davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NM)

Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

Hello, i been having problems with PayPal,, this company ever since i opened it. I feel like i have been racially profiled.I had my goverment money coming into their account and they always freeze and i was assured the first time that it will never happen again. They are holding my stimulus package check in their account and everytime i get money from the goverment i have to verify myself. i need my money
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

My loan was transfered and the company did not satisfy all the notification requirements. It failed to notify me of where the transfer of ownership is recorded, which is a RESPA requirement. 

On XX/XX/2019 the loan was transfered. The company reported me l ; ate for payment made on XX/XX/XXXX for the XX/XX/XXXX payment, as well as the XXXX payment. 

Since the company was deficient in its notification I should not be reported late.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or around Friday, XX/XX/2022, I visited the Bank of America XXXX XXXX, TX Branch ) to close two small business accounts : XXXX XXXX Company, Account Number XXXX XXXX XXXX XXXX  XXXX  Store, Account Number XXXX XXXX XXXX I approached the teller, provided my ID, explained I had two small business accounts with nominal amounts, wanted to withdraw the money and close the accounts. The teller withdrew the money from both accounts, gave the funds to me, and closed them as I had requested ( so I thought ). All was well and I left the bank, Because one of the accounts was fairly active I regularly received weekly texts providing balance updates. The other, I received monthly paper statements. 

When I continued to get the weekly text updates after two weeks, I called the BOA customer service number and explained that I should not be getting any text updates because the account was now closed. In addition, the text was reflecting that my account was in the negative. The customer service representative informed me that it takes a while for the text notifications to stop. 

Because, information about the 2nd account came to me via paper statement, I still had no immediate concern. 

Because the text messages never stopped, I became very concerned, Friday, XX/XX/2022, I visited the Bank Of America ( XXXX XXXX XXXX ). I was able to speak with a banker and explained the situation. I told her that the account should have been closed the day I withdrew the monies because that is what I requested at the time of withdrawal. She proceeded to inform me that tellers don't close accounts. She said I should have seen a banker instead of a teller. I told her that's not my responsibility to know that. I was just furious. I asked how can you make this the customer 's responsibility? I requested the accounts be closed at the time of withdrawal. The teller should have informed me of what steps to take. The banker then informed me that the accounts can not be closed with a negative balance and I would be required to pay before the accounts can be closed. She told me that she spoke with manager and they were unable to close the accounts now without payment bringing it to XXXX  balance. 

She suggested I call customer service and perhaps they could help. I explained to her, that I was there in person to resolve the issue. When I did call customer service I was put on hold for 30 minutes only to have someone answer and tell me I needed to hold for another department. As of XX/XX/XXXX, both accounts are reflecting negative $ XXXX. and I need these accounts closed. 

Please assist with the closure of these accounts. I do not feel I should be penalized because the teller did not follow through with the closure of these accounts. I can not understand how this would be serving their customer base.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old chase card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for Transunion and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
Consumer complaint received 2018-05-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (AZ)

I am trying to get help through the Arizona Department of Housing, Hardest Hit Funds Program and my lender Guarantee Rate is not a participating lender. Arizona Department of housing is willing to help me if my lender provides a reinstatement quote with a 30 day good through date and my lender is rejecting sending that information to the Arizona Department of housing or to my housing counselor XXXX with Administration of Resources and Choices her number is XXXX. Our names are XXXX and XXXX XXXX our phone number is XXXX. Please help me get a Reinstatement Quote with a 30 day good through date so I don't loose my house.
Consumer complaint received 2018-04-25
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. (NJ)

