davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2019 I opened a account with Navy Federal Credit Union ( NFCU ) I qualified for the membership through a roommate who was a government contracter. NFCU after requesting numerous pieces of documents my drivers license as well as proof of residency opened my account for a checking and savings account and I made a {$50.00} initial deposit using my credit card.After about 10 days I encountered a representative on the phone who stated they could not understand my XXXX and immediately after that I noticed while trying to log into my account that my account was blocked. I met all qualifying criteria for membership however I felt because my XXXX was not as fluent as the representative wanted she had my account blocked for additional documents.This I believe is a unfair practice and should definitely stop.
Consumer complaint received 2020-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

There is a collection on my credit report by a company named XXXX   XXXX. This company has been notified of identity theft issue fraudulent charges and has been disputed and ruled in my favor that debt is not mine and should be removed completely from my credit report by both XXXX  and XXXX. This company has now placed derogatory XXXX 's on my account 3 different times for 3 different amounts and continues to add bad remarks everytime they are disputed and found to be fraudulent. This action to my credit has caused immense issues in my finances and has barred me from any use of my credit. This practice is criminal and needs to be dealt with swiftly.
Consumer complaint received 2020-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

While checking my credit report I noticed Amsher Collections has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was for XXXX and from my understanding that facility is in XXXX. I have never used that facility for service. This unverified information has caused a tremendous amout of stress and I plan to hire a credit protection lawyer to look into the matter.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system. 

After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit. 

Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled. 

I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located.

The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX  as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX. 

By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

Im having an issue of getting my Chex Systems Consumer Report. I need a copy of my Chex Systems Consumer Report. Full Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX  has removed the account from my credit report based on the facts of my dispute but XXXX  and XXXX  has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt they provided a letter stating the debt is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone the rep could not give me an explanation of what the extra {$50.00} was for. Then he stated well there was an extra charge after we received the collection. I asked what was it for. & he still could not give me an explanation. I said can i have proof of that. HE said sure, I still have not received it as of today. I once again called the company asking to speak w/ the supervisor which is XXXX, I asked to for all documentation on file to be sent to my address. Which i only received a letter saying they are attempting collection on the debt, with no explanation of the charges. This account is ruining my credit. In a previous complaint filed w/ cfpb the collector stated that the collection was for breach of contract of a lease agreement and would settle for {$600.00} but still did not explain the amount in detail of why there was a difference in the amounts that were listed in the requested validation of debt documents. As of today the statues of limitations is 5 years and 10mos. I do not intend to settle this debt until I receive explanation of all charges.
Consumer complaint received 2020-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

I was fooled by a student loan debt relief scheme. 

I was falsely promised that they would lower or even eliminate my loans. I signed a contract and they started to charge me {$39.00} a month and about {$20.00} a month of interest. This was back in XXXX of 2017. I recently revisited my student loans, as it was time to re-evaluate my standing, and found out that none of these payments were towards my student loans and I was just paying a company called Equitable Acceptance this money. 

I researched and found out FTC has taken action against this company for these super misleading practices.
Consumer complaint received 2021-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (VA)

Initiated new mortgage application for $ XXXX in XX/XX/2017 ( as a prior mortgage customer and had existing equity line ) with Nationwide Advantage. We had $ XXXX to rollover from the sale of our previous home. Our credit score is XXXX. Initial application process went well. Then the process fell apart. Our loan ap was assigned to a rep that then left for a one week vacation and was not available to assist us. The online DocuSign process required submitting large financial documents, which we completed. The file was large and was submitted as a XXXX doc. They were unable to process. Then the DocuSign deadline expired and our on-line application was cancelled. Repeated calls requesting a callback from a loan officer or supervisor went either unanswered or required a second call and were very delayed. Requested the application docs be fed exp to us so we could send back via fed exp. The docs were never received. After several frustrating weeks, we requested our application be cancelled. Had to request multiple times to get our application fee reimbursed. 

Then we paid off our equity line and ceased any business with Nationwide Adv. Come tax time, our XXXX was supposedly mailed to our old address and returned. I called and gave new address and was told 7-10 days to mail. After two weeks, still no XXXX. Called again and requested it be emailed. Told 3-4 days. After XXXX week, still no XXXX. Finally received in the mail after 3 weeks and it had again been mailed to our old address. Amazing they stay in business. Our experience very disappointing and frustrating.
Consumer complaint received 2023-05-24
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Regarding Capital One Card ending in XXXX : Since XX/XX/2023, I have been trying to make arrangements to pay my credit card with Capital One. However, this company has not attempted to assist me with a fair resolution. They continue to charge me extremely high interest rates and fees. I have been charged more interest and fees than principle. Their solution is unrealistic and impossible. They send numerous emails to threaten a charge off. 

