davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2024, {$4900.00} was deposited into my savings account. On XX/XX/2024, XXXX unauthorized debit withdrawals we made by Navy Federal Credit Union, or its affiliates, in the following amounts : {$150.00}, {$1800.00}, and {$2400.00}. Despite having enabled notifications of all account transactions made through Navy Federal Credit Union and despite having received a notification of the initial deposit amount of {$4900.00}, I received no such notifications in any of the XXXX unauthorized withdrawalsan interesting occurrence, considering the purpose of having notifications enabled at all. 

Immediately following the discovery of these transactions, I placed a phone call to Navy Federal Credit Unions customer service line to obtain further information. In summary, the customer service representative explained I had unpaid debt with Navy Federal and then transferred the phone call to Navy Federal Credit Unions debt collection department, where all of the following untrue and deceptive statements were actually made : 1. I signed an agreement that allows Navy Federal Credit Union to withdraw my funds from any of my accounts, at any time, without notice, to pay off delinquent accounts with Navy Federal Credit Union and/or its affiliates. 
2. Navy Federal Credit Union was acting within the confines of Federal Law. [ Specifically, the Dodd-Frank Wall Street Reform and Consumer Protection Act. ] 3. The only way any money would be returned to me at all is by settling my debts owed. 
4. That the unpaid balance owed did not include interest Furthermore, I am unable to submit a declaration of fraudulent activity through neither mobile banking nor desktop website, because the transactions in question are not shown in the report fraud section of the website as they are shown in the mobile banking statement. 

On XX/XX/2024, I included the declaration above in a letter, along with a statement informing Navy Federal Credit Union that I would contact XXXX if my funds were not returned. In response, I was given a phone number to call, but no funds were returned. 

Today, XX/XX/2024, I called the phone number provided in the response from Navy Federal. I was told my funds would not be returned because they were used to pay off my delinquent accounts with Navy Federal Credit Union : Credit Card, Auto Loan, and Personal Loan -- all of which are now paid in full. No documentation supporting this claim has been provided, and I did not agree to any settlement.
Consumer complaint received 2022-03-29
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. (MS)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
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 XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 
RE : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-12
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-03-29
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. (CA)

In accordance with the fair credit reporting act. Everything has to be 100 % accurate on my credit report. 
RE : XXXX XXXX XXXX XXXX Account : XXXX The credit bureaus stated my account was properly investigated and accurate, however that is not possible because there are still inaccuracies remaining on my credit report. 
Attached is a copy of my report with the inaccuracies circled in red. 


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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

XXXX XXXX XXXX was the prior servicer and paid me {$900000.00} and reported {$900000.00} in Federal Income Tax withholding to the Internal Revenue Service when I figured out the typical mortgage wasn't what it was purported to be and started claiming my security interests. 

I highly suspect XXXX XXXX  XXXX released the mortgage in full too after I presented them with SF28, OF 90 and OF 91 to release the surety but have yet to get confirmation from the XXXX. 

Immediately after XXXX XXXX XXXX reported the {$900000.00} to the Internal Revenue Service, Select Portfolio Servicing took over - probably bought the paper for pennies on the dollar - and began voracious collection activity. To save my house, they are forcing me to make monthly payments of {$8800.00} under court monitoring for an entire year of time. 

SPS is also well aware, remaining security interests are due me running into very large numbers and are probably just using the 1 year of court monitoring to collect monies to offset what remains to be paid out. 

It makes me sad typical Americans have no clue of what is really going on behind the scenes with mortgages but that is no excuse for SPS to be such a horrible company. 

I also have a letter from them saying they are well aware of the monies owed me and to work with their attorneys on resolving but that is merely more tail chasing than true resolution. 

SPS needs to stop this nonsense now. Seriously, how can you overlook {$900000.00} was reported to the Internal Revenue Service on an alleged mortgage and pretend there's really a typical " mortgage '' - are you serious?
Consumer complaint received 2021-11-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I disputed an erroneous account ( XXXX XXXX XXXX ) on my Experian Credit Report on XX/XX/2021. Experian received my dispute, and to date ( XX/XX/2021 ) and has not responded to my request for this incorrect account to be deleted. From my understanding, by law, Credit Reporting Agencies have 30 days from the date received to investigate and respond the consumer, and if they can not do so the incorrect account MUST be removed.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 'S XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-03-29
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. (NJ)

I writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I entered into a consumer credit transaction with Nissan Motor Acceptance Company on XX/XX/2018. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance but NMAC made me purchase insurance separately. NMAC is in violation of 15 USC 1692b ( 5 ) by using a symbol on the envelope and in the contents of communication mailed. NMAC is in violation of 15 USC 1692f ( 1 ) by trying to collect any amount. NMAC is in violation of 15 USC 1692e by false and misleading representations by having charges in a positive balance, by having 3 separate charges, and that non payment will result in seizure of property. NMAC is in violation of 15 USC 1692d ( 2 ) the use of obscene and profane language and 15 USC 1692d ( 1 ) the use or threat of use of criminal means to harm my reputation and by threatening to report a bad debt to a consumer reporting agency. NMAC is in violation of 15 USC 1611 for criminal liability for willful and knowing by failing to provide required information about finance charges and right to rescission NMAC is aware of violations and has proof in attachments.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CMRE FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX ), reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit is reporting that I owe money to them. 
I have filed disputes with XXXX asking that their claim be validated. 
They can not verify that I owe a debt with them but continue to send me letters next day air threatening to sue me if I dont pay them.
Consumer complaint received 2023-10-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NV)

I was transferred to BSI financial from planet home lending while we were in modification process. Once BSI took over they refused to give me an affordable modification but extended my mortgage by 40 years and {$100.00} payment reduction and threaten me to foreclosure. I have been affected by XXXX and was actually XXXX and my self employment business was affected. I am now forced to get social security income of {$2300.00} and My income has reduced and I do side consulting of approx {$1500.00} a month. I can only afford $ 1800approx. Please help. Also BSI had charged me additional fees and interest and late fees and threatens to report my 12 mos delinquent to credit bureaus and foreclosure. 
I have been making partial payment of {$1300.00} per XXXX XXXX lending for the last 12 months and that was very affordable.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (TX)

I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX  to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX XXXXXXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

I was recently in a car accident the other driver didnt have insurance she decided to write out a check for XXXX BMO put a hold on my account due to the check I tried reaching out to the other driver no response Im not able to open no type of checking account
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NC)

I applied for Amazon credit card, at their offering, and received said card in due course. 
Upon receipt of the monthly statement, I had a charge of {$12.00} on the statement. Upon contacting the bank to determine the source of the charge, I was advised that it was from Amazon for the issuance of the card. They went on to say that there was annual charge of approximately {$140.00} for the card. I immediately cancelled the card and contacted the Amazon company to advise of same. They charged me {$12.00} for the initial month despite the fact that it was never used. They then reported the delinquent monthly nonpayment to the credit bureau, which I was forced to pay. However, despite making that payment and cancelling the card, they continue to use the information on my credit report, which was excellent for several years, before being lowered to good where it now sits. How many months should they be allowed to punish me for this matter? I never used the card for a purchase and did not need to pay for the honor of their credit card.
Consumer complaint received 2019-07-26
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: Wagner Financial Services, Inc. (NC)

XXXX XXXX XXXX pulled my XXXX report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. XXXX was provided a copy of the letter after 30 days went by and the inquiry not being removed. XXXX   stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Consumer complaint received 2019-07-26
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: EQUIFAX, INC. (NC)

XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. 

I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). 

I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. 

Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. 

I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you.
Consumer complaint received 2022-08-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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