time emails reaching out to my realtor also not reaching out to the underwriter and the person of the property therefore I lost out on {$2000.00} Mr.Handy may take 4 day 's to even a week to respond back to all party 's involved in this process XXXX XXXX would also tell myself my realtor the underwriter and the person associated with the property that he does not do work after XXXX but XXXX XXXX was sent emails about XXXX in the evening stating documents that he needed and what those documents were presented to him he was still take days to even respond back i truly believe that I was discriminated against this is why I have lost out on a home that I've tried to invest money into.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC (VA)

On Monday, XX/XX/2023 XXXX XXXX, I received a mortgage statement and the payment amount was doubled. I sent the below email to Selene Finance : " I am in receipt of my mortgage statement for XX/XX/2023. 

Today, I called Customer Service to inquire about my doubled monthly mortgage payment for a fixed loan ; in the amount of {$2600.00}. 

The Customer Service rep explained to me, it is a " Corporate Advance Fee. '' This email is to notify Selene Finance that I do not agree to paying the " Corporate Advance Fee ''. 

Therefore, I plan on sending {$1700.00} for my XXXX payment. 

Thank you for your for your understanding. 

I have also cc 'd my bankruptcy attorney in this email correspondence to file. 

Happy Holidays to all! '' My next response letter I received from Selene Finance was on XX/XX/2023. The contents of the letter was erroneous stating The letter further states it " acknowledges receipt of my request for loss mitigation ''. 

" The letter further requests Pay Stubs for XXXX and Mortgage assistant for XXXX. '' " The letter further states to submit missing documents by XX/XX/2023. '' Or Selene Finance may proceed with the pending foreclosure without further notice from you. '' First of all, I do not know who XXXX or XXXX is. 

I am not late in my mortgage payments nor have I requested a loss mitigation on my account.
Consumer complaint received 2023-11-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-16
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION (MD)

I received notice from Navy Federal Credit Union that my mortgage payments were increasing due to an increase in homeowners insurance, real property taxes, and a shortage in escrow. However, when I requested and received the escrow analysis, the homeowners insurance amount was incorrect, and the analysis did not appear to be in compliance with the relevant regulations. I spoke to Navy Federal twice but was not able to resolve the issue. I'd like for Navy Federal Credit Union to conduct a formal review of the escrow analysis and provide more detail as to how they arrived at the new monthly escrow amount. I'd like to know exactly which month ( s ) fell short, when the increase in the homeowners insurance occurred, and an itemization of how the escrow shortage was calculated. I'd also like to have the homeowners insurance amount corrected, and the escrow increase adjusted to comply with the regulations.