davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC (TN)

XXXX refuses to remove PMI as Required in the Homeowner Buyers Protection Act of 1998 at the XXXX XXXX LTV requirement. I have asked multiple times and keep being told that I will need a re-appraisal or BPO, Which is not required once XXXX XXXX. It is supposed to be automatic at that point. 

No missed payments ever, and I put on auto pay. 

I am requesting not only the removal of the PMI, but Legal Shield is also suggesting I ask for a refund of the paid PMI as I am currently at XXXX XXXX and have been overpaying a significant amount at {$80.00} per month. 

They claim they are not required until the original LTV date is scheduled based on the original schedule ; XXXX XXXX has advised that is not the case. XXXX XXXX has advised that the original amortization is for the balance needed to reach the XXXX XXXX concerning the outstanding balance, not that if early payment is made, reducing the amount to below XXXX XXXX Their interpretation is that if the balance would be XXXX on the date first scheduled to XXXX XXXX they can not use the balance amount against the homeowner. Those clauses are clarifications of the definition what constitutes XXXX XXXX ( i ) Concerning a fixed rate mortgage, on the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach XXXX XXXX of the original value of the property securing the loan ; and
Consumer complaint received 2023-08-04
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. (NY)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is Synchrony Bank, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to XXXX XXXX XXXX under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by XXXX, Synchrony Bank and XXXX XXXX XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Additionally XXXX XXXX XXXX has previously attempted to take me to magistrate court in 2021 and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-07-10
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: Open Dealer Exchange, LLC (PA)

I have an unauthorized credit inquiry on my credit report from 700 Credit. This unauthorized credit pull is a serious violation of my privacy and has negatively impacted my credit score. I have not applied for any credit or services that would warrant such an inquiry, nor have I given permission for my credit report to be accessed by 700 CreditXXXX XXXX XXXX I have tried contacting them on XX/XX/XXXX, however the company never responded to the letter I sent.
Consumer complaint received 2024-05-01
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: DISCOVER BANK (NY)

Card was declined due to not being activated. I have the email they sent me on XXXX XXXX XXXX  stating it was declined. Then the charge went through anyway. How can this be?
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (KS)

i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the Late payment mark on my account can be removed. You can view my credit report i have never been late on this account
Consumer complaint received 2023-04-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor 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 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (WA)

I have received 2 or 3 notifications about a { supposed } checking account I have with the Navy Federal Credit Union. 

I called the number on the notification XXXX XXXX to resolve the issue. 
It seemed to me that I reached a legitimate organization from the professionalism of the person I spoke to. He said since he didn't find an account by searching using my name, the only way he could assist me was with my SS number. He said he understood if I reluctant to provide the information and added that he wouldn't provide his in a similar situation. 

That is why I felt I was actually reaching the Navy Fed CU.

I ended the call and contacted the WA State Attorney General 's Office and was referred to the FTC. I logged on there and based on the prompts was sent to Consumer Finance.

I have previously had issues ( many years ago ) when one of the credit bureaus got hacked. I began receiving Fraud Alerts from my CC companies and had to be issued new cards and the whole set of fun and games that goes with ID Theft. 

I hope that there is some way that you can assist me in finding out if this another ID Theft, phishing scam or something else Serious that I need to deal with.

Before logging on I quickly checked my Online Banking info and didn't detect anything unusual, but it was a cursory check.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

I sent NAVY FEDERAL a properly endorsed negotiable instrument for payment that was notarized and authenticated by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This security was sent via registered mail to address XXXX XXXX XXXX XXXX Va XXXX with a USPS tracking code of XXXX which was delivered on XX/XX/2023 at XXXX XXXX EST. This instrument has been acknowledged but not processed to reflect on my account nor has the payment been returned to me by NAVY FEDERAL. 
I sent NAVY FEDERAL two letters to cure this matter in good faith. NAVY FEDERAL responded with three letters stating they were in receipt of the instrument and one of the two letters I sent. Their letter to me also stated that this does not release me from my obligation and I remain responsible for repayment.

