davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: NAVY FEDERAL CREDIT UNION (SC)

This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. 
Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. 

I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. 

I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue.

I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report.

The following personal information is inaccurate Addresses : 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 2023-10-08
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. (FL)

Unfortunately my auto pay was turned off on my XXXXXXXX XXXX XXXX  did not properly notify me until I was almost 2 months late. Their emails did not indicate that I was late on a payment the subject line just said your payment is due. Anyways it was a {$30.00} payment I paid the card off the balance was only {$200.00}. I have excellent credit I have many open credit cards I am below 25 % on my credit usage. XXXX reported it to XXXX and XXXX they dropped my credit score by XXXX points because I had such a high credit score. Now my credit score is poor. I had a XXXX now I am down to a XXXX. Why is it that they can get away with dropping credit scores over XXXX down XXXX points for 1 late payment yet someone who has a XXXX credit score will only lose XXXX points in a situation like this? 
That is my problem why did I not only lose XXXX points? 
Why do I get XXXX points taken off? 
Plus they did not evaluate my entire credit situation and everything that has been paid on time for the past 7 years. How is this fair reporting? That is my question.. why are we not looking into how they choose who gets XXXX points for a missed payment and who gets XXXX points? It doesn't pay to have good credit evidently
Consumer complaint received 2023-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (OK)

I contacted Spring Oaks through the CFPB and XXXX on XX/XX/2023 to inform them I have no knowledge of this account or the original account. I requested this account be removed from reporting on my credit report. As of XX/XX/2023 the item in question is still reporting. 

The original creditor for this account, XXXX XXXX, has never provided any documentation to prove this account indeed is mine and that I legally physically signed any paperwork agreeing to this debt. 

Please remove this account from reporting on my credit report further. 

The original creditor or debt collector has illegally re-aged this account thus is a violation and per my consumer rights I have the right to sue. 
( PER EACH CREDIT BUREAU REPORTING INACCURATELY AFTER REINVESTIGATION ) Please remove this account from reporting on my credit report.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-10-08
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: Caliber Home Loans, Inc. (WA)

On Saturday, XX/XX/XXXX, my husband and I received via certified mail notice of default from Caliber Home Loans. This is in error because we have paid our mortgage on time and our online account shows that we are current on our mortgage. The notice lists {$0.00} as past due and yet clearly states notice of default. 

This is very distressing to us, as it is our understanding that 30 days from receiving this letter our home may be placed for sale. We want to make sure this error is immediately addressed and have also contacted Caliber. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-13
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (NY)

There are multiple unauthorized, hard inquiries on my credit report that do not belong to me from : XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2023-10-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LDF Holdings, LLC (MI)

I sent the attached letter to Lendumo on XX/XX/XXXX, & have not received any responses yet. I followed up with them again after XX/XX/XXXX, & still no response. 

ALSO I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So Please stop assuming it was someone else, & Please address my complaints.
Consumer complaint received 2024-04-06
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. (AZ)

I received notice that the XXXX XXXX XXXX information was fixed and updated. I pull all 3 reports just to find the inaccuracies are still reporting. XXXX has paid current, Equifax has XXXX late payments and CO, and XXXX has 120 days late. Please there is nothing these agencies can tell me because XXXX XXXX is the one reporting the information to these agencies and it should not be inaccurate across the board. Please delete immediately as it is hindering my ability to obtain credit. I am in the middle of a housing sale and this is becoming a thorn in my side as i have been disputing this inaccuracy for over 6 months now. IT IS A VIOLATION AND IT DOES NOT CONTAIN MAXIMUM ACCURACY AND IT NEEDS TO BE DELETED. AT THIS POINT XXXX XXXX HAS HAD 180 DAYS TO CORRECT AND ITS STILL INACCURATE PLEASE DELETE!!!!!!!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Addresses that doesn't belong to my personal profile XXXX XXXX XXXX. # XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Florida XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX listed names that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX from 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 an account without my written instructions. 15 U.S.C 1692b acquisition of location information by debt collector
s.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent information be deleted from my Transunion Credit Report immediately. Please remove the following XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. Thank you, XXXX.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (CO)

I opened an XXXX XXXX account through my employer, XXXX, and their benefit program last XX/XX/XXXX at Optum Bank in XXXX XXXX XXXX, Utah. 

Once opened, I requested a debit card so that I could use my XXXX funds.

It took Optum Bank over 2 months to provide my debit card to me to enable use of my XXXX  funds for medical purposes. This delay harmed me.

Once I received the card, I registered it and attempted to use it. The card was declined for " insufficient funds ''. I called Optum Bank and was put on hold for a long time before a representative told me that my account was empty and that they were contacting their fraud team and that I would be contacted within 12-24 hours by the fraud team. On this date ( XX/XX/XXXX ), I had over {$9300.00} in my Optum Bank XXXX account.

No one from Optum Bank 's fraud team every contacted me. 

I called a few days later, was put on hold for a long time again, and was told that my account was " closed by mistake '' by the Bank. I asked them where my money was and was told that my funds would be back in my account within 12-24 hours. This did not happen. 

Finally, on XX/XX/XXXX, Optum Bank reopened my account and redeposited my funds in my account. 

I then attempted to use my funds and the debit card continues to decline my use of my funds. 

I have tried to email Optum several times since they reopened my account and returned my funds but the secure portal will now allow downloading of the correspondence from Optum, making written communications impossible.

I tried again to use my debit card without success.

The delays in access to my XXXX funds, the negligence by Optum Bank in closing my account without my knowledge or consent, and repeated failure to enable use of my debit card to pay my medical bills is harming me. I want Optum to correct their failures immediately and enable my access to my funds held by their institution. 

