davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (AZ)

Loan Care was horrible to work with. 
Loan Care hired XXXX XXXX XXXX to foreclose on my home at XXXX XXXX XXXX, XXXX, AZ XXXX. 
I had to contact the investor to save my home. 
Loan Care took 3 trial payments before paying off my loan but yet I didn't get a refund or do I know if it was applied toward the principal. 
The loan closed and paid off XX/XX/2021 but yet the loan did not get released until XX/XX/2021. 

Loan Care violated my rights ; I want a refund
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (FL)

My middle name begins with a " M ''. I have never, nor will ever, substitute that with another letter. For example, " W ''. I have never used a " W '' for the first letter of my middle name. Any transaction history using " W '' as the first letter of my middle name is not to be associated with my identity.
Consumer complaint received 2022-12-31
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 2020-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (PA)

I filled out a credit application to finance a dog from a XXXX pet store. I didn't qualify for the XXXX credit card but was told that I was approved through EasyPay Finance a.k.a. Duvera Billing, LLC. I was not informed that the APR would be at an illegal interest rate of 151.99 %. The loan was opened on XX/XX/XXXX and financed for {$2500.00}. As of XX/XX/XXXX, I owe {$7100.00}. Duvera has reported this as a charge-off on my credit report but continues to report missing payments every 30 days which has significantly impacted my credit score. I do not believe this company is licensed to lend in the state of Pennsylvania and they are charging consumers an unsury interest rate, far above the state 's capped level. I would like company to address the illegal operation they are conducting and get this off of my credit report once and for all.
Consumer complaint received 2022-12-31
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Have tried to file a dispute online with equifax and continue to get system errors. Called them to dispute. They said they account belongs to me but no one can provide me any proof or information about the account being mine. It was not my account and there is no proof it is mine so I want it removed from my credit
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CFS Holdings, Inc (AZ)

In XX/XX/2020, I paid off my Loan to XXXX In full. Since I paid the loan in full, I politely requested to the CSR if they would be able to somehow mark the previous months that were late as " on time '' since I paid off the entire loan in full early. The CSR said that It was not possible and I told him that I will do everything I can for XXXX XXXX to at least reconsider.
Consumer complaint received 2019-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received an email from XXXX XXXX that new inquiry was added to my XXXX  report as of XX/XX/2019. When I looked into it further, the site told me that I had a hard inquiry from Capital One Bank USA but that there was no contact information reported by this creditor.
Consumer complaint received 2020-03-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I've filed 2 online request and one verbal request, by phone, to have Loancare issue payout balance. I am in the process of refinancing my mortgage with XXXX XXXX. Loancare refuses to issue my payoff balance. My 1st request was on XX/XX/XXXX and again on XX/XX/XXXX and on the phone a 3rd time on XX/XX/2020. I have a screen shot ( attached ) of my request on XX/XX/XXXX. I also have the employee 's ID number XXXX. He is the person I spoke to on XX/XX/XXXX. 

Company is Loancare , LLC phone is XXXX website is https : //www.loancareservicing.com/company/contact-us/
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a credit card with capital one. i had it since XXXX they sent me a new credit car and I went to renew it. on the site I saw another credit card. closed but with a balance on it. this was a credit card I paid off long ago. and had a {$0.00} balance. they charged me a {$39.00} member fee/ that i never approved and have been collecting a late fee since XX/XX/XXXX. I noticed today XX/XX/XXXX. they have reported me late 120 days and have tripled the amount owed for the {$39.00} fee for a total of {$130.00} and dropped my credit score to XXXX. 
for 10 years I have never been late on this card. how can they do this to my credit rating after all this time. I have contacted them with no avail.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (OH)

ON XX/XX/2021 I sent a money order Account number XXXX in the amount of {$500.00} for full satisfaction of the promissory note for Navy federal it was sent along with a Accord and satisfaction letter detailing exactly what I was trying to do it clearly and conspicuously Stated please be aware if this money order is accepted/cashed this is the new agreement and contract and will be without recourse for all parties once this payment is accepted navy federal promissory note for XXXX XXXX XXXX IS TERMINATED WITHOUT RECOURSE it also stated the codes and definition of accord and satisfaction so that it would be clear as to what was written on the money order navy federal willing and knowingly accepted and cashed the instrument and therefore agreed to this agreement. 
Please refer to these case law to have a full understanding of the liability that navy federal has to uphold for this agreement.

UCC 3-603, UCC 3-311 , UCC 3-419, UCC 3-205. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX So. XXXX XXXX, XXXX ( XXXX ) )
Consumer complaint received 2020-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

I have a Federal Parent Plus Loan that is currently being serviced by Navient. On XX/XX/2020, I contacted Navient to inquire about lowering my monthly AutoPay amount by {$60.00} as part of family budgeting changes due to the current COVID-19 related financial crisis. I owe about {$25000.00} and was paying XXXX monthly which resulted in a total repayment in about 39 months of a bit in excess of {$28000.00}. I was told by the customer service representative that they could not make the requested change, but calculated a new repayment schedule of {$370.00} a month for 24 months, followed by two terms of payments in excess of {$1100.00} per month that pushed repayment out into XXXX, and would have a cost to me in excess of {$180000.00}. I explicitly told the representative that I did not want this option ( multiple times during the recorded conversation ) and to just leave the account as it currently existed and after a few demographic questions ( address, phone, and email verfication ), ended the call. 
The morning of XX/XX/2020, I received an email notification from Navient that my loan payment terms had changed. Turns out, they were changed to the proposed and rejected new payment schedule from the prior day, without my consent. I called customer service at Navient and complained about the situation, requesting that my loan payment terms be set back to what they were prior to the XX/XX/2020 call. Representative offers a couple of payment plans that were close to, but not exactly what I had had before. Consequently, I asked to speak to his supervisor. The representative put me on hold, and came back after a few minutes, without the supervisor, asking about would I accept one of the new payment plans and that he would internally register an inquiry about how this happened. Again, I asked to speak to the supervisor as what I wanted was to have the account put back to how it was previously. Representative said he would connect me with the supervisor and put me on hold. After a few minutes, he returned and stated that the account was set back to the original payment plan. I never did get to talk to the supervisor. 
While my situation was rectified, I have concerns that Navient representatives are making unauthorized changes to repayment plans, resulting in longer repayment terms and more interest expense for customers. Also, the fact that I never was able to talk to a supervisor and lodge my complaint seems to me to be indicative of a pattern of pervasive dishonest and misleading behavior on the part of Navient.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

Customer support Ticket ID # XXXX TD Bank is refusing to close an account with {$0.00} in it. 

I have asked customer support to do this multiple times and they will not, despite it being marked clearly on their website that you can close a {$0.00} account : https : //tdbank.intelliresponse.com/? & requestType=NormalRequest & source=4 & id=1413 & question=How % 20do % 20I % 20close % 20my % 20account ( s )? 

Not closing the account will result in fees assessed by the bank, so closing it immediately is important.
Consumer complaint received 2020-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Called Transunion and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that TransUnion has not reached out to them and that they have not verified any information. I was informed that TransUnion uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files
Consumer complaint received 2022-07-13
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)

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, On the XX/XX/2019, I bought an airline ticket [ Booking Reference No- XX/XX/XXXX ] from XXXX XXXX using my Bank of America Checking Account [ XXXX ] to fly out the next day. On getting to the airport the next day, I was told my bank had not approved the transaction and the temporary ticket issued was not valid for travel. It was an urgent travel, so I had to buy another ticket at the airport using another account which got approved instantly. 

I have since filed a dispute with BOA [ claim XXXX ] on XX/XX/19 and also contacted the merchant [ XXXX XXXX ] same day with several follow-up calls made for an update but for whatever reasons I keep getting the same response which is that they are looking into it. 

It has been over 3 months since the dispute was submitted and I will like CFPB to help retrieve my money back from XXXX XXXX. 

Thank you so much. Truly appreciate a swift response on this. 

Sincerely, XXXX XXXX.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
PORTFOLIO RECOVERY failed to validate this alleged debt.
Consumer complaint received 2022-12-31
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I was called by the XXXX XXXX chase fraud protection XXXX phone number and received a chase fraud text message. Informing me my XXXX and mobile app had been compromised and the rep was informing me how to reset it and redirect the sent money back to myself just using the same email and phone number I originally signed up with. I was not asked for any OTP, my social, or full card number and was even put on long holds and the person seemed like a genuine chase employee. This person walked me through resetting my XXXX and chase app. After being walked through on my app I was informed I would be receiving a call within 24 hours to regain access to my online banking, when I checked my account later I saw that $ XXXXand {$500.00} had been XXXX out of my account to one with my name on it. I then went into the trash of my email and found multiple emails with authorization code and receipts for the XXXX and XXXX from a XXXX  XXXX XXXX and a XXXX XXXX. When I called my bank 's fraud team at the same number that called me earlier to ask about this I was told No fraud member had called me that day and I may be the victim of phone number spoofing and sadly the fraud department would not be available until XXXX XXXX  on Monday. 

As of XX/XX/21, my claim has been denied due to the fact the IP address for these fraudulent transactions is said to be mine.