davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I applied for a HELOC on XX/XX/2022 with Navy Federal Credit Union, and as soon as I was assigned a loan officer, I emailed to explain that I did not have income showing on my tax returns over the last two years due to Covid and family trauma ( I chose not to work because I was in the position to do that ), but my income ( direct deposits into my NFCU account ) from my company this year was over six figures because I went back to work. I was assured my year to date income would be considered, but after paying {$510.00} for an appraisal on XX/XX/XXXX, and after waiting 2 months since application, they sent me a denial today, XX/XX/XXXX, saying my income was insufficient because they based it solely on my last 2 years tax returns and did not even collect the information for my year to date income. I asked from the start if this would be an issue, and I have saved the emails I sent from early XXXX regarding this. I also had enough cash in my NFCU accounts to pay the full HELOC amount 3 times over, which I did not put to use on other opportunities because the advised me not to make any other investments with these funds during the HELOC processing ( steep opportunity cost here ). They did not even call or offer a lower HELOC amount, they just sent a denial letter on XXXX. After 25 years with NFCU, I'm taking my business elsewhere because I got such a run around with this, and now rates are higher so it's not worth it for me to apply somewhere else. In addition, my credit has dropped down from XXXX because of the hard credit pulls from NFCU. They are relying on technology to do the work that they need to have actual humans doing because if there were responses and real communication during this process, some kind of alternative could have likely been reached. NFCU is now unresponsive. The bottom line is that despite my full disclosure of my income situation, NFCU did not verify anything with my income before having me pay for an appraisal. I obviously would not have wasted my money if I had any idea that there was in fact an issue with everything I disclosed as soon as I was assigned a loan officer.
Consumer complaint received 2022-10-04
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: WELLS FARGO & COMPANY (TX)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MD)

I am filing a complaint against OneMain Financial regarding the handling of a cancelled debt. I received a XXXX form from OneMain Financial XXXX indicating that the debt has been cancelled and the amount is considered income for tax purposes. 

According to IRS rules, once a debt is reported as income via a XXXX form, it can not be reported simultaneously as an outstanding debt on a credit file. The IRS rules clearly state that a cancelled debt should not be listed as an active liability on credit reports. 

While the balance is reported as XXXX on my credit file, the account still appears, which is incorrect and misleading. Given that the debt has been cancelled and reported as income, it should be deleted from my credit report entirely. Reporting it as both income and as a zero-balance account on the credit report is improper.
Consumer complaint received 2022-10-04
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. (ME)

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. 

Account name : XXXX XXXX XXXX Account name : # XXXXXXXX XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX CONTACT NAME XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX has violated my rights. 
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 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I have a mortgage with PennyMAC ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). For 2 of the past 3 months PennyMac did not provide me with my monthly paper mortgage statement, forcing me to retrieve it from their website. 

Specifically, PennyMAC did not provide a mortgage statement for either XX/XX/2021 ( Due XXXX ) or XX/XX/2021 ( Due XXXX XXXX ). 

I called PennyMAC regarding the missing XXXX statement, they blamed the US Post Office for " late service, '' yet my statements weren't simply late- they never arrived. I attempted to call them regarding the missing XXXX statement but gave up after sitting on hold for 20 minutes. 

I'm receiving all my other mail ( including a mortgage statement from another servicer ) on time, including a heavy volume of mortgage-refinance advertising mailings from PennyMAC itself ( I received 2 ads from PennyMAC just this month, but no statement ).
Consumer complaint received 2019-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MO)

I have submitted a short sale offer to US Bank for review. Their appraisal value returned higher than the property can presently be sold for, due to the repairs required. We do not believe the as is value of the bpo and/or appraisal was calculated correctly. The value dispute documents, contractors bid for repairs and photos of damages, were emailed to the previously given address for our direct contact, XXXX XXXX at XXXX and the general US bank email address given for loss mitigation documents of XXXX both on XX/XX/2019. After no initial response, my agent also formally resubmitted our short sale request and uploaded the value dispute to XXXX on XX/XX/2019. We have received zero acknowledgement or response from US bank on our value dispute. My agent also reached out to the newly assigned negotiator, XXXX XXXX, via XXXX  on XX/XX/19 and XX/XX/19 with no acknowledgement or response to our value dispute. My real estate agent 's office made calls to US Bank directly on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19, at which times no representative of US Bank has ever been able to give us the status of the value dispute.
Consumer complaint received 2022-10-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXXXXXX XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (KS)

Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-04
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. (LA)

I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Experian continue to respond with such items being verified by the furnisher. I have requested several times that Experian provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that XXXX and Experian are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Experian has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX  Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy XXXX response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter XXXX Order of Dismissal ( XXXX )
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed various transactions with Capital One due to misleading cryptocurrency fraud. Capital One declined my claim stating they did not find any errors. I provided social media message exchanges as well as transaction receipts. The following dates and transactions are what I am disputing : XX/XX/22 {$150.00} XX/XX/22 {$100.00} XX/XX/22 {$52.00} XX/XX/22 {$73.00} XX/XX/22 {$62.00} XX/XX/22 {$110.00} XX/XX/22 {$360.00} XX/XX/22 {$340.00} XX/XX/22 {$150.00} XX/XX/22 {$310.00} XX/XX/22 {$180.00} XX/XX/22 {$100.00} XX/XX/22 {$190.00}
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NY)

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX CXXXX XXXX XXXX XXXX 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 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Im having problems paying my credit card with Comenity, now they are charging me late fees, even though they promised me I wont be having any. 
I have been calling them for weeks and no answers. 
My payment is {$100.00} dollars a month now is {$200.00}
Consumer complaint received 2022-10-04
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

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
Consumer complaint received 2015-09-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC. (AK)

I got a new cell phone XX/XX/XXXX, and contacted Cash America that weekend. Someone called me on my new number the following monday saying they were Cash America. They had all my info amd i was convinced it was legitimate. I paid over the phone to speed up the small claims case dismisal, and it was never dropped. I was later fined XXXX which came out of my XXXX check. No one had my cell but the court process server, and Cash America. No system was hacked or anything like people make excuses for them. Cash America is a scam company. 
i also recently received a threatening letter from a XXXX law firm demanding XXXX payment or the would try to sue me XXXX FOR THE SAME LOAN FROM CASH AMERICA XX/XX/XXXX. CASH AMERICA EXISTS TO RIP OFF PEOPLE AND THEY NEED TO BE STOPPED. 
ONCE THEY GET YOUR INFORMATION THEY WILL BLEED YOU DRY
Consumer complaint received 2023-01-20
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. (GA)

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (VA)

I have a XXXX card through Comenity and the sole reason for having the card is for rewards. They had issues 3 months ago with their website being down and cards not being able to be used. Now, I have not received any rewards for over 3 months ( last date was XX/XX/2022 ). The sole purpose of having this car dis for the rewards and they are not delivering for a ridiculous, extended amount of time. Many people are having the issue with their vast array of cards getting rewards, a simple XXXX  search shows this frustration.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$55.00}