davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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: NAVY FEDERAL CREDIT UNION (AL)

Ive sent a letter via certified mail to Navy Federal Credit Union last month concerning various factors that resulted in the improper reporting on my XXXX Credit Report. First, in the state of Alabama the statute of limitations for an open and liquidated account *credit card* is 3 years. This time has elapsed so by law this negative charge off account and all of it remarks should be removed from my XXXX report. I disputed this with XXXX and the account came back as verified and accurate. Based on the law, i requested a copy of documentary evidence to prove that i owe this debt and this has not been received. No documents were signed by me, therefore my FCRA rights were violated. There was no legitimate business purposes. Navy Federal Credit Union has failed to respond to my certified mail inquiry timely, and furthermore i am requesting this negative account to be removed from my credit report immediately
Consumer complaint received 2022-10-06
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} 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 2023-06-26
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)

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am experiencing financial hardship and I asked the company to waive excessive interest charges and the company is not cooperating. 

Capital One has charged me on excess of 28 % interest and has been compounding finance charges and late fees month to O have accumulated in excess of {$600.00} in interest fees and late fees in the last month I am requesting these fees be reversed
Consumer complaint received 2022-10-06
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. (OH)

n accordance with the Fair Credit Reporting XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXXacct #, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX 's acct # 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 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

I 've been making my mortgage payments on time, but in XX/XX/XXXX was unable to pay my taxes. I set up a payment plan with my county and on the last payment, Ocwen set up an escrow and paid the remaining XXXX {$790.00}. I contacted Ocwen, explained the situation and sent them {$790.00} to get my escrow balance to XXXX and then faxed a letter requesting Ocwen close my escrow acct. And, I would make sure to pay my taxes. In ~XX/XX/XXXX Ocwen, sent my county XXXX from my supposedly closed escrow, and sent letters saying that I then owed them this amount. My taxes are XXXX. Freely admitting and in line with my intent to pay, I sent Ocwen XXXX ( my actual tax liability for the property ). Ocwen assured me that I owed them the remaining XXXX and would n't be attributing my mortgage payments to the loan until the escrow was paid off. Their research department was supposedly on it though. After more harassment, I discovered on some of the paper work they had sent me, that the XXXX was attributed to XXXX different PIN number XXXX was my property and the other was my neighbor 's property. I pointed this out to their effective research department and assumed that this would resolve the issue in short order. Not so, though they see it on their paper work, there is nothing they say they can do until the escrow balance is XXXX???? So, they 're moving along with harassing letters, some phone calls, notices on the door, beginning the foreclosure process, marring my credit, all they while they are cashing my monthly mortgage payments and the county tax balance is XXXX. I 've talked to several escalation specialist over a period of months. No resolution. I 've requested to talk to their supervisor, was told I would be contacted in XXXX. It 's been a week, no response and the letters keep coming. I been paying timely on this mortgage for 15yrs. I 'm beginning to pay down the principle and I think they may be trying to bully me out of my house. Or, some internal embezzlement at Ocwen? Some sort of funny business or bad business practice are afoot. I certainly patently tried to work out this issue with them that is clearly their mistake. Is there anyone else experiencing similar treatment with Ocwen?
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check and chase said they need to verify it and it will take until XX/XX/2023. 

I waited and on the XXXX I checked and my account was still locked, I called the fraud dept and they said I need to verify the check. I went to chase bank and verified the check with the person that gave it to me. They said its too late and my account is closed already
Consumer complaint received 2023-06-29
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: Kimball, Tirey & St. John LLP (TX)

This company is falsely reporting the open date of a collection and has continuously reported the collection as verified without and method of verification. 

They have also been doing hard credit pulls on my credit which resulted in hard inquiries on my credit report in which Indid not authorize.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be adjusted and corrected right away. 
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 2022-12-02
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. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

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 XXXXXXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of conviction of crimes which antedates the report by more than seven year.

15 U. S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and XXXX  docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

, ( XXXX XXXX. ) never gave ( Midland management ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Midland management ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. 


You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Midland management # XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NC)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago. 

Today, I found out that Equifax decreased my credit score AGAIN for the very same reason. 

I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file. 

Please correct this item in my credit report and correct and restore my credit score. 

Thank you for your time. 

