davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union continues to block my capability to make an electronic mortgage payment online since XX/XX/2021. 

Meanwhile, Navy Federal Credit Union continues to assess Mortgage Payment Late Fees against me. 

NFCU was previously the subject of a class-action lawsuit for denying access to members ' accounts when mortgage payments were past-due. In NFCUs previous practice, they blocked all transaction except payment TO a mortgage account. NFCU 's present practice is worse : NFCU is ONLY preventing transaction to a mortgage account. 

This is an unfair practice : Preventing members from making payments while NFCU continues to assess late fees. Eventually... Foreclosure?! 

LET ME MAKE ELECTRONIC PAYMENT TO MY MORTGAGE ONLINE. 

Additionally, Navy Federal 's " secure '' messaging application only works one way : from NFCU to members. This functionality has been broken for more than a year.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is not following consumer law. below is the definition of Rescission as well as They have no legal right under consumer law considering they don't have first hand knowledge of any contracts. 

rescission of contract To abrogate, annul, avoid, or cancel a contract ; particularly, nullifying a contract by the act of either party. The right of rescission is the right to cancel ( rescind ) a contract upon the occurrence of certain kinds of default by the other contracting party. To declare a contract void in its inception and to put an end to it as though it never were. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

A " rescission '' amounts to the unmaking of a contract, or an undoing of it from the beginning, and not merely a termination, and it XXXX be effected by mutual agreement of parties, or by XXXX of the parties declaring rescission of contract without consent of other if a legally sufficient ground therefor exists, or by applying to courts for a decree of rescission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
It necessarily involves a repudiation of the contract and a refusal of the moving party to be further bound by it. 

An action of an equitable nature in which a party seeks to be relieved of his obligations under a contract on the grounds of mutual mistake, fraud, impossibility, etc. It does not require permission from either party. 

XXXX XXXX was not present for any contract signing and thus do not have first hand knowledge of this contract, making them unable to validate the authenticity of any signatures
Consumer complaint received 2024-01-31
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OH)

I sent my billing error notice months ago in XXXX via certified mail. I have not received any notification regarding investigation into this matter. There was no notice to any of the credit bureaus regarding this matter. The company never contacted me via mail regarding this matter and today XX/XX/23 no updates. 

Certified mail # XXXX XXXX XXXX XXXX XXXX or Certified mail XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

I was injured at work, onXX/XX/2018, I went to the walk in clinic, and a XXXX XXXX XXXX  claim was filed.In XX/XX/2018 I received a letter from a collection agency, saying that I owed XXXX XXXX   XXXX , I never received a bill, This is a XXXX XXXX XXXX issue, I called Americollect, and told them about it, I called the third party billing service for XXXX XXXX , to get this straitened out, to no avail, this bill should have been sent to XXXX, the company handling my XXXX claim.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am submitting to follow up on my previous communication with the Consumer Financial Protection Bureau, dated XX/XX/XXXX, concerning the presence of fraudulent entries inaccurately reflected on my credit reports. Despite initiating dispute proceedings with the credit bureaus, the problem persists, and I continue to identify the following fraudulent items : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$5700.00} -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00}. Despite having submitted disputes and supporting documentation to the credit bureaus, the inaccuracies persist on my credit reports. Enclosed are the documents serving as evidence of the fraudulent nature of these items.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (VA)

On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.

Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i have disputed with TransUnion several times by mail and online i have even called TransUnion .They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX XXXX report and its not on there at all so that means TransUnion is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MA)

I applied for a refinance of my mortgage in XX/XX/XXXX and the closing was not finalized until the end of XX/XX/XXXX. I had to make consistent follow up with Loan Depot and submit my financial records twice. It finalized closed the end of XXXX. I advised I was seeking a 30-year fix mortgage and I wanted my homeowners insurance and my taxes on the property paid with my mortgage. Loan Depot agreed. 

