davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX  area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (CT)

Update on mortgage that was closed in late XX/XX/XXXX late at night in XXXX XXXX CT without a notary and without a lawyer for me or American Financial Network, INK. 

To add to the existing issues reported I got a call from American Financial Network at XXXX at XXXX PM and said for me to call them by automated dialer. I responded by calling them back at XXXX PM a minute later and spoke to someone that I have spoken to previously. I was placed hold for about 4 minutes and was hung up on when I asked about loan modification and documents. 

I then called back at XXXX PM and was hung up on again. 

I have submitted documents that have been requested for approximately a year and every time I submit what is requested of me, I am told a month or 2 later that a paper needs to be updated ( which is good for a month such as bank statement ), then after 1-2 month review the response is over and over, and over again. 

There is more as the workers 1. Give me contradictory information everyone I call as documented in recordings that I have done and the company is required to do. 

2. The workers give me no information that is helpful. The firm issue the workers do is demanded which tone of voice I use when talking to them and talking in a passive and subservient tone. I've accommodated a few times in return for the loan modification getting done and no luck. 

3. I was told to get the right documents in and that it's like a program for approval. When I told the manager 2 months ago that a program is " only accurate if the right data is put into program '' she got mad and was short with me. 

I have continually asked XXXX what documents they need and when I present them they say they need something else and the process never ends. For instance I submitted a Profit and Loss for XXXX and then after a month plus of review XXXX tells me that I also need to sign the document ( after a month plus review ), and then after I submit the new document I was told that I needed something else about old mortgages that I no longer have and on and on and on. 

The contradictory information with every call is made worse when I'm told by XXXX that American Financial Network is not handling the loan modification and then I'm getting calls from American Financial Network and no there just hanging up on me since these Consumer Finance Protection Bureau complaints. 

THIS company and or XXXX has no process or consistency that I can follow and are RANDOMLY making policy and making demands to me as is FINANCIALLY and most feasible action as this complaint is in the works.
Consumer complaint received 2021-06-13
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)

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant TransUnion, XXXX, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MN)

I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX   updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX   that it had been settled, he told me I would have to contact XXXX  because they are the ones that update the credit bureaus. I called XXXX  and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (PA)

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. They have not complied 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 unknown inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XXXX XXXX 2020 XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IN)

XXXX said that I owe them XXXX dollars, and that is no way possible and diversified has not validated that debt is mine. They has the wrong person i have never ever had a XXXX   account ever in my life. They have the wrong person, and the spelling wrong because this is not my account. So they need to delete this immediately from my account. It just pop up on my account in XX/XX/XXXXsorry they have the wrong XXXX.
Consumer complaint received 2018-05-25
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Windham Professionals, Inc. (IL)

Currently I am being harassed through phone calls, emails, written mails, etc by XXXX for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (LA)

Dear Sir/Madam Loan Depot, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor Loan Depot to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Loan Depot, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Consumer complaint received 2022-03-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Worst mortgage company I have ever dealt with in my life if I could give them a negative score they would have it! The mortgage company constantly adds insurance to my account despite me already having insurance from the closing date. They also like to add escrow to your account despite me being exempt due to me being XXXX percent XXXX Veteran. Since they are a debt collector they will make your personal credit account 60 plus days delinquent for taxes that will show you aren't paying your mortgage even though you are posting payments that were never due and ruin your credit. They also take months 4+ months to fix the problem while you are stuck dealing with rude employees and managers that like to frequently hang up in your face. They never fix a problem in a timely manner they lose paperwork or don't document it properly which always effects your credit negatively. Worst of all I didn't even choose them as a mortgage company they brought my mortgage they will not contact you at all you if they have an issue with your account.They will illegally add incorrect payment status balances to your credit without even trying to speak to you. These practices are very predatory and prey upon individuals who would just pay for it without thinking be wary of a lot of late fee charges. No matter how many times you call or who you speak to nobody can speed up the process.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I am trying to recover money that was taken from my checking account by citibank and wired to an unknown person. I have been a Citibank Priority customer for more than 30 years and have never used their wire transfer services. 

