davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (DC)

The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ;
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. XXXX  AND EXPERIAN was sent an affidavit of truth stating that I am the original creditor and XXXX  AND EXPERIAN has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave XXXX  AND EXPERIAN any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and XXXX  AND EXPERIAN is in receipt of the INVOICE I sent that shows they are in violation.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

On XX/XX/, I sent a letter of instruction as well as power of attorney to support my title and identity, to the appointed manager, chief financial officer, over my account enforcing my performance on the account. In response I was completely locked out of my account and the corporation ceased communication.This action is causing serious damage to my lifestyle. Not only is this securities fraud but it is also extortion and racketeering to hold my securities as leverage and deny me access. This is my last attempt at remedy before a federal claim is made against this company.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AR)

Nationstar Mortgage company has continuous stated that I owe a balance for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, & XXXX 2015. I have contacted multiple representatives and supervisors from the customer service department, fraud department, and foreclosure department. I have provided money order receipts for each XXXX of the payments they state I have not paid. Each time I have called, I owe a different month or it is under investigation. I recently received another letter stating that I have overpaid {$4000.00} in escrow and they were taking that money for my outstanding loan payment. I believe this company is acting fraudulent and trying to scam for extra interest or late fee payments. I have all letters, money order receipts, to substantiate my claims. I would like this matter corrected urgently. I am a senior citizen and this is my home. I rely on my limited income and I can not be threatened to be foreclosed on and my home taken away when I have sent them the proof that I have timely paid my mortgage.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (TN)

This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Consumer complaint received 2023-10-11
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. (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 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. ()

I made a one time purchase at XXXX and the sales person offered me this card. I explained that I did not want the card, because I would use it only at that particular moment and not anymore. I do not live in the US. The sales person guarantee that there would be no charges involved in making that application so I could use the card one time. There were no fees. I used my son 's address and told her. 
I was surprised with this letter from the debit collector. 
I reserve my rights to use a lawyer again the company if I have any further inconveniences for this matter. I hope the matter gets solved and wait for an answer.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

On XX/XX/XXXX, I received an email that I was approved for their IDR plan. However, I never applied for this. It made my monthly payment jump from {$100.00} to {$350.00}.

I called Aidvantage and was on hold for XXXX minutes. When I spoke to the representative, they said I was mistakenly added to the IDR plan and that she fixed it and my payment was now {$100.00}. It was a little worrisome that this happened. 

Now today, XX/XX/XXXX, my bank notified me that {$350.00} was pulled out of my account. I login to Aidvantage and see nothing was changed, the payment was considered overdue by XXXX day ( even though autopay came out ). 

Today, I'm planning on calling them, disputing with my bank, and looking onto legal options.
Consumer complaint received 2023-10-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (CA)

I have closed XXXX XXXX XXXX with Ally Bank ( XXXX XXXX  ) for the amount of {$98000.00} each plus interest on XX/XX/2023 with this bank which I had an external checking accounts stablished for years ( XXXX XXXX XXXX ) After closing directed the Bank to transfer the fund to my established act at XXXX they informed me that will take XXXX bossiness days that was odd because other transfer between accounts usually is couple of days but anyway I never received the funds within XXXX business days so after many calls they informed me that they sent the funds to a wrong accounts and that takes XXXX business days to get it back and another XXXX business I will get our money I need the money for my XXXX I am a senior and afraid that they are playing game is there anyway your agency can get involve and assure that we receive our retirement funds. 
Truly appreciate your efforts, Regards XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX 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 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-13
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-13
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. (OH)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-05-07
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MD)

I initially had a mortgage loan with Wells Fargo, they did not report the mortgage loan ( {$270.00}, XXXX ). I went to closing on my townhouse on XX/XX/XXXX and my mortgage loan has yet to show on any credit bureau. The mortgage was transferred to XXXX Bank. I made two payments of {$1900.00} with Wells Fargo, and I believe these payments should have been reported to any of the Credit Bureaus. 

I went to the Wells Fargo Bank on XXXX XXXX, XXXX, MD and spoke with one of its bankers. He said that the mortgage of {$270.00}, XXXX should have been reported immediately. 

I faxed a letter to the Wells Fargo Mortgage Department, per instructions from the gentleman who helped me at Wells Fargo Bank, XXXX XXXX, XXXX, MD. 
I received a voice message today, from one XXXX XXXX, who stated that she would be my point of contact regarding the letter that I faxed. Her telephone number is XXXX ext. XXXX The individual who handled my mortgage loan was XXXX XXXX, XXXX. He is no longer with Wells Fargo, so I've been told. 

If someone could contact me, I will be able to give my Mortgage Loan #. At present I am at work and do not have that information with me.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (NC)

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 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I sent letter of instruction to the appointed manager of my securities at Navy Federal on XXXX XXXX, who in return refused to act on their performance over the account. Due to this breach of contract the account suffers. This is the last resort for remedy before a federal claim is filed against this corporation.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (VA)

I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX  balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA Credit usage XXXX XXXX Balance {$7900.00} Balance updated XX/XX/2023 Credit limit {$10000.00} This is again, not correct. This Bank Card refuses to update the correct balances monthly and XXXX will not allow me to dispute monthly. There website shows, that they wait until the Creditor provides the information. When you are applying for loans this will not work.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account :
Consumer complaint received 2024-06-02
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: EQUIFAX, INC. (GA)

XXXX XXXX, & Equifax continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC (MD)

My loan payment schedule clearly states that my payment is due on XX/XX/XXXX. Today XX/XX/XXXX BMG Money took a payment of {$150.00} causing my checking account to overdraw
Consumer complaint received 2024-05-22
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)

XXXX, XXXX, and Equifax continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.
Consumer complaint received 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I purchased a serve card back in XX/XX/2023 but never my money was never on it I called and they told me to send them all the information front back picture of ID front back address email I did that like three or four times I faxed it the same information they needed from my card receipt everything turned and everything we are in XXXX in 2023 and I still have not gotten my money every time I call they tell me to call back in another 10 days or email it again or fax it again no I'm not doing it or I get disconnected