Prior to refinancing with Loan Depot my outstanding Mortgage was {$340000.00} with XXXX. To refinance with Loan Depot at a lower rate my mortgage increased to {$340000.00}. That was a surprise. I asked why waws there such an increase. I was advised it was the funding of the mortgage, taxes, and homeowner insurance through escrow - and my monthly payment would be {$1700.00}. 

I made my payments for XXXX, XXXX XXXX, in the amount of {$1700.00} with additional money on the total owned. in XXXX I advised there was a shortage in my escrow and my new loan payment would increase to {$2200.00}. 

I've asked Loan depot to transfer the additional money paid on the loan to my escrow. I finally realized that loan depot had not been trueful with me when they set up my loan. I was told my XXXX XXXX at Loan depot that I could pay my own taxes and insurance, but the loan was written to pay my taxes twice a year, not four times a year. It took several phone calls and email to the XXXX MA XXXX XXXX and Loan Depot to determine they were not being trueful about my taxes. Several times I was informed that the taxes had been paid but this was not the truth.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On or about XX/XX/2021, I deposited $ XXXX in a checking account and $ XXXX in a savings account in Chase Bank. On XX/XX/XXXX, I went into the bank to withdraw some of the money and I was told that the account was restricted. I could not withdraw any funds. When I asked why, they said they " couldn't get to the bank office '' to see what the status was. I spoke with the bank manager and she was unable to resolve the issue. No one she contacted knew why it was was restricted. 

I returned the next day and still was unable to get the issue resolve, even though I was there for 4 hours. The next day, after 2 1/2 hours, I was told that the restriction was because I did not have a physical address. They asked for proof of address from another bank. I provided proof of address. 

I returned the following Tuesday, and it was still on restriction. The manager called someone who did not answer the phone. I was in the bank from XXXX to XXXX. The manager was on hold the entire time. 

I returned the next day. The manager finally got through to someone, who told her that they had not received my proof of address. I was advised to give them additional time and return the following week. I returned the following week and was told they still did not know what was happening. 

At this point, I had been without access to my funds for 3 weeks. The following week, the 4th week, I was finally able to withdraw the funds. I was never given a reason for the restriction. There was no indication of fraud, I always had a physical address and I had previously provided the bank with it.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : WELLS FARGO CARD SERVICE*****Date Opened XX/XX/XXXX Balance {$0.00} Charge Off WELLS FARGO BANK XXXXDate Opened XXXX. XXXX, XXXX Balance {$0.00} Charge Off
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

I am filing this complaint because both mine, and my husbands accounts, have been defrauded by US Bank. 

We both signed up for the US Bank Savings Accounts under the offer that if we maintained a balance of {$3000.00} for 90 days, we would get {$600.00}.

We met all the requirements, except for how we funded our account. We were unable to fund the account due to titling on our accounts, and were instructed by a US Bank Employee to fund our accounts in an alternative method. 

Therefore, US Bank deliberately defrauded us out of the Savings Bonus totaling {$1200.00}. 

We have already submitted a CFPB complaint on this, but US Bank responded incorrectly in reference to an entirely different account. These are the business SAVINGS accounts.

We have met all the requirements and done everything asked of us, we just want US Bank to uphold their end of the agreement.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX a report of a collection debt ( XXXX XXXX XXXX XXXX XXXX ) was placed on the Experian credit bureau file under my name. Upon discovery, the credit bureau provided inaccurate or misleading information that the consumer isn't sure where to send. The website and app show two different address and at one point no contact number. As a company that sells people 's information for profit to support their business, the consumer ( with the credit file ) is supposed to be allowed to contest every debt and all debts ( by the original creditor ) and under Fair Debt Collection Practices Act. 

Experian has already had a class action lawsuit against for providing wrong information and paid a {$22.00} XXXX dollar fine without admitting fault ; lack of accountability. In addition, XX/XX/XXXX article shows " Experian had identity thieves had worked out how to bypass its security and access any consumer 's full credit report armed with nothing more than a person 's name, address, date of birth, and Social Security number ''. This is not only concerning, the trust of the public are in the hands of a company that can not even do anything accurate to assuage Experian Credit Bureau is trustworthy, accountable as the company severely lacks, have distasteful policies and practices, and provides misleading information whether on the website or app. 

