davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023 I created an online application to open a credit card and use a balance transfer special they had offered. Once applied, I received a response soon after, same day, that I was given the highest interest rate possible, despite XXXX credit scores, money in several accounts at the bank. I requested a review of the interest rate immediately, same day, and was denied. I immediately let the agent know not to open the account and close out everything attached to the account. This is all on XX/XX/2023 I was advised by the rep that they would close the account immediately and to disregard any cards I may receive in the mail.

Shortly thereafter, I received a notice that I have a new account with this bank with a balance of {$5000.00}, the amount of the balance transfer which would have gone through had I opened the account. I spoke with a rep who said the balance transfer was processed the day AFTER the account was closed because I did not also cancel the balance transfer. However, the online site shows the balance transfer account was not opened until XX/XX/2023. Incredible. 

Why would I need to cancel a balance transfer that should not occur if I do not have a card to process it on. This new account balance opening fraudulently has impacted my credit score by a total of XXXX and I am very disappointed in the process of trying to have it resolved with the bank. 

Please help me, I am in Florida.
Consumer complaint received 2024-05-08
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. (CO)

I have reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have an assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint in or on the dates of XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see the screen shot attached. Please note that this is for XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I am reaching out to address the following incorrect information provided below. The items listed on this letter have been falsely reported to my credit reports. The accounts listed are incorrect and Id like them to be removed due to the inaccuracies. I am a victim of Identity theft and the accounts listed below are unrecognizable reports. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the items listed below that are reported in my credit reports. Please advise. Thank you in advance for your efforts. Take care.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was contacted by an individual to purchase my vehicle. The person sent a personal check that was held and then released by my financial institution. After this money was released into my account, the funds were then transferred to Capital One to pay off the remainder of the loan. Once the loan was marked as paid off, the bank contacted me that the check was fraudulent and that the transaction would not be honored. If Capital One does not stop the payment, I will be sent to collections for the amount of ~ {$17000.00}. My credit union informed me that they attempted to stop the transaction but were unable to. Capital One informed me it will take 3-5 business days to stop the transaction and re open the account, so I should not be responsible for the fraudulent check.

This is the second time submitting this complaint. Their response was that I should get the payment reversed and to contact the office of the President of Capital One. When I contacted them, they informed me they would do nothing, and that I needed to see if the financial institution I deposited the check into would reverse the payment. They did not respond to my complaint, and did not address the issues at all.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I made an online payment XX/XX/2024 of {$1000.00} to cover my XXXX Direct Unsubsidized Loan XX/XX/2024 of {$5000.00} to cover XXXX Direct Subsidized Loan Both payments have posted my Bank account, but have not been applied as of today ; nor are they listed as recent payments. I have called and emailed without a resolution. I had to go to my Bank and get payment confirmation number, per their request. On the phone and website they require XXXX business days for payments to process. I'm tired of getting the runaround without results.

Why does it take EdFinancial more than 30 days to post a payment? 
They should at least have them listed as recent payments for traceability. If it's not posted ; where is the money sitting?
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

After my bank changed my account number, I logged into my Bank of America ( BoA ) online. I provided BoA with all requested bank information. BoA sent two trial deposits to my new bank account. On XX/XX/XXXX I entered both amounts, BoA displayed a message that the amounts were incorrect. Several times more I tried again and entered the two amounts. Again, each time BoA displayed a message that the amounts were wrong. They were not, as I checked carefully over and over. So, on XX/XX/XXXX I tried to call BofA. Its XXXX  automatic AI could not understand the purpose of my call. After rewording my purpose multiple times, I finally was connected to a LIVE BoA person at about XXXXXXXX XXXX  After spending several minutes identifying myself and my BoA account, the female employee was confused, referencing a different account. She could not understand the problem I encountered re the two trial deposits. After more minutes wasted she admitted that she was in the wrong department to help me. After wasting more time on hold, she said that she could not transfer me to the Credit Card Unit- why did the XXXX  AI route me to her? Then, she LIED and said that she would send me a link to resolve the problem. The link was nothing more than BoA 's home page! Thus, the call to BoA was a total waste of time, owing to BoA 's dysfuncional call operations and incompetent personnel. I have tried again to verify the deposits with no better result. MY PAYMENT IS DUE IN 11 DAYS, BUT UNLESS BoA corrects the problem, I will be unable to submit my payment, leading BoA FRAUDULENTLY CHARGING ME FEES and INTEREST for not paying. BoA is a disgraceXXXX XXXX THE PUBLIC while its executives get paid hundreds of million dollars and its shareholders reap dividends through .CORRUPTION.
Consumer complaint received 2024-07-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-25
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: Fay Servicing, LLC (NJ)

I fell behind on my mortgage payments for a property formerly owned by my ex and I starting in XXXX or XXXX of XXXX. During this time forced place insurance coverage was placed on my account. I recall providing my prior servicer ( XXXX XXXX ) my insurance statement for payment through the secure portal and when my mortage payment didn't change I thought it was resolved. However, when I saw the mortgage payment had increased almost {$500.00} it was then that I was unable to continue making payments and I could not reinstate the prior plan. 