I have spoke with many of their representatives and they continue to encourage me to call ; however, they read from scripts and do not offer any type of realistic plan to resolve this issue. 

They continue to threaten me with charge off and not provide resolutions our current problem.
Consumer complaint received 2023-05-24
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-24
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. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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
Consumer complaint received 2020-01-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TD BANK US HOLDING COMPANY (NV)

Hello, My name is XXXX XXXX I opened and credit card at Nordstorm XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX Nevada XXXX XXXX XXXX Nordstoms on the following date of XXXX XXXX I then recievied at state form stating that the Nordtroms credit card had and addtional duplication of the credit card out I was asked to bring my credit card so the credit card can be closed due to there mistake the credit card was closed on the following date of XXXX XXXX the recovery unit for Nordstroms is XXXX after the credit card was close my personal information was sold to and debt collection agency the name of XXXX XXXX   debt collection the address is XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX
Consumer complaint received 2020-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
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. (OH)

I filed a complaint with CFPB against TransUnion on XX/XX/XXXX regarding 3 unauthorized inquiries. In my complaint submitted to TransUnion all necessary documentation as advised to me by the FTC. On XX/XX/XXXX I received mail from TransUnion stating they did not have my current address and wanted me to send them proof of address. TransUnion was sent my proof of address in my original complaint with CFPB which did include my drivers license with my current mailing address including my social security card. I have resided at my current address since XX/XX/XXXX and TransUnion knows this because I sent them a dispute last year with all required documents. TransUnion is violating my rights under the FCRA, they have failed to remove inquiries and have failed to accept my Identity Theft Report despite submitting all required documentation. Once again I am submitting this complaint, and including : Identity Theft Report, Letter to Equifax, Drivers License, Social Security Card, Proof of Residence, TransUnion Credit Report, and FCRA 605b. If TransUnion fails to investigate my complaint this time I will have no choice but to file a complaint with my Attorney Generals Office.
Consumer complaint received 2020-01-11
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: Westlake Services, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 a withdrawal of {$2400.00} was made. I did not make it later that night another amount of {$3800.00} was withdraw. I did not make it either. 
I feel Iam a victim of idenity theft. and elder abuse.I reported the first withdrawal as soon as I noticed it and was told by BOfA Fraud department they saw the first one happening and would stop it. And they would block my account. Neither was done. Instead another withdrawal of {$3800.00} was done during the night. 
A debit slip was made out in my name for {$2400.00} The signature is in my handwriting but the handwriting on the slip is not. 
I immediately told Bank of America i needed help and asked what to do. 

I have copies of both withdrawals. 
I went to my Bank the next morning. They closed my account then and told me what to do and reassured me all would be returned. 
My account number with them was XXXX My fraud # is XXXX. 
My husband and I had been BofA clients for at least 40 years. 
I Then called the police, my lawyer, computer consultant, XXXX and I researched California Fraud detection and prevention poloicies including Reg E. 
I did everthing I was told and and still they denied my claim saying all was my fault. 
They said my cell phone and computer had been hacked. And I needed to provide " Proof of Porting ''. I  spoke to XXXX and they told me I would have to see a lawyer. 
Losing {$6000.00} plus hiring a lawyer is very difficult for me. 
I am a XXXX year old widow. My husband died 4 years ago with XXXX. I am a XXXX XXXX and cared for him for the 8 years he was sick. I am not proficient in money matters. 
I feel this is wrong and I desperately need help.
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

When I first called Bayview Loan Servicing, they asked me if they could send me text messages. I said " no '' on the phone.

They start sending me text messages anyway. They lie in the text message saying that I signed up for text alerts -- I did not.

When Bayview asks you to " re-confirm '' opting-in, they ask you to say yes. The word " no '' is not even an option! See the attachment as proof.
Consumer complaint received 2023-05-15
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. (GA)

Please check the status of this account. I was never late on this account and never missed a payment. Please update it immediately on my file. 
XXXX XXXXXXXX Balance Owed : {$940.00}