davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello I have a very detailed attachment below, but I'll summarize it here. Basically, I applied for a credit limit increase and got denied by my credit card company, and that's violating my right by law. 
Navy Federal credit union denied my credit limit increase, I reached out to them multiple times and the representative stated it's their decision and etc, but did not acknowledge the part of being violating my consumer rights, so here we are. 
I attached their denial letter to this complaint. 
I also attached the letter I sent them as well below ; and sent it to the address below ; NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX, XXXX, VA XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX On XX/XX/2021 for a credit card application/increase, I applied for a Credit limit increase on my current Cash Reward Credit card with Navy Federal .

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002 Since the letter, Navy Federal sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX XXXXWithout prejudice, all-natural inalienable rights reserved.
Consumer complaint received 2018-08-14
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: Onity Group Inc. (IN)

My name is XXXX XXXX, I had an loan with a company name Ocwen Servicing Loan in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from Ocwen Servicing. At no time XXXX now XXXX XXXX   validated or send me a verifiable payment history with Ocwen servicing Loan. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XXXX17.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hello, I would like assistance with two debts that are being falsely reported by Portfolio Recovery Assoc. I believe these debts to be 8-10 years old. 

They purchased 2 debts of mine... one from XXXX XXXX and the other from XXXX. 
These two debts have both been re-aged to the date that they purchased the debt and not the original charge off date. I've made numerous requests to Portfolio Recovery Assoc. and the credit reporting agencies, to date this has not been resolved. 

I just disputed the debt again with XXXX. This time I asked some very specific questions and was shocked at the answers. 
I was told that the company does not have to show any proof of the debt. I was told they simply have to reply debt is correct, this is very frustrating. 

When I reach out to the original creditor they refer you to the debt collections company. So they make you run around in circles and nobody will give any supporting documentation as to the age of the debt. 

If I am incorrect I will do the right thing but not one company will step up or provide any documentation.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Checked my credit without my consent or knowledge. 4 times. They claim they did a soft pull then sent me denial letters. They have refused to correct this
Consumer complaint received 2022-02-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (OR)

To Whom This May Concern : I am not sure who or where to go so starting with you. This is regarding the NELNET law suit that was taking place. And I can not remember if I was sent a postcard or not to be part of this lawsuit as a victim. So I will tell you my story. Maybe you can help me to get to the right person to talk to not just a website which is what I am getting a road block. I DO have all the statements from NelNet who back in XXXX and someone can see the differences and big money increase on balance. I made student loans ( direct sub ) what started as a low amount around XXXX turned out to become XXXX. This all happened after NelNet hired a collection agency/head hunter who did find me and when this collection agency found me, I restarted to make payments in 2012 however, the collection agency was paid this extrodinary amount of the difference from XXXX to XXXX. Thank God I kept my statements to prove this and I still have it. I knew there was something wrong it did feel like a preditor who just made a " killing amount of money '' for locating me from Nelnet. And this amount ended up in my student loan account as an amount that I owed and still do. Of course, this became lots of interest on top of it or it was added on it for the past years not exactly sure. All I know is, that i was not a XXXX XXXX XXXX and if I was it was one class at night which I paid in cash to get my XXXX prerequisitions while working at day. And then I did go back to school full time in XXXX school in 2012. Can you please assist me to gather all the invoices that I have to prove my claim here?
Consumer complaint received 2019-09-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/19 I was approached by my property manager while coming home from work stating that a XXXX gentle told them that I made arrangements with their company to leave court papers with them, it was a court papers saying the debt collector was suing me for {$2500.00}. I never made any arrangements and was never notified of any court dates or papers.
Consumer complaint received 2019-09-07
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. (TN)

I have disputed the Bankruptcy with XXXX and Experian due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from XXXX and Experian several times.
Consumer complaint received 2022-02-16
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

On the XXXX of XX/XX/year> I had a disbursement from XXXX XXXX XXXX limited in the amount of XXXX XXXX Since then I had been trying desperately to access those funds and have the money transferred to my bank. From day one I had been trying and got nowhere it kept giving me errors and wouldn't even allow a standard bank transfer. Several days later they revealed they froze my account with no real reason or explanation as to why this occured and to submit my ID to verify it was my account. I had done so and several days later they emailed me saying my account was permanently deactivated with once again no explanation and refusal to release the money back to me saying they would keep the money for 180 days. I have tried everything and have contacted and contacted there support with no actual answers.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

My laptop was hacked last week and the hacker used my venmo to clear out my bank accounts. Venmo originally credited my money back when I disputed it so my bank didn't credit me, but now I've closed the account that was connected and it the money in a new amount and venmo is saying they won't unfreeze my account unless I reconnect the old account that no longer exists and give back my money they recovered from the hacker. No matter what I tell them they're running me in circles over email and have been for three days. I have screenshots