I submitted 2 different disputes to experian about an account that is not valid. The entry is XXXX-XXXX XXXX XXXX for {$490.00}. I asked them to verify the validity of this debt because XXXX would not provide me with details of this debt. Ie : When, where, and the details. This is not mine and experian would not provide me with anything to prove its mine. I already had this debt deleted from the other 2 major credit bureaus XXXX  and XXXX. Both of the other 2 bureaus  could not validate the debt and removed it from my reports. Since I couldnt get XXXX to send me proof I asked Experian and they responded that it was not their responsibility to do that and I asked them how they verified this debt as mine they responded that XXXX told them it was mine! That is not proof nor is it validated and if the other 2 bureaus could not verify its validity then how is Experian able to? And if they have validated and proved it is mine then why wont they share that information with me? I want this item removed from my report immediately!
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Disputed Collections for Myslef because I am a XXXX under the age of XXXX I have never opened up services or. A credit card in my name because It was impossible because I was born in XX/XX/XXXX. I have not reached XXXX.
Consumer complaint received 2022-03-07
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)

this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!
Consumer complaint received 2018-08-07
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: Early Warning Services, LLC (NV)

XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. 

It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. 

I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. 

Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (DC)

From XXXX through XX/XX/year>, I was charged late fees by Barclay 's Banana Republic store credit card that I did not know was due. This happened because Banana Republic changed banks, as it had done twice in the more than 10 years that I had that credit card, and Barclay 's did not assume my automatic payments in full that I have been enrolled in through the previous credits cards associated with this account, and Barclay 's did not inform me that that they cancelled my autopay, neither in email, phone, or writing. Therefore, I assumed that the small purchase I made in XXXX ( {$23.00} ) was automatically paid for in full at the time it was due when in fact it was not through no fault of my own. 

When it was brought to my attention three months later what Barclay 's had done ( still not even by Barclay 's but by another of my banking sources ), my excellent credit score, which had for many years been in the XXXX, tanked by nearly XXXX points as the direct and only result of being charged late fees by Barclay 's without my knowledge. 

I called Barclay 's immediately and explained their error ( or maybe it was intentional to generate more revenue that they did not earn ). I asked for the late fees to be reversed and was told that they couldn't. Severely alarmed by what they had done to my credit score, I paid the bill in full anyway and had the card closed. I asked if at the very least they could remove that the payments were late from their records so that my credit score could go back up, they said there was nothing they could do. I waited a few months thinking my credit score would return back to the XXXX and when it did not, in XXXX I contacted Barclay 's again to ask if they could recategorize the " late payments. '' They again said there was nothing I can do. I do not believe this is true and that if Barclay 's wanted to fix their mistake, they could. 

To me, Barclay 's actions at best represent complete negligence and at worst, consumer fraud. They should have communicated to me that they were cancelling my autopay when they took over administering the Banana Republic store credit card. And after being told about their negligence, Barclay 's should have reversed the late charges, particularly since they had access to my 10+ years of information while I had the Banana Republic credit card with not one single late payment. 

Attached you will find my Barclay 's credit card account information, including charges and late fees, as well as my credit score changes which provide evidence that 1 ) In XX/XX/year>, my credit score dropped by XXXX points which is the date that the Barclay 's charge was tagged as being 30 days late, and 2 ) I had an 'excellent ' ( i.e., in the XXXX ) credit score leading up to Barclay 's error.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Hello my name is XXXX, PayPal has recently closed my account FOR NO REASON that's holding {$730.00} in my balance for 180 days. I have reached out to them through customer service twice and have been rejected both times for help. I am not sure if this is some mistake as I assume it has to be. I feel as though this is strongly wrong and they are holding a large amount of my money which is effecting me greatly. If anyone see this please help me out!!! My Email Linked To My PAYPAL Account is XXXX  XXXX XXXX
Consumer complaint received 2020-07-29
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$140000.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (MO)

I sent Flagship Credit Acceptance a letter wishing to cancel the transaction because Pursuant to 1635 you never included my right to rescission nor did you provide me with the material of disclosure upon my request with the fact that I have the right to rescission. So I hereby exercise my right to rescind the agreement under the provisions of the Truth of Lending Law and 15 U.S. Code 1635 Right to Recission and I ask you to return my deposit/down-payment of {$1500.00} within the 3 years right to rescission as required by law. They have not responded in the 20 Day time from that they have by federal to respond.
Consumer complaint received 2020-07-29
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$140000.00}
Consumer complaint received 2018-08-07
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. (AZ)

Experian is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. Experian removed it 4 years ago, and is not removing it this time.