davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (MD)

I have received a credit card from Navy Federal Credit Union, for {$10000.00} I have been paying my bills every month and pay over my minimum amount. Ive been paying on this credit card for a period of almost XXXX. I just received my monthly statement and my balance was {$8800.00} after XXXX years and u only given me XXXX XXXX dollars, I was about to lose my mind! Wheres my money going to my balance should be lower than this, they informed me they are charging me {$40.00} a day for getting advance cash of the credit card. What Im paying close to {$30000.00} once Im finishing paying for {$100000.00} theyre going crazy and XXXX like to file a suit for mental anguish and stressing. 

RESPECTFULLY SUBMITTED XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (OH)

Accounts from XXXX XXXX XXXX XXXX  all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

This complaint is a direct response to the actions PayPal claims to have taken in the response it originally provided to CFPB complaint ID XXXX. 

As part of the original complaint, I specified that due to limitations placed on my account, XXXX, I was unable to access the remaining funding in the account or initiate a transfer. At this time, despite the changes represented in the companys original response, I am still unable to access my funding or initiate a transfer. 

Even after PayPal claimed to have re-configured its internal limitations to allow the addition of new banking information, I was unable to do so. It was only after I complained again to PayPal through its website, and received no response or acknowledgement that the claimed changes were actually made permitting to add new banking information. Today, I remain unable to access the funding or initiate a transfer to my banking information. 

Furthermore, the system is now prompting me to confirm a code associated with a temporary credit/debit of {$1.00} to the new information. The transaction I see from PayPal is not in this amount, nor does anything even vaguely resembling the requested confirmation/verification code. Altogether, I still remain unable to access my funding or initiate a transfer despite the claims PayPal misrepresented in its response to complain ID XXXX. 

At this point, I am completely fed up with PayPal and its alleged resolutions. I do not want to confirm any additional banking information or verification codes. I do not want to engage with customer support. I want my money. Please confirm how a check can be mailed to the address and account holder of record. No other resolution will be considered satisfactory in light of the repeated bad faith actions and misrepresentations PayPal has made on this matter thus far.
Consumer complaint received 2023-08-22
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)

n 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 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 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 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 2023-01-25
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: EQUIFAX, INC. (GA)

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 2023-02-19
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: EQUIFAX, INC. (CA)

15 U.S.C 1681 Section 206 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc. (TX)

I used my XXXX card to pay for a {$200.00} hotel room deposit, which was supposed to be refunded to my card after five to seven days. It's been ten days, and the money still has not been deposited back to my card.
Consumer complaint received 2023-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Closed heloc being paid off monthly including extra principal payment. I have seen this on more than one recent statement in addition to the most recent one attached. The attached shows a Previous ( beginning monthly statement ) Account Balance of {$20000.00}, but an Average Daily Balance of {$20000.00} used to calculate interest. HOW ON EARTH CAN THE AVERAGE DAILY BALANCE BE HUNDREDS OF DOLLARS GREATER THAN THE PREVIOUS ( beginning monthly statement ) Balance? This account has been closed for over a decade and the balance can ONLY DECREASE. This same bank actually reported to credit bureaus a few months ago that the balance had increased, also. Their statement is absolutely ridiculous and their computer systems are obviously stealing extra interest from me with this fraudulent calculation of average daily balance.
Consumer complaint received 2023-02-02
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: Bread Financial Holdings, Inc. (NY)

I received two hard inquiries on my credit report on XXXX One was on my XXXX credit report by Comenity Capital/XXXX where I spoke to XXXX and Comenity Capital/XXXX and found out that it was for cosmetic services and the application was approved for {$3200.00}. I spoke with Comenity representive and they said they would cancel the account as fraud and will take care of the hard inquiry, but I want confirmation this has been done. I then received another hard credit inquiry by XXXX XXXX also on XX/XX/ and also received a text with code and I did not request this. I called XXXX XXXX and they confirmed that the person had all my information and applied online-except older address-and applied online but was denied so no account exists due to fraud, but I want to confirm the hard inquiry will be taken off.
Consumer complaint received 2023-06-19
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: FC HoldCo LLC (VA)

XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (LA)

AmerAssist holds no delegation of authority to conduct business practices in the state of Louisiana where i reside. They have no current license or bond insurance with the State of Louisiana to collect debt or act as a debt collection agency authorized to do business in the state of Louisiana. i also do not consent nor contract to do any business with this company.
Consumer complaint received 2023-05-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-22
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am very worried And concerned about my home mortgage with wells fargo bank. I have been trying to work with Wells Fargo bank. On this Loan modification since XX/XX/2022 Till present to make the monthly mortgage more affordable. Currently my monthly and have been sending payments of {$2100.00} every month so far. I have submitted all the documents requested so many many times! Wells fargo bank is threatening to foreclose my home and throw my family to be homeless! The stress is overwhelming! 
I have already sent XXXX letters to President Joe Biden, Members of Congress and the Senate about the discrimination and retaliation against my family. 

EXTREMELY VERY URGENT EMERGENCY ISSUES!
Consumer complaint received 2023-05-13
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. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & # XXXX has violated my rights. 


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.

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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CAPITAL ONE ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2023-06-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NY)

I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to XXXX XXXX XXXX. Around XX/XX/XXXX, I received a letter from MRS Innovative solutions, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that XXXX XXXX XXXX had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. 

I called XXXX XXXX to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked MRS why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. 

I am trying to find out why payments were stopped by XXXX XXXX that led to the debt being owed in full. When I spoke to the representative at MRS I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with XXXX XXXX and was taken off the plan without my knowledge. 

To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I just spoke to the Executive Team at Bank of America and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to Bank of America what I have paid and this person still tries to spin it in different ways and Bank of America now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

There are wrong issues appeared on my report,  XXXX  ANISTEE JUSTICE COUR  XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX
Consumer complaint received 2022-11-23
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.