davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: NAVY FEDERAL CREDIT UNION (LA)

My husband and I applied for, and received a mortgage loan from Navy Federal Credit union. We were approved for a loan for XXXX in XX/XX/XXXX. We are currently stationed in the state of XXXX  on permanent XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  and have been since XX/XX/XXXX. We contacted XXXX XXXX by phone to request our interest rate be lowered because of a law specific to XXXX. The XXXX  revised statute title 29 : 312 limits the amount creditors can charge for interest rates on loans to 6 %. We requested our loan rate be reduced due the fact we our XXXX XXXX military stationed in XXXX. They confused our request with the XXXX XXXX which only covers debts before XXXX XXXX, and claimed we didn't qualify. We sent them a copy of our orders to prove our residency in the state. However the XXXX  statute applies to any/all debts incurred by XXXX XXXX service members after XX/XX/XXXX. We simply want our interest rate reduced as Navy Federal Credit Union is in violation of XXXX  Law.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (TX)

Sallie Mae is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, Sallie Mae has been validating this debt and account information to each credit bureau and they are also reporting multiple inaccuracies on my credit reports causing me to get denied. 

Each credit bureau as well as Sallie Mae has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Consumer complaint received 2023-02-01
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. (TX)

XXXX XXXX is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

Transunion is still reporting a monthly payment and balance for this account and XXXX and XXXX is not. They are also reporting inaccuracies pertaining to the open dates. Transunion is reporting this account was opened on XX/XX/XXXX and XXXX and XXXX is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Lastly, they are reporting different report dates. Transunion is reporting XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau Transunion, XXXX and XXXX has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX a return deposit of {$5300.00} was withdraw from my account. The money was never deposited. A check with false information was made out to me, and someone forged my signature. The check they wrote was all fraudulent, from the company name, address, bank etc. I went to Truist on the XXXX of XXXX and started a claim with the fraud department I received a letter in the mail on XX/XX/XXXX dated the XXXX stating that Truist denies my claim. Back to the bank XX/XX/XXXX to discuss this matter with the relationship Banker, she called the fraud department and reopened the claim. I am to meet with the Banker on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-01-03
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: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2020 I received an inquiry from XXXX XXXX which I did not apply for. I have no recollection of ever applying for their credit products and live about 2 hours away from the nearest XXXX XXXX XXXX. 

I also got 2 inquiries on the same week from American Express. One on the XXXX of XX/XX/2020 and another one on the XXXX of XXXX of 2020. I am unaware of how these inquires got on my report.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

lease help me and possibly XXXXXX/XX/XXXX of others whose accounts have been closed randomly and all the money taken from them. We are in the middle of the worst crisis and now they took my money. I do not have enough to feed my family or put gas in my car to get to work. 

After they closed my account I did some research and they are doing this to thousands of people. I spoke with two supervisors and they actually went through my entire account and could not understand why I was close. 

My issue is probably small to some I had {$720.00} in the account but I really needed that. 

Please contact me. 

I have all the documentation you need to prove Chime commited fraud. I am going to call and email once a day until this is resolved.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (CA)

I received a copy of my lexus nexus credit report. After contacting Experian, XXXX, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, XXXX, and Experian, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from XXXX, XXXX, and Experian, which I have reviewed for accuracy and completeness. 
I assert that XXXX, XXXX, and Experian are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of XXXX, XXXX, and Experian violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, XXXX, and Experian, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, XXXX, and Experian cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (IL)

My first request was simple. And you failed. Miserably. I still don't recognize these inquiries they forgot to delete and they provided absolutely no documentation or proof that the inquiries in question were obtained according to the Fair Credit Reporting Act. 

Once again, you gave entirely no proof and forgot to delete these listed below. 

XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (MS)

Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. 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 These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Mortgage company did not pay taxes to county for 2022. Now I am 4 months delinquent, there are penalties and interest and late fees as well my credit history and I am unable to XXXX permits for project on the house due to delinquent taxes. 

My mortgage is responsible to submit taxes to county and they failed. I called 7 times and each time they had no idea what is going on. They just transfer me to another person who doesnt know anything about taxes. I asked to talk with someone in escrow or who ever is in charge depositing taxes to county and they said we are not sure where to transfer you.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (AZ)

We sent a check by mail on XX/XX/2020 for {$2200.00} to a mortgage company XXXX XXXX XXXX XXXX ) and the check was stolen on XX/XX/2020. The check was taken to BMO Harris bank at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX and a BMO Harris teller cashed the check for a " XXXX XXXX '' even though the check was made out to XXXX XXXX XXXX In addition, we were charged a {$38.00} account analysis service charge on XX/XX/2020, to analyze an error that BMO Harris made.

We have reached out to BMO Harris multiple times in person, in writing and over the phone. We spoke to a branch manager in person who said if we filled out the required paperwork, we would get our money back. We did this XXXX  separate times in person to retrieve these funds and BMO Harris has taken no action to amend this situation.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I am very dissatisfied with Select Portfolio Servicing with their decision of not trying to work out a affordable payment. I have talked to clients who has a mortgage with Select Portfolio Servicing and they assured me that they are a very XXXX collection agency who will not work with their clients. I am in total agreement with the client. I myself XXXX XXXX is willing to pay a affordable rate of the XXXX. I am unable to pay the XXXX that is being requested. Can I please get some assistance in this matter. This is a back and forth issue. I also has been told Select Portfolio Servicing love to send XXXX people mortgage to foreclosure. I want a fair mortgage payment please. Can I please get what I am asking at this time.
Consumer complaint received 2023-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (MA)

I ordered a phone from XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and paid a sales tax of {$49.00}. I changed my mind and canceled. XX/XX/XXXX, they emailed me a return label and returned the brand new phone, never used and in its original Packet. They emailed me that they received the phone and refunded me {$48.00} tax which was paid during the phone order. Please look at the attached email dated XX/XX/XXXX, from XXXX XXXX XXXX. 

I sent these documents to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX about this issue before they send it to the collection. 

Please review all documents and remove my account from the collection. How can I be responsible for the phone I returned on time per their direction? 

Please help me and solve this problem. 

Thank you
Consumer complaint received 2023-06-14
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (GA)

Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might 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 that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX