davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I filed an XXXX under XXXX XXXX back in XXXX of XXXX. It is now 6 months later and I continue to get the run around of the company " processing '' my application. They state there's a back log while I have friends that submitted theirs in XXXX of last year and have received there's a month later. I am now filing this complaint to get some real answers on what's going on with my application for XXXX under louisiana law.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OH)

Offer clearly states Bonus will be deposited within 45 days of deposit verification. Deposit verification of {$3000.00} cash took place on XXXX when the account was opened and all other stipulations/qualifications to receive the {$500.00} bonus were met. On XXXX, which was the XXXX day since XXXX, the bonus had not been deposited so I contacted the person at the bank who had opened the account, XXXX XXXX. She forwarded my complaint to her superiors and then called me back the following Monday saying that they said 1st 60 days must pass before the " within 45 days '' takes effect. I told XXXX that that was not what the fine print said. She agreed so she resubmitted the inquiry to her superiors. A few days later she called me and said they were not going to deposit any bonus until 45 days after the 60 days were met. 

This is in violation of the attached mailing I received from USBank. This constitutes consumer fraud.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX is a fraudulent inquiry, XXXX  XXXX is a fraudulent inquiry, XXXX XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX  XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX  is a fraudulent inquiry, XXXXXXXX XXXX XXXXXXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXXXXXX is a fraudulent inquiry. i did not authorize any of these companies to run an inquiry on my credit report ive contaced each company to confirm Ive never agreed to any of my information being used for credit or credit inquiries and if my information has been used its a result of identity theft. 

15 USC 1681c-2 section ( a ) ( 2 ) specifically states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of With proof of my identity theft report submitted with this complaint, the following accounts & inquiries must be deleted from my credit report without further investigation no later than 4 business days after receiving this complaint or the agency that received this complaint will be held liable to me in civil court
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION ()

I obtained a loan from Navy Federal Credit Union. I was told I could get said loan funds deposited to have wire transfer to dealers, since this is an overseas transaction. I received final approval and SIGNED ALL DOCUMENTS following said information XX/XX/2024. I was told I had to wait 2 days to receive funds. 

Monday XXXX XXXX nothing happened. Tuesday XXXX I was asked for documents which I IMMEDIATELY PROVIDED. NOTHING else was said. I called in the afternoon to ensure all was going according to WHAT WAS TOLD. The representative TOLD ME I should see the fund that same day or the next morning. I informed the dealer, because they will NOT release the car until funds are confirmed 2 days after wire transfer. WE COUNTED ON NFCU 's word! 

NFCU LIED TO ME! There were no funds! I called but I was told to wait until XXXXXXXX XXXX EST. I did! I waited, but the representative told me the office wouldnt open for another hour. But that I WILL NOT SEE THE MONEY today. 

NFCU had set up a BILL for me already BUT THEY HAVE NOT PROVIDED FUNDS NOR DO I HAVE A VEHICLE BECAUSE OF THEIR FRAUDULENT STATEMENTS, misleading me in this loan process! 

Now, I have to extend a rental several days because of these negligent misinformation by NFCU. My reputation is tarnished, as I come across as a fraudulent liar having just A BILL to show for this fraudulent practice!
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the unfair business checking account fees that have been accumulated in my account. I have been a loyal customer of Bank of America for several years and have always maintained a good relationship with the bank. 

However, over the past few months, I have noticed that my checking account has been charged with numerous fees that I was not aware of. These fees have been accumulating without any prior notification or explanation from the bank, which has caused me great concern and frustration. 

I have tried to contact the bank to get an explanation for these fees, but I have not received any satisfactory response. I believe that I have been taken advantage of, and I want the money back that has been charged to my account unfairly. 

I am writing to you, the Consumer Financial Protection Bureau, in the hope that you can help me resolve this issue. I urge you to investigate this matter and take appropriate action against the bank to ensure that no other customers are subjected to such unfair business practices. 

