davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

Called Company on XX/XX/XXXX to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In XXXX, XXXX took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. 

Per XXXX XXXX XXXX, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to XXXX XXXX XXXX The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). 

There is also supposed to be a notice within the form stating as follows : XXXX CFR XXXX NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that XXXX XXXX XXXX XXXX States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : XXXX XXXX XXXX XXXX - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

ALso my paperwork shows Navy Federal as the lein holder however the Secretary of state shows they are not. I am aware that the XXXX is a private business and their records are incorrect. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( XXXX XXXX XXXX ).
Consumer complaint received 2019-06-11
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-03-21
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. (MN)

on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you mr XXXX XXXX.
Consumer complaint received 2019-06-11
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-05-26
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. (OH)

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of XXXX  XXXX XXXX Credit Card 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 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 records of convictions of crimes which antedates the report by more than seven years. 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 that the information is inaccurate. Furthermore, I have diligently contacted XXXX   XXXX XXXX numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent XXXX  XXXX XXXX credit card # XXXX in my Equifax consumer report. 

I am requesting the following actions : A thorough review of my Equifax consumer report to verify the accuracy of all information, particularly the XXXX  XXXX XXXX credit card account in question. 
If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my Equifax consumer report. 
I am cooperating fully with both XXXX  XXXX XXXX and Equifax investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with XXXX  XXXX XXXX and Equifax indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that Equifax will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. 
I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. 
Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. 
Sincerely,
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of it.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX I sent an investigation request to Equifax about the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for verification on, if all the accounts referenced were reporting 100 % accurate information, because i wasnt sure that they were. 

I also asked that, if any account werent reporting accurate information, then the account in question be removed according to 15 U.S.C. Sec. 1681i ( a ).

This request to Equifax happened 30 days ago and i still have not had a reply, which is a direct violation of 15 U.S.C. Sec. 1681n ( a ).

I will attach a copy of the sent investigation request letter.

I will attach a copy of the invoice for the violations of each account.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I have submitted bk information to Equifax several times proving that this debt has been dismissed and should not be reported as an open/ongoing collection account as they are doing, they have refused to change this in my credit report, XXXX & XXXX have removed this account and show no collections in my reports, only Equifax has not done so. 
XXXX
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (SC)

Good morning, UAS is the account holder for my XXXX Perkins loans. The total of the original loan is {$2100.00}. The total balance now is {$2300.00}, and the amount due is {$410.00}. 
I contacted them to try and extend my forbearance and was told that I would have to make a {$300.00} payment before I could apply for any other benefits. All of my federal student loans except these are on an Administrative Forbearance because I have filed a Borrower 's Defense application. This is because XXXX lost in a lawsuit with the FTC for deceptive marketing practices. I was a student that received a check because of it. I informed UAS about my status and on top of that I can't afford those payments. Please help.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I had an account with USAA several years ago and when I lost my job in XX/XX/XXXXI fell behind and eventually the account was charged off. Over the years I have been trying to repair my credit to buy a house and for a long time I have been told that paying the charge off will only hurt my score and make it harder to qualify for a mortgage. Most recently I was advised by the lender to pay the account to help get the scores where they need to be. Back in XX/XX/XXXX I contacted USAA and after several attempts reached the right department to be able to get these balances resolved so that we can move forward with purchasing a home. The balances were paid on XX/XX/XXXX and XX/XX/XXXX respectively. when I contacted the bank at the end of XX/XX/XXXX to get a letter of satisfaction showing that the balance had been paid I was told that the payments were not posted to the account yet for either of the ones made even though one had been paid through USAA bill pay 2 weeks prior. They told me to call back in another week and they should be posted so I can get the letter of satisfaction. I waited a little over a week and called them again only to be now told that they still are unable to provide the letter as they have not properly updated the accounts on the credit bureau. I am really shocked to see how they continue to give us the runaround about just getting something in writing to show that these accounts have been paid when we have paid them both off already. We are now on a time crunch and we have to move. We need help. USAA is not doing what needs to be done to provide us with the information we need.
Consumer complaint received 2023-08-21
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/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 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NY)

Late Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NC)

A person in a womans voice called to confirm timeshare information for mr son XXXX who happens to be only XXXX years old and can not give consent for anything. This person called from a XXXX number in NC at XXXX.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WA)

I got my Chase freedom unlimited credit card & had XXXX transactions stopped within the first few times trying to use it. The XXXX  time was at a gas station, while I was XXXX XXXX  away from home depending on this card for travel. The credit card company was closed over the weekend. The XXXX time was at XXXX getting groceries & vitamins for my kids. The XXXX was trying to pay for food or my hotel. I would have to look @ the receipts. I have over {$100000.00} in my main Chase account & told them this credit limit is very low! You have my open end credit & are discriminating on how much credit I can access!!! They told me they wouldnt change it. Chase has used my application to fund this account via my social security # & consumer credit transaction. My birth certificate is authenticated on the state & federal levels. I have the full faith & credit of the United States. As a American National per 8 USC 1101 a 21 I demand & require that I have complete access to my unlimited open end credit. I can not be denied access to my consumer credit per federal laws.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld sent paperwork for me to complete after the first complaint l completed all paperwork and sent it in XX/XX/2024, I called on XX/XX/2024 and was told my email was received an XXXX would call me back, no call back at all I called Transworld on XX/XX/2024 and spoke with XXXX XXXX she had no idea the email was received asked me did I send in all the information which I did on XX/XX/2024 attached there is also two different account numbers on my paperwork from Transworld.
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC (CA)

DEBT RECOVERY SOLUTIONS Have no knowledge of XXXX XXXX XXXX  the company and seen it was a loan place that I have never been to. I have no knowledge of that loan or account. {$310.00}. XXXX XXXX  XXXX
Consumer complaint received 2020-09-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

I had requested to remove my PMI since my home value increased and my remaining payment was less than 80 % of my home value. The company received my request and denied with unreasonable answer. I disputed and they requested further information. I provided the supporting information but the company didn't resolve the issue. I submitted my complaint to NJ state. Then, they replied with unreasonable excuses.
Consumer complaint received 2020-09-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$250.00}, {$9000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NJ)

My wife has linked a debit card from my checking account to her PayPal account. She recently filed a dispute when someone had sent back an item merely because she did not want it anymore. Approximately 371 dollars a and change was charged to my account even after my wife had the dispute resolved in her favor. It seems PayPal reversed it giving no reason but my issue is that the account charged is mine and mine only. The PayPal account is my wife 's, I have nothing to do with that. The amount was taken out today, XX/XX/2019 when the matter had been decide in my wife 's favor about one week ago. My concern is PayPal is using deceptive practices and charging a debit card which is under my name, account and all, and my name only, on an account that is not mine buy my wife 's and hers only after refunding the money a week prior. I've contacted my bank but they are still attempting to see if they can resolve the issue being that the PayPal account is not mine but the payment method is, which I did not authorize. Thank you
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Applied for loan through Credit karma recommendation on XX/XX/2023. Received calls and text messages, email from XXXXXXXX XXXX  loans through Sun XXXX aka XXXX. After several month loan funds never received. Daily text and calls from Company impersonating to be XXXX XXXX loans. Requesting money sent to several different XXXX XXXX ids. Threatening late fees and legal actions. I have paid over {$5000.00} to this company using XXXX XXXX  id given to me from XXXX XXXX XXXX XXXX. As if paying the loan back or paying administration, processing and insurance fees. When requested to cancel receiving treating emails and text messages. Stating no refunds.