Every consumer has the right to dispute and needs the correct information vs misleading information that can be interpreted as " bad faith business practices '' or tactics used to delay/aid another company in collecting debts ; that violates due process. XXXX XXXX bought a debt after the original company ( XXXX  ) has already written it off the debt, and a third party company ( whom bought for less ) is wanting to make a profit, slander/libel your name publicly, and use all kinds of ridiculous methods to talk and use sneaky tactics against every day people. 

Experian must provide " accurate and current updated information about creditors/debit creditors '' as this provides/allows consumers to address alleged debts in good faith business practices unless they are supporting this unethical behavior which needs to be public awareness. By providing wrong, misleading, inaccurate information comes as Experian is in cahoots with XXXX XXXX which is not only unethical, it's dishonest and uncivilized.
Consumer complaint received 2024-01-31
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)

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

I have received multiple calls, which when I do a reverse number lookup are for debt collection services. They ask for a person with a similar name, but not me. I've told them at least XXXX times already it isn't me, but the calls keep coming. I've asked why is my number associated with this person, and they don't answer, but my own research seems to indicate they purchase information from some company which must have my number associated with XXXX ( I've had the same number since XXXX  ). 

The call today the person said their name, asking again for the similar name as me ( XXXX XXXX vs XXXX XXXX, I do not know nor am related to anyone named XXXX ). When I asked what company they were with, they refused to tell me, and just repeated his name. I again asked what company, he asked if I was XXXX not tell me, and I said " You called me, I'm not saying anything else until you identify yourself '' and they hung up on me. I've tried doing the right thing by saying I am not who they are calling for, yet it keeps happening. For reference, the calling number is XXXX, which reverse lookup seems to say is something called The XXXX XXXX
Consumer complaint received 2021-10-20
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. (TN)

I have contacted the each credit bureau XXXX, TransUnion, and XXXX to resolve identity theft dispute but TransUnion sent letter stating they would not process my dispute after I sent identity theft report and police report and dispute letter. XXXX stated they could not find a credit report under my ssn XXXX and has two or third fraudulent credit profiles under my name. XXXX received and accepted but did not remove fraudulent accounts. 

Here are the accounts below that were opened fraudulent. 

Bankruptcy Chapter XXXX discharge Reference XXXX Amount {$0.00} XXXX / XXXX- Balance {$2700.00} XXXX / XXXX- Balance {$0.00} Dept of Education/ XXXX XXXX Balance {$6800.00} XXXX - Balance {$1200.00}
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX XXXX this account must be removed from my credit report immediately.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I tried using my card at XXXX it kept declining. My friend paid with his debit card from chase and it worked. They sent a letter the very next day XXXX XXXX stating that I cant use my accounts and that they would be closing soon. They also stated in the letter if I wanted to keep my accounts open I should call a XXXX number and every time I called the number I got misinformed. They restricted my accounts because of 2 forms that I submitted twice when opening the account and again on XXXX XXXX. They didnt look over what I submitted before freezing my account. I was out of town and had a funeral & didnt have access to my funds for a week. When I called the 1-800 number XXXX XXXX I was informed that my account would be back open in 48 hours and that wasnt the case. I was misinformed the whole way and had to suffer financially and emotionally for something that was their fault.
Consumer complaint received 2024-08-06
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/13 contacted Bank of America at XXXX about identity theft. Someone opened an account in my name. Ive never been a Bank of America customer. Called and provided ssn and dob to verify that it was me. Talked to fraud department at XXXX told to hit option XXXX received a confirmation # that it was a claim being investigated into and account closed. 

Unsure if its normal practice to provide ssn and ssn to close account. This seems unusual to me.