davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated requests, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2024-03-21
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: NAVY FEDERAL CREDIT UNION (MD)

To start, even though I've submitted a similar dispute for some of these charges, I did not include them all, or more have come back on me since first disputing it with you. 

At this point I have every right to complain to the CFPB and hope to get your help getting my stolen ~ {$27000.00} back. I have done everything I can do sort of taking them to court... I disputed the charges as fraud and I received temporary credits at first, but a month or two later they came back and recharged me for these charges, and they continue to charge me interest monthly on the balances.. They also closed both of the credit cards involved.. 

I went to the police and reported the theft.. I reported every single charge to them, who the merchant is that's listed, and how the bank in question ( Navy Federal Credit Union ) refuses to give me my money back... 


I will attach the XXXX dispute forms that has the police report information also on it... 
These reports contain the account numbers of both accounts too, with all the charges and interest listed. I've even sent them this and told them about the police report and they just don't care and keep saying I made these charges. 

Even a experienced fraudster/theif would be able to spoof themselves as me in whichever way needed to make the purchases. They could've used pictures of me, pictures of my ID, my email and phone number. I really don't know the length of which my identity was stolen and used fraudulently... I have tried everything, and this is a lot of money that I'm not willing to just eat... I need my money back... NFCU is stealing from me at this point. I've done everything to prove that It's not me and I was not the one who did these charges. They can't just DECIDE to keep the money and say it's justified, while NEVER providing me with any documentation or whatever they used to come to this decision... I need help
Consumer complaint received 2023-10-25
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. (IN)

I have recently reviewed my credit and have found that their our many errors and accounts that do not belong to me : I do know that my ex wife had my personal information, however Im unclear as to who actually used my information for these accounts that arent mine. I have went to the police and filed a report and have contacted each bureau but havent gotten a response from the appropriate Dept as of yet :
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

Upon review of my XXXX XXXX XXXX report, I discovered there were XXXX checking and savings account transactions as well as XXXX status history transactions reporting from Navy Federal Credit Union without my consent. I contacted Navy Federal in regards to this matter and requested them to provide me proof that I agreed to them reporting these transactions and they couldn't provide me anything. I also requested to opt out of any reporting to non affiliates such as XXXX XXXX XXXX XXXX which they denied my ability to opt out. Pursuant to 12 CFR 1016.10 ( a ) ( 1 ), You may not disclose any nonpublic personal information about a consumer to a non affiliated party unless you have provided initial notice to the consumer as well as notice to opt out with a reasonable opportunity before disclosing the information to a non affiliate. These actions constitute a violation for willful non compliance under 15 U.S.C. 1681 ( n ) in which damages are XXXX per violation per the FCRA. Navy Federal is also in violation within their own privacy policy terms in regards to disclosing my non public information to a non affiliate XXXX party. I'm requesting the removal of all transaction history items from the XXXX XXXX XXXX report as well as civil liability for willful non compliance in the amount of XXXX  per transaction ( XXXX transactions ) = XXXX
Consumer complaint received 2023-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In around XX/XX/XXXX I submitted an identity theft report to TransUnion and XXXX via upload service, to block and remove fraudulent accounts as a result of identity theft, as identified in USCS 15 SECTION 1681c-2 BLOCKING INFORMATION. I provided a social security card and Driver 's License. Although after calling both reporting agencies the following week of XXXX of XX/XX/XXXX. 1st TRANSUNION. " Specialized Fraud Team in which I was told that we reviewed your Fraud Dispute and determine that my FTC report does not meet our requirements and was not blocked, I was also told that contact the furnisher of the information to resolve it. So On XXXX Side I was advised that it will take 30 days to removed which is our policy but keep in mind XXXX disregarded 15 SECTION 1681c-2. Nevertheless, I tired of going back and forward TransUnion should have learned it's lesson in a Case in 2021 TRANSUNION V. RAMIREZ IN A SIMULATOR SITUATION. I WANT JUSTICE AND I WHAT THESE ACCOUNTS REMOVE AS REQUIRED BY LAW IN THE TIME FRAME BOTH I WAST TRANSUNION AND XXXX TO HAVE FINES AND PENALTIES APPOSED BECAUSE I HAVE ALL THE EVIDENCE ATTACHED
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (AL)

