davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less  then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is a charged off credit card account from Bank of America reporting on my credit report. I did not authorize this account and notified Bank of America on numerous occasions about this fraudulent account. I was instructed to go inside a local Bank of America branch with 2 forms of identification to resolve the matter. On XX/XX/2021 I went to a local Bank of America branch office and spoke with the Assistant Branch manager about the fraudulent credit card account. She took my 2 forms of identification and asked me several questions pertaining to current contact info such as email address, phone number, and other personal identifiers. After verifying my identification and cross referencing it with the information that was used to open the credit card it was clearly determined this account was fraudulent. She made notations of this account being fraudulent into the system and assured me that this account will no longer continue to report to the credit bureaus and that I should receive a letter in the mail from Bank of America stating this account has been closed due to fraud. As of XX/XX/2021, I have yet to receive any correspondence from Bank of America stating this account was determined to be fraudulent. More importantly, on XX/XX/2021 the credit bureau XXXX completed a dispute investigation that I issued in reference to the fraudulent credit card account being reported Bank of America stating the account was verified by Bank of America as belonging to me. Since receiving this information from XXXX I have made numerous attempts to speak to someone at Bank of America concerning this fraudulent credit card account. Unfortunately it is evident that Bank of America has changed the personal account information in their system. The original address and telephone number used to open the account was not mine thus the reason I was instructed to go inside a local branch with 2  forms of identification. It is frustrating and very disturbing that Bank of America has simply updated the account with my address and telephone number so now when I call to dispute this account the representatives say the information on the account matches so no dispute or investigation can be made. 
This illegal and unethical practice has negatively impacted my credit and causing unnecessary stress and financial hardship. I would like an investigation into the unethical practices used by Bank of America concerning this fraudulent account. I also seek immediate removal of this fraudulent account from the credit Bureaus. 

Thank you for your assistance and attention concerning this matter.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I talked with personal loan rep at Frost Bank and completed application by phone. I have excellent credit and they called back claiming they were unable to open my XXXX XXXX file. I contacted XXXX XXXX and they claimed there was nothing wrong with my account and no freeze was placed on. I called Frost Bank back and they have not provide reason for denying my loan request. I requested to speak manger but have not heard back from them and they have not given a reason for denial other then claiming they was unable to open XXXX XXXX.
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AK)

the credit bureaus credit won't let me dispute online or over the phone the following accounts are not mine account name XXXX {$2000.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Account number XXXX
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During the pandemic I applied for mortgage deferment. I was approved. During my forbearance period, I made payments. Since I have brought my account current, and lender continues to report late in my credit report.
Consumer complaint received 2018-11-17
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: Experian Information Solutions Inc. (GA)

This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, Experian and XXXX never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NC)

In the beginning of XX/XX/2021 I contacted XXXX about my rising phone bill. It was discovered that they enrolled me in digital protection without my knowledge. This added XXXX a moth for over 12 months. I asked for a refund of the fraudulent charges. I decided to change carriers because of my negative experience with XXXX. At the end of XXXX my bill was paid in full and I changed carriers. My XXXX bill was not due until XXXX 2021.
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2020 I submitted a Dispute with XXXX, XXXX, and Experian. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Consumer complaint received 2020-12-10
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX  that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my Experian and XXXX   reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (AZ)

In XXXX and XX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway.
Consumer complaint received 2022-06-10
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 inquiries 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (AL)

First, I have no idea who this company is. I have never heard of them. I have never received any documents from them. I disputed this account on my credit report requesting documents for validation and verification. I did not receive ANY documents or any information from this company validating this debt or verifying any of the reporting information. Yet, the company verified the account as accurate with XXXX. However, the information being reported to XXXX  has violations according to the Fair Credit Reporting Act. 1. There is no payment history being reported. 2.The open date is reporting as XX/XX/XXXX, but 3. The date of first delinquency is reporting as XX/XX/XXXX. So how can the date of first delinquency be before the account open date??? This is impossible and obviously incorrect. 4. The company has not provided the original contract with my signature that proves I owe this after this information was requested. 5. The company has not provided an agreement between its company and the original creditor that proves that this company is legally able to collect this debt 6. The company has not provided documentation that proves that is is legally registered and licensed in my state of Alabama to collect this debt.
Consumer complaint received 2022-06-10
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 Transunion. 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 inquiries 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (IN)

XXXX XXXXSynchrony Bank/Value City has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation (AR)

HI, An unknown personal loan was added to my credit report which was never taken by me and opened fraudulently. The company Regional Finance which claimed that I have taken the loan hasn't helped in fixing in the issue but was rather more focused on collecting the debt amount of {$1500.00} which I have not taken and the interest has been charged every month. This has greatly affected my credit score and shows at charged off on one of my credit score.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.DEPT OF XXXX XXXX Amount : XXXX 2.DEPT OF XXXX XXXX Amount : {$5600.00} 3.DEPT OF XXXX XXXX Amount : {$1600.00} XXXX OF XXXX XXXX Amount : {$2300.00} The above accounts reporting on Transition is reflecting a completely different account number on XXXX and XXXX : XXXX PER the FCRA XXXX this is inaccurate reporting and needs to be removed. Why is XXXX stating a different account number? 

After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards,
Consumer complaint received 2018-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number. 
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats. 
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit. 
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS. 
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!