davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (OH)

i just got this account deleted from my credit report. HOWEVER it was on my credit report with XXXX XXXX XXXX! But because the collection agencies are so CORRUPT, they deleted it because they HAD TO! They just merged with XXXX XXXX XXXX and put it back on my credit report under the merging companies name!!! Which is XXXX XXXX XXXX WHICH IS A VIOLATION! This account was already deleted because it COULD NOT BE VALIDATED! THIS IS A VIOLATION!!!! YOU CAN NOT PUT THE ACCOUNT BACK ON MY CREDIT REPORT UNDER ANOTHER CORPORATIONS NAME AFTER IT HAS ALREADY BEEN DELETED BECAUSE YOU DID NOT VALIDATE IT!!! THIS IS A VIOLATION AND FRAUD!!!! Nor have i ever heard of XXXX XXXX XXXX! Who are they?! I the CONSUMER have never done business with or signed a contract with this CORPORATION! IT IS A VIOLATION FOR THEM TO FALSIFY ACCOUNTS ON MY CREDIT REPORT! ITS ALSO A VIOLATION FOR EQUIFAX TO REPORT FALSE ACCOUNTS ON MY CREDIT REPORT WITHOUT PROOF OF THIS ACCOUNT BEING VALID! THIS IS A VIOLATION! AND FRAUD!!!!
Consumer complaint received 2021-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

I applied for a refinance with Navy Federal Credit Union back in XX/XX/2020. I advised the mortgage counselor I woul be traveling so please let me know what things she would need so I could submit everything before I left. This counselor has done everything in her power to give me the runaround, just yesterday she wanted to order a new appraisal because of all the time that has passed. Several representatives offered to have a supervisor reach out, but none ever did ( at least 7 people said it ). This loan is a {$90000.00} refinance, everything needed was submitted over two months ago ( including everything for closing ). The mortgage counselor is deliberately holding my loan and no one at the company will intervene. I requested to have the .75 % up charge waived on my interest rate, she offered to submit the form for my request. She called me back 5 minutes later, the same day to tell me she saw that I had just changed my address and she was looking through my bank deposits and saw I was getting deposits from NY. So, I yelled at her and told her all I asked her to do was to request to have the fee waived. She tried to imply my interest rate was gon na be higher because it wasnt my primary home. Yet, the interest rates are listed for first and second homes. She tried to discriminate against me, because she had a problem with me getting the lower interest rate. At this point she hasnt moved my loan, and when the escalation team called me she beeped in on the other line. Escalations department told me that I had to answer the call, so they never addressed the complaint but had the mortgage counselor call me. As I am talking to the mortgage counselor, she begins to request stuff that was senseless. I am not sure why Navy Federal service has gone downhill but I am moving my money to another financial institution. She is not 5 months into this asking for paperwork all over again.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I have taken a loan from OPORTUN, with the amount of {$2600.00}, 19 months loan term, payment amount is {$87.00} every two weeks. And I registered automatic pay from the very beginning, it automatically charges from my bank account {$87.00} every 2 weeks. It went well for more than one year. 

One day, in XX/XX/XXXX, I received their call about offering me another loan, I refused it, and told them don't call me again. After XXXX XXXX, they canceled my auto payment without my permission! Without any notice! I didnt know it until 3 months later! After I noticed my credit dropped dramatically -- -- more than 100 score. Then I realized I haven't paid for 3 months. 

On XXXX, I called and argued with them why they did this. They said : because you said don't call you again, so we cancel auto payment! And they asked to pay the rest of the loan plus the late fee {$620.00}. I paid them the rest of the load plus a late fee of {$620.00} as soon as possible to prevent further problems. But I didn't know that my bank refused the payment until 3 months later. So I paid off in XXXX. XXXX. 

All of those happened because they canceled my auto payment. But they still reported me to the credit bureau ( XXXX  and XXXX ) for 3 months late payment and 3 month charged off. Then my credit dropped a lot. It is totally unfair since all of this is not my fault. 

PS : You can see on documents, they wanted to report me for 3 month late payment on purpose that my bank automatically paid {$87.00} on XX/XX/XXXX, but they even returned it on XX/XX/XXXX. After that, they just canceled my auto payment. 

I try to negotiate with them to remove the bad record .They refused. I also reported to Credit bureaus, but failed. 

After I have the bad credit, I recently cant get any loan to support my life during the pandemic ; and every time when I think about what they have done to me makes me very sad, it had been affected my mental health significantly for more than one year.
Consumer complaint received 2024-04-18
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 (PA)

I reached out to Venmo on Sunday, XX/XX/XXXX to confirm that I could receive a large deposit to the account. The agent confirmed that I could, but I would only be able to transfer {$20000.00} to my bank account for the month. I could, however, send {$60000.00} to other people ( friends and family ) or pay bills with those funds. 