I won a dispute with netspend for XXXX and never got the check it was redirected possibly by XXXX XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX or XXXX XXXX. They might have compromised my birth certificate breaking north Carolina closed adoption laws to scam me or if my birth right in north Carolina in XXXX to now I have been XXXX with chlorine.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc. (NH)

XXXX loan, cosigned by my mother. My ex boyfriend managed to tap into the pay out. Im On an unpaid status with XXXX XXXXXXXX XXXX living in low income housing. Im A veteran with XXXX student loan debt. I need assistance
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

Since XX/XX/XXXX i have attempted to have my PMI removed from my mortgage. I had a full appraisal in XX/XX/XXXX which showed by value to be more than sufficient for the requirements. I understood i would still need to pay for their appraiser but we could use that amount as an estimated value. 

I filled out the paperwork, they received, changed the fee, requested new payment etc. Every 2-3 weeks i call and there has been a new excuse as to why the appraisal has not been ordered. Finally they said i owed them an additional {$10.00}, which i paid ( again ) and still have not been contacted by appraiser. 

I have spent so many hours on the phone getting no where with this company. They are in violation of the homeowners protection act. My PMI should have been removed in XXXX at the latest and in XXXX now still waiting for an appt.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. 

In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (HI)

I am writing this complaint to LENDINGPOINT LLC that I want to dispute specific records in my credit file that I find erroneous. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

Hurricane Harvey flooded our home, one year and two weeks ago. Our flood insurance sent repair money to XXXX XXXX, which has now been transferred to XXXX XXXX. It has been a continuous struggle to get our money from XXXX XXXX to pay for the repairs. They have delayed funds by : publishing a non-working address for document submission, refusing to let me speak with supervisors, checks mysteriously lost in the mail, promising XXXX delivery but using regular mail, overlooking uploaded documents, documenting but not acting on problem resolutions, refusing/failing to return phone calls, failing to notify me of additional required documents, overlooking requests for paylment, and last but not least, blocking my IP address so I can no longer use the website to access and manage my claim.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (CO)

I switched homeowners insurance coverage at the end of XXXX, which was to commence on XX/XX/XXXX. The payment for the new policy was directed to come from my escrow account for my mortgage with Rocket Mortgage. On XX/XX/XXXX I received an email from my insurance provider that they were cancelling my policy due to non payment. I reviewed my escrow account online and confirmed that payment for the exact amount of the policy was issued from my escrow account on XX/XX/XXXX. I spoke with Rocket Mortgage and was told that my payment was issued to the wrong insurance company. They indicated they would contact the wrong company to have them issue payment to the correct company. This never happened and my policy lapsed on XX/XX/XXXX. I contacted Rocket Mortgage and demanded that they reissue payment immediately. They indicated they overnighted a payment on XX/XX/XXXX. As of today, XX/XX/XXXX, my insurance company has not received the payment. I've requested copies of cancelled checks multiple times from Rocket Mortgage and have never received them. I have requested a tracking number for the " overnight '' check they supposedly issued that my insurance company and Rocket Mortgage could not provide one. I've requested a copy of the invoice from my insurance company and was not provided it.
Consumer complaint received 2024-05-07
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: FORD MOTOR CREDIT CO. (FL)

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. Ford Motor credit, I paid {$23000.00} ona {$16000.00} loan in just over a year. XXXX XXXX XXXX I paid {$32000.00} on a {$26000.00} loan in 13 months. When I requested ACH authorizations with my signature, they sent me docusign emails that when opened automatically signed themselves with no option to decline, and were predated. 
XXXX  XXXX XXXX did not report XXXX separate payments that were for {$8000.00}, one went to interest.
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (NC)

