davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal Credit Union is supposed to protect the monies of veterans and their families however they have been holding over {$100.00} of my money for over a month! When calling I have been treated rudely, unprofessionally, hung up on and interrogated and accused like i was a criminal. I did receive a voicemail from a lady " XXXX '' ( ph # XXXX XXXX ) and although my situation is URGENT, she stated she would send me a letter. How long does that take? As a Veteran currently suffering fron XXXX, XXXX XXXX, and homelessness i would expect Navy Federal Credit Union to be more considerate and compassionate plus respectful!. I need Help! i need my money! Talking the Navy Federal Phone reps have set me back emotionally, psychologically, and i had to go to the hospital for 3 days to try to recover from the experience, Is this how you do Veterans Navy Federal Credit Union? Unacceptable!. PLEASE ... release my money today so i can continue to focus on my life ... I need help! 

XXXX XXXX XXXX disputed fee XXXX double charge XXXX XXXX never got food disputed fee XXXX XXXX XXXX unauthorized charge dispited fee XXXX XXXX XXXX fraudulent charge XXXX
Consumer complaint received 2015-05-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I had on XXXX XXXX 2014, paid to this company all medical bills that they had on file. I also went to XXXX XXXX and paid off all debt that they have had for me. This was over 3000 dollars and they told me that I did not owe them anything else. I have recently received phone calls and was very rudely told that I could not receive a statement. I asked for a statement in paper in XXXX for taxes. They did not send it. Instead they offered an over the phone statement. Now they are saying they sent a paper one and that if I wanted to know if I owed it I should look at the statement I was " given '' in XXXX. They have been reporting this debt to my creditor and I have no idea where it came from.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

XXXX XXXX we applied for a refinance loan with Citibank . Our permanent residency at the time was a coop in XXXX, NY. 

Nine long months later.. 

XXXX XXXX XXXX to a family emergency we had to temporarily move out of state and decided to rent out our home. 

We were notified that our loan was declined because the coop was no longer our permanent residency and we were renting it. 

The refinance process took 9 months and throughout we were told that the COVID pandemic created delays that were out of their control. We were asked for duplicate copies of the same documents, asked wrongly to comply with multiple appraisals and our calls and emails were ignored by the representatives we were assigned and their supervisors. 

Just this week ( XX/XX/26 ), sales manager XXXX XXXX reported to us that his supervisor again declined our loan. Mr. XXXX agreed that there was a high level of incompetence by those who handled our application and he felt that we should be approved. However, ultimately, he said that that he couldnt do anything. 

If this process had been handled appropriately then according to Mr.XXXX  it should have been approved and closed in three months from the start of the application. 

Citibank messed up and now we have lost out on a significant amount of money for our family.
Consumer complaint received 2021-08-06
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

PAYPAL Scam company from XXXX was trying to still money from me and they said that they were from XXXX reviews and I was selected to participate on XXXX review programs at that point I didn't know that it was an scam company I believe them that they were from XXXX and they said that they were going to deposit money on my paypal account so I can try the product and write ONLY a good review. Start feeling that something was off and I ask them to cancel, they said that they couldn't and I told them that I was going to report the to XXXX they asked me to not do that ( I have the emails as proof ) they apologize and they told me that I don't have to send the product or money back ( I have proof of that as well ) months after the scam company subbmited a dispute against me about the {$30.00} to PayPal.

I spoke with a representative ( 3 of them ) all of the reps seems to not knowing what their doing and they just throw the ball between each other giving any kind of different information. Finally after 2.5 hours on the phone trying that they helped me I talked to a supervisor. She requested information from me she ends up telling that that
company was not scaming only me but also other people and she even gave me a gift card of {$30.00} ( Paypal Supervisor ) she said to make it up for the time that I wasted and the dispute was soved and close.

3 months after received a collection letter from paypal for the same dispute, someone didn't do their job there and not updated the system, they locked my paypal account and the customer service rep said that they can't do anything only collection nobody was able to solve they want me to pay something that I don't owe and it was " solved ''. I really think that PayPal needs to train their reps before that they even talk to people and the reps use same information and not each of them give wrong and different info. After wasted more time and talked to more people nothing was resolved
and the only thing the reps suggested was follow another dispute ( same thing I did before and provided them with proofs on time ) or pay the balance.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

Discover Bank Opened XX/XX/2017 Amounts XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (PA)

I sent the initial dispute requesting validation on XX/XX/2021 as well as a cease and desist asking Wells Fargo to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/2021 stating that Wells Fargo provided information validating the account but i did not receive the 5 things required pursuant to 15 USC 1692g shown in exhibit B. Since providing all 5 requirements are not optional, Well Fargo is in direct violation on federal law.

I did however receive billing statements from WELLS FARGO shown in exhibits D-G suggesting that an alleged debt was owed but all balances on the statements were positive. this is very false and misleading and in direct violation of 15 USC 1692e ( 2 ).