On XX/XX/22 at XXXX I received an email alert from citi that I had added a new payee ; at XXXX I received an email alert that I had been successfully enrolled in wire transfer services. There was a note on email that if I hadn't enrolled, I should call them. I immediately called. 

While on hold and simultaneously online, I watched as three transfers for a total of {$2500.00} were made to a stranger, XXXX XXXX, at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX in XXXX. 

When Citibank answered, I told them that the transfers were unauthorized and fraudulent. I asked to be transferred to their fraud department and reported to " XXXX '' what had happened. She transferred me to another person and I again relayed my story. I was told Citi would investigate and get back to me. I also asked that I get a copy of Citi 's written records adding the new payee and authorizing the wire transfer. I have not received either. 

Over the next couple of days, I put a hold on my Citi accounts, went to my local Citibank office and spoke with my personal banker ( and she told me I was the 3rd person that day to have been victimized by the same wire transfer transactions ), went to the XXXX and filed a report for Grand Larceny, called Citi 's Global Cash Investigation group and filed three notarized affidavits of unauthorized online wire transfers.

Although it's been 3 months, about 10 branch visits and 30 phone calls, I have not received written notice of the disposition of my case. Nor have I been shown written records of the fraudulent transactions. Upon calling the XXXX XXXX XXXX XXXX, I was told I would not be repaid b/c the receiving bank no longer had the funds.
Consumer complaint received 2021-06-13
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}. 
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 XXXXXXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX , Equifax and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, TransUnion , XXXX and XXXX on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

Last year XXXX of 2020, I checked my credit report and found a collection account showing up on my credit report which I have had no knowledge did not create. I contacted the credit agencies and let them know with a police report stating that the debt was not mine. 

XXXX and XXXX researched the debt and contacted the furnisher of the debt and resolved it that it was another person with the same name. While XXXX has not even responded or taken any action at all in a year 's time. I write them every month abou the account and nothing ever happens so now I am contacting you.
Consumer complaint received 2021-06-15
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. (FL)

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (OR)

I tried to look at XXXX through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through XXXX XXXX XXXX. 

I was approved XX/XX/XXXX through XXXX XXXX XXXX for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through XXXX XXXX XXXX to my bank account. 

XXXX XXXX XXXX began charging me for a loan of {$800.00}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop.

I just received a letter from Contract Callers Inc. for this fraudulent debt in the amount of {$1200.00}, dated XX/XX/XXXX.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (UT)

I received an email supposedly from XXXX about a data breach settlement which is directing me to click on a link in the email to sign up for the free fraud protection. The problem is, I am not able to independently verify this link is okay and the link is asking for some very sensitive information that could cause a huge problem. 
Here is the link : XXXX I tried to go directly to the Experian web site to complete the sign up, but there is no way to access from there. I tried to call Experian about this, and they only give you an automated system and you can not actually talk to someone about the legitimacy of this link. 

With all the internet fraud, this is really irresponsible of Experian to force us to use a link in an email to sign up from their fraud protection. Could you get them to fix this?
Consumer complaint received 2021-06-13
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. (CO)

I have disputed more than once with Equifax concerning false dates of delinquencies from XXXX XXXX. After speaking with XXXX a representative claims that they have not made such reports to the Bureaus. Dates of activities are always changed after disputes reporting incorrect information. This is a closed acct that should no longer be showing period. The dates are always changed to prolong the acct. showing which is causing hardship and mistrust with the bureaus that are supposed to protect against this kind of abuse. I've tried uploading documents showing proper information with Equifax but always get errors and when i did speak with a representative they was rude concerning me asking to dispute again and i was told it had already been disputed. I disputed XXXX before with CFPB and after that dispute they was no longer reporting updates now al of a sudden Equifax is reporting what XXXX updated even more false information concerning dates and reporting that the information is correct. Is this not against The Fair Credit Reporting Act???? However the other reporting bureaus were fair concerning me a a consumer and had no problem removing the XXXX acct.