davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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: NAVY FEDERAL CREDIT UNION (TN)

Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/year> and subsequent accounts in XX/XX/year>. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my Navy Federal Credit Union account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from XXXX XXXX XXXX about a Navy Federal account that claimed the customer is not in agreement. However, no one from Navy Federal has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to navy federal. 
I urgently request your assistance in closing the fraudulent Navy Federal Credit Union account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.
Consumer complaint received 2022-05-27
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. (CA)

I was able to resolve a past collection account and that company agreed to submit deletion request to the three credit bureaus. Transunion is the only one that not only still reflects and unpaid balance but opened account. I spoke to a representative several days ago and she stated that the request was received. I spoke with a supervisor who stated other words and wanted to have me speak to someone in the dispute dept. He stated that he saw something where the company sent in but he could not do anything. And it would be resolved in another 30 days. My credit is already jacked up because of the wrong info being reported this is bad customer service
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I opened a XXXX XXXX credit card in XX/XX/XXXX. And was closed at credit Grantors request shortly after. The amount of the debt when account was closed was {$7300.00}. I have a copy on a credit report from XX/XX/XXXX that shows on record until XX/XX/XXXX. 
In XX/XX/XXXX the debt was purchased by Portfolio Recovery Associates who reported the debt amount of {$7300.00} and reset the date of the original debt. I disputed the debt multiple times with all three credit bureaus. XXXX deleted the account but XXXX and XXXX only tell me that they updated the account but no information shows to have been changed. I have also repeatedly requested documentation to validate the increase in the debt amount that occurred when the debt was purchased, years after the account was closed, but Portfolio Recovery Associates has failed to provide any requested documentation.
Consumer complaint received 2022-05-27
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-05-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a well written, legitimate-looking email from Capital One on XX/XX/2022 at XXXX which has my name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the routing number of XXXX printed at the top of the email. The rest of the email congratulates me on opening this account and provides multiple links to resources, policies, downloading the mobile app, and disclosures at the bottom of the email provide the Capital One phone numbers, hours of operation, and standard important information. I have not now, nor ever, opened an account with Capital One. I XXXX  the number in the email and it returned the Capital One direct customer support line, which leads to me believe this is a legitimate email and that my identity has been stolen. As such, I contacted Capital One 's fraud department and spoke with a gentleman who told me that the only way he could assist me was by me giving him my social security number. Understandably, I was unwilling to give this, and advised him I had my name, email, the routing number or last 4 from the apparent account that was opened, etc. that he could use instead and he hung up on me. Furious, I contacted a local Capital One Cafe, and a lady advised me that fraud can indeed look me up by other information, or that I could go into a local Capital One Cafe for further assistance. I am a single mother of XXXX kids, and on top of that I work XXXX jobs. I don't have time to do that, nor do I live within XXXX miles of one of those establishments, so the request for me to do that when THEY have messed up not doing their XXXX XXXX XXXX  due diligence is laughable. No one will provide me what I need to be able to file a police report, which I am entitled to. I need the XXXX address of the location of who set up the account, information regarding how/when the account was setup, copies of all of the information which was submitted to Capital One to set up this account, etc. Either this company is pulling a XXXX XXXX XXXX XXXX scam and opening accounts for people to meet number goals, or they are assisting someone with fraudulent activities.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Transunion report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Consumer complaint received 2022-05-27
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). Equifax, XXXX, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : This account, I result of identity, theft, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never later and this a loan that was obtained as a business loan, not from my personal credit XXXX XXXX, showing LATE PAYMENT which thats not accurate
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, XXXX, and TransUnion are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Consumer complaint received 2022-05-27
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. (FL)

In acordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish account information without my written instructions
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Funding delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 Midland Funding called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told Midland Funding to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

