davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (FL)

Approximately 18-24 months ago we started receiving letters from Navy Federal Credit Union ( NFCU ) about the vehicle title to our XXXX  XXXX XXXX . The letters had stated that they have not received our title from the Florida DMV and that we needed to call the DMV to request that it be sent to NFCU showing they were the first lienholder. We called the DMV on numerous occasions and were told that the title states that they are, in fact, first lienholder ( which we have known since purchasing the vehicle ) and that it is an electronic title and NFCU has the ability to pull that information from their database and they will not release the title to myself and my husband. When I called to notify NFCU about this ( on numerous back - and - forth phone calls over the course of 6-8 months ) each time we were told it would be handled but months would pass and we'd receive another letter. The most recent letter we received in XXXX stated that if we did not resolve this issue of the title, they would transfer this loan into a personal loan with a rate of XXXX % ( up from our 2.5 % ). This prompted us to call AGAIN and we sat on the phone for over 2 hours discussing this issue and how to resolve it as there is absolutely NOTHING further we are able to do on our end. They said it looks like there was a " coding '' issue and notes were taken down on our account. I even sent over proof they were listed as first lienholder with documentation from the DMV ( not a physical title ) showing them as first and only lienholder. I was assured numerous times during the end of this call that she had managers on board with this, everyone was aware and that they would take care of this and to not worry and we hung up. We stopped receiving letters and figured this was fixed ; as we were assured ... We logged into our mobile banking app to discover they had jacked up our rate and transferred it to a personal loan. We called again last week or two ago to discuss fixing it but the title department was closed and we were told, yet again, this would be fixed and that she didn't have access to fix these issues. Now we have STILL not heard back after being assured she was contacting the title department. 

This has been ongoing for so long and we have been very patient, as we do truly love Navy Federal as an organization. They have always had phenomenal customer service and treated us very well and we would love to continue to bank with them. However, this particular issue and the lack of urgency and follow-up is concerning to me. I have never been delinquent on any loan or payment, I have provided the proof they asked for and have always been understanding with them on the phone but this is just going on for too long and we have no where to turn for a resolution.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I applied for what I thought was a credit card.XXXX XXXX never sent me a bill or credit card .I never spent XXXX XXXX dollar for any service with them .amd I have a XXXX bill on experian I dispute it with XXXX and XXXX XXXX they removed from my credit report. EXPERIAN REFUSED to remo it off my credit report.I would like it removed and XXXX XXXX account deleted amd removed with Fraudulent charges of XXXXThank you XXXX XXXX
Consumer complaint received 2023-04-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Collection Services, LLC (NY)

I graduated from XXXX XXXX XXXX  XXXX in XXXX. All of my tution and book was covered by a student loans that I took out with XXXX. I never took out any personal loans with XXXX XXXX XXXX  XXXX. In XXXX I was notified through XXXX that a collection was placed on my account. The collection agency name is receivable colletions located at XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX. I contacted the collection agency and notified them that I do not owe this debt. I never took a loan out directly with my XXXX XXXX XXXX. I was given a document showing that I defaulted on payments in XXXX. Which I dont agree with because as I stated earlier all my tution and books were covered under the student loan that I took out with Navient XXXX I notified Receivable Collections in XXXX that the debt should be remove the default date is XX/XX/XXXX it is now XXXX and they refused to remove the debt. It has been over 8 years from the default date. Receivable Collections is reporting a different date to the XXXX so the collection account can stay on my credit longer. I have lost several opportunities because of this collection being on my credit report.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2023-07-09
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. (GA)

This is a formal complaint that I am reporting inaccurate and an incomplete credit information on my report. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts and inquiries that you post on a credit report otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts I demand to see verifiable proof ( Original Signed Contract ) that you have on file for the account listed Below inquiry ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to positively verify these Account has hurt my ability to obtain credit under the FCRA unverifiable accounts must be removed and if unable to provide me a copy of verifiable proof you must remove the account listed below I Demand that the following Account to be removed immediately I do not have any responsibility for the Account youre trying to collect review of account information showed several redacted pieces of information as well as information not belonging to me I have been a victim of identity theft in the past this is on going if you have reason to believe Im responsible for this debt mail me the documents that make you believe that. stop all other communication with me with this address and record that I dispute having any obligation for this Account if you forward or return it to another company please indicate that this account is being disputed In addition please remove all non-account holding inquiries over 30 days old have Submitted documents and other required information to confirm that this Account does not belong to me Under federal law you have 30 days to complete your reinvestigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is herby requested as well, to be provided within 15 days of the completion of your re-investigation below i have also attached a copy of my identity theft report
Consumer complaint received 2024-04-12
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. (TX)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2023-07-10
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)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$4800.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-04-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (VA)