I was able to withdrawal some of the money, but no where near close to those stated limits. Venmo is now holding {$47000.00} in my personal account and {$8300.00} in my business account with them. They emailed me to say my account is frozen and I need to send a copy of my ID, which I did. They will not respond to emails. The customer service team said that I basically have to wait for someone to email me and it could take weeks. 

XXXX in the middle of XXXXXXXX XXXX and I need those funds to pay for those and to pay my bills. I cant get any help from anyone at Venmo and I wont be able to survive without that money. I have kids and I need someone to help me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

Credit card interest rate is currently 24.99 %. This is on a BJs Perks Mastercard issued by Comenity. 

Annual interest rate is excessive. Called the company on XXXX and asked them to lower the rate. I am an XXXX year old retiree on a fixed income and am having difficultly paying the excess interest every month. The company would not lower the interest rate even after describing my circumstances. 24.99 % should be illegal. Where I grew up in New York that would be considered loan shark rates.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. This is being reported inaccurately on my credit file, please remove this from my credit report. I should receive a {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TN)

I do not know owe Credence Resource Managemet anything. I have never hear of them and I have never done business with them. If I owe XXXX XXXX XXXX then XXXX XXXX XXXX need t contact me. I hsve tld XXXX XXXX XXXX  that I don't owe them anything. I paid my bill to the in XXXX of XXXX  the whole Bill. AFter 5 days XXXX XXXX XXXX tried to charge me for two months of service they I never received. I asked for mangers and supervisors. Two supervisors were supposed to call me back and neer did. I ended my service with them on XX/XX/2022. I paid almost {$1000.00} dollars. You can not charge a customer for service that was never rendered.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I opened a new checking account and request a new debit card from Bank of America. 

On XX/XX/XXXX, USPS informed me that I was going to received a mail from Bank of America ( as in the attachment ). I supposed this is the new debit card the bank sent me ; however, I have never received the mail. 

On XX/XX/XXXX, I received an email from Bank of America that someone used the new debit card to withdraw {$1000.00} from ATM and purchase {$1500.00} of electronics ( as in the attachment ). I immediately reported the fraudulent charge to the bank. 

On XX/XX/XXXX, Bank of America provided me a temporary credit of {$1000.00}. 

On XX/XX/XXXX, Bank of America declined my claim and reversed the temporary credit ( as in the attachment ).
Consumer complaint received 2023-03-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (GA)

XXXX Credit Reporting Bureau XXXX Equifax Address:XXXX  XXXX XXXX XXXX XXXX GA XXXX Re XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on ( XX/XX/XXXX ). The credit report of ( XX/XX/XXXX ) shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Not only were they re-inserted illegally, but these accounts do NOT belong to me. I have provided you with a plethora of documentation to support being the victim of identity theft. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have included the FTC, and my attorney. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

On XX/XX/XXXX, & XXXX of 2024. I contacted I.C.System INC in reference to Account # XXXX being in violation of the FCRA specifically 15 U.S. Code 1681 Congressional Findings and Statement of Purpose. I requested a Debt Validation letter with my wet signature support this account being reported on my report, all to no avail. Im requesting this fraudulent third party account be closed immediately.
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.
Consumer complaint received 2021-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 I filed a complaint with CFPB for XXXX XXXX XXXX, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email XXXX XXXX
Consumer complaint received 2021-01-10
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: Credence Resource Management, LLC (MI)

On XX/XX/2020 I filed a complaint with CFPB for Credence Resource Management, through the CFPB for the debt titled XXXX  for {$980.00}, they removed the debt back then but then put it back on it this past XXXX. 


This is predatory, this isn't mine. That's why you guys had them delete it in the first place. 

Here 's the previous complaint XXXX It was removed for 9 months until it came back. This is not y debt.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (GA)

For one, there is information on that I used to live in XXXX XXXX. When I have never lived in New Jersey. 
Secondly the report said there was an adverse report from the state of XXXX and there shouldn't be anything there. Especially since I had just moved there. 

I asked them to look into it and they repeatedly declined. I also asked for a copy of my report, since I accidentally deleted it and they refused repeatedly. 

This company is extremely unprofessional and people should be aware.. Use another background check company
Consumer complaint received 2022-11-23
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Since XX/XX/XXXX I've been charged interest three times. 
My loans are subsidized and unsubsidized Federal Ed. 
I was allergic to this by my credit report that my loan amounts had changed. 
I'mconcerned that if I'm being charged so are other people without their knowledge. 


XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00}
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Chase decided to close my account with a remaining balance of XXXX dollars. They have restricted the account and refused to honor payments from the account for which funds are available. Initially I was told that the check would be mailed to me within XXXX to XXXX days. After a week, they are now informing me that it could be up to 45 days, followed by a XXXX to XXXX day waiting period before mailing it. When I asked to speak to a supervisor they told me I could go to a local branch and have a branch XXXX lift the restriction. When I attempted to do so on XX/XX/16, they informed me that there was nothing they could do and it would be a minimum of 15 days.