davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (NC)

In XXXX of XXXX  I discovered that NFCU did not have the title to my vehicle on hand while trying to complete a sale of the vehicle. After multiple phone calls over the course of the two weeks to follow I was condescended and belittled by 3 supervisors who claimed it was my fault that the title had gone missing and one who stated that NFCU records showed them never receiving the title from XXXX. 
Once the records of both the CA DMV and NFCU XXXX and a branch in XXXX XXXX Florida were checked the following was concluded : In XXXX of XXXX, I made a request, through the branch in XXXX XXXX Fl, to have the title sent there so I could register the vehicle as I had just been stationed in FL. A request was made to CADMV to turn the XXXX into a paper copy ( per CADMV records ) That paper copy was mailed to NFCU with a tracking number to confirm receipt on XXXX at the address on file ( XXXX XXXX XXXX, XXXX XXXX, PA ) ( per CADMV records ). From there it was sent via XXXX standard mail to the branch in XXXX XXXX FL. ( per NFCU records ). The branch confirmed that it has no records of ever receiving it or reaching out to me to inform me that it never came in. NFCU has an internal policy that if a title is sent to a branch and not claimed by the member that it is to be returned to the main title holding section in PA after 30 days ( per NFCU ). That policy was never carried out. ( per NFCU ) The events as outlined above and the negligence demonstrated by NFCU to follow common sense practice, such as utilizing mail with tracking service, and disregard for internal policy resulted in the title for my vehicle going missing and remaining missing for a period of 2 years and ultimately resulted in the inability of myself to sell the vehicle to an individual who had arranged to pay more than the remaining loan amount.

In order to try and correct this matter NFCU filed for a duplicate title from CADMV ( per NFCU record ) and charged me a {$25.00} fee ( which they said would be waived prior to me giving consent for the order ). It was only after I received a letter stating that the amount had been debited from my account and confirming via the online app, and calling the help line that the amount was refunded to me. 
I tried negotiating for fair resolution on three separate occasions through a case manager as NFCU supervisors said case managers are the only ones who can do anything beyond. All three were denied. 
No further resolution has been reached. 

For these reasons and pursuant to 12 USC 5531 I am filing the complaint of abuse. Navy Federal Credit Union took unreasonable advantage of my reliance on them to safeguard the property held and displayed negligence on multiple occasions to follow set policy, which is not consistent with acting in the best interest of the consumer.
Consumer complaint received 2021-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I called XXXX XXXX  to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with XXXX XXXX  debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (NJ)

Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below. 
XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 

FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc. (NJ)

I sent a letter of communication to the original providers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a settlement. Then they sent it to a collection agency instead of responding to me. The collection agency sent me correspondence instead and also sent the medical information with details from the hospital without any XXXX release signed to a third party.
Consumer complaint received 2021-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Not able to talk with people in right departments to get answer regarding funds being held by them. Lady keep hanging up on me and telling other employees to do same after they transfer me to right department. Never get any answers regarding covn 19 forbearance or way Im being charge extra late fees, etc after being sign up for same.. no tell me when it ends and how I go about getting extended
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

I closed my mortgage on XX/XX/18 with Freedom Mortgage. The loan funded on XX/XX/18. Freedom was to mail me an escrow balance from my previous loan in the amount of $ XXXX.The check was never received. I have contacted Freedom 12 times and have been lied to each phone call. Freedom has to me the check was mailed twice. They have told me they didn't have my address. They have told me a supervisor will contact me. To date, a supervisor has not contacted me and I have not received my escrow check from the XX/XX/XXXX closing. my current loan # XXXX. However, the escrow check is due from my previous account. that account number is # XXXX On my latest calls, XX/XX/18, I was told that Freedom did not have my address. On XX/XX/18, I was told by AL, # XXXX, that he could not find any record of an escrow check due me.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

I saw Discover credit card account on my credit report and disputed it. However, Discovered card affirmed that I am the person who the credit card account that is in collections. I am a victim of identity theft and I have seen several collections accounts and transactions under my name that I do not recognize. 
I am in the process of fixing all these issues. 
During my job or apartment search period, I have supplied my personally identifiable information to people via phone or email who never got back to me. I have misplaced my drivers ' license and social security card and other important documents within the past XXXX years. 
I don't take loans and the only loan I take or sign up for her education loans to go school. 
kindly help me fix this problem
Consumer complaint received 2022-05-20
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. (CT)

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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. 

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.
Consumer complaint received 2020-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than XXXX days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I spoke with American Express about fees that were assessed for late payment on XX/XX/2021. I explained that the reason my payments were late was because of a technical error in the American Express auto pay system where I was given confirmation auto pay was setup however according to American Express it was never registered in their system. 

When I explained this they said over the phone they would take care of the late payment fees. However, the representative only removed one fee from each of my American Express cards and did not remove the others as promised. 

Today I called American Express and was able to get the remaining fees removed from my consumer credit card however when I called the business card team, they refused to remove the fees despite me explaining the error in detail and my previous conversation with American Express. 