I also received from WELLS FARGO a copy of the credit application proving that this is a consumer credit transaction that i initiated and i am not liable to pay any alleged debt. I also received a copy of the contract I received from well Fargo shown in exhibit A,
however i noticed in this contract that there is not a right to rescind section ; and i never received any disclosure pertaining to my right to rescind including the proper forms to exercise my right to rescind. This is a violation under 15 USC 1611 ; WELLS FARGO is criminally liable for willful and knowingly not disclosing my right to rescind. As well as civilly liable for {$5000.00}.
Consumer complaint received 2021-07-30
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. (OH)

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

initial dispute XX/XX/2021 round one letter XXXX
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

I traded in the vehicle that I had financed with Bridgecrest at the XXXX dealership that I purchased my new car from on XX/XX/2021. XXXX sent the payoff check to Bridgecrest and they received it on XX/XX/2021. Due to Bridgecrest claiming theyre are behind in processing and applying payoff checks, they have yet to apply the payoff check, that they received on XX/XX/2021, to my account. Meanwhile, they are calling me daily from their collections department requesting that I pay the carnote on the car that has been traded in/the car that they have received payoff check for nearly a month ago. Please help me.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

I am not liable for this debt with XXXX JUST MOVE XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}
Consumer complaint received 2021-07-30
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. (GA)

TransUnion is reporting information on my report that I did not consent to or authorize, and that is in violation of my right to privacy. I did not provide my written consent for them to list the hard inquiry from XXXX, Employment Data listed as XXXX XXXX, and the telephone numbers listed as XXXX and XXXX XXXX XXXX. Therefore, them obtaining this information and putting it on my consumer report is unethical and against the law. 

I contacted them on XX/XX/21 via chat on their webpage as their website was down and I couldn't reach a representative when calling. The representative stated that I would have to provide in writing my request to remove the inquiries from my report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 h

as 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 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXDOB XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic.

I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX/XXXX  # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-07-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Student Loans is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-07-30
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 (FL)

My XXXX  credit report is getting flooded with soft inquiries from Capital One. I would like these inquiries to stop. Here are the inquiries they've made : XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Bank is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.
Consumer complaint received 2021-07-30
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. (WV)

Transunion and other CRA 's fail to provide clear, concise, accurate dispute results through obfuscation. If one has multiple disputes with a CRA, there is no way to tell which dispute they are responding to, or even what correspondence they are replying to ; I'm convinced this is intentional. 

These companies ( CRAs ) hold enormous amounts of power over consumers ; They can and do affect the livelihoods of consumers with the 'flip of a switch '. It's not unreasonable for consumers to expect communications from CRAs to be accurate, unambiguous and timely. In my humble opinion, the law demands it! 

Ambiguity is common practice with the CRA 's and needs to stop. They are, in my opinion, intentionally making it impossible to dispute inaccuracies in a timely, efficient manner.
Consumer complaint received 2021-07-30
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. (TX)

violation of my FCRA. I had submitted a dispute on two separate occasions by certified mail ( XX/XX/2021 and XX/XX/2021 ) to Transunion Credit Bureau. The credit bureau has not acted on my disputes so I am demanding the collection of ( XXXX XXXX XXXX XXXX XXXX XXXX ) be remove immediately as the bureau has more than enough time to conduct the investigation. Their failure to promptly act and investigate have caused me undue financial hardship. I am unable to obtain credit because of this fraudulent collection. Please compel the 3 bureaus to remove this collection immediately.
Consumer complaint received 2021-07-30
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. (SC)

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told XXXX, Experian and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Consumer complaint received 2021-07-30
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. (TX)

I have reached out via certified mail to the following companies and asked for proof that I gave permission to submit hard inquiries on my credit account and they have either not responded nor removed the inquiries as legally requested, since they were not able to show proof of my request. 

XXXX XXXX XXXX ( XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, GA XXXX ) XXXX and XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) XXXX XXXX  XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX XXXX ( XXXX Box XXXX, XXXX, TX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, FL XXXX XXXX XXXX Also, the following Bureau 's have been PAID off and the accounts are now closed ( proof of payments available ). I have reached out to the companies and requested that the accounts be removed from my credit reports. They have agreed to remove the negative remarks and accounts from my credit report however they are still showing. 

XXXX XXXX XXXX ( On behalf of XXXX XXXX ) XXXX  XXXX XXXX XXXX ( On behalf of XXXX XXXX ) I am kindly asking AGAIN that these items are removed from my credit report, as they are either unrecognized and not proven to be mine or have been paid and legally agreed to be removed and they are still showing on all 3 credit reporting platforms ( XXXX XXXX, and Transunion ). 

Please Please Please Remove. 

XXXX XXXX ( SS # XXXX ) XXXX XXXX XXXX  XXXX. 
XXXX XXXX, TX XXXX