davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
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: NAVY FEDERAL CREDIT UNION (GA)

CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor.
Consumer complaint received 2022-05-04
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: General Motors Financial Company, Inc. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Although I have been paying on my student loans since XXXX, I've noticed that the balance of same has not gone down that much. In XXXX, I filed for chapter XXXX bankruptcy ; however, my Navient student loans were included in the repayment plan. Since the discharge of my bankruptcy in XXXX, I have continued to pay on time, the full amount of the loan. During that time, I noticed that the loan payments were broken up and then without notice, they were added back together. This, in my opinion, was in an attempt on Navient 's part to charge more interest. Since XXXX, the amount owed for my student loans has barely changed. I addressed this with the customer service and was only told that the interest is charged up front.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 

I also have been making my regular payments on this account. When i call in and make my payments no one has Ever told me that i was late or had a balance past due. If they simply told me this i could have made the payments to get the account current. how is it legal to NOT tell a customer " Hey XXXX by the way you even if you make the minimum payment you are still behind ''. It would be that simple ... .This is UNACCEPTABLE
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

The company reported a frivolous account on my credit report. I had moved and paid my last bill with XXXX XXXX. And moved to a new address which again had XXXX XXXX service. Despite that, they sent me to collection without notifying me at my new address and I still ended up paying this 2nd bill. I was told at the time of paying this that the account would be removed from my credit report and this did not happen. The account has also been re-aged by the collection company.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-18
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: Exeter Finance, LLC. (PA)

Exeter Fin is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2022-08-18
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. (CA)

As of today report showing accurately total revolving credit utilization of XXXX out of a total of XXXX in credit limits. 
However, it is falsely reporting this 46 % utilization ratio as 100 %, resulting in reporting of credit score over XXXX pts lower than it actually is. 

Separately, XXXX XXXX  is being falsely reported as late when creditor has confirmed it as current as of XX/XX/22 XXXX, XXXX XXXX is being falsely reported as late when creditor has confirmed it is current as of XX/XX/22 The total effect of these false items is a reporting of credit score over XXXX pts lower than it actually is
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company. 

I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service. 

I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.
Consumer complaint received 2022-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom It MaXXXX Concern, On XX/XX/XXXX, There was a collection account reported to credit bureau. This original credit account was opened in my name it is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau. 

To resolve the problem, I would like to demand that this fraudulent account and collection be removed from my credit report as it is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as identity theft. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The creditor XXXX XXXX XXXX has agreed to delete the account XXXX   XXXX/XXXX XXXX but it is still showing on my credit report. They also said that they have contacted the original creditor so that they can delete the account from my credit report. XXXX, Transunion and XXXX have not deleted the account from my credit report. Please delete the account, I am including their response from my previous complaint.
Consumer complaint received 2022-08-18
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: Bread Financial Holdings, Inc. (GA)

COMENITY BANK/XXXX has posted inaccurate information to my consumer report. Comenity bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with comenity bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. Comenity bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Consumer complaint received 2022-03-09
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. (IL)

The accounts listed are fraudulent. I did not consent nor authorize these companies to benefit from my credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-18
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: ALLY FINANCIAL INC. (PA)

Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

An auto payment for my XXXX mortgage XX/XX/19 missed due to insufficient funds. I contacted the bank of the situation XX/XX/19 after I realized and informed I would pay using their online pay method on their website. I completed the online payment on XX/XX/19. I then contacted them again to inform them I paid online and to not autodraft again for the XXXX payment. PHH replied and said you will not be drafted again until XX/XX/19. On XX/XX/19 PHH took another XXXX mortgage from my account. PHH customer service stated they would not until XX/XX/19. This additional mortgage draft caused a documented {$190.00} insufficient funds fees in XXXX days before I could recover the mortgage amount to my account. I think PHH is responsible for any insufficient funds charges that would have been avoided if their mortgage would not have been drafted again on XX/XX/19. 

I have contacted PHH who requested I send documentation of my accounts and proof of the insufficient fund fees. PHH upon receipt has said they are not at fault. I have contacted additionally XXXX other times to customer service in which they state they are not at fault.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

I received a call from this debt collector and was told I owed a person money. I requested they send proof. I received something Word document. I dont ever recall owing this individual anything. They can not produce proof but a piece of paper with my name and someone elses signature. They cant even verify my social security number. 

I now have a collection on my credit report from this company. I need help to clear this as it has a negative impact on my score.
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One has charged late fees in the amounts of {$38.00} and {$27.00} multiple times since the begining of the year, also claimed I missed payments and therefore owed a double payment I've called and talked to them several times finally managed to get a couple charges waived which I didn't need because I didn't actually owe any fees I finally wrote to the dispute address provided by Capital One because I feel my payment amounts, balances, interest rates, my personal credit has become negative and the balance of my account is a fraudulent amount generated by Capital One and the errors made falsely to that account, I requested they review statements from XX/XX/2019 to the most recent and adjust what's incorrect, subtract payments after adjusting balances and mail me a new corrected statement with a balance reflecting actual amounts, as I am still making a monthly payment on time like I have always done, I never intended to default or stop paying Capital One, I did notify them of this, but i'm not willing to be robbed and mistreated, made to feel ashamed, put in a negative way, told they've done what they can and waived late fees for me, and that is all they are able to do, they've explained my statement charges to me, I wasn't always late with payments but that i also wasnt paying required amounts which also allows them to add those fees, basically it's my problem, they had completely helped me, the account is correct, done. I asked, who received the letter I sent, how long before they respond, but it meant nothing and no one is going to acknowledge it because Capital One does not feel they wronged me, they don't care about me, or my feelings, or the way they're negatively affecting my life all i want what's right, it's easy to see who did what and where the fraudulent information started please help me work this out. I have enjoyed my relationship with Capital One but im devastated thinking they cant be trusted, that working issues out with customers isn't policy
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.
Consumer complaint received 2019-09-18
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: Experian Information Solutions Inc. (PA)

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing XXXX, XXXX to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
Consumer complaint received 2019-09-18
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. (PA)

I believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing XXXX, XXXX to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-04
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2019-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AR)

I have an issue with XXXX. The payments I and my wife are setup on are mostly manageable. The problem I have is that the plan they have me on does not even cover the interest accruing. Why would they put me on a plan for repayment when the loan is only growing over time? I know that XXXX loans are forgiven after XXXX years. This will leave us with well over $ XXXX in forgiven loans. That seems great but Ive learned that the IRS considers forgiven loans as income and is taxed that way. Why would the government put us on a plan that seems like a great deal only to burden us in our XXXX with a insurmountable tax bill? Anyone that has owed the irs any considerable amount of money knows how terrible that is. Forgiven student loans should not be considered income after paying on them for 25 years.
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Have lived at same address for 7 years, have received yearly credit reports from TransUnion on an annual basis. Have not placed any security freeze on my report. The inquiry section will show that I have been denied credit based on a TransUnion report. Had trouble obtaining a copy by calling XXXX. 

The denial creditor on the credit report is : XXXX XXXX   dated XX/XX/19 under the inquiries section.