davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me 6 insufficient fund fee which are {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. 

Custodial Accounts The combined balances in a minors custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. XXXX year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the XXXX told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.
Consumer complaint received 2023-12-11
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. (TX)

I noticed an account for XXXX on my credit reports. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (OR)

I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. 
Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. 
XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. 
Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. 
I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. 
Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. 

XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. 
Attempts to fix this have been fruitless through both entities. NFCU and XXXX.
Consumer complaint received 2023-11-30
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. (NY)

i reviewed my consumer report and noticed that i had 7 accounts and 12 inquires that is not mine. consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. these accounts are not mine. i demand that these account be removed. 

ACCOUNTS : 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
Consumer complaint received 2023-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I called my lender, Carrington Mortgage, to verify my first payment was not due until XX/XX/XXXX of XXXX and the representative said they never promised me that. When I told her I talked to many agents stating the first due date of my mortgage after the loan modification was on XX/XX/XXXX, she claimed I was lying and that agreement was from my previous lender. I have attached the email from Carrington saying when my first mortgage payment is after the loan modification and the letter they sent claiming that I owed from XX/XX/XXXX to XXXX. 

They also said they would change my mortgage interest rate from 2.78 % to whatever the current rate was, when I told them they could not do that, they put me on hold. 

I will have to file for bankruptcy to get away from these people.
Consumer complaint received 2024-04-25
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX and XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2022-11-19
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : 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 XX/XX/2021 XXXX XXXX -- -- -UNAUTHORIZED ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT-XXXX XXXXCCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX XXXXACCOUNT XXXX XXXX XXXX XXXX-ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXACCOUNT # XXXXXXXX XXXXACCOUNT # XXXX, XXXX # XXXX, XXXX XXXXACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXACCOUNT # XXXXXXXX XXXX-ACCOUNT # XXXX
Consumer complaint received 2023-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NC)

In XXXX Wakefield & Associates XXXX, out of XXXX Tn. sent my wife XXXX XXXX and myself XXXX XXXX XXXX debt collection referenced letters apiece. ( XX/XX/XXXX - total XXXX specific reference # 's - XXXX each individual letter - ten specific Account # 's attached from XXXX XXXX XXXX for each letter received ) These letters were debts allegedly owed for our yearly annual physicals performed for us both & received on XX/XX/XXXX. I answered/provided information for all alleged debt letters received from this company on or about XX/XX/XXXX. In those letters received it stated the following : We must stop collections on any amount you dispute until we send you information that shows you owe the debt. No information was ever received by my wife or myself from Wakefield & Associates through XX/XX/XXXX showing we owed any debt. 
On or about XX/XX/XXXX my wife XXXX and I again received another five debt letters apiece ( XXXX total ) from Wakefield and Associates XXXX for the same amounts of debt allegedly owed for XX/XX/XXXX from last year. But in these debt letters we received all XXXX reference # 's from Wakefield and Associates XXXX were different from last years and the alleged debt owed was now owed to XXXX XXXX XXXX XXXX ( same amounts allegedly owed, one word added in name - Health ) All their account numbers assigned to the debt were now changed with the last XXXX account numbers not matching last years accounts numbers for the same alleged debt owed from last year for XX/XX/XXXX. ( we refuted/responded in writing to these new letters received on or about XX/XX/XXXX ) My wife and I would like your federal agency to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wakefield and Associates XXXX XXXX for unfair and deceptive practices to collect debts allegedly owed according to the Fair Debt Collection Practices Act which became effective XX/XX/XXXX. Additionally we request that your agency provide us with a written report and determinations of your agencies conclusions reached and actions taken against the above companies referenced. 

Thank you for your time and consideration in this matter. XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2023-12-11
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. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (GA)

I have been working on my credit report every XXXX. Each XXXX I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. Experian, XXXX, XXXX, and XXXX.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez, which is an affiliate of ShellPoint Mortgage, charged my escrow account maintained with NewRez for Private Mortgage Insurance ( PMI ) for the months of XXXX and XX/XX/2020 twice. My PMI monthly payment is {$130.00}. The first time was charged on XX/XX/2020 for both months and then again on XX/XX/2020. After contacting NewRez via online messages twice in the last two months trying to resolve the issue, just today, I received an electronic secured message from ShellPoint stating ( Please be advised, Private Mortgage Insurance is paid in arrears. Your payments taken out were for missing PMI payments. We have determined that no escrow occurred, and we are not able to issue a refund. )
Consumer complaint received 2023-06-27
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. (LA)

In accordance with the Fair Credit Reporting Agency Act XXXX, XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

The debt was written off charged off they sent letter saying I owe a amount of XXXX I asked them to send in writing I was told they would be sending me a court date due to non payment and it was like theft I sent a letter requesting them to send contract I signed and all my payments in regards to this debt this was XX/XX/2023 I also disputed it with credit company XXXX XXXX and XXXX Ive received calls every other day telling me to pay or I will be brought up on charges I asked the to stop calling but they still do over and over
Consumer complaint received 2023-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (IL)

I recieved demand for debt with a deadline to respond from Wakefield Associates, LLC. When I called number listed in the letter, operator demanded personal financial informantion and would not provide any information about who they where or why they were claiming debt. 

I responded with a written request for originator of debt. Five months later I recieved a letter with name of another debt collector and no other information. 

I believe this to be a scam. The phone operator was curt and demanding. She indirectly threatened me in attempt to obtain financial information. I did a XXXX search on the debt collector and recieved several cites about scams. All links to company led to series of names of companies with no verification.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX and Experian Credit Bureaus have reported a charge off from XXXX XXXX with inaccurate dates of last reporting and last date active : XXXX EXPERIAN last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I reported an unauthorized transaction to PayPal and my personal bank ( XXXX ) and the transaction was refunded to my bank. PayPal however maintains that I have a negative balance ( the disputed amount ) and refuses to close my PayPal account and protect me from further unauthorized transactions until I pay the disputed amount!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX is reporting on transunion a open account when this is close paid as agreed I am writing to dispute inaccurate information listed on my credit report provided by [ TransUnion ]. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated [ XX/XX/year>, I have identified discrepancies that necessitate your immediate attention : 1. [ Describe the inaccurate account, including the creditor 's name, account number, and any other relevant details. ] 2. [ Describe any other inaccuracies you've found on your report. ] Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (TX)

We bought our first house on XX/XX/XXXX. After our first mortgage payment was made, our mortgage was sold to Panorama Mortgage Group. The first payment I made with them went through their office in XXXX XXXX and the second payment went through their office in Arizona. I have uploaded proof of payment, my bank statements from XXXX, that shows the payment being made to their portal 5 times. I have also talked to XXXX different people that said that the problem will be taken care of and not to worry. The problem is that we keep getting harassed to make a payment that has already been made. The first mortgage payment to Panorama Mortgage Group was made on XXXX. The other XXXX payments were made on XXXX and XXXX. Since XX/XX/XXXX, I have XXXX missed phone calls and called Panorama Mortgage Group 9 times to fix this matter with no resolution. This has now been going on for XXXX weeks and I'm afraid that they are going to put a late payment on our credit and hurt our chances to refinance the house, or cost us more money on other things that require credit.