When I reached out in early XXXX ( XXXX or XXXX ) to complete a loss mitigation packet I received a letter that my ex had to also submit financial information and sign the loss mitigation packet. In XXXX after our separation, I worked with XXXX XXXX and XXXX to complete a Partial Release of Liability for my ex from the property as well as a quit claim deed. I was not in a financial position to refinance the loan at the time because of bad credit and no money for costs of refinancing a mortgage. 

I called Fay Servicing ( current servicer ) and they stated he remained on the note despite me asking them if they could contact my prior servicer. It took me until recently to obtain the attached documentation from XXXX XXXX of the partial release. My ex understandably would not sign or submit anything for this loss mitigation and the delinquency has continued to accrue penalties, legal fees and now facing foreclosure. When they began to report the delinquency on my credit report and my ex Fay Servicing first reported the delinquency on my son 's credit report who shares the same name as his father. I had to reach out to have that corrected by Fay Servicing and my son had to provide credit reporting information to them to prove they reported the delinquency on his credit. 

While my ex is still named in the Foreclosure, he should not have had the negative credit reporting and I should have been able to move forward with the loss mitigation application without his involvement and began working towards a resolution in early XXXX and prevented reaching the current state of being on the brink of foreclosure. The financial and emotional heartache this has caused me can not be fully expressed. I am now pressed up in a corner and have retained an attorney to file for bankruptcy in order to delay foreclosure. 

I have provided this documentation to the foreclosure attorney XXXX XXXX who has escalated this to my servicer but never at any time despite my or my exes ' calls, despite the incorrect credit reporting to my son did Fay make any attempt to research this with the prior servicer. We called and asked a supervisor from Fay to contact us and never received that call.
Consumer complaint received 2024-06-21
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. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION, ADDRESSSES : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (MD)

I have disputed this account several times with Equifax.This company continue to update this account with incorrect information.I know that under the Fair Credit Reporting Act all credit reports must be accurate and report the same information.This company isnt doing so and they have exceeded the 30day time frame.Please delete this account
Consumer complaint received 2024-05-02
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. (GA)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-07-24
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. (OK)

I am a victim of XXXX XXXX of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY TRANSUNION XXXX XXXX - XXXX inquiries ; XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (TX)

I am writing to formally file a complaint against [ Credit Reporting Agency Name ( s ) ] for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with the inaccurate reporting of information on my credit report due to identity theft. The details of my complaint are as follows : Inaccurate Reporting of Identity Theft : My credit report includes a XXXX  XXXX account under the name " XXXX XXXX XXXX. '' My correct name is " XXXX XXXX XXXX. '' This is a clear case of identity theft, and the continued reporting of this account under the wrong name is both damaging and inaccurate. 

Failure to Conduct Timely Investigation : I reported this issue to the credit reporting agencies over 30 days ago, yet they have failed to resolve the matter within the legally required timeframe. Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies must investigate disputes and correct inaccuracies within 30 days. 

Unlawful Re-insertion of Disputed Items : After initially removing the disputed items from my credit report, they have been re-inserted without proper notification and justification. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, which mandates proper notification before re-inserting any disputed information.

Lack of Written Consent : I never provided written consent for the reporting of any accounts cited on the identity theft report. According to 15 U.S.C. 1681b of the FCRA, a consumer reporting agency may furnish a consumer report only under specific conditions, including the consumer 's written consent, which in this case, I did not provide.

Failure to Remove Identity Theft Information within Four Days : According to 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving appropriate proof of the identity theft. Despite providing the necessary documentation, the agencies have not complied with this requirement. 

Denial of Credit : I was denied credit because of the inaccurate XXXX XXXX credit card account. According to 15 U.S.C. 1681m, users of consumer reports are required to provide consumers with notice when adverse actions are taken based on information in a consumer report. This denial of credit has caused me significant harm.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-21
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally request an investigation and correction of inaccurate reporting on my XXXX student loans. I have noticed that my credit report incorrectly lists several of my student loans as past due for various months. These entries are incorrect and negatively impact my credit. Below are the details of the discrepancies : XXXX  Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Days Past Due : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The XXXX loans affected are : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX