davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am XXXX XXXX, consumer, natural person, and original creditor of an open-end-credit plan, was denied my right of credit by Navy federal Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Navy Federal Bank via mail and by email. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Navy Federal Bank 's adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Navy Federal Bank is now civilly liable to pay me for the damages.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

my student loan is more than XXXX XXXX XXXX and Im attempting to purchase a home and this loan is reporting making my debt to income ratio high.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I submitted for a mortgage refinance and my last mortgage payment with the previous lender ( 53 bank ) was delayed. On XX/XX/XXXX the payment went on but I didn't no so I processed a second payment that went on XX/XX/XXXX. 

My old loan closed for the amount of {$380000.00}. The extra payment that I did on XX/XX/XXXX included an interest amount of {$1100.00}. That interest amount was extra as they've already charged me {$1100.00} interest on the payment from XX/XX/XXXX. 

They've calculated my escrow refund at {$4000.00}, which included the escrow from XX/XX/XXXX and XXXX payment, but not the extra interest fro, XX/XX/XXXX. 

I tried contacting 53 bank numerous times and they argued over the phone with me saying that no, everything is correct on their side and nothing is wrong with my loan payoff, when in fact I paid them {$1100.00} extra in interest. Please see attached all the documents supporting my view. 

My loan closed in XXXX, which means I should have been charged 9 months of interest for 2019 ( 9 months x {$1100.00} = ~ {$10000.00} ) but I actually paid them {$11000.00} in interest for 2019
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc. (GA)

I purchased furniture from a store in XXXX. Upon believing that I was paying off my loan in the advertised six month period I found out it was actually a three month span. I was mislead by the loan company and not able to see my contract until it was later emailed to me after the purchase. I did not realize the terms and owe {$2200.00}. Twice the value of my merchandise. I payed all payments on time. The payment was structured and advertised to pay XXXX every two weeks. At this rate the full principle would have been paid at the advertised six months. However the hidden 101 day period was not made clear to me or explained until after the purchase in the emailed contract. Protection of the furniture was declined as I had renters insurance. However it was still charged and the document was sent to me showing that I had accepted the protection payments as well
Consumer complaint received 2019-10-18
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. (FL)

My name and date of birth is reporting incorrectly on my credit reports XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple addresses that is incorrect is reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WV)

XXXX XXXX XXXX XXXX listed a debt of {$680.00} on my credit report, saying the account was opened on XX/XX/2019. I have not been in the hospital in years and even if so, I have insurance that covers 100 %. This debt is not mine and this company needs to remove this IMMEDIATELY. This happens all too often with this company. They also sent NO correspondance regarding this fraudulent debt, another violation of the FDCRA. I knew nothing of the mistake to even dispute it before they just popped it on my credit report.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

XX/XX/2019, attempted to online ACH transfer {$50000.00} from my Ally Interest Checking account to my XXXX XXXX ( have done this in the past without issue ) ; was unable to and called into their Customer Care ( XXXX ) ; Customer Care told me it would take 1-2 business days to resolve. Provided case number XXXX for tracking. 

XX/XX/2019, called into Ally to check on progress of case number ; was told they had never seen this issue before and asked me to confirm I wanted to ACH transfer to my XXXX account they had on file ( I confirmed ). They offered a wire transfer, but I requested the ACH transfer be fixed instead as I did not want to go through a wire each time. 

XX/XX/2019, called into Ally to check on progress, was transferred to their " Back Office '' which handles fraud. Back Office informed me there was no hold on my account that would indicate any issue and that they could not help me. Transferred me back to Customer Care and ask for a supervisor. Supervisor also confirmed they had never seen this issue before and that it would take another 3-5 business days to fix. This is unacceptable to me so I requested a wire transfer from my Ally Interest Checking account to my XXXX XXXX account. Issue is still unresolved.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (AR)

I sent a letter on XXXX to Mid-South Adjustments specifically asking for verifiable proof ( an original contract with my signature on it ) They were unable to provide it but I was sent a letter asking for me to send in my Drivers License so they can match the signature. I called Mid- South and talked to Mrs XXXX on XXXX. I asked Mrs XXXX if she could send me the the contract with my signature on it and she told me no that they are unable to send the original contract but insisted that I needed to send my drivers License instead. How is it that Im supposedly to be the one that owe the debt but being told basically send my Drivers License so they can match the signature. Mid-South is unable to validate the account. Why must I send in additional information? When they are the ones reporting it. I also have in an attachment the letter they sent me saying to send my Drivers License. If they want me to move that I'm me. my question is how can you say someone owe debt if thats the case. Mid -South should be able to validate without my assistants. Please validate with ORIGINAL CONTRACT with MY SIGNATURE. Also attached is my Original Letter as well asking for validation that I sent MId South.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I contacted the company rep in XXXX of XXXX.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.
Consumer complaint received 2019-10-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (HI)

I applied for a Business XXXX XXXX American Express Card in XX/XX/XXXX after I received a promotional application in the mail, stating that I would receive XXXX points after spending {$5000.00} in 3 months. I sent the application in the mail and received the card in approximately 10 days. I started using the card for all of my business expenses and accumulated approximately {$6000.00} in 3 months. After two months later, I had not received the promotional points. I called and was told that because I had previously opened American Express cards I was not eligible. The two cards opened had been closed for over two years ( XXXX, XXXX ) They also said there was a disclosure in the application but it is very vague stating you might not qualify for the promotional. I received no email or letter regarding the fact they were sending me a card but were not going to give me the promotional points. I have some airline cards that I would have preferred to use but changed over to XXXX due to the " promised '' promotional. I just called them today after another issue came up due to the fact I had been charged for trailing interest fees for three months after I had opened the card. I had immediately signed up for auto payment and assumed my bill was being paid. But unknown to me, it doesn't kick it for a month or so. So when I realized my bill was overdue, I immediately called, paid on the phone and received credit for the late fee. But even though my bill was paid on time in the next two months they were charging a trailing interest fee which I had not noticed since somehow I was on paperless billing. When I did notice it, I called but at first the representative told me that was nothing they could do about it. I pressed her to speak to a supervisor who after my insistence, gave me a credit for the trailing interest charges. At this point I also questioned her about my promotional points and was given a lame excuse that the application said you might not qualify. I asked her why I wasn't told that when I received the card and she said if you had applied on line you would have received an email stating you didn't qualify? Well I did not receive an email or letter. I also wrote American Express customer care, XXXX. XXXX XXXX, XXXX XXXX Texas XXXX about the situation. That was over two months ago and I have not received any response. The representative today said they don't usually respond to the customer???? I feel that if I didn't quality ( and the reasons seem very vague ) I should have been notified when I received the credit card. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX -- XXXX
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE ACCOUNTS DISPUTED ARE NOT TRANSACTIONS MADE BY ME. THESE INACCURATELY PLACED ACCOUNTS NEED TO BE REMOVED OFF MY ACCOUNT FOR THEY HAVE CAUSED HARM TO MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My Citi bank credit cards were locked after I made a large purchase. When I called customer service they said to wait for a letter 7-10 days. That's when I was notified all my credit cards were now permanently closed down. When I logged into my account, my XXXX ThankYou points were removed and forfeited, valued at {$2300.00}. They told me this can not be reversed. I also just paid a {$95.00} annual fee 1 week prior. I tried to resolve on phone. They keep transferring me to different department and ultimately the line is so muffled from multiple transfers nothing is resolved.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent Equifax my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I think you in advance for your assistance.
Consumer complaint received 2021-04-15
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. (SC)

There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valley Collection Service, LLC (FL)

I received a notice from a debt collection agency regarding a parking ticket I had from XX/XX/year> that was unpaid by XXXX XXXX. I never received a parking ticket nor was I in XXXX XXXX on XX/XX/year> as the notice states. I live in XXXX and work in XXXX XXXX fl which is where I was on the day of this supposed parking ticket
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the XXXX period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is
Consumer complaint received 2019-08-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (NV)

AD ASTRA RECOVERY SE ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (KS)

It was unfair the way this debt collection was carried out by XXXX and their collector company. First of all, I was enrolled in auto pay for my internet service with XXXX. That means that I did ALL my payments ON TIME while using their service. I kindly called XXXX and let them know in advance that I would no longer need their service because Id be moving out of state where, unfortunately, they dont have service coverage. They couldve charged that amount to the credit card that I had on file with them and/or could have send me an email or call me to remind me about that bill that I wouldve taken care of immediately as I did with all my previous payments. I tried to find out what had happened and called XXXX directly as soon as I received the alert on my credit report. They told me they couldnt remove that bill from the agency, even though I called the same day I received the alert and when they knew of my good payment history. They told me they didnt have my account details, nor my credit card information. So I went ahead, called the agency and paid the amount right away. I was told the report would be removed from my credit score in 3 months if I could pay the amount that day, which was always my intention since Im VERY responsible with my payments. To make it more upsetting, Ive been getting monthly bills -without outstanding balance- from XXXX  in the mail after I paid that amount to Credit Management , LP. Why would they then have my information after this but not one or two months after cancelling their service? They shouldve attempted to call or send me an email ; but they never did. Now Im left with a terrible credit score for their incompetence when Ive been paying all my bills, and this was all for the ridiculous amount of {$140.00}. They can and should do better to make their costumer feel valuable.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.
Consumer complaint received 2021-11-16
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. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX0 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-12-03
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: ALLY FINANCIAL INC. (GA)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer reporting agent can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

Every 30 days starting in XXXX of 2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to XXXX, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / NELNET, Amount - over $ 83K. The credit bureaus and the company NELNET which I sent out 5 letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment NELNET is saying I owe.
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Someone by the name of XXXX contacted my brother in regards to my mom and hung up on me twice and said that i was lying and that i was my mother. XXXX insulted my brother on the phone and told him that it was non of his business why he was calling him and other disrespectful threats. He was also very sarcastic while on the phone with me insinuating i was my mother. the company name is XXXX XXXX XXXX. the phone number is XXXX. They were only able to pull us up with my moms phone number XXXX so i dont know how they got my brothers number
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  are reporting an account on my credit report as a delinquent negative account. I settled the account in full and this account should completely be removed from my credit file or reflect " settled in full. The forementioned reporting agencies are reporting this debt as charged off debt when the debt has been settled in full.