davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/2022, I opened an account with Navy Federal as my father was XXXX XXXX. Upon opening the account, I sent in the proper documentation to add my husband as a joint owner to the account as we share a bank account. Over the next few days, I called them as my husband had yet to be added to the account. 
Upon calling member services, and them speaking with the bankruptcy department, they informed that my account was closing due to bankruptcy being on file. 
Since then, I emailed the CEO of navy federal and informed her of the service I received, and my account being closed. The CEO, XXXX XXXX XXXX was disappointed with the services I had just received from member services, apologized and re-opened my account as the credit union is a second chance bank as well and that is not their values to close accounts like they did. 
However, the CEO was requesting that my account be opened back up. Since then, my account is re-opened, however, member services are still refusing to add my spouse to my checking and savings account. We share a joint bank account and always have. This is not the service I would expect to receive from a military bank in which my father served our country.
Consumer complaint received 2015-09-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX/XXXX/15, my car was vandalized and my purse was stolen out of my car, including credit cards, checks, my driver 's license etc. The incident has been reported to the police, and my insurance company. I cancelled all of my cards that day, and I notified my bank, XXXX XXXX XXXX XXXX. Please refer to attachment C for the police report, and attachment F for the report from the autoshop. 

On XXXX/XXXX/15, the thieves took out XXXX money orders with Money Gram over the internet using my license and my checking account information. This took place while I was physically at the bank. The bank immediately reversed the money, and credited it back to my account. My bank also notified Money Gram that this transaction was fraudulent on the XXXX of XXXX. 
Please see attachment D for the transaction records to Money Gram, and charges made XXXX. 

On XXXX XXXX, I recieved a letter from XXXX XXXX XXXX indicating that I owed money. I responded to XXXX explaining the situation, and that this had already been reported to Money Gram on XXXX XXXX, 2015. I included a dated letter explaining the incident, I included the police report, the records from the autoshop, the bank records showing all of the fraudulent charges, and the letters from XXXX for verification purposes. 

On XXXX XXXX, 2015, I recieved another letter from XXXX explaining that I owed money, even though I had responded on the XXXX of XXXX explaining the whole scenario. 
I am usure of where the money was transferred, but XXXX and Money Gram should follow up with the recipients. 

I am officially filing a complaint against Money Gram and XXXX XXXX XXXX for irresponsibly sending out collection notices after being supplied an official explanation of events.
Consumer complaint received 2022-07-06
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. (OH)

XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on Equifax -Dispute remark missing
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 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 2019-06-18
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. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX- XXXX ) XXXX**** , XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX. XXXX-XXXX-XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**,  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX**
Consumer complaint received 2015-07-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Goldstein, Cruise and Smith LLC (TN)

Started receiving calls back in XXXX stating we had an outstanding payday loan that we needed to resolve before they charged my husband with writing fradulant checks where I cut them off and told them that if it was indeed a payday loan it was not a criminal matter, it was a civil matter and do n't try to hustle me. Told them I would call them back in 24 hours and we could discuss. I still received multiple call on XXXX XXXX. Called multiple family members saying they were looking for my husband in regards to a serious matter, continue to contact my mother-n-law even though her number was put into the do not contact website because she just had a XXXX XXXX. Call from XXXX, XXXX, and XXXX numbers. Requested validation of debt on XXXX XXXX, 2015 only received an email with wording from a gmail that said we owe the debt but no proof or attachment of loan documents. XXXX a local County Clerk 's fax number and said they were a process server coming to serve my husband but I could call to make a payment to stop further action. I contacted the XXXX County Sheriff 's and Clerks office and they never heard of the process server and stated the number was a fax number she called from and calls could n't be made from it but scam artists are known to XXXX lines. I have send XXXX requests to the XXXX account requesting proof of the debt and I get no replies ; however I get voicemails left over and over again. Both on cell and work numbers.
Consumer complaint received 2022-07-06
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. (OH)

XXXX XXXX XXXX is reporting negative to my credit report. I have disputed the information as there is proof that all accounts have been paid, in good standing, and closed by me. I closed these accounts because XXXX XXXX XXXX, multiple times messed up my account, have horrible customer service, and their accounts was always being hacked.
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 is missing that should be on the report
Company: CITIBANK, N.A. (CA)

Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her XXXX XXXX and Home Depot credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AZ)

NCB Management in violation of 808 and 809. Unfair practices and Validation of debt. 
I failed to receive in writing : ( 1 ) the amount of the debt ; ( 2 ) the name of the original creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (KY)

Closed on my home on XXXX XX/XX/2021 and paid at closing all the property taxes for the next year since they were due in XXXX. Then in XXXX received a notice from the county that the taxes had not been paid. Called the mortgage servicing company Dovenmuehle the servicer for XXXX Mortgage and they had not made any attempt to pay the taxes and appeared unconcerned that they were delinquent. I have had multiple conversations with them concerning this and can not get any of their representatives to take action to pay my taxes. I have talked to 3 supervisors and 4 different customer service reps and each time I have to give them the entire story over again and none of them take any action. They also tell me that it is going to be another 2 weeks each time and nothing has happened. At the last calling they supposedly turned it over to an expeditor, but the person will not give us any status except it has been sent to another office. I contacted the county, and they are now assessing delinquency fees and will start foreclosure in XXXX if not paid. Dovenmuehle has been unresponsive and appears to keep bad records of customer contacts. The clear message to me has been they are not really concerned that my credit rating may suffer by their incompetence, lots of fees are building, and my house could go to foreclosure.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the item attached below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for it was found to be erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

I XXXX XXXX just recently checked my XXXX   credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX  with a parent company of XXXX XXXX XXXX. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name Sequin Asset Solution then. Same account number and same alleged original debtor_XXXX XXXX.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

My loan was held by Sallie Mae and I was able to make payments online using XXXX. This was useful because I lived overseas and did not have a US bank account. Navient then got rid of the online payment option and would not allow me to pay with a credit card. I had multiple conversations with Navient employees where I tried to explain my situation. They were never helpful. I asked if I could make one yearly payment ( to save on bank fees ) or when I needed a deferment to explain that I couldn't prove unemployment using their forms but had equivalent documentation which I sent. On each ocassion, the Navient employees, while polite, were unable, or unwilling to help. Eventually the loan was referred to a collections agency which has only been slightly better. I had the distinct impression that Navient were not interested in my particular circumstances or even in getting payment. Their inflexibility and lack of customer service made it very difficult.
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. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Dear Sir or Madaam Capital One is showing up as an open account thats been paid off and been closed iThis account was suppose to be removed from my credit report XX/XX/XXXX Ive contacted Capital One on several occasions I even was sent a letter last year that it would be removed and it s not as of this date. My social security number was found on the Dark Web since XXXX I also had a hacker by the name of XXXX XXXX in my credit file 2 years ago and some of this person s information is still in some of my credit reports Thank you Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (AZ)

Overview : I was contacted by a collection agency ( GC Services ) about a sizable debt not owed by me. According to them, this debt is from a previous employer ( XXXX XXXX XXXX XXXX ), where I resigned 33 years ago back in XXXX. 

History of Interactions : I have had 3 calls with GC Services since their original call to me in XXXX. I have emailed written descriptions and verbally explained explained that I have nothing to do with that company because I resigned 33 years ago back in XXXX. 

I also pointed out that prior to my resignation, my role was XXXX XXXX XXXX and a minority shareholder. I was never a Director for this Company. 

The Missouri Department of Revenue ( MDOR ) has evidently contracted with GC services for this debt owed to the MDOR during the years between XXXX to XXXX some 20 years following my resignation. 

Additionally, on XX/XX/XXXX my wife and I spoke at length with GC Services ' XXXX XXXX. She asked that we go to the MDOR 's website to fill in Form # 126 ( Registration of Exemption Change Request ), to officially remove my name as an officer, since XXXX XXXX never did this back in XXXX. This was completed and emailed to XXXX XXXX XXXX XXXX and the MDOR. 

It should also be noted that GC services and MDOR, were aware that I resigned and abided by the Corporate bylaws by surrendering my stock ownership certificates back in XXXX. This, in fact, was a requirement of any officer who departs the business yet they are ignoring this information when they call and write. 

Their relentless insistence on claiming that I have ignored all their communications, couldn't be further from the truth. I have asked GC services in my last communication on XXXX to cease their unwarranted harassment, yet the phone calls continue. 

Please help me abate this unwarranted harassment.
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I do not believe that an investigation was done because there is still a late payment reporting for XXXX XXXXXXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-14
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: NRA Group, LLC (NY)

NATL RECOVERY XXXX is being reported to all 3 major credit bureaus. This acount is fraudulent and wasnt openend nor utilized by me. Please note an attached Federa Trade Comission report and remove this from my credit.