davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (GA)

There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In XXXX days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX calls and a dedicated XXXX group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. 
After XXXX days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. 
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

In XXXX of this year I made a purchase on my Pay Pal credit account from the XXXX for {$180.00}. The Post Office said that the package was " delivered to an individual '' at my address on XXXX XXXX, XXXX. Anyway that was what the tracking stated online. The problem was that no one was home that day, both my husband and I were in XXXX, Florida on business and since we are the only ones that reside in our home we knew something was wrong. I first contacted the merchant on XXXX XXXX, XXXX, they said that they would put in a package search request. In the meantime I called the Post Office and notified Pay Pal that I never got the item. They did not seem to care ... Later in a  letter/email dated XXXX/XXXX/XXXX the Post Office admits that they could not locate the package. I advised Pay Pal by giving them the letter and repeatedly informed them that I never got the package. THEY REFUSED to refund my money and I need your help.
This package was never delivered to our home and to date there has been no replacement provided by the merchant.
Additionally Pay Pal had an issue with their on line bill pay and had assessed me interest charges ... I pay enough each month to avoid interest and participate in their 6 months interest free program and have complied with all the requirements of that participation.
I want all interest charges and late fees reversed and a refund of the item that I never received in the amount of {$180.00}. I will fax the letter to you from the Post Office stating that in fact they could not locate the package in question.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I made my XX/XX/XXXX mortgage payment for {$6400.00} on XX/XX/XXXX which was a XXXX  and the payment posted on XX/XX/XXXX and TD has reported me 30 days late to all credit bureaus. I was in the middle of applying for a loan for some education expenses for my son and now I am unable to do so. I did make the cash payment on XX/XX/XXXX at the branch where the phone representative indicated that I would have been 29 days past due and would like to see if TD can correct this in my reports. I have included a copy of the branch payment receipt for my mortgage. It states my payment was made at XXXX XXXX  on XX/XX/XXXX however I assure you that I physically made that payment on XXXX XXXX  on XX/XX/XXXX. The person at TD that took my payment said there would be a record in the system that I did physically pay it on XX/XX/XXXX. I will make sure going forward that I make my payment earlier in the month to not cut is so close with the 30 days payment.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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: Experian Information Solutions Inc. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

This debt is not mine and this company continues to call me and harass me. The following calls from XXXX have come in at the following dates and times : XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  The call is for XXXX XXXX and they are from Commenity Bank. They have left several voicemails. I have also answered and told them that they have a wrong number. Please advise.
Consumer complaint received 2023-01-16
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. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

I opened up checking and saving accounts with Citi bank a year ago with a {$400.00} USD account opening sign-up bonus. But I have never received such bonus in my account. I have submitted my XXXX and W-9 forms more than 4 times in the past year according to their instructions including where it should be sent to, what fields should be filled out, what supporting documents should be included etc. The last W-9 form I submitted was mailed out on XX/XX/2019 with USPS tracking, and it was received on XX/XX/2019. As I called the customer service on XX/XX/2019, they claimed that my tax status is still not certified and asked me to send a W-9 form once again. Now I am doubting that the Citi bank just mainly does not want to redeem the account opening bonuses as promised, and all the back and forth of the form submission and review are not transparent and are very suspicious.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

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 15 U.S.C 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

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Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-12-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Hello on XX/XX/XXXX I went to pay my loan # XXXX which stated it had a total due of XXXX $ by XX/XX/XXXX. The website stated that it was past due but had no past due balance and just said total due was XXXX $ by XX/XX/XXXX. So I made the payment for XXXX $ on XX/XX/XXXX and it said it would post to my account on XX/XX/XXXX the due date. However they reported my account as 30 days late on XX/XX/XXXX even though there was no past due balance and I paid the XXXX $ by XX/XX/XXXX. So now when I go on to my account it says the XXXX $ has posted but its still late and another XXXX $ is due which was not on there when I paid the XXXX .
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX Citibank Advantage Mastercard canceled my card and issued a new one with out my knowledge. I had to call after my card was declined several times to find out what was going on. Customer service told me that I requested for 1 of my 2 authorized users to be removed and to receive a new card number. I told them that this was incorrect and that neither I nor my authorized users made that request. Because they had already canceled my card and issued a new one, I was unable to use my card until the new one arrived on XX/XX/XXXX along with a letter again saying that it was canceled at my request. I have called to try find out what happened and no information is being provided. I filed a complaint and requested an investigation, but haven't received any updates. Now the new card is being declined. I called today on XX/XX/XXXX and was told that my entire account was closed on XX/XX/XXXX. Again I was not notified and they will not give an explanation for closing an account that I have has for at least 10 years with no issues.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

fay Servicing Applied for loan modification in XX/XX/XXXX was approved.in XX/XX/XXXX. The problem is the interest went from 4.5 % to 6.00 % the payment went up from {$580.00} per month to {$950.00} per month. There was a provision from the last modification for XXXX which {$34000.00} that was put into a non-interest bearing account to be paid at the end of the XXXX. This was court order from XXXX when XXXX was doing illegal mortgage practices. 
XXXX added the {$34000.00} to the the current mod with 6.0 % interest. This looks like the investor and them are taking a sub prime loan and making it dome to fail again like in XXXX when housing bubble started just make more money off the loan to send it to foreclosure again for quick turnover. The going rate for a mortgage is 3.95 % for an average credit score between 650-680. We have debit to income ratio and credit score that makes well qualified for a XXXX interest rate. This loan sharking activity is mostly likely happening to others that are coming out of the covid-19 forbearance protection asking for repayment option such as Modifications or Deferment payments which are the main options. Surprised by the new amount due for XXXX goes up from {$700.00} to {$1400.00} for the past 18 months forbearance. I don't know many people that can absorbed that increase at once. Please refer the previous complaints filed by me about the life of this mortgage Loan for the past XXXX. 
Case # XXXX Case # XXXX Thank You XXXX XXXX
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AZ)

I have been trying to get this account updated for almost a yeaer now and it is very stressfull and unfortunate that these companies can report false information and hurt peopples credit with out any compassion or anything. The credit bureas XXXX and XXXX are supposed to do their job and they have failed horrible at that. They " verfied '' false information, how? They either lied about it or they are just ok with breaking the fair credit reporting act laws. Or maybe they actually did investigate it and LVNV is the debt collection company that's lying on my crdit? I wouldn't know because they also haven't sent me any debt validation paperwork for almost a year. They make it so difficult to function. Like i know the information is not accurate yet they still report it and tell me yes it is accurate. They have proof that it isn't right and they don't care. I even told the bureaus that they are reporting a dupication account and they don't care at all. My next steps has to be a FTC complaint and then consumer finace litigation i don't know what else to do.
Consumer complaint received 2023-06-28
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (CO)

I AM DISPUTING INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-12-26
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: EQUIFAX, INC. (OH)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR XXXX, ALTHOUGH EQUIFAX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.