davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (FL)

Hi my name is XXXX XXXX and im submitting this complaint myself. There is no third party involved. I entered a consumer credit transaction with this Navy Federal and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale.

Navy Federal have been calling multiple times at various hours and even on the weekends as well as texting and emails when im at work and inappropriate times, I have proof of the calls logs from the number XXXX. This is harassment. 

Ive sent a debt validation and affidavit to the CFO and it would also be uploaded here. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

Navy Federal have been violating my rights per the FDCPA and their policies state that they put the consumer 1st. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. 

They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt.

This dispute is specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA
), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

ACCOUNT # : XXXX, XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX account appearing again on my experian credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted XXXX  XXXX XXXX numerous times and they removed it from my other reports but experian keeps putting it bak on negative
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a claim in XXXX with Bank of America due to fraud on my account. I have received half info from both the Claims department as well as the Risk department on the time frame of the claim. I was told 30 days, then 90 days, then 60 days. I reached out to the claims department on XX/XX/XXXX to get the claim expedited so that I can close the account. I was told on that day day that they will have it done within 72 hours. On XX/XX/2021 I contacted Bank of America 's claim department to check on the status of the expedited claim and was told at that time that there was no hold on my account and that I could go into the bank to withdraw the funds. Once I got to the branch, the bank manager could not complete the transaction and was giving a direct contact number to call. Mind you I was transferred four times between the Claims department and the Risk department prior to me going into the branch. The bank manager was on hold for almost 45 min. and then the call dropped as soon as someone picked up. I then contacted the Risk department again and was told that once the money posted to the account they would be able to assist me with going into the branch to receive the funds. I called the risk department on the morning of XX/XX/2021, this is when I learned that a request had to be submitted and it would take 3-5 business day before they get a respond to the request to get my funds released and that all request are not granted. 
The lack of communication between the departments, the half given information to the consumer and the fact that they will not close my account is unacceptable. I am over this bank, I'm over the repeated fraud attempts that someone is making on my account and they fact that they will allow money to be deposited, but not withdrawn is hard for me to understand.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain 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. 

XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I had a LoanDepot loan for my mortgage previously and then decided to refinance with LoanDepot and withdraw approximately {$10000.00} in equity from my home. 

On XX/XX/2021 I signed closing documents on a refinance of my home, in the presence of a notary provided by an agent of LoanDepot through a local closing attorney. Despite many requests, no one will provide me a copy of the documents I have executed. 

On XX/XX/2021, the loan processor, XXXX XXXX ( XXXX ) XXXX called me to tell me the " title '' part of the company needed additional information, including a copy of a bank statement I had already sent, additional proof my company was still in business, and unless I paid an additional {$2200.00}, they would not fund the loan. 

I have not rescinded my refinance, yet LoanDepot is refusing to fund the loan or send me the money I am owed from the refinance. Instead, they are attempting to extort more money from me.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (SC)

PayPal Credit-Synchrony Bank closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted PayPal Credit and was told the account was closed due to two missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that PayPal Credit did not present my scheduled ACH for payment during the months in question. 

I provided this information to PayPal Credit. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that PayPal Credit has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with PayPal Customer Support. PayPal Customer Support could not resolve and deferred back to PayPal Credit. I am without resolution.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense.
Consumer complaint received 2021-09-17
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)

This is a complaint against timeshare XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The people we dealt with or were involved with this were XXXX XXXX, XXXX XXXX, XXXX XXXX, all claimed to not work on commission. When we spoke to them, they told me I was making a good financial investment & promised things would be positively different each time things got worse. They enticed us saying that we can actually make money from it by renting it out hence gaining rental income. Another profit would be if we decide to sell it because the resale value would go up. We were told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered it's our last chance at the lowest price. They opened a credit card for us but was not approved, they never gave us a copy of the application and were not properly educated of the fees involved. Everything was rushed especially when they didn't even gave us ample time to read through the contract and understand it's contents so we can be fully aware of the contents of the agreement. They also used threatening statements such as ruining our credit and possibly go to jail. We weren't properly informed how to cancel. Though they informed us how many days to cancel and we were able to send cancellation request but obviously it was never cancelled. We have copies of communications sent to them. We felt we were profiled, we were XXXX y/o at the time and we feel like our age were taken advantage of. We experience stress because of this timeshare, sickness, headaches, can't sleep, stopped going out due to fear and given our age, it just doesn't help plus the medical condition we're dealing with ( XXXX ). Having this timeshare just makes our situation worse, the pressure when we spoke to them, not allowing time to read the contract, telling us we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2021-01-05
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. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY CARD AND USED MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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: Navient Solutions, LLC. (PA)

XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Tel/fax : XXXX Email : XXXX XXXX : Navient XXXX XXXX XXXX XXXX, PA XXXX Tel : XXXX / Fax : XXXX My Navient Federal Student Loan Acc't # XXXX On XX/XX/XXXX U.S. Congress decreed that federal student loans be subject to interest freeze and repayment forbearance until XX/XX/XXXX, but Navient is unlawfully reporting on my credit reports that I'm delinquent in repayments ; Tell Navient to cease such unlawful reporting and confirm by letter to me.
Consumer complaint received 2022-09-17
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. (IL)

Hi I am submitting this XXXX XXXX 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 more then 29 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2021-01-05
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. (PA)

THE FOLLOWING ACCOUNT LISTED BELOW ON MY REPORT IS FRAUDULENT XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 2016
Consumer complaint received 2021-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

Payday loan collection agreement was made with national credit adjusters on XX/XX/XXXX to make a payment totaling {$350.00} and {$45.00} for agreed settlement. The payments were made but national credit adjusters refuse to acknowledge the recorded agreement so that the collection can be removed from my credit report. Several Calls have been made to the collection agency with me being advised on a recorded line that the payment will be reported by XX/XX/XXXX but it has not been. I reported the collection to XXXX  as paid and the agency denied that it was. As of Now the collection still remains on my credit as unpaid. I spoke with XXXX # XXXX. Ref # for Payment is XXXX.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

I signed up for XXXX XXXX phone service just for XXXX month. Their website and their stores advertise unlimited service for XXXX XXXXXXXX. However, the real price is XXXX XXXXXXXX. I went into a local store and purchased XXXX month of service for {$29.00} after pointing out to the sales clerk, that the advertisement clearly stated XXXX XXXXXXXX. I have since been able to restore my old phone service, which is much cheaper and I no longer need XXXX XXXX services. Per their terms and conditions, if you're not satisfied with your service, you can cancel and get a refund within XXXX days. I canceled my service on the XXXX day. The reps that I spoke with said that since I USED the service, I wasn't entitled to a refund. I let them know that it makes no sense to offer a guarantee, but only if you don't use the service. How do you know if it will work for you if you don't use it? So I cancelled my service after 6 days and XXXX XXXX is refusing to refund me, as I am entitled per their terms.
Consumer complaint received 2020-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX 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 2021-09-17
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. (LA)

Experian says they investigated a bankruptcy that isnt mine thats on my credit report. They first stated months ago that they got the information from XXXX XXXX, once XXXX XXXX  deleted the account they then sauced they conducted an investigation which is a lie. According to 15 usc 1681a- ( e ) 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.

I want to know who experian spoke to that knows me personally. This is a direct violation of both the FDCPA and FRCA. My next step is to report this to my states attorney general.
Consumer complaint received 2021-03-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.