I recently opened a near checking account with Discover Bank XXXX early XXXX XXXX and on XX/XX/XXXX, I immediately ACH deposited {$25.00} into it from an already established checking account ( XXXX Bank XXXX. That transaction only took XXXX or XXXX days with funds being available. The system with XXXX bank to a trial ACH transaction of its own on XX/XX/XXXX for XXXX cents and that too was processed in couple days. On Friday, XX/XX/XXXX, I submitted request to ACH transfer {$920.00} from that same other account, XXXX bank. Unfortunately funds are not quickly available for this transaction and a hold is put on it so funds wont be available till XXXX. When I submitted the request, the Discover system said that funds would be available in 2 days. I contacted authorities at Discover and they all are saying the process is systematic and they have no way to take the hold off. They obviously have the funds which was verified by the other bank. The specific rules for Discovery ACH tranactions indicate that they typically XXXX take XXXX to XXXX  days but exceptions to that related to disciplinary issues and if the account is new. That means the system may hold funds for XXXX business days. I find that rule very misleading especially with it not being referenced within system itself when doing it. More so, the prior ACH transfers were complete in XXXX or XXXX days, how would I have known that this one would be XXXX weeks. This situation is very misleading, ambiquous and unfair. 
Immediately, I would like the Federal Reserve XXXX to compel Discover Bank to immediately take the hold off since the situation is not clear and I have urgent bills to pay. 

XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX ( cell )
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (MD)

As a former XXXX XXXX enrolled at XXXX XXXX University from XX/XX/XXXX to XXXX, and having attended other institutions between XXXX and XXXX, I wish to address my concerns regarding Navy Federal Credit Union 's practices. During my time as a college student, I faced financial constraints that limited my ability to work extensively. Despite this, Navy Federal Credit Union unfairly targeted me with marketing campaigns promoting products such as the Navy Federal Cash Signature Advance credit card and the XXXX XXXX XXXX XXXX. 

These credit products carried exorbitant interest rates, placing me at a severe disadvantage financially. Consequently, I found myself burdened with overwhelming debt before fully comprehending the implications. Moreover, discrepancies exist in my credit report, indicating inaccuracies regarding the opening dates of these accounts. The Cash Signature Advance credit card purportedly opened in XXXX, while the XXXX XXXX XXXX card allegedly commenced in XXXX, both of which are erroneous. 

As of XX/XX/XXXX, the balance on my Cash Signature Advance credit card stands at {$7400.00}, whereas the XXXX XXXX XXXX card reflects a balance of {$3100.00}. I am deeply concerned that Navy Federal Credit Union 's actions extend beyond mere financial mismanagement. Recent reports, such as the investigation highlighted in the XXXX article dated XX/XX/XXXX, suggest a pattern of XXXX discrimination against XXXX Americans and other minority groups within the credit union 's practices. 

Furthermore, I firmly believe that Navy Federal Credit Union 's targeting of college students like myself with deceptive marketing tactics represents a violation of the Credit Card Act of 2009. By enticing individuals with limited financial experience and resources into accepting credit products without fully understanding the associated risks, the credit union has acted in bad faith. 

In light of these circumstances, I urge Navy Federal Credit Union to reassess its practices and take corrective measures to rectify the harm caused to myself and potentially countless other individuals. It is imperative that financial institutions uphold the principles of fairness, transparency, and equality in their dealings with consumers, irrespective of their background or socioeconomic status.
Consumer complaint received 2023-06-18
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. (CO)

Experian continues to verify unverified information, the accounts while in dispute continue to stay on credit report as they must by law be deleted while investigation occurs. Then if verified accurately put back on, 5 consecutive months of frivolous reporting!
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

received card as a gift American Express gift card website says it was loaded on XX/XX/2023 and I tried using it XX/XX/2023 and it says that there is an issue using the card. The product I was buying did not go over the amount on the gift card even with taxes but it still doesnt let the purchas go through. I called later that day and I was just told that I have a {$50.00} balance by an automated voice. I called the number again and have been on hold for a bit.
Consumer complaint received 2024-03-20
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (PA)

My name is XXXX XXXX I am contacting yall for a update I never received a update on my fraudulent account dispute I reported as fraudulent I never opened with a dispute for a purchases I never made the agent told me she will reopen it but I never hear back about it I want to get a update on it or reopen it or redispute it or make a new dispute or reinvestigated it or make a new investigation for it my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PENNSYLVANIA XXXX and social security number is XXXX and I also need yall to update my mailing address and billing address to XXXX XXXX XXXX XXXX Pennsylvania XXXX so I can receive all yall updates there pleases.
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. (MD)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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
Consumer complaint received 2023-04-21
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX 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  XX/XX/XXXX