davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy has charged me many fees. A couple of the fees they told me they sent me noticed and I opened it and I have not. Ive called navy 2 times now and even talked to a manger where they are very disrespectful rude and discriminatory towards me and my family. Telling us the fees are there and wont do nothing about them. One employee told me stop doing things where I would get feed
Consumer complaint received 2018-10-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation (TX)

The loan officer XXXX with SWBC misrepresented the product with her company by claiming to have a three in one close with an VA approval. I discovered that SWBC do not offer an construction when XXXX claimed she would have to speak with another bank. 
She mislead me to believe she was the one that would process the loan and do the lot, construction and permanent loan all in one. She falsely stated that the VA loan offered only 5 % and that I would only have one close. All this turn out to be false and again SWBC do not offer construction loans. 
She violated my trust and presented false statement about the loan process and when confronted about what she did, she attempted to avoid the conversation. I presented this information to XXXX XXXX who ignored my concerns and refused to address what she stated and did. They acted in a malicious manner and refused to be truthful about what she stated but the realtor that referred her to me was on the phone when she claimed what she could do and the type of loan she would provide.
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southern Management Systems Inc. (TX)

I contacted the apartment complex to pay of the amount of XXXX. Only to find out that they no longer own it and my collection was sold. This was around XXXX of 2021. I did not know any of the company 's they sold my information to.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (FL)

My complaint is more with the school XXXX XXXX at the university of XXXX XXXX. After graduating with an XXXX at a XXXX college we ( XXXX students ) are offered a 4year XXXX only degree at XXXX with courses costing at graduate cost but despite having all As if a portfolio isnt good enough, they make you take repeated courses at graduate cost. And if they still find you portfolio not good enough, despite having all good grades in courses they can kick you out pf the program and are forced to graduate with a XXXX in a field you never intended in the first place ( XXXX in XXXX XXXX ). We were sold on the dream of one day becoming XXXX and payed a higher price to go to school. I was very close to completing all my credit hours required for the program and despite completing my clases with good grades, I wasted my time and money. I borrowed so much money because fafsa wouldnt cover my tuition because we were forced to pay as graduates but forced to graduate with a XXXX  in XXXX XXXX instead of a XXXX in XXXX. I seeked attorney advice but say its hard to sue public university.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
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. (WA)

XXXX XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Consumer complaint received 2022-07-21
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. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (CA)

Today I received a fraud alert. When trying to resolve the Issue with the 3rd World country in XXXX they refuse to transfer me to a U.S. representative. I asked to speak to a supervisor and the people in XXXX refused to do so. I asked to cancel my card but they refused to do so. I explained that I will NOT give them pertinent information in fear of fraud and they refused to help! I don't know what to do anymore. There is too much fraud due to 3rd World representation to save $ . The American people are suffering from lack of quality control. XXXX XXXX has instructed XXXX to refusal of U.S. help. I do NOT trust my personal information to be in the hands of a impoverished country with no moral compass. When will this stop!? The timeswere XXXX and XXXX onXX/XX/2018
Consumer complaint received 2022-07-21
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. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I have been working with a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to assist in the cancellation of a timeshare contract and my husband and I have. We have been working with this company since XX/XX/XXXX. 

On XX/XX/XXXX I received a voicemail message from a XXXX XXXX that said that she was with XXXX and had some good news for me concerning our timeshare situation. The number ID ( XXXX ) said it was from XXXX and I had remembered speaking to someone by that name before. When I called her back, she introduced herself as a associate of XXXX and said that our account had finally settled and the only thing left to do was to pay a title transfer fee to XXXX XXXX to finalize the deal. 

I was hesitant about using XXXX to pay this {$1000.00} fee but she mentioned the exact date that we signed our agreement with XXXX and the amount that we paid for our services. The fact that she knew this detailed information was reassuring and I was so excited that our battle with the timeshare company was coming to a close. {$1000.00} is not a small amount of money for us since we have been struggling since Covid. I'm self employed and my business was almost non-existent for over a year while we were dealing with this epidemic. 

Her instructions were to XXXX the money to XXXX XXXXXXXX with XXXXXXXX XXXX XXXXXXXX and after about XXXX business days I should get the agreement from XXXX XXXX. After getting the agreement all I needed to do was sign, notarize it and send it back and the matter would be done. I let one full week go by and started feeling uneasy when nothing came. I finally reached out to XXXX 's number on XX/XX/XXXX and got no response. I called XXXX 's main #, spoke to a representative when they informed me that other people had been scammed the same as me and they had filed a police report on the incidents. 