I have attached copies of my account statements showing the fees that have been charged to my account without my knowledge or consent. I hope that you will take immediate action to help me recover my money and prevent this from happening to other customers in the future. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-04-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC (TX)

Structured Settlement has taken over this account. I had this account with XXXX XXXX, and had a payment arrangement and then was XXXX XXXX XXXX XXXXXXXX. During that time my account was sold to Steuctured Settlement. They call my phone 3 times a day, call my wife even if I talk to them and call me everyday even after talking to them. They threaten me with a lawsuit every call. They will not let me dispute debt or give proof of debt. They told me today they could call me 9 times a day if they want. The " manager '' today said that they could call or come to my home or work whenever they wanted. They also told me they won't honor previous payment arrangement because they won't get paid. My XXXX was even laughed at by the manager. I told then I would pay them that day, but they told me I would see them in court and good luck.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XX/XX/XXXXXXXX  and XX/XX/XXXX, I received calls from Portfolio Recovery regarding credit card debt that I owed. I requested to received via mail a debt validation letter with the company I owed and the total amount due. As of XX/XX/XXXXXXXX  I have not received any written correspondence and it has been over 30 days. Portfolio Recovery has report negative marks on my credit report with XXXX, XXXX, and XXXX.
Consumer complaint received 2023-04-27
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. (IN)

In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (VA)

I requested to close my escrow account ( my mortgage is not paid off ). My request was granted, but they are charging me almost {$300.00} to do it. Is that a valid charge? I just want them to write me a check for my escrow balance.
Consumer complaint received 2024-04-09
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. (PA)

To whom this will concern, my name is XXXX XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 U.S. Code section 1681E, 1681i, and 1681s-2, and like even if you want if you want to try working inaccuracies that need immediate correction period per FCR guidelines are requesting thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit history. These listed accounts should not be reflecting on my accounts as I have never applied nor given permission for these credits to report anything on my consumer report. Additional Unauthorized Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WI)

I received 2 phones from XXXX XXXX XXXX telling me I owe accrued fees from a US bank account from XX/XX/XXXX. I asked for letter of disclosure of all information and was told they mailed it to old addresses, I gave new addresses and was told on XX/XX/XXXX that XXXX doesnt mail through XXXX mail but will email me information. I expressed that I received a class action check 5 years ago for XXXX bank fees they overcharged customers. XXXX stated I owe {$730.00} for past accrued fees on a deposit account. Again I said send me the infringe detail. He refused. I did contact attorney in XXXXXXXX Wi advice was file complaint.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - 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 2024-04-09
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

I was with Washington Mutual from XXXX until XXXX when chase took over my account- which I held for over 14 years. Never had any issues, over drafts or fraud. Was part of Chase private client services and thought we were the ideal customer. 
XXXX received a letter informing me that my personal bank accounts would close effective XX/XX/XXXX. 
Tried calling, tried going to the bank, reached out to my private banker. NO ONE COULD GIVE ME ANY REASONS OR ANSWERS. There is no process to appeal or gain more information. I am a part owner of a law abiding and legitimate business operation with XXXX plus employees and over {$120.00} XXXX in annual revenues. I have received large wire payments as distributions from my business over the years and I am an accredited investor who has wired money into several real estate business transactions. Again, all are reported via our taxes ( of which we paid over $ XXXX to the Federal government in XXXX ). 
Without any reason given, I have no recourse for keeping/ maintaining my accounts. 
It created a huge hardship and sent us scrambling to reconnect to a new bank and set up auto payments with various vendors/ mortgages etc.
Consumer complaint received 2024-04-09
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. (PA)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents, please? Certain listed accounts exhibit inaccuracies concerning reporting, incorrect amounts, and reported dates.
Consumer complaint received 2023-10-05
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. (GA)

I HAVE REACHED OUT TO EQUIFAX XXXXERVERAL TIMES THROUGH CERTIFIED LETTERS, PHONE CALLS.THEY STILL HAVE NOT DID ANYTHING TO RESOLVE THIS MATTER .ORIGINAL CREDITOR UPGRADE NOW IN COLLECTION WITH XXXX XXXX XXXX HAVE A REPORT FROM LAW ENFORCEMENT, FTC REPORT THAT I SENT THEM.THIS MATTER IS HINDERING ME AND CAUSE A GREAT DEAL OF EMTIONAL STRESS. I AM TRYING TO BUT A HOME I HAVE LOST JOB OPPORTUNIES. THIS IS DISTURBING MY LIVELIHOOD.THIS DEFLATION OF CHARACTER AND AGAINST THE LAW.In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-09
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. (OH)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-09
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. (NC)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I tried their Capital One Shopping service. After earned $ XXXX in my account, I tried to redeem a gift card, but they closed my account without any reasons and didn't give me a XXXX back... They didn't respond to my email at all. I contacted Captial One customer service by phone and sent an email to XXXX, but they couldn't help. Also, filed a XXXX  complaint, but no help as well. This is the last time in good faith trying to solve problem with them directly, and will take it to small claim if no result after this.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly review the documents? Several of the accounts listed exhibit inaccuracies concerning reporting, incorrect amounts, and dates.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.