The fees that remain for my XXXX XXXX XXXX card ending in XXXX are : XX/XX/2021 - {$35.00} XX/XX/2021 - {$39.00} American Express should understand and acknowledge that these types of computer errors can and do happen with consumer bank applications and internet connected electronic systems. I think it is unfair and predatory for American Express to hold consumers responsible and target them with fees for technical errors and glitches present in their software. 

As of today, I have even paid American Express the late interest on my account despite all this. My account is fully paid, up-to-date, and I confirmed with American Express on XX/XX/XXXX when I was aware of the issue that autopay is enabled going forward. 

I am asking is that American Express do what is right and what was promised over the phone to remove the remaining late fees from my card dated XX/XX/XXXX and XX/XX/XXXX. If American Express will not remove the fees, I ask that they provide me the transcript of our call on XX/XX/XXXX so that I can review the record myself. 

Thank you, XXXX XXXX
Consumer complaint received 2021-11-14
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. (GA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.
Consumer complaint received 2022-12-16
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. (SC)

Not only has these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX committed FDCPA and FCRA violations, but they are just violating all my consumer rights. According to 15 USC 6802 - Obligations with respect to disclosures of personal information in paragraph ( b ) a financial institution may not disclose nonpublic personal information to non affiliated third party unless ; ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I WAS NOT GIVEN ANY OPTIONS TO OPT OUT, NOR WERE ANY OF MY OPTIONS EXPLAINED CLEARLY TO ME. These companies continue to report this debt to the credit reporting agencies causing damage to my character and my reputation. Should they again ignore my rights and continue to bring harm and damage to my character I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I KNOW MY LAWS AND I KNOW MY RIGHTS. I HAVE A RIGHT TO PRIVACY & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity.
Consumer complaint received 2020-02-11
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. (NY)

I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I noticed a late reporting on my account with XXXX XXXX XXXX account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.
Consumer complaint received 2021-11-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

To the CFPB professionals : I pay my credit cards off monthly, almost without exception. However in XXXX of 2021 my XXXX  XXXX card branded under XXXX had a balance of about {$3.00}. I missed this statement online and was recorded by XXXX  XXXX as being 90 days delinquent. 
This is not a card that i use very often, and I had overlooked this overdue charge of under {$4.00}. 
The XXXX XXXX bank forwarded a note to the credit agencies regarding the above issue as being trivial, and noted my account is now current. 
This single late payment for the amount of about {$3.00} caused Transunion to drop my XXXX XXXX by nearly XXXX points, from over XXXX to less than XXXX. 

Similar drops were also noted in the experian other reporting agencies. 
This significant drop in my score of over 5 % will impact many of my financial obligations from insurance to possible mortgage interest rates. 

it is not reasonable for the credit reporting agencies to penalize me so severely for a sinlge {$3.00} late payment, my only " blemish '' in the last 5 years. The only significant item on my reports occurred more than 5 years ago, and relates to medical charges above the approved insurance rates agreed to. I have disputed this charge as well, but it does not appear to be part of the XX/XX/XXXX severe drop in my credit score. 

All credit card balances are paid off monthly, the mortgage payment has never been late, and I have paid off all of the vehicles that i own in less than a year. the only debt I have is the balance on my mortgage of < $ XXXX, paid down from more than $ XXXX over the last 9 years. 
How can these agencies drop my credit rating so severely over a {$3.00} overlooked payment??/
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Company name coinbase one morning l woke up and somebody stole my money from coinbase account and XXXX from my XXXX XXXX XXXX card transfer on coinbase and stole on coinbase account then l contact with company they said somebody hacked account and stole money but that is not my fault or my problem they should have responsibilities on my money and they send me mail we wont refund your money l need this money and l have to pay my rent and nobody help me please help me thanks my totally lost XXXX
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I haven't gotten one response from the bureau 's in the mail. I have been disputed for months now. This is out of control. I don't know how the credit bureau 's can act in this manner. So disrespectful they way they operate.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

After deciding to upgrade my current phone, i applied and was approved for merchant credit in the form of an installment loan. This loan for for an XXXX  XXXX XXXX, through a well known online outlet company in the cellular industry called XXXX XXXX XXXX XXXX XXXX. However, this company has failed to report my account to the credit reporting agencies, now in month three, nothing has shown up, so my payment history is not being included on my credit report. I went through the proper channels to investigate why my payments haven't posted. I was then informed that my account have been submitted for reporting back in XX/XX/2018 but the credit bureau, namely Experian, has failed to investigate and update my account to my profile, which after research, and consulting with a family friend whose an established attorney informed me that this was a direct violation of Fair Credit Reporting Act. This account required a down-payment of {$180.00} after a credit check, a soft check as stated by the representative. And the remaining balance was to be paid over 24 months in the amount of {$29.00} after the initial payment of {$30.00}, the vendor states that they do report to all 3 major credit reporting agencies which typically shows up in 30-45 days. 
Below is Information provided to me from the creditor, my account # is XXXX, balance of device when the loan was opened was {$710.00}, current balance is now {$210.00}, after several on time payments ( 5 in total ) and trading in my old device Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Contact Number and Fax : XXXX