I then proceeded to call Wells Fargo 's fraud departement, who I bank with, to report the fraud and place my own report. The customer service rep with the Fraud Department gave me her condolences and said that I was not the first person to report this scam to them. My complaint is that they knew about this scam and are not reimbursing me my {$1000.00} because I sent it through XXXX. This is a ridiculous excuse since my money is supposed to be protected. I had every reason to believe that I was dealing with a legitimate representative of a company that I had been in contract with for over 2 years. I need the {$1000.00} that was taken from me and am asking for your assistance to get it back. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2019-03-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

In the summer of XX/XX/XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time Experian is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

National Credit Systems [ XXXX XXXX XXXX, XXXX, XXXX  XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear National Credit System, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that National Credit Systems has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of XXXX XXXX  state law. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, National Credit Systems promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect National Credit Systems to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for National Credit Systems , as provided under Section 616 of the FCRA.

Done in good faith.
Consumer complaint received 2020-12-12
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. (OH)

I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Loan Management Services is the lender. I have a fixed BK XXXX Federal Court Ordered payment, Case # XXXX with a rate of 5 %, 25 year, PB {$100000.00} onXX/XX/XXXX. I have been paying P & I of {$500.00} since the Federal Court Order for the 5 years, and 2 years after the discharge my P & I of {$500.00} to continue thru 25 years until paid per the Court Order. Rushmore increased my payment of to {$800.00} to include real estate taxes afterXX/XX/XXXX, and then told me inXX/XX/XXXX my P & I was increasing up to {$590.00} telling me it was amortized incorrectly, I let them know they could not do that, they agreed to look into it and then I would continually get letters telling me I was in default, but when I called they said just ignore, they can't stop the letters, they are looking into it. I called my BK Attorney XXXX XXXX, she said I am not allowed to pay a payment other than the Federal court ordered amount, except for real estate tax escrow, if increases ; she said the lender can not change Court Ordered P & I of {$500.00}, they had 5 years during the plan, and before the discharge, and have accepted the Court Ordered payment another 2 years after. My annual Real Estate taxes for XXXX is approx {$3800.00} /12 months should be XXXX and tax increase is more than it should be at {$410.00}, raising my total payment to {$1000.00}. Rushmore is sending me threatening letters now telling me I am in default after they told me they are trying to resolve the mix up, but tonight I received another letter telling me I am in default of my mortgage. 
P & I should be {$500.00} and real estate tax portion should be {$310.00} for a total of {$840.00}. I agreed to their increase up to {$890.00} and have been paying that amount assuming the difference was for the tax increase, but they said the difference is in the P & I, but they also increased my real estate taxes way over my XXXX real estate tax bill. ( copy  enclosed )
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX   saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXXand it is becoming more comical by the day and someone at XXXX should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, Experian and XXXX  should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let XXXX type in ANYTHING they want without any documentation or reason. Please investigate XXXX XXXX XXXX for FRAUD..
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I contacted Nelnet In XXXX regarding my past due account. I communicated with the representative that I was homeless and without a job. That I am currently looking for a job but without residence it is harder. Representative assured me that the request for deferment was submitted and my paperwork was due by XX/XX/2019. 

I submitted my information and it was accepted and on the Nlnet website was updated to a due amount of {$0.00}. 
However on XX/XX/2019, my credit score dropped as a report of past due on my account was reported. I waited for the information to update and submitted a dispute on XXXX XXXX. XX/XX/XXXX another late payment was added to my account dropping my score 40 more points. 


I submitted an email on the Nelnet website asking them to please update their files as their inaccuracies are limiting my ability to find residence. 

I have yet to receive a response.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

My wife and I have checking accounts with Citibank. The accounts are in the name of our living trust, for which my wife and I are trustees.

Citibank has requested much personal information and told us our accounts will be blocked if we don't provide the information. The bank said that the Dodd Frank Act and the Patriot Act require the information, but did not refer us to any particular part of the Acts.

The information requested is : Please provide name and address of creator of the trust? ( Attorneys information ) Purpose of the trust? ( Most of the time in CA this is asset protection and to avoid probate ) Please provide net worth of the trust? ( excluding property, so just monetary amounts ) Please provide date of trust formation?

Please provide your address?

Please provide the trust agreement/certification : ( If you dont have the trust agreement/certification you can provide the first couple pages of the trust and signatory pages would work ) Please provide for all trustees employement information : Employer Name : Employer Address Employer Phone Occupation : Employment Start Year : Annual Compensation : Net Worth for each Trustee : Does federal law require banks to collect all this information?
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Specialized Loan Servicing Holdings LLC (VA)

i took out a loan against my house with XXXX and it was closed on XXXX XXXX and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to XXXX