I applied for a Chase Sapphire Preferred card and was informed of my rejection by paper letter about a week later ( XX/XX/2024 ). The letter stated that my application was declined because I already had a Chase Sapphire card active, which is categorically false. I checked my credit report through my XXXX XXXX card to see if there were any strange accounts listed but found none. I called Chase customer service on XX/XX/XXXX and was reiterated that I had a card already registered to my social security number ( SSN ) which I confirmed with them several times, and repeatedly informed them that I did not have a card with them. They confirmed that the name they had in record linked to the card and MY SSN was not mine, yet they refused to take any action despite the error being on their end. They suggested that I call XXXX to verify the information they had on file for me, which I did on XX/XX/XXXX. Upon calling XXXX, they confirmed with me that they do not see any Chase cards to my name or XXXX, and that my name was in fact linked to my SSN. I called Chase again the same day ( XX/XX/XXXX ) and was yet again told that they have a card already linked with my XXXX and that my name is not found anywhere in the account. They suggested that someone XXXX have accidentally used my XXXX when applying for their card and their system must not have caught the mismatch between the name they provided and the XXXX they provided. They suggested that I call the lending department, then the fraud protection department, who were both closed then. I called today ( XX/XX/XXXX ) and was transferred several times before a kind employee attempted to resolve the issue by contacting several departments internally. After about an hour, the employee told me that no resolution was made and that she had written detailed notes which she will submit to her supervisor for review. She suggested that I wait 48 to 72 hours before calling back if I don't get a call back from them. I am at a loss because the discrepancy is very clearly on their end since no credit reporting agency that I've used reports my name or SSN incorrectly or even displays a Chase account. They refuse to take accountability for this mistake and it seems they are ill equipped to handle this issue.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (NJ)

I already submitted the letter that is attached. Long story short, ever since this company started servicing my loan in XX/XX/XXXX, I've had nothing but problems : 1. They didn't pay my real estate taxes to my municipality until XX/XX/XXXX ( after I had to spend hours playing secretary ). 
2. There were problems with my payment in XXXX - due to SELENE updating their server... they started dinging my credit with payment as LATE & tried to put it on XXXX XXXX. 
3. I received an ERMA/HAF grant and they ( a ) failed to properly disclose my ESCROW & conveniently waited until AFTER the closing for the granXXXX, to re-calculate my ESCROW ( XX/XX/XXXX ) & even though my municipality sent the updated tax bill on XX/XX/XXXX. 
4. SELENE still reported the ERMA payments as LATE & charged fees. 
5. I tried, unsuccessfully, to get SELENE to provide evidence for the increase in ESCROW ( they over estimated ). 
6. It is impossible to get thru to them. Someone has created a website to collect complaints & the XXXX had 282 complaints against them over the past 3 yrs. It looks like they have a pattern of mishandling the servicing of mortgages.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized. 
The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 
Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws. 
Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your attention to this matter.
Consumer complaint received 2023-04-19
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

This complaint is against Citibank , N.A . in the capacity as transfer agent for three XXXX companies in which I owned XXXX units. In each case, the units were sold as a result of termination of the XXXX  agreement, and the Citibank is delinquent in payment of the resulting funds. 
Item XXXX is {$32000.00}, resulting from sale of XXXX units of XXXX XXXX and XXXX, account number XXXX. Deposit by mail of the original check was botched by another bank, and on their instructions a replacement check was requested on XXXX XXXX, XXXX. Promised within two weeks, it never arrived. 
Subsequent calls to Citibank, made on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, have been totally ineffective in obtaining payment. After long waiting, I have received what is charitably described as disinformation, on the subject of obtaining payment by wire in particular. Replacement checks were requested in the XXXX XXXX and XXXX.. XXXX calls, of course stopping payment on the previously requested check. 
The only item which has arrived is the XXXX XXXX check, in XXXX, well after payment on this check had been stopped. Mailed from XXXX, with no postmark. A copy of this check is attached. Citibank has my mailing address correct. 
Item 2 is {$26000.00}, resulting from the sale of XXXX units of XXXX, account number XXXX. A replacement check for this item was also requested on XXXX XXXX, XXXX, but has never arrived. 
Item 3 is {$20000.00}, resulting from the sale of XXXX units of XXXX XXXX of XXXX, account number XXXX. I was advised of this outstanding item in the XXXX XXXX call, but it has never arrived. 
A recent printout of my accounts with Citibank shows none of these items, and does not even include the XXXX XXXXXXXX XXXX XXXXXXXX account. Copy attached. 
.. These items total {$78000.00}. Additional damages are claimed. Not only have I lost the use of the money and have occurred large phone bill waiting to be lied to by various representatives of Citibank, but my health has been adversely affected. I am aged XXXX, at identified increased risk of both XXXX and XXXX XXXX..
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened this car loan in XX/XX/2020- which right after this car loan was opened, we had a world pandemic. This car reported lates on my credit report when it should not have - the entire world shut down due to COVID, I was unable to work and XXXX XXXX XXXX knew that and with the government assistance not coming through fast enough and unemployment was impossible to get, there were some lates that happened that were out of my control. XXXX reported a 30 and 60 day lates on my credit report. None of this should have happened in the first place, these lates were out of my control due to the pandemic.
Consumer complaint received 2024-04-12
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.