Sincerely, XXXX XXXX.
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MIDCOUNTRY FINANCIAL CORP (MS)

I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. 

After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. 

I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc (NY)

XX/XX/2023 My name is XXXX XXXX, i am the only competent party to this transaction. 

Paypal is communicating credit information to third-parties XXXX XXXX XXXX which is known or which should be known to be false. 
Paypal has not communicated my rights to dispute the alleged debt under the fair debt collection practices act section G. 
Paypal has never had any expressed written permission to share ANY INFORMATION.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK (NY)

Discover Bank has failed to be transparent regarding their fees and services since I have opened an account with them less than 30 days ago. On XXXX, I opened a checking and savings account with Discover Bank and initiated a transfer to fund my new account. There was some " system error '' on Discover 's part that listed me and myself as both the primary and joint account holder -- leaving my husband completely out of the account and 2 cards arriving to my house in both my name and my name. It seems reprehensible that a banking institution could make such an egregious mistake using someone's social security number. 

Furthermore, I remained with Discover but with so many issues that I am forced to close my account within the first month. My first transfer took almost 7 business days ( 1.5 weeks ) to process. I called to inquire about this long time frame and was promised this is only the case for the first transfer. However, ALL of my transfers since have been the same processing time or even longer. Even debit transactions take 3-7 days to process with Discover when XXXX and other banks process the same day. 

Moreover, I deposited a check via mobile deposit from my employer. The bank website states that " deposits made before XXXX XXXX  will be available same day ''. I made the mobile deposit at XXXX XXXX on XXXX and was notified that my funds would not be available until XXXX. This is the most insane policy and processing time I have ever experienced with blatant lies stemming from their website. Discover Bank should not be allowed to hold funds for this time period without making it OBVIOUS that this is the case. Nowhere on the website does it state that your funds will be held for over 10 days. 

The bank says that they are " XXXX  FEE '' and the agents on the phone will emphasize this. However, it's not true and again -- lack of transparency! I was charged for ATM withdrawals even though they are " XXXX  FEE ''.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (MD)

Bank of the West has been unable and unwilling to assist in resolving an issue that occurred AFTER the loan was paid in full, title released, and overpayment sent. They are now claiming we have a balance on the loan, without being able to provide any documentation as to why. I have contacted at least XXXX customer service representatives beginning on XX/XX/22 attempting to resolve this issue. I have requested a complete loan history transaction 6 times and to date have not received any information. Multiple employees have said they will research and call me back. No one has followed up or provided any information. One supervisor ( XXXX XXXX XXXX said loan was paid in full and he would send documentation to confirm, other employees said a check was returned XXXX  from XX/XX/22. I have provided complete proof from the payee bank that the check was paid upon presentment and a copy of the bank statement showing the check was indeed paid to Bank of the West.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

nationstar mr cooprt is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years kater my dates are off a little but 3 years is a lot to long to wait to report it late payment
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2019-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital One Hard Inquiry XX/XX/2018 XX/XX/2018 XX/XX/2018 Called Capital one about my 3 hard inquires that I did NOT give my consent or signature approval. Capital One said they couldn't find me in their system of applications. I asked her for a letter of removal for transunion and she said she can't give a letter of removal. Therefor nothing was fix about the 3 hard inquiries on my credit report.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Since 2010, I have been disputing fraudulent credit card charges with XXXX XXXX, XXXX, and Portfolio Recovery in regard to a credit card that was opened in my name. I originally filed a complaint with XXXX XXXX and no action were taken, which resulted in the account falling into the default. XXXX  XXXX  then sold the account off to XXXX XXXX / XXXX XXXX. I contacted XXXX XXXX and still never removed off my credit. I threatened then threaten XXXX XXXX XXXX XXXX with a lawsuit and they in turn sold the account off to Portfolio Recovery / XXXX XXXX. I have asked Portfolio for signatures, dates and yet nothing has been provided to me showing that this is my debt. The only thing they'd given me is my address. I have disputed this account of the past 8 years by following a Police Report and many threatening letters and yet they refuse to remove it off my credit.
Consumer complaint received 2019-07-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (TX)

I tried repeatedly to consult them for proof of Debt but they never send me an E-Mail or letter stating amount owed. 

I've spoken to them multiple times. 

I will not pay something without proof of records. 

I have been requesting for proof of Debt for the past year now.