davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My is XXXX XXXX and bank of america closed my account with out let me know they didn't give a answer I call them and I need my money cause iam a single mother and they also stay with my direct deposit from my bank until now waiting and nothing I need to paid rent I call them but they don't care since Monday they tell me I was getting a check and nothing if I don't paid rent they will kick me out
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union is insured under the XXXX XXXX XXXX XXXX for up to {$250000.00} on each members deposit account which means that my account is insured for {$250000.00} yet Navy Federal Credit Union has charged me multiple overdraft protection fees over the years ( between XXXX ), which are charged {$20.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit. This is confirmation that I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts : The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}. I am demanding that my account is reinstated immediately as, again, Navy Federal Credit Union has not taken a loss. NFCU has violated the Consumer Financial Protection Act of XXXX ( XXXX ) as it prohibits " unfair, deceptive, or abusive '' acts or practices ( sections XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) of the XXXX, XXXX XXXX. XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) ) by restricting me from my online account, debit card use, and no longer have the ability to deposit funds into my account. This has been a huge inconvenience and has caused grave inconveniences and substantial injuries as Navy Federal Credit Union was my only banking account. I have also included a copy of the charge off/debt collection letter from NFCU, my response letter to the charge off/debt collection letter from NFCU and the Consent order from an Administrative Proceeding filed on XX/XX/XXXX ordered by the Consumer Financial Protection Bureau for NFCU XXXX Your immediate attention to this matter is appreciated and I am anticipating a timely response.
Consumer complaint received 2023-06-21
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)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Notice of Intent to File Legal Action for Violations of the FCRA 611. Despite my multiple attempts to notify Experian of these inaccuracies, you continue to respond by stating that " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, there have not been any updates made and the inaccuracies still appear on my consumer report.
Consumer complaint received 2023-09-14
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/year> I paid XXXX dollars to Navy Federal as a settlement amount. Today its still saying I still owe XXXX dollars to them. My credit score is stuck in the XXXX and never rise. I called them back yesterday on XX/XX/XXXX and requested that they mail me a letter of proof that I settled. I also let them know that I need them to report to the bureaus that I settled and I no longer owe them any money.
Consumer complaint received 2024-03-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BSI Financial Holdings, Inc. (VA)

BSI Financial services sent me paperwork trying to collect a {$24000.00} forbearance debt on my mortgage that has already been paid by a Virginia Mortgage Relief Grant from XXXXThis is documented with my current mortgage company.

They're claiming the debt has been sold.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MI)

XX/XX/2024 I was charged for XXXX For a service I did not want anymore I texted the company and they told me the charge was made in error and that it can take 90 Days to get that charge back reversed and my faster solution is to request the charge back from my bank I been dealing with this for 2 Weeks now and they company does no respond to me any more and they sent an email out and thats about it this company email is XXXX Phone number is XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (AZ)

I tried to contact the company resolution department, they refused to assist without a formal complaint from the CFPB or in writing. Even though due to the credit unions, mis application of my payment, that caused a 30 day reporting on my credit.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (NV)

I paid {$160.00} to a XXXX XXXX XXXX  for a apartment application, the application was denied and my money was suppose to be returned in XXXX of 2024, this is XXXX and I have not received my money back from this company, so I disputed the transaction because the management company clearly took my money, and chime denied my dispute. The dispute claim number is # XXXX
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (LA)

I was charged an ACH withdrawn from my bank account on XX/XX/year> in the amount of {$180.00}. Of that amount {$94.00} was applied to principal and {$94.00} was applied to interest. 

Now, they are making another ACH withdrawal on XX/XX/XXXX for {$230.00}. This is not a scheduled payment. I received no notification of the reason for the additional payment. When I try to turn off auto-debit, it says that I can not. 

All XXXX of my loans state that they are paid up to date. There is ZERO reason to be debiting me right now! Their telephone is always busy with a ridiculous wait time. 

I am angry that they now hold my loans and feel that I am at their mercy.
Consumer complaint received 2023-01-23
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. (LA)

FCRA Violation: name and address not mine
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

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
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


FCRA Violation: Collection not mine
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

Credence Resource management LLC, contacted me via text message on XX/XX/XXXX regarding a " supposed {$160.00} balance with XXXX ''. They also tried to call me a few time during my work hours. 

I responded to their text message Informing them that my last XXXX account was closed back in XXXX with XXXX balance, and I thought this was a satisfactory answer for them as they only acknowledged the message and didn't text further. 

To my surprise, they posted derogatory information to my credit report which cost me a mortgage financing.
Consumer complaint received 2024-03-26
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts and inquiries on my consumer report that do not belong to me and is a result of identity theft. My personal information was stolen and used without my permission. Personal information including my name, date of birth, and social security number. I did not provide written permission or instructions for the identified transactions or information to be reported on my consumer report.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 


XXXX Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX. 

15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I was just looking over my credit report on XXXX XXXX and found some addresses that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Experian continue to report my name, my address and phone number incorrect on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (NY)

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Clarity have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2024-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (FL)

I tendered the company a " Bill of Exchange '' also known as a negotiable instrument per U.C.C. 3-104 Negotiable Instrument, U.C.C. 3-603 Tender of Payment. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

U.C.C. 9 section 102 - ( 65 ) " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. 12 U.S. Code 1431 - Powers and duties of banks- ( a ) Borrowing money ; issuing bonds and debentures ; general powers XXXX XXXX XXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. Debt discharge is the cancellation of a debt due to bankruptcy. When a debt is discharged, the debtor is no longer liable for the debt and the lender is no longer allowed to make attempts to collect the debt. Creditors can not collect discharged debts. Means that no one may make any attempt to collect a discharged debt from the debtors personally. For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Only the board of governors is allowed to use Federal Reserve Notes. 
Federal Reserve Notes are only for use during EMERGENCIES. A FINANCIAL SECURITY is a document of a certain monetary value. It refers to stocks and bonds which are negotiable.
Consumer complaint received 2018-11-22
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. (TX)

In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

Hey, I had a dispute over my last bank account at XXXX. This was due to it saying I still owed money on a loan, but it was fully paid off. I talked to the bank, and they agreed. So there for I closed my account with them, because I am moving. However, now expirian says I no longer have a credit history. Why? Does this mean I made payments on time for quite some time, just to have no credit score? I dont really understand how that works. I even paid it off early.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP (TX)

In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

I have Chime disputed with XXXX twice XX/XX/24 and XX/XX/24 there both saying that the account is still active I have the checking account and credit card builder, I have looked them today XX/XX/24 and the person I spoke with says the the account is closed but could be reopened, and there isnt any way to permanently close it, so they have my data, my social security, my address, my phone number, my email, and who knows what, have closed accounts and I never heard a thing where they cant permanently close an account, and could still be reopen, they make you feel trap because theres no way of getting away, I want everything closed permanently and have my credit score changed, I been reading online and a lot of other people are dealing with the same situation, this is a state wide problem, and Im reporting them and taking action, to whom may read this please look it this problem, thank you.