In NAVY FEDERALs response letter they labeled this as incident # XXXX. However, even upon repeated request NAVY FEDERAL has refused to either process my payment or return my payment ( security ) in its original form. 

UCC 3-603 ( b ) states that 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. 

I have tried to rectify this matter in good faith, but since NAVY FEDERAL has failed to properly perform their fiduciary duties I have been encouraged to report this matter to the proper authorities.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy federal has let people transfer money take money out of my account every dispute or fraud claim I have filed with them has been denied after I filed police reports and provided documentation showing this was not done by me they again was not protecting my account my code word was supposed to be used if anyone calls or try to access my account and they have not done that they have made there mistakes mine and now Im suffering Ive had over a half million dollars in there bank but yet they have tried to belittle and also called me a liar the leaders over these departments are very rude and not understanding at all navy federal has not so much of givin me a provisional credit and its like they have my account on front so when I call these people lie and are very rude they took my debit cards made me pay off accounts that I didnt compromise and did not do proper investigations or have so much of sent me any kinda notice of these actions that there taking or have taken
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-21
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

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

Account name : NAVY FEDERAL CR UNION Account number : XXXX
Consumer complaint received 2023-09-29
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-04-26
Product: Credit card or 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 (IN)

Paycheck was deposited to my bluebird prepaid card from my job XXXX XXXX XXXX XXXX on XX/XX/2021 and my account was permanently suspended and no one can tell me anything and it has all my money on it
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XX/XX/2024 LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally lodge a complaint against LVNV Funding LLC for apparent violations of consumer protection laws, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( a ).

I dispute owing any and all debts to LVNV Funding LLC and hereby revoke all rights of communication through email, text messages, and phone calls. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV Funding LLC cease all communication attempts immediately. Any further attempts to contact me through these means will be considered a violation of my rights under the FDCPA.

Furthermore, I am formally requesting debt validation as per my rights under the FDCPA. Please provide documentation verifying the existence and validity of the alleged debt, including but not limited to : XXXX. Original creditor information, XXXX. Purchase agreement between LVNV Funding LLC and the original creditor, XXXX. Proof of licensing and bonding as required by law. 

Failure to provide this information within the legally mandated timeframe will be considered a violation of my rights under the FDCPA. 

I expect prompt action on your part to address these concerns and adhere to the laws governing debt collection practices. Please confirm in writing that you have received this complaint and have ceased all communication attempts immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Made payments to interest that accrued while I am still in school. They show the payment was refunded when made but I have not been refunded and they still have the money. The payments are not showing up in my account and I am being charged interest that should not be accruing.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a notice that I was denied in applying for a Bank of America credit card. I never applied for the card. The date I received the notice was XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST FINANCIAL BANCORP (IN)

On the XXXX of XXXX, i deposited a check of {$7900.00} in my account at First Financial Bank, the bank froze my account and requested for an invoice for the transaction. I provided there requested information and they called the owner of the account from which the check was withdrawn from. The owner spoke to them and verified that he authorized and wrote the check to me. The same person sent me a check of {$20000.00} and i deposited it into my First Financial Bank again and they froze my account again despite no single charge back or dispute on my account. They called the writter of the check again and he verified to them that he wrote and authorized the check. These whole issue has cost me my account at my other bank, because I initiated a direct debit upon my first financal bank account but they rejected it and froze my account, due to this situation my other bank froze my account to. At this point i will like to request first financial bank to close my account and send me my remaining account balance through a cashier check to my address on file.
Consumer complaint received 2023-11-29
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. (AZ)

XX/XX/23 a formal dispute letter was sent to equifax to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one pre paid credit card XXXX XXXX XXXX XXXX XXXX Open the account XXXX Closed the account XXXX Pre paid {$200.00}. I paid that amount.I spent {$150.00} Balance owe {$370.00} My Question is How and why Capital One pre paid credit card think that I owe them a balance when I put money on the pre paid card to help out my credit.Capital one all they did is destroy my credit.I have close the account. Capital One is still on my credit report XXXX Capital One made my credit XXXX worst.I know I'm not the only XXXX they have done this too.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.
Consumer complaint received 2024-04-23
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-21
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX