davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

The first discrepancy as of XX/XX/XXXX, my XXXX  and XXXX  report that my High Limit is {$17000.00}. My XXXX  reports my High Limit as {$13000.00} how can I have two different original owed amounts on a car? The second discrepancy is that XXXX  says my account was opened on XX/XX/XXXX, and XXXX  and XXXX  says my account was opened on XX/XX/XXXX, again how is this possible for two different account open dates. The third discrepancy is that XXXX has no report data for the last two years of my credit report, XXXX has 33 charge offs, and XXXX  says that I've made payments on time which is a false statement on their part if that is so they either need to show proof but I know they can't because I never paid anything or they need to delete this account off my report for false verification
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

Discover card demanded that I give them permission to demand my tax returns from IRS, I refused they closed my card, send me letter today XX/XX/19, kept my rewards almost {$150000.00} + miles. I was never late with my payments. Spoke with mngr XXXX from OH yesterday he trolled me for 2 hours with all sorts of nonsense, refused to release my rewards and stated card was closed on XX/XX/19 because I did not release access to my taxes from IRS. 
Also my rewards are voided because I did not call and ask to redeem. Then he listened to my call from XX/XX/19 when I asked to redeem my rewards but said that I did not ask properly. I was never late with my payments and had card for over a year. Discover is acting like a true troll and scammer.
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (WI)

According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

- XXXX of XXXX : I received an email saying that Discover Bank decided to freeze my account and close it for a business decision. I made many calls that day trying to figure out why they did it and couldn't get an answer from their agents or supervisors regarding reason of closure. 
- XXXX of XXXX : I made a complaint with CFPB. 
- XXXX of XXXX : Discover Bank replied to my complaint saying the same thing, and that they will send me my funds as a check after 60 days. 
- XXXX of XXXX : I called Discover Bank to ask about my check, the agent literally told me the account is not closed yet and that it is still pending closure. 
- XXXX of XXXX : I posted this issue on a public forum and people advised me to take it to the FDIC and contact CFPB which I'm doing right now.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this LVNV FUNDING was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2019-11-12
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: Fidelity National Information Services, Inc. (FNIS) (AR)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas, XXXX Chex Systems, Inc ATTN : Consumer Relations XXXX XXXX XXXX, XXXX  XXXX XXXX, MN XXXX Www.chexsystems.com XXXX To Chexsystems   Dispute Department, I recently received my report and discovered that you are reporting " Unknown Accounts ''. 

As a result of my findings. 

Please Send Me In Full Arrangement ie : " The Agreement and/or Contract with my signature on it that says that this debt is mine or Delete It Immediately. For the following Accounts below : XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX CASE LAW : Peterson Vs Experian. Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that ChexSystems just can't use the E-Oscar System because its not considered reasonable. ChexSystems can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ).

And send me another credit report.

Thanks!
Consumer complaint received 2022-07-25
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. (AL)

I sent a letter to XXXX XXXX XXXX asking for a copy of the ORIGINAL Contract with all parties involved signatures and gave them 14 days to do so. If they were not able to provide me with the contract, I requested that they cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly requested deletion of any and all prior reporting that was made to all consumer reporting agencies/credit bureaus along with a copy of the letter sent to the reporting bureaus. XXXX XXXX XXXX refused to do so. Instead, they sold the account to XXXX XXXX XXXX. I will be sending the same letter to XXXX XXXX XXXX. I DO NOT have a contract with XXXX XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX.
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2023-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I am currently under COVID forbearance. I was given 18 months but now I am being told that no and it ends at the end of XXXX. I was also told by XXXX XXXX XXXX that I would be able to defer my mortgage and if I am still under hardship they can lower my monthly mortgage. 

I have a relative who went through the same process and they were able to do exactly what XXXX offered me except they use another mortgage company. My relative paid {$1200.00} and was able to reduce to {$900.00} 's. 

I am now under Shellpoint Mortgage as it was sold to them. I was also told that XXXX is under NewRez in which Shellpoint is also under NewRez and they can not understand why that happened. I am being told I can either defer or modify. But the modification is only less {$50.00}. My single case agreement XXXX I am assigned to in the office doesn't seem to care to help. My conventional loan is issued by XXXX XXXX. I underwent through hardship due to COVID and then hurricane did affect my husbands job. He was currently let go due to layoff and wasn't rehired. So, its been a struggle back and forth. I do not want to lose my home and would like to have something worked out. I do understand that the forbearance may not be honored anymore in which I would like my forbearance amount to be deferred and if possible based on some articles I read my term to be extended to lower my monthly payments to help me stay in my home. 

I understand that they can do that and also reduce interest rate and/or principal along with the term extension to help out.
Consumer complaint received 2023-02-10
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. (GA)

On XX/XX/2022 I mailed out letters to all 3 credit bureaus that prompted them to respond within 30 days. Inside the letter was proof that there is incorrect information being reported on my profile and a request to have deleted if not validated within the legal time limit. 

On XX/XX/2022, I mailed out letters to all 3 bureaus stating that I did not receive a response and again to remove the error and incorrect information being reported. 

This is BEYOND the time frame allowed for them to respond, this is devastating to my credit profile and is preventing me from purchases.
Consumer complaint received 2023-03-26
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. (AL)

I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I had tried to payoff my loan before it transferred to a new servicer. The total balance was approximately $ XXXX. My Banking online will only issue amounts for up to $ 100K, so I sent 2 payments totaling the the payoff amount. My bank sent the $ XXXX by EFT but sent the $ XXXX payment by check instead. This made the payment take an extra week and was received on XX/XX/XXXX, the date of the transition. The previous bank endorsed the check to the new service provider and requested that it be credited for us. Instead the new service provider returned the check to me, saying that I needed to pay an increased amount of about {$400.00} to payoff the loan. This is a ripoff! 
I can see paying the extra couple of days interest, but by returning my check to me they have increased my costs by hundreds of dollars and made it impossible to pay it off by the date quoted. I can't issue a new payment until my bank can confirm that the check wasn't cashed. This will take weeks. Who has an extra $ XXXX lying around to make a double payment? This results in my being charged interest on the full amount until this mess is cleared up, probably 4-6 weeks. If they had kept the check and credited us with that amount, I could have issued them a 2nd check immediately to pay them in full and minimizing the extra charges. 
They had constructive payment on my account XX/XX/XXXX, but refused the payment costing us an extra 4-6 weeks of unnecessary interest.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I have been paying my mortgage always on time. Due to the Covid-19 I would like to refinance e see my options. I still am current with my mortgage. I have called during the past 1.1/2 months about 50 times. They answer and put me on hold. They answer and get my number and say that somebody will call me back, never do. 
I CAN NOT UNDERSTAND HOW COMPANIES LIKE THIS ARE IN BUSINESS. 
This is extreme and can drive anybody crazy. 
First I am going to try something legal, so I hope you can help, or else this is going to get very serious.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021, I was looking through my banking account and saw that two unauthorized transactions had occurred. Both transactions were conducted on XXXX  in the amounts of {$330.00} and {$390.00} and were recorded on XX/XX/2021. I immediately reached out to the Bank of America fraud department to dispute the claims. The charges were credited back to my account as they initiated an investigation. On XX/XX/2021, I received a letter from Bank of America and they denied my claim in total, yet I only received a breakdown of the {$330.00} and not the {$390.00} charge. Their reasoning was that XXXX XXXX provided documentation that proved the transaction was valid. The documentation provided was a online order using my name, address, and phone number but listed a email address that is not mine. It appears that someone gained access to my account and made unauthorized purchases and then picked them up at a XXXX XXXX. I called Bank of America again to dispute these charges and was told that they appear valid. I also made a complaint about only receiving partial documentation from them. Someone used my identity and money to make these purchases. I was told I need to mail in a signed statement to reopen the claim but they will take the money they originally credited me back. So now I have to wait on a physical letter to be mailed to them. This is ridiculous and unfair to me. I have been with this bank for 15 years and will be looking to take my banking elsewhere when this is over. 

I have filed a police report with the XXXX XXXX Sheriff 's Department on this matter and the report number is : XXXX.
Consumer complaint received 2022-12-01
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. (FL)

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, XXXX and TransUnion. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Consumer complaint received 2021-07-21
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. (TX)

I have expressed my concern with misleading information being report to consumers. A few months ago Transunion was continuing to report an item that was requested to be deleted from my credit report at the request of a creditor. The company mailed to me copies of the requested deletion. 
Transunion report credit scores XXXX points below other companies. 
Transunion is presently reporting and item that show no available information. Transunion report is reporting a debt of XXXX. That was in the center of the Pandemic when everything was closed and no business was being conducted in my area. I believe the federal government stop any items from being reported during that time frame. 
Another item listed has a XXXX balance Transunion is being reported it as a debt. There was any item of a credit card debt. The credit card was had not been used. My bank contacted Transunion at least twice to request for those items to be deleted. 
I am unsure why there are always so many errors reported through Transunion.