We were on a COVID-19 forbearance plan. When our forbearance expired we had entered into a streamlined loan modification program. We were required to make three trial payments of {$1100.00} during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon the completion of the trial payments our loan was to be modified and reset placing the delinquent amount at the back end of our loan thus increasing our principal balance and the payoff terms of our loan. We completed the trial payments and waited four months to have the modification processed, all the while we continued to make payments that matched the trial payment amount. In XX/XX/XXXX we finally received the loan modification documents. We signed them and returned them via XXXX overnight within forty eight hours. The documents were received by our mortgage holder Flagstar Bank on XX/XX/XXXX at XXXX XXXX We waited another two months while still making payment for the loan modification to be completed. On XX/XX/XXXX we received our final completed and signed loan modification documents. Per the agreement our balance due was to reflect only the current month. It did not. A few days later some of the account had been reset but not entirely. The account reflected we did not pay our XX/XX/XXXX, XX/XX/XXXX, or our XX/XX/XXXX payments. This is factually incorrect because we have to call in to make our payments. I have my bank records. Print screens from their website, and payment confirmation letters from the three months in question. On XX/XX/XXXX, I received a letter in the mail stating if the delinquency was not resolved by XX/XX/XXXX foreclosure will immediately begin. I called Flagstar they seemed surprised a foreclosure letter went out and said I was protected. However they can not seem to figure out what happened to my payments and they will give me nothing in writing to prove they will not foreclose. Throughout this entire forbearance and modification process I have been in constant telephone communication with Flagstar. They constantly have no idea what is happening with my account and have a new or different reason for the delays every time I speak with them.
Consumer complaint received 2022-05-27
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. (MS)

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION (FL)

VyStar Credit Union embarked on a mobile banking upgrade XXXX  XX/XX/XXXX with a stated outage of XX/XX/XXXX - XX/XX/XXXX. They have been unable to bring their systems back online in any meaningful or useful manner in the two weeks since. 

In an online post on XXXX on XX/XX/XXXX, they stated they were " re-opening '' online banking via web browser only and no app for the stated near-term. What they have provided is an electronic " queue line '' in which you may be XXXX plus in " line '' and will wait for upward to an hours to gain access to sign on screen. In many attempts you will either not be able to log in, log in and only see balances and no transactions or simply have your connection reset to have to attempt the process again. 

There stance is to use ATMs, their XXXX cal center or go to a brick and mortar branch. I have found two ATMs in my area down when attempting that route, thus causing me to travel several extra miles to look at balances. Call queue times are extraordinarily long as are lines at branches. All of these solutions have financial impact as to the use of fuel and current gas prices.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CA)

When I got 2 different Mortgage Loans... perhaps over charged on my New Loan ..can you please check .... & Chards have a Very high % % % % % % % % why ... ..Thank you ... XXXX XXXX been a Wellsfargo Customer since 1987 ... XXXX XXXX Many years ....
Consumer complaint received 2022-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

XXXX XXXX  XXXX call about a loan taken out online at speedy cash in XXXX and called to try and collect I have never taken out loans on line for any type of credit I told the collection agency that I have never taken out a loan with speedy cash and he asked if I thought it was because of fraud I said yes and he directed to this site to report the fraud
Consumer complaint received 2018-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

on XX/XX/2018 i send a XXXX dollar cash money from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ohio XXXX to my wife n son in XXXX for our fastival XXXX but .when i send that they give me tracking number and i give to that to my wife n she went to XXXX  store in XXXX  to take that out but they not give her after that i call consumer services number in united states but they say me some XXXX try to fraud n scams that n they declined that transaction.then refund me that money back but they say me me not allowed to send any more money from america to XXXX for anyone.i try next day from other stores but there also it show transitions not allowed.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, Experian, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,
Consumer complaint received 2022-05-27
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: SYNCHRONY FINANCIAL (PA)

Account # XXXX Synchrony Bank made a incorrect late payment to the credit bureau which reflected on my credit report. Im asking to have the action removed from my credit report as soon as possible and all payments to company are final.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank won't let me cancel my " automatically '' renewed Credit Card they just sent to me in the mail via phone conversation because I have a new phone number. They can't verify my identity over the phone without me having to upload my digital Government ID. I am having trouble doing this and they won't make it easy. Protection? This is credit card that I want " OFF '' of my credit reporting because I " NEVER '' use it anymore and they are making it " UNNECESSARILY '' difficult.
Consumer complaint received 2024-02-21
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC (NM)

During our building process we have had a number of issues with our local office. We have communicated the issues to the mortgage company and have had little to no resolve pertaining to our issues. The difficulty and confusion that we have faced has been unacceptable. We have not been informed of issues and or lied to during our building process. Our local staff that has handled the home has been very hit or miss, mostly miss. Contractors have been able to do what they want when they want or nothing at all. The manufactured home inspection by the state has had delays and or excuses why it could not be done. I will be homeless in a few days ( XX/XX/2024 ) because I was told that we would be moving in on XX/XX/2024 and our home is yet to be inspected and or passed. The home I am currently in has new residents that will be renting it on XX/XX/XXXX. I am a veteran and a father of XXXX small children.