davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2019-XX/XX/2019, I contacted after being targeted by fraudsters who stole total of {$230000.00}. 

Navy Federal Credit Union XX/XX/XXXX international wire transfer to XXXX XXXX {$41000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$35000.00}. 
XX/XX/XXXX international wire transfer to XXXX XXXX {$80000.00} XX/XX/XXXX international wire transfer to XXXX XXXX {$75000.00}. 
XX/XX/XXXX I reported to NCU bank for FRAUD and requested for cancellation Immediately, XX/XX/XXXX total {$150000.00} could possible to holding action because International wire transfer transit time in USA from Navy Federal Credit Union to XXXX XXXX XXXX should take 3 days in USA then arriving country takes another 3-4 days. These funds available dates are XX/XX/2019. 
If NCU wiring department takes action for cancellation immediately I didnt loose these money. 
I complaint for funds available date If wire transfer takes same day, Navy Federal Credit Union must update wire transfer website information for consumers immediately also they must tell to consumers for correct meaning for funds available date. Bankers told me their computer system generated available date automatically, but Wire transfer is much faster than 5-7 days, sometimes same day. 
As consumers, were depends on bank policy and rule on the public website also Receipts my last two transactions funds Available date is XX/XX/2019. 
Navy Federal Credit Union bank international wire transfer transit time is 5-7 days, sometimes takes more days but Navy Federal Credit Union fee is cheaper than other banks. 
My complaint is : Navy Federal Credit Union should pay me back for XX/XX/XXXX two transactions I think this is very unfair Navy Federal Credit Union must update wire transfer information on line website and their computer banking system correction for funds available date instead of system automatically calculated 7 days, Most of consumers include me, when they see funds available date we believe funds will be there around those dates. I never hear international wire transfer transit time is same day- until NCU banker told me after I realized I lost all my money by Fraudsters.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (UT)

I took out a loan with Navient in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with Navient was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (MA)

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes XXXX, Experian and XXXX
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

XXXX-19 I made a claim against my home owner insurance and come to find out fifth third had not made my insurance payment so they would not take the claim called fifth third and they said they had a grace period of 60 days and my insurance said that is not true and told me that they had sent them a notice after talking to several people from the bank they said the would pay it so a week went by and I called insurance to refile the claim and they said they still had not got paid so I called the bank back and they sent it out around XX/XX/XXXX
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

Elan has violated FDCPA. Status must state : paid in settlement. Balance written off. Comment must state : paid in full for less than full balance. I had made payment arrangements for a settlement Elan had agreed upon. They even recorded me. Yes they are still reporting incorrect information I have disputed twice w XXXX, once w XXXX, and once w XXXX. I have added documentation
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (CA)

In XXXX of XXXX I was admitted into an emergency room ( I have XXXX XXXX XXXX XXXX ) so I made sure before I was admitted it was an in network facility so that my insurance would cover my stay. Luckily I am fine. After a few months I started receiving my bills from XXXX and paid my portion in a timely matter. It is now Late XXXX and have just received notices from a collection agency that I owe {$630.00} plus interest on a debt I had no idea I owed. After contacting them regarding this notice -TSC Solutions ( the credit agency ) sent me a bill summary from my emergency stay. Apparently during my emergency stay an out of network doctor performed a procedure and this is where the bill is from? At no time did I EVER receive a bill from this doctor/or his affiliate company for my portion of the bill. Ive spoken to my insurance ( XXXX  ) regarding this and my advisor stated this happens quite often to patients. XXXX  sent my explanation of benefits from this bill to me and I forwarded to TSC SOLUTIONS. Initially {$630.00} was submitted by the out of network doctor- but due to the fact that {$120.00} from the claim is considered incidental to the primary procedure only {$510.00} was owed to the doctor ( or his office. ) I emailed this information to the credit agency as I do owe a portion of the bill ( {$510.00} ). But they are insistent that the FULL BILLED AMOUNT of {$630.00} IS due plus interest. 

Ive tried unsuccessfully to resolve this matter with XXXX at TSC Solutions even offering to pay more than what was owed ( I offered {$550.00} to TSC but was told in an email that the full amount of {$630.00} plus interest of {$88.00} was owed -now totaling {$720.00}. ) I am upset that as a patient I was diligent to go to an in network facility so that I wouldnt have any problems with my insurance but apparently this type of medical billing is done at the expense of the consumer.

I am also bewildered that a credit agency Does not have to abide by the law that protects consumers from over billing. At no time should a consumer have to pay the FULL amount owed from medical billing just because the bill is now in a collection agency hands. 
As I said I have tried to resolve this matter with TSC SOLUTIONS with no success. I will not stand by and be intimidated to over pay just because it may affect my credit report.

The difference of {$120.00} may not be a lot to some people but its a matter of principle. At no time should a collection agency or other entity feel that the law that protects over billing to consumers does not apply to them. As I said I tried to resolve this in a timely matter with TSC Solutions but have not been successful.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC (FL)

Northeast recovery services of XXXX ny. Is trying to collect in a old tribal loan which was paid in XX/XX/2018, bought old debt probably, I paid XXXX on this internet loan. They are calling relatives scaring them and trying to get information stating they are an officer. His name is XXXX XXXX.
Consumer complaint received 2022-07-27
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-06
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. (PA)

On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX   XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to PA that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXX   reports collection amount as {$450.00} and XXXX reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING LLC / XXXX XXXX XXXX XXXX XXXX  {$870.00} The account was settled and paid, but this remains on my credit report as a collection. 


XXXX XXXX  XXXX / XXXX XXXX   {$190.00} The account was paid in full, but this remains on my credit report as a collection.
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

I pulled my credit reports a months ago and I notice an account was reporting that I was not aware of, I then reached out to the company. I requested proper validation that is 100 % accurate according to the FDCPA and FCRA. Nothing was provided for on each occasion. All I received was a print out of a debt that is said to be mine.
Consumer complaint received 2023-06-10
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. (AZ)

I received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted XXXX, XXXX, Equifax to remove the inquiries on my credit report, after multiple attempt to informed XXXX that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, XXXX, XXXX, Equifax still refuses to remove the hard inquiries. XXXX has violated my rights under 15 USC 1681b. I am requesting XXXX to remove the inquiries ASAP.
Consumer complaint received 2018-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (CA)

XX/XX/XXXX for XXXX title loan car not paid off This Company ( XXXX ) calls us 7 days a week for XXXXto XXXXXXXXat night blowing up our cell phones an this person will not stop this is in violation of the Roth act in California. There is no doubt we owe the money. 

But bugging us with phone calls will not get the money any sooner.
Consumer complaint received 2022-07-27
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)

I am 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. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I called their office of the President, but I'm not waiting for 5/3rd 's internal investigation to wrap up. Every experience I've had shows that multiple agents from the company are acting in bad faith. As such, I'm making a record here, too. 

In my last complaint, XXXX XXXX XXXX response was fair, but, given the behavior of everyone else I've met at 5/3rd, she's the outlier. 

Today, with her letter in my hand, XXXX at the XXXX branch refused to open an account for me. He explained that since I was only there to redeem the promotion, he was in the right to refuse. He quickly showed me the door. The letter from XXXX saying otherwise carried no weight. 

In XXXX, I had an experience prompting my only other complaint ever. That experience resulted in the letter from XXXX. In that experience, the agent at a different 5/3rd branch told me that many branches don't honor the promotions that are mailed out. This makes me believe that it is widely known within the company that they mail coupons they have no intention of redeeming, or only redeem if the customer " buys more. ''
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I contacted both Experian and XXXX about an account on my credit report. XXXX XXXX Bank is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX Bank doesn't have any such documents to prove a loan. I sent documents to both Experian and XXXX to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXX Bank to report incorrectly. 

Also, Experian is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX