davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

***Mailing full complete credit card statements including full account number, name and address and details of the account over a year after the account was closed. Security breach opens client and bank up to fraud. *** I have been in the finance industry for 30 years. Starting out with XXXX XXXXXXXX XXXX on the teller line and continue my career into the mortgage sector in the XXXX. I've been through the XXXX crash and I know how easily fraud can occur. I even wrote a book about the mortgage loan process. I also hold my broker 's license in XXXX and XXXX. My husband works for a merchant processor in security, for credit card companies. He runs their Technologies division. We are both horribly alarmed at the policies of Union Bank. 

They had closed our account a year ago which is fine. I understand they were probably concerned about covid-19 as it was just breaking out around this time. Knowing the account was closed was fine, XX/XX/20. Over a year later, XXXX, I get a bank statement with its complete account number, all of our information including address and name. I called Union bank just to be informed that they will mail out bank statements just like this anytime they have a policy change. Yes they will mail these out on closed accounts. Yes they will continue to mail it to the last address on record for up to seven years. This policy is flawed and needs to be corrected. I have never in my career ever seen this happen.

Again I am a professional of 30 years in the finance industry and very alarmed at the behavior and policy of Union Bank. If this policy has been implemented in recent years I would strongly discourage it and ask for reconsideration for Consumer Protection.

We have a situation now also because a lot of folks have passed away during the pandemic. Mailing out bank statements on accounts of the deceased, even if the account is officially closed, is opening up for liability, fraud, and exposure. I would think Union Bank would have a lot more sense in this. They are huge and they should be more aware of what kind of problems this could create and more than likely already has. 

In doing my homework, I looked at XXXX reviews to find one star and several complaints of accounts being closed and consumers subjected to fraud already. Numerous complaints of identity theft. This is how it can happen. Thank you for taking care of this matter and having Union Bank change its policy. Furthermore remedying any other policy like it that other banks are using. This is dangerous to the consumer and to the bank because people could fraudulently be opening accounts with this information. 
Thank you. XXXX XXXX XXXX, author of " XXXX XXXX XXXX XXXX '', XXXX # XXXX, WA # XXXX, Firm # XXXX, NMLS # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2022, I went onto the Pentagon Federal Credit Union ( PenFed ) website and applied for the PenFed XXXX XXXX XXXX XXXX XXXX. After submitting the application, it automatically directed me to the application approval page for the PenFed XXXX XXXX XXXX XXXX XXXX. Not only was it not the card I applied for, the terms, conditions, benefits, and promotional offers are completely different. Now I have one additional hard credit inquiry on my report and a credit card I do not want. 

I communicated with a number of representatives from PenFed attempting to resolve the issue. They confirmed that my application was indeed for the PenFed XXXX XXXX XXXX XXXX XXXX, but their credit card department decided for me that the other card was more suitable. So they changed my application to the XXXX XXXX XXXX XXXX XXXX without my consent. 

I have applied for many credit cards before, and the applications were either approved or denied. Never had I encountered a situation where the financial institution changed my credit card application without my agreeing and gave me a card I never applied for.
Consumer complaint received 2021-02-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I've been working with XXXX XXXX, manager at Navy Federal mortgage department. I informed my loan officer from the start that I will not have an impound account on the loan. I was informed by XXXX XXXX ( loan officer ) that my loan will not have an impound account as I requested. I was informed by XXXX XXXX that my loan was approved yesterday. When I informed XXXX that I informed XXXX of the impound account she became combative and aggressive and lied to me stating to bad. Unless you have a higher credit score and put 20 % down payment, Navy Federal requires an impound account on VA loan. I informed XXXX that requesting 20 % down on VA loan in order to cancel out an impound account is illegal and against VA guidelines. I asked XXXX XXXX to provide me documentation of this on VA loans. She stated thats an internal document and I will not be able to review the document. I explained to XXXX XXXX, that the VA loan department nor Navy Federal requires this as you can see in my last VA loan with Navy Federal. XXXX XXXX responded threatening me that she will close out my loan. I stated that I do not give her permission. She responded too bad. This is extreme maltreatment of a Navy Federal employee to a Navy Federal Member and needs to be address immediately. XXXX war veterans do not deserve this. Navy Federal employees involved contacts : XXXX XXXX ( Manager loan origination ) XXXX XXXX email : XXXX XXXX XXXX ( loan officer ) XXXX XXXX email : XXXX XXXX
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX  of 2020 when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XXXX XXXX I was contacted by Portfolio Recovery Services on behalf of an alleged debt of {$450.00}. According to 15 USC 1692 ( 2 ) a debt collector may not state such consumer owe a debt. I have not consented to the selling of my private information in disclosure of my love of dwelling, I have no bonded contractual agreement with the company in pursuant to an alleged debt. This is also a direct violation of 15 USC 1692f unfair practices I have never consented nor have done business with this company who is reporting inaccuracy to my consumer report which is a threat to my moral character and reputation.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (CA)

I recieved a letter from " Allied Internetional Credit Corp., ( US ) '' today ( XX/XX/2018 ) claiming they are trying to collect a debt of {$530.00} from XXXX. I have not used XXXX in approximately 6 years.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

In the past month Midland Credit has called 112 times. The worst being 22 times in one day. They are now attempting to use spoofed numbers as shown in the provided log. Debt or no debt, this is harassment. Screenshots of call log provided.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CA)

I mistakenly transferred an amount of {$5000.00} of XXXX from my Binance.us account wallet address : XXXX into my Blockfi wallet address : XXXX on XXXX XXXX AM XXXX. I realized funds did not make into my account and contacted XXXX for status of my deposit. I was informed that the transferred amount that was transmitted onto wrong network ( BSC ). I was unaware of the transaction being sent onto wrong network. I was told that there could be no resolution to retrieve my funds back. This was unacceptable so I'm filing a complaint. If Blockfi.com is a custodian of my crypto assets then they should be able to and have a process in place to retrieve funds that customers ' mistakenly transfer onto incorrect network which can obtainable by the private key to the wallet address. 
Transaction link : https : XXXX I am sure there are others that lost money through these types of transactions. So XXXX be XXXX can make changes to their custodian practices or process. But what they have in place now is unacceptable practices.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (FL)

In mid XX/XX/XXXX, I initiated a dispute with the credit card company regarding a {$1500.00} charge made by a vendor who misrepresented availability of a product which I paid for using my card. 

On XXXX XXXX, XXXX, I emailed the credit card company to ask the status of the dispute. On XXXX XXXX, XXXX, I received an email which stated the matter was still being investigated. That XXXX XXXX email from the company did not request anything further from me, i.e., documentation, etc. 

On XX/XX/XXXX, I received an email from a different representative that said the dispute was declined. I was told by phone that the reason the dispute was declined was because the company had sent me an email requesting more info from me that I did not respond to. I told them I have no record of receiving that email and the company has refused to provide a copy to me. I have asked for an appeal but was declined.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (AK)

Extra principal payments were not applied correctly. Charging daily interest rate based on a 360/360 interest loan. We were told by finance that it was a simple annual loan. Daily interest rate is fluctuating daily even after paying {$200.00} extra every month since we established the loan ( 18 months ) interest should good down since the loan principal goes down, but it does not, it fluctuates daily. We have spoken to driveway finance many times regarding this with NO clear answers. First time XX/XX/XXXX and more recently XX/XX/XXXX.
Consumer complaint received 2021-04-13
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. (GA)

To Whom It XXXX Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADDRESSES DO NOT BELONG TO ME, PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 




XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We have been trying to work a short sale with SPS. They initially did an external value which didn't show the foundation that is collapsing. We submitted a value dispute and received a letter dated XX/XX/XXXX stating they agree with our value dispute {$22000.00}. SPS took so long to complete the decision process so that we lost the buyer. Based on their letter that they would take {$22000.00} we relisted the home to get them the required NET they require if the value was {$22000.00}. This put us at a purchase price of {$23000.00}. SPS has held the file for MONTHS again and finally decided they are countering to {$27000.00} stating our value dispute was denied in XXXX. How was it denied when it was already approved? They did a new DRIVE BY valuation - so they can not see the damages of the home. I have requested that the file be sent back to the investor for final decision - we don't have another 30 days to waste on SPS holding the file due to their inefficient processes.
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (KS)

I have tried to reach Self Inc numerous times in regards to closing my account, I can't get a hold of anyone via a call. I have messaged them time and time again and I don't get an answer except the automatic message.
Consumer complaint received 2022-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I filed a dispute letter with on XX/XX/2021 XXXX, Equifax and XXXX regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and XXXX refuses to remove it. The account is being reported as bad debit when in reality it was fraud that was never investigated. Its been more than 30 days and the accounts in my letters are still reporting. Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-04-25
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. (TX)

XXXX XXXXXXXX XXXX keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies
Consumer complaint received 2022-07-23
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX 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 an 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.