Thank you for processing this complaint, XXXX XXXX
Consumer complaint received 2023-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have been making mortgage payments with XXXX XXXX XXXXXXXX bill pay for the past 3 years with no issues until XX/XX/2023 the payment was rejected and sent back i started to getting miss payment letters and paid a late fee and my XXXX  score dropped by XXXX points i have sent numerous letters but cant get a response.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (LA)

This account is shown as a charge off. TD Finance has shown no evidence of this being the case as the vehicle was current at the time of sale. There has been attempts made to contact TD finance about verification of this and they have given NO response. Certified letter ( XXXX ) was sent and received XX/XX/2023 and XX/XX/2023. Certified letter ( XXXX ) sent and received XX/XX/2023 and XX/XX/2023. Each of these have gone with NO Response.
Consumer complaint received 2023-02-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$5100.00} ; XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Neighborhoods United, LLC (OH)

In XXXX, we took out a HELOC interest only loan. In XXXX, we modified our mortgage through a government mortgage program which we were told included our HELOC and both loans were combined. We worked hard and paid off the mortgage and we have the deed clear and free. In XXXX ( 11 years later ) we received paperwork stating we were being sued from a company called XXXX XXXX XXXX XXXX XXXX stating we owed the HELOC plus XXXX  years of interest. We retained an attorney and the attorney stated that companies are holding onto loans for up 30 years later, finding loopholes, stating the date doesnt begin until the party is contacted. The XXXX XXXX XXXX, XXXX XXXX, initially ruled in our favor, and then changed his mind. Currently, we are appealing the decision, but I am hopeful your department can provide guidance on XXXX and time-barred mortgages. 

We are now seniors with limited income, and I read the Ohio law and I dont understand how companies can sue individuals on a time-barred loans in the state of Ohio. We need clarity and assistance from your department.
Consumer complaint received 2022-12-07
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. (GA)

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 also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Flat Six Holdings Inc. (CA)

I had tried to create a {$400.00} loan online with Crestline Finance, but they wanted to charge me approximately {$38.00} to deposit the money into my account. Instead, I opted for a check pickup at XXXX XXXX  XXXX in XXXX. 

The XXXX XXXX XXXXXXXX store wanted to charge me approximately {$29.00} to cash the check. instead, I opted to deposit the check into my account. 

I had until the XXXX of XXXX to repay the loan. I was able to deposit the necessary funds into my account and have the bank send a check to Crestline finance to pay back the principal, interest, and the remaining account fee with an overpayment of {$3.00} Having paid off the loan, and still needing some more short term relief, I had tried to reloan another {$400.00}. instead of being able to reloan, I encounter some restriction stating " Awaiting Closeout Letter '' barring me from being able to reloan for a week. with the ruse that they had to wait for the check to clear. 

I believe that the real reason is because they had not made any of the usury fees to deposit/withdraw the cash, and they are punishing me for being to smartly maneuver the system in a cost effective manner. 

They offer a loan with a low interest rate, but they only way to receive and repay the funds is through these high costing methods. 

I see this as a thinly veiled attempt to be able to claim that they are not charging usury interest rates, by instead charging usury processing fees
Consumer complaint received 2023-10-08
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Lockhart, Morris & Montgomery Inc. (TN)

I attended XXXX XXXX XXXX XXXX in XXXX of XXXX. I was given an initial contract showing the program would cost no more than {$9000.00} once completed. I was assisted through the process of filling out my FAFSA and was qualified to receive Pell Grant and other student loans to pay for the program. In XXXX of XXXX  I had still never received my Pell Grant from the school and I also came to find a new contract in my student portal that was never signed by me and had increased the program price up to over {$15000.00}. I was in constant communication with XXXX XXXX ( head of their financial department ) and other administrators regarding the receipt of my Pell Grant that was months over due. In XXXX of XXXX I decided to exit the program and not allow the school to take out anymore student loans in my name. I still had not received my Pell Grant when I left, but I stayed in communication to ensure I received it. On my exit paperwork ( that I will include in my documents ) when I decided to withdraw from the program- I owed no further amount to XXXX XXXX, but they owed me {$3000.00} for my Pell Grant that I was told would be released to me. I continued correspondence with XXXX XXXX and finally received my Pell Grant from the school in the amount of {$3000.00} in XX/XX/XXXX. It was in XX/XX/XXXX that I was made aware that I had a collections account added to my credit report by Lockhart Morris & Montgomery for the amount of {$3000.00} dollars naming the original creditor as XXXX XXXX XXXX XXXX. 
There was never any arrangement or personal loan given to me by that institution. This representation on my credit is nothing short of fraudulent.
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (IL)

Please be advised I paid off Bridgecrest the middle of XXXX, with a refinance from XXXX XXXX XXXX XXXX they cashed the check on XX/XX/2020 and have refused to show the account as paid in full. 

I have been contacting them to resolve this issue since XXXX with no resolution.
Consumer complaint received 2023-10-09
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. (WA)

On XX/XX/2023 Experian sent me an email notification that the balance of one my accounts increased. When I logged in, I saw details that the balance on my mortgage had increased. That is incorrect. The balance on my mortgage has not increased, which I confirmed with my lender. Additionally, I checked the other credit reporting organizations- XXXX and XXXX- and neither of them showed this erroneous information. 
I logged a dispute with Experian through their online process on XX/XX/XXXX and received a notification that my dispute was resolved a few hours later. The dispute resolution a ) did not fix the error and b ) did not show that Experian had taken any action to investigate my issue.