davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

Its been about 3-5 years ago someone stole my purse and use my ID, SSC and I had to file for identity theft. So now I have a code behind my driving license / SSCard so no one can use it but me. Navy Federal Credit Union blame me for opening up an account that I didnt open, I have sent them police report and information stating that it wasnt me but they still want me to pay for something I didnt do. 

Say Ive spoken to them on numerous occasions in the past 3 years but theyve refused to thoroughly investigate
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (NC)

I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XXXX, but they have not.
Consumer complaint received 2018-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX XXXX XXXX  - XXXX has transfferred my mortgage too : Select Portfolio Servicing. I am receiving mortgage default phone calls from Select Portofilio advising they are collectiong on a debt for a default mortgage. I received 3 phone calls  on XX/XX/2018 from Select Portfolio Servicing demaning mortgage payments that are delinquent and the respective late payment charges & interst amounting too {$15000.00} plus 2 past due mortgage payments in the amounts of {$1300.00} & {$1300.00}. 

I am not in default of my mortgage payments ; I am not behind in my payemnts. Why is a debt collections agency calling and sending me written mortgage default requests for payment
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (AZ)

My wife and I recently opened a joint checking account at Ally Bank and we've both had fraudulent charges on our debit cards ( with different account numbers ) that we've only used for ATM transactions, and we've now also had fraudulent charges on the replacement debit cards that were sent. Ally claims these charges are due to a Mastercard cybersecurity breach that occurred approximately one year ago, but their claim makes no sense as our accounts and debit cards are recent. 

There are numerous recent reports across social media of fraudulent charges on Ally customer debit cards. See, XXXX XXXX XXXX XXXXAllyBank/. I hereby request that the CFPB investigate this matter to determine whether Ally 's cybersecurity is at fault, and, if so, direct Ally to remedy the situation as soon as possible.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act MXXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Per the Fair Credit Reporting Agency as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. Per the Privacy Act of 1974 no agency shall disclose any record which is contained in a system of records by any means of communication to any person, other than to another agency, except pursuant to a written request, by or with the prior written consent of, the individual to whom the record pertains 5 USC 552 a ( b ). According to 15 USC Code 1681b Permissible purposes of consumer reports they need written consent to add anything to your consumer report this is a violation of the Fair Credit Reporting Act. 15 USC code 1681a reporting transaction history is illegal. 12 CFR 1016.1 Purpose and scope provides a method for consumers to prevent financial institutions from disclosing information to affiliated third parties by opting out of that disclosure. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of customers non public information. XXXX, Experian, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out of your reporting services. I am not opting out of your reporting services.
Consumer complaint received 2022-03-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (CA)

In XX/XX/XXXX there was an account opened at speedy Cash in XXXX XXXX which to my knowledge I was unaware of it. Because at that time I was in federal law-enforcement training centers for my XXXX XXXX XXXX XXXX. Throughout the past years up until present day I have made several times to contact speedy cash and let them know that Im not responsible for the debt collection of {$300.00} because I never was there to take it out so I claim no responsibility. I have made several attempts with credit bureaus like XXXX XXXX XXXX and XXXX to dispute the collection and nothing has happened yet there was no action taken by the credit bureaus except just a statement that was added. I am reaching out as of today XX/XX/XXXX to close this collection because I believe this is fraud.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (TX)

I was working in XXXX XXXX and planned to retire on XX/XX/2020. I booked two XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges are not refunded after many phone calls and faxes to Chase credit Dispute XXXX XXXX, fax XXXX XXXX XXXX ). 

After the previously booked flights were canceled, we were anxious and desperately searching flights to go home. We noticed XXXX was accepting international flights. I booked two  XXXX business tickets from XXXX to XXXX via XXXX for XX/XX/2020, the amount of 2x {$3800.00} was charged to my Chase visa card on XX/XX/2020. The flights were canceled by the operators and the charges were fully refunded on XX/XX/2020. 

We finally booked two seats on one of US State Department arranged repatriation flights and arrived in XXXX on XX/XX/2020. 

After many calls to the Chase Dispute XXXX XXXX XXXX and faxes ( XXXX XXXX XXXX ), I am still denied to refund the XXXX to XXXX trip for 2x {$3800.00}. Please help! 

Best regards, XXXX XXXX XX/XX/2020
Consumer complaint received 2018-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans (SC)

The RSVP I took this out on or about XX/XX/2018 in the amount of {$3000.00}. Before my hardship, I paid your firm faithfully {$230.00} bi-weekly. I called to see if they could help me before I defaulted on my loan. NO remedy besides you can make partial payment but then you have to pay the upcoming installment payment. I can no longer make that payment. I tried negotiating a payment plan, but their offer was unreasonable. They told me that they couldn't apply the payments I made to date to my balance and their payment plan was you have to pay initial payment of {$230.00} and then the remaining balance in 2 weeks. Also the rep stated she could see if they could extended until 30 days. I told her I'm unable to pay that. The amount principle that was applied each time to my loan was approximately 18.00.
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (NY)

TO WHOM IT MAY CONCERN, XX/XX/XXXX have contacted me numerous times I do not know who this company is I never signed anything with this company telling me they are operating on behalf ofXX/XX/XXXX nor do I know who XX/XX/XXXXXX/XX/XXXX Im constantly being harassed by this company. 
PURSUANT TO 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is " the term '' credit card '' means and card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This should be removed from My consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ) AND 15 USC 1681a ( 2 ) ( i ).
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

You guys have stated in the Letter from XX/XX/XXXX : " we believe the majority of their concerns were already addressed in our response to their previous inquiry ''. Which is not true. You guys never addressed the comment stated on my credit report, as to why if I qualify for FCRA the collection as a comment my credit report is still showing this account, and why this collection is still there. I am attaching the letter. 

Another thing, the last payment was made on XX/XX/XXXX meaning you legally have 3 more months to try to get this amount and then after that remove it, according to the state of limitation for collection agencies in FL. 3rd thing I am attaching is the last statements that XXXX XXXX provided via mail back in XXXX. I remember I requested a Credit Card and XXXX XXXX charged {$25.00} one time, and then charged that same amount {$25.00} the same month twice, then got the annual fee again from the previous month, with an increased amount without notice on a XXXX period. I got a credit protection fee I was paying and offered by XXXX XXXX which is stated there on my statement very clearly. So talking about XXXX XXXX, even tho I made that payment ; the next month I was charged a late fee, increasing 2 times the transactions, and raising the fees with me having a credit protection program that they offered over the phone ; in case of missed payments and not having the ability to pay the card. 

The last thing, my lawyer sent you guys is a desist letter, which according to the FCRA meets the requirements, and I am waiting for the response to my lawyer 's letter with a copy to myself from LVNV. Also, I got a notification from the Office of the Comptroller of the Currency to escalate this ; which is going to involve LVNV and XXXX XXXXXXXX. So if LVNV is going to cover XXXX XXXXXXXX on their fraudulent practices, which the statements are attached, and other proof that I am facilitating everything to the CFPB, OCC, and XXXXXXXX XXXX  attorney. If LVNV is going to continue this journey, LVNV is going to be included in this lawsuit for collaboration in fraud, deceiving, and lying practices as an accomplice with XXXX XXXX. 

Credit Protection, is in my statement from XXXX XXXX, meaning credit protection for the customer. So with this said, Good Luck in court and the Federal Agencies on this matter ; cause this is going to stop very soon.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX. ( {$7400.00} ), 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 2022-07-24
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. (TX)

I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called Equifax, XXXX and XXXX and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 Showing as an open account in violation of fair credit reporting act
Consumer complaint received 2018-05-23
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. (MI)

The following are hard inquiries made without my consent nor have a I applied for credit with these companies : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Went to XXXX XXXX for help with XXXX  issue XX/XX/XXXX. He could not help me, was affiliated with my employer and indicated there was no charge. I resigned from my employer XX/XX/XXXX and was notified I was being charged for an office visit in XX/XX/XXXX. I provided health insurance information at that time and asked that they file a claim with the insurance. The account was sent to Southwest Recovery Services for collection and I again provided my insurance information. 

It appears that the claim was never filed with my health insurance and they are now filing claims against me for the full amount. Southwest Recovery has placed a collection status on my credit report and lowered my credit score.

The doctor 's office nor Southwest recovery did their job to collect from my insurance
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack. 

delete and remove, do not sell, transfer, repost or re-report.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried filing disputes concerning personal information listed on my XXXX, XXXX and Transunion credit report. They are not taking care of the issue, I have sent in my id issue by the state, a copy of my ss card and a piece of mail, they still have not make the correct updates. I have mailed in certified letter in regards to inquiry that are still on my credit report that has not been removed. I have no other choice but to seek your assist. The information that they are reporting is incorrect and they refuse to make the correction sent certified mail to XXXX, Transunion and XXXX on XX/XX/2017 for personal information and inquiry correction. which included copy of my id, current address, and ss number. 
Sent a copy of all inquiries that did not belong to me. Not one was removed. And they are not mine. 
My name is incorrect on all three and I have provided them the correct information My address is incorrect and I have provided all 3 credit reporting agency the correct information The inquiry listed are still incorrect I have sent letter disputing they have not taken care of this issue
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting Act 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

They are insisting that I am delinquent on 2019 taxes, I have sent them proof three times, XXXX county has sent them proof twice and they still are saying that they were never paid and now they're penalizing me an extra {$50.00} a month. They said they sent the check to XXXX county, XXXX county says they sent the check back because it was an overpayment, and the mortgage company is still insisting they never got the refund and the taxes still aren't paid