davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (TX)

Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. 
The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. 
CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account.
Consumer complaint received 2023-09-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Spring Equity LLC (IN)

We started our refinance through XXXX Mortgage. They use the company Spring EQ for loans such as ours that involve refinancing and HELOC. This process started around late XXXX early XXXX of XXXX XXXX. We provided everything that XXXX needed and they would keep in touch with Spring EQ. As far as the first few months of the loan process go we are in the dark or have bits of information from XXXX about XXXX XXXX because Spring won't answer them or us. They kept requesting documentation all throughout the loan process even after we all assumed the underwriting process was over since it would take XXXX days which was quoted. We paid {$520.00} on XX/XX/XXXX to Springs appraisal company XXXX XXXX and got the paperwork back XXXX first. The loan process has taken so long that it has been restarted twice and now in a few days it will be a third time. The first loan I and my husband was apart of, so the appraisal was in my name since I paid for it. Now before we were told closing is soon they get a notice back from the appraiser that they couldn't go through with Springs request to change the name from mine to my husbands on the appraisal document. That it was illegal and Spring should have known that process. A simple name change turned into weeks of waiting and no response. The company has continued to ignore XXXX mortgage who has been waiting for a clear to close. I messaged Spring on XXXX today XX/XX/23 and they said the issue would be escalated and XXXX XXXX would reach out. I was told she was an XXXX, but when she called she said there was nothing more she could do and would escalate the issue again. We emailed XXXX XXXX as well and tried to contact her multiple times to no avail and it has been weeks. We don't have dates of action from Spring EQ because they haven't performed any actions. Spring had us lower our requested amount due to our appraisal being low ( though other places had us at a higher rate ). Each time we push out closing we increase the rates and lose the original amount we wanted. It's almost like they do it on purpose. My husband has taken off time for work to provide documents and deal with XXXX through XXXX. We both have received papers in the mail stated the loan was terminated due to incomplete credit application so we wonder if the company has been taking our personal information, but not doing anything at all.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capitalone claims your automaticly eligible for credit line increase in all little as 6 months. That's not at all how Capitalone works. 
Also for secured card there is no way to put my own cash on card to increase my limit myself. 
These two claims are on most ad for there services tied to that card.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

MrCooper XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX The homeowner recently called in to MrCooper and was told on a recorded phone call to do a short sale. The homeowner immediately listed the property and the listing agent procured an offer. Now that we are trying to start the short sale in XXXX we are being told that MrCooper never had any intention of entertaining a short sale. 

**If you had no intention of reviewing for a short sale why was the homeowner lied to? 

**In Addition -- -- Prior to the homeowner calling in, neither the homeowner nor their attorney received any notification from MrCooper of foreclosure avoidance options. If you are going to tell someone on a recorded line to submit a short sale package, never communicate regarding foreclosure avoidance options, WHY are you denying them for a short sale BEFORE YOU HAVE EVEN LOOKED AT THE OFFER??? 

**MrCooper was very clear with what they wanted as far as submission for a short sale for this homeowner, therefore the homeowner did not misunderstand anything at all. I want the file reviewed for a short sale LIKE THE HOMEOWNER WAS TOLD WOULD HAPPEN.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (FL)

ONLINE INFORMATION SERVI Account number XXXX This Company has Failed to validate, Verify this account, They have been reporting to my credit reports and I have no knowledge of this account, I have requested and disputed properly and formally for this item to be removed for my credit report as per the fair credit act.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (CA)

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. 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 Experian 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 emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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. (CO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

I have contacted this company directly, American Capital Enterprise, in XX/XX/2022 to remove this collection debt of {$690.00} for XXXX XXXX XXXX XXXX, and they obliged. Then a week later it was back up on XXXX, which I contested and XXXX decided in my favor on XX/XX/2022 ; disputed id XXXX. They put it back up on the same day for the 3rd time and XXXX won't let me dispute it again since it had already been decided on? It was decided in my favor so I don't understand. Not only did I pay this amount, the debt collector never sent any notice, never made any contact. When I originally contacted them, they still never sent an overview. I have USPS service where I can see what mail is coming in so there's no way I missed it.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-04
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. (IL)

the consumer agenies are violating my rights.

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2023-01-27
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. (FL)

This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
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. (CA)

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX  , Transunion , and XXXX  credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, XXXX, and Transunion credit report due to my identity been stolen.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

Therefore, Im demanding that the following items be DELETED from my consumer report/ credit report immediately. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX -Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. )
Consumer complaint received 2023-02-01
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. (OH)

To whom it may concern : Ive notice unauthorized inquiries on my credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquires they are unauthorized, and I demand that they be removed immediately. 
I have listed the hard inquires below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fcu - XX/XX/XXXX
Consumer complaint received 2020-12-16
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: AMERICAN EXPRESS COMPANY (NY)

I attempted to extend myself a credit card through XXXX XXXX followed by American Express. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXXXXXX XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.
Consumer complaint received 2022-11-10
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00}
Consumer complaint received 2023-05-27
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. (TN)

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. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc. (FL)

Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX  when it was with another debt collection agency XXXX  removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. 
The amount on debt {$310.00} Last 4 digits of social security number XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.