davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My mortgage was transferred during Covid to XXXX mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, XXXX put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. XXXX reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to Experian verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. 

They recently took a family members amended tax return that came to my account to pay my debt in full. 
The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. 
Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. 

They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IL)

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. 
I have been disputing incorrect and fraudulent information that Experian Credit Reporting Agency has on my credit report for the past year. I submitted Identity Theft report number from the Federal Trade Commission and internet crimes related to illegal use of my information along with other proof invalidating info they have on my credit report. I have found that my personal information has also been used to apply for credit cards. I have received an couple of emails from Experian stating they ran my information and found it on websites and is exposed to identity theives. However, Experian does not take this into consideration while I am disputing fraudulent accounts and incorrect information on my credit report. I have sent Experian every peice of information about myself but they have not done a real investigation. Instead, they add the information that I have provided to the profile/data they have already created. Their data is a mixture of accurate and inaccurate information that Experian does not want to sort through or validate. 
I've contacted multiple companies during disputes. Experian has not although they claim they investigated. Their dispute results always come back as " verified and accurate ''. I have repeatedly requested specific information related to their investigation such as : what companies did Experian contact, what phone numbers they used, who did they talk to, what time did they talk to them, and what information was provided.

I have not received any of the answers.

I dont know if Experian are trying to use a scare tactic to get me to upgrade my membership on their website and pay for one of their Identity Theft protection packages or what.
Consumer complaint received 2023-11-25
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: NAVY FEDERAL CREDIT UNION (NY)

I received notification via email alerting me of an inquiry made on XX/XX/23 by Navy FCU. I contacted them to resolve issue and was notified that a credit card was approved for a application I did not complete.
Consumer complaint received 2022-12-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
BK OF AMER XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

An American Express card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to XXXX ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Our mortgage got sold to BSI Financial towards the end of XXXX. In XXXX, we received an escrow refund check from them. I called to see if they could cancel the check and just apply it to the next year 's escrow account so that our payments would not increase. The person I spoke with told me they could do that, but then called back right away to tell me that it was too late to do anything because the escrow account had already been calculated. He also said I should call back in XXXX before XXXX ( no exact date ) to make my request. I called in XX/XX/XXXX and spoke with XXXX, who said that I had to send an email request in. I did that. I also emailed again several times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In each email, I asked to have any and all escrow overages applied to the next year 's escrow account instead of sending us a refund. I also asked not to be called back ; I sometimes have a hard time understanding people on the phone and I also wanted a response in writing. BSI tried to call a few times, but I didn't answer. They finally emailed via their secure site on XX/XX/XXXX. That email stated, " We are currently processing your request. '' I then looked on my account on the BSI site on XX/XX/XXXX to find that they had sent an escrow refund check. I emailed them again XX/XX/XXXX to make a complaint about it. I just got off the phone with XXXX, who called today ( XX/XX/XXXX ) to talk about my escrow overage request. She put me on hold for over 10 minutes and I ended up getting sent to a generic voicemail. All I wanted was for any excess money to be applied to the next year 's account so that our payments would not increase and they wouldn't even communicate with me in writing, even though they had 3 months to do so.
Consumer complaint received 2024-04-18
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. (IL)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2023-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

On XX/XX/2023 I contacted Fox Collection in order to settle any amounts owed. They agreed to a settlement payment in the amount of {$870.00}, if paid in full, which I did. 

Now Fox collections has hit my XXXX credit report with a major derogatory saying I still owe them {$130.00}. 

Under the settlement agreement we made on XX/XX/XXXX, this should have been reported as settled/paid in full.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX XXXX Has violating my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 2 : It also states a consumer report and agency can not finish account without my written instructions 15 USC 16668 ; A creditor may not three payment on a credit card account on there in open end it consumers credit plan as late no purpose
Consumer complaint received 2020-03-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc (GU)

I owe a debt to XXXX XXXX. The debt is now with Ad Astra recovery. They took the debt XXXX of XXXX. After two years they attempted to take the funds out of my checking account without any authorization or notification. They took XXXX $ and two other transactions were returned for insufficient funds on XX/XX/XXXX. I am a XXXX veteran who needed this money to make it through the rest of the month of XXXX. I attempted to call Ad Astra recovery to get my money refunded and they said they would not refund it. They have never once tried to contact me. And after 2 yrs of having this debt they attempted to collect it from my checking account. No authorization for this company to collect this debt from my checking account. This was my XXXX from the VA they took from my checking account.
Consumer complaint received 2024-05-24
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. (MD)

The account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account XXXX from my report.
Consumer complaint received 2023-11-25
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: Experian Information Solutions Inc. (DE)

There are inquiries that I am not aware of showing on my credit report.. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX need to be removed because under XXXX benefits my payments should not exceed over 6 %.. The creditor is stating that I have been approved for SCRA benefits applying to this account but it doesnt qualify for the 6 %.. Please remove this account from my credit report as this is not lawful..
Consumer complaint received 2023-10-26
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. (OR)

This is not my account I do not owe XXXX XXXX XXXX any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Ive had a checking account with citibank for approximately 7 years and over a week ago I became aware that they have decided to closed my account, I got in contact with them via phone and I was not told an specific reason as for why did they closed the account, they told me that they have sent me a check with the amount of the funds I had in the account but I have not received it yet, I Am writing this complaint because I need help getting my my funds back, since its all the money I have at the moment.
Consumer complaint received 2024-05-24
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. (SC)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I contacted Truist by phone about canceling my PMI insurance in XX/XX/XXXX. I was told that I can not request the cancellation by phone that I can only cancel it in writing. I proceeded to send a letter in XX/XX/XXXX to cancel my PMI as I am beyond the 20 % required equity. I was sent a letter wrongly denying my request. I again sent a second letter on XX/XX/XXXX that Truist received on XX/XX/XXXX. I waited again the required 30 days for a response. I call on XX/XX/XXXX after never getting a response and was told that they did receive the second letter but they have " dropped the ball '' as I was told. I asked to speak to someone in the PMI department and was told that they do not take phone calls at all. I then asked to speak to a supervisor and was told that I could not do that either. I then asked how to submit for the audio of our recorded conversation and was told that I can not get that once again. They told me to subpoena them. How do I go about getting this handled if I can not contact anyone at Truist and they will not let me talk with anyone who can help? Do I really need to get a lawyer to do a simple PMI cancellation??? 

This is truly unethical and mischievous business practices. Of the tens of thousands of mortgages how many people do they do this too? I bet they make millions off screwing people around like this!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me XXXX of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX  I dont recall being late on this account. Please verify all information is 100 percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account.

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Section 609 ( a ) ( 1 ) of the Fair Reporting Act ( FCRA ), you are required by federal law to verify any all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file the late payment listed on the following account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report