davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Started the end of XXXX with Navy Federal to refinance and create a new VA mortgage. The loan officer was inexperienced and rarely returned my calls or emails as the process dragged on. The loan was supposed to close at the end of XXXX. I did finally close on Tuesday, XX/XX/XXXX. I had to pay the my XXXX mortgage and other XXXX bills as the days went by. 
The day before I was supposed to close, XX/XX/XXXX, I was told at XXXX XXXX  that the loan processor forgot to inform me that I needed a water well test required by the VA. I was leaving for a planned vacation the next day which delayed the process again. 
It was a requirement of the mortgage company to do this and an unacceptable oversight. 
I was forced to pay additional interest on the loans that were to be paid off as a result of the refinance not to mention the daily stress trying to get a resolution. I am a US Veteran and I can't be more disappointed with the treatment received from Navy Federal.

They are still asking for documents two days after closing.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

XX/XX/2019 I was alerted to attempted identity theft on XX/XX/2019. I have attempted to place a credit freeze on my account with all three credit reporting agencies. XXXX  and XXXX  make this process very simple and I was able to do it immediately over the phone. Experian send me through an automated phone tree and then gives me a long message telling me to to mail all my personal information to Texas. There is no option to speak with a live person at this agency through their customer service line and no option to speak with someone or to request a credit freeze or thaw by phone. I am not comfortable mailing all of my personal information plus if I can not get a freeze placed in a timely manner or lifted in a timely manner it becomes unnecessarily burdensome. 

It appears experian is making this free government mandated service difficult or impossible to use, forcing people into using their paid credit lock service. I am forced to work with experian to protect my identity and essentially being forced to pay them to do so. I do not feel they are meeting the fiduciary requirements of handling my personal information and should not be permitted to continue extorting the American public through their predatory practices.
Consumer complaint received 2017-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stephen L. Bruce, P.C. (OK)

Stephen Bruce and XXXX  XXXX, Ok. ( XXXX ) XXXX on behalf of XXXXXXXX XXXX illegally removed funds from XXXX protected under law Social Security XXXX and Veterans XXXX in the amount of {$1900.00}! I have statements from both accounts that prove that and the Judge refused to look at these statements! 
I have my XXXX  deposited into XXXX acct. and my VA money deposits into a XXXX account! The court for some reason didnt know about mypaypal account? So when I transfer funds from XXXX to XXXX it doesnt show as treasury money! It just shows up as a transfer! Therefore XXXX assumes the money elsewhere, I dont know what they assumed but they allowed the illegal garnishment!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

The Credit Reporting agencies claim they investigated the listed bankruptcy and verified it. I contacted the US XXXX DISTRICT OF GEORGIA BANKRUPTCY COURT about this issue as well. In which I received a letter stating that no such verification has been provided nor would they ever give out such information. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends, or associates, etc, and if they spoke with them the information Provided can not be factual. 

I DEMAND THE LISTED BANKRUPTCY BE REMOVED FROM ALL CREDIT REPORTING AGENCIES!!!!
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act,

15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

ONEMAIN XXXX Balance : {$5800.00}
Consumer complaint received 2024-04-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

To CFPB : Hello, I am writing to you in regards to my Penny Mac FHA Mortgage that is reporting late for multiple moths in 2023.

In 2023, my Property Tax increased over {$1000.00} raising my payment and with the electric increase, I was in a bad position to make ends meet. We knew it be a short term issue as we were going to re consolidate some things. 

In may, I entered a Loan Modification with Penny Mac. During this modification, I was educated that I would have a separate loan. I was also educated that no payment was due during this time. Penny Mac issued me a packet to sign, in which I did however once they received it I did not get one page notarized. By the time this was recognized, my loan officer called and was re issuing a new packet. Once the new packet made it to me ( weeks after we started ) I was under contract to sell the house. I called Penny Mac and they said as long as my closing doesnt get moved ( XX/XX/XXXX ) I wont need to go into modification.
Consumer complaint received 2024-03-11
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. (NY)

Transunion is in violation of FCRA 15 U.S.C. 1693a ( 2 ). transunion is reporting unauthorized inquires in on my credit report
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, Bank of America processed a charge of {$1900.00} from my checking account. I was unaware of the situation and when I called Bank of America, they told me it was a court order and that the court ordered that my money was to be garnished. They gave me a new phone number to call to follow up about this issue, but was very unclear of the next steps of how to resolve my problem. When I called the number, who I believed to be a worker of the lawyer who submitted this garnishment request, I gave her my social security number, explained my situation, and she looked into my record and said she saw no request for my wages to be garnished. She told me she would follow-up the next day, but she never called back. 

On XX/XX/2021, I followed up with Bank of America in person. I was offered no help, but to change my middle name to help separate me from an issue like this again. I did not receive any additional aid or help to get my money back. 

However, a legal document of the original court order of this garnishment appeared on my porch as mail on XX/XX/2021. In the document, it is clearly stated that somebody with the same exact name as me in another state I do not live in with a completely different gender was being sued of {$9000.00}. It was clear to me that Bank of America processed this garnishment without double checking my identity they got the wrong person with the same name. 

I followed up with Bank of America in person on XX/XX/2021 with their mistake and showed them the documents proving that they wrongly garnished my money, only for them to tell me they could do nothing about it. They told me they could not help me and this is now the state 's issue. They wrongly garnished my money, offered me no warning, and now offer me no aid. I am now stuck not knowing what to do next with no support from Bank of America who caused this issue to begin with.
Consumer complaint received 2021-10-01
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. (GA)

I was looking to purchase a vehicle. I followed up on the preapproval letter that I have received stating that I would be eligible to get a vehicle. I then filled out the credit application. A day or two went past then I was told I denied and they would mail me a letter stating why. Shortly after I kept getting alerts that my credit was being checked by several Banks. I called Trans Union customer service to tell them these inquiries were not performed at my discretion I spoke to the representative he told me that he would remove them. But they remained yet again so customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-01
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (CA)

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Consumer complaint received 2021-10-01
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the companies efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The companies are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The debt collector has not provided me with the proper debt validation for these allegd debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had XXXX personal credit card accounts along with a business credit card from Chase Bank that were abruptly closed. It was explained this was due to me requesting too many accounts with other financial institutions and having too many authorized users on an account it was triggering that the account was possibly inflating the credit of the other users. 
The personnel I spoke with explained the triggers and noted regardless of how long I have held accounts with Chase, no mater how in good standing I was in regarding payments or even my credit score, I was still a risk factor. I asked why it was an issue if chase does not put a limit on the amount users if they allow account holders to put as may as we desire. They admitted I was in my right to do so, but its still a flag regardless if I did what I was allowed to do with my account. 
I have many accounts outside of chase. I have family and friends on my accounts for many reasons. I do not have a choice on how the credit bureau reports for credit cards. All of my credit history was with chase, I didn't even have the option of them closing one account and petition to reopen it. All accounts were canceled. So all my work to obtain excellent credit by holding multiple accounts, letting balances reflect and paying them onetime go punished and now get washed because I used my account within the guidelines that chase gave me. 

I have XXXX years with chase and over XXXX credit score. I have never abused my accounts in any way. You don't get over XXXX credit score with one or two account and low limits. High credit limits, history and multiple accounts are what one has to do I order to obtain great credit. I explained I have excellent credit for his very reason. My authorized users have nothing to do with it, and if this was a concern to chase it should have been discussed and instead of closed all of my accounts, close the one in question and allow for extra review. 

So chase is allowed to ruin ones credit on the assumption that they are possibly aiding another credit. Which is far from what the situation at hand is. It extremely disappointing after all these years this is the course of action. Because an assumption.
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

On XX/XX/2021, I received XXXX for a XXXX XXXX and a XXXX  by my doctor, XXXX XXXX XXXX, at the XXXX XXXX XXXX. That day i sign the quote that i was given 1 month prior and the agreed upon price, of {$4500.00}, was paid that day as well. The price was split into two XXXX, one was my XXXX, medical cpt code # XXXX. And the second was my XXXX  XXXX  cpt code # XXXX. 

The paperwork i signed and agreed to says An additional charge will be applicable if the XXXX  requires special supplies and or patient may receive a bill from XXXX for XXXX, XXXX or any other supply used by your surgeon. If that were the case then the price of {$4500.00} is what i should only pay unless extra supplies were used. Which they were not. 

Two months after my procedure, XXXX XXXX XXXX reached out to me stating that they never charged me for a third code for {$2300.00}. That code being XXXX again. My doctor, the one who performed the XXXX, spoke to XXXX XXXX XXXX saying he only charges once for that code and that is what he quoted me. XXXX XXXX  on XX/XX/XXXX handed me that quote which they agreed to charge me, i signed, paid for it, then received my XXXX. 

I spoke with XXXX, XXXX XXXX collection company, over the phone and theyre saying its now {$3400.00} and the charge is for XXXX. I already paid for the XXXX, {$800.00} on the quote. 

Im very confused with why they keep trying to charge me for a XXXX that I paid in full and XXXX  i paid in full as well. Im in no right liable to pay this collections. 

Attached is the statement they sent me for {$2300.00} The quote, of {$4500.00} and {$800.00}, I signed and paid the day of the XXXX. 
And the new Statement XXXX is charging me {$3400.00} for anesthesia The doctor that performed the XXXX is XXXX XXXX XXXX from XXXX Florida XXXX XXXX XXXX XXXX ) XXXX For any additional questions you can contact theyre office and speak with XXXX XXXX.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Procollect address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX debt owed : {$9400.00} + XXXX Procollect has been trying to collect a debt, that's not in my name and its keeping me from trying to get a new apartment, this incident happened back in 2021, during covid-19, they stated I had to pay this fine i owed. please help with this they keep selling my debt to different collectors, that i did NOT AUTHORIZE, I DONT KNOW THIS COMPANY, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY, THIS COMPANY DOESN'T HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" XXXX XXXX XXXX '' amount- '' {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Debt was paid already. Also, According to 15 USC 1692b ( 2 ), a debt collector should not state whether or not consumer owes debt. Not only did you state that, you also put the information on my credit report which is another violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report.
Consumer complaint received 2021-10-01
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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that the companies efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The companies are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: SYNCHRONY FINANCIAL (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LD Holdings Group, LLC (LA)

Im a HUD homeowner located in XXXX, LA. I took a forbearance based on the " CARES act '' passed by Congress last year in XXXX. However, my mortgage company, Loan Depot, has put negative items on my credit report, which have caused my credit score to drop over 100 pts. I asked for my payments to be put at the end of my loan, and resume my payments on a regular schedule, but my mortgager refused, and gave me a loan modification instead. Loan Depot wanted me to sign documents, which sells my loan to another financial institution and my first payment with the new mortgage company is not due till XX/XX/XXXX. However, Loan Depot reported me as having a late payment in XX/XX/XXXX, even though I was still under forbearance. I am being treated unfairly and need help.
Consumer complaint received 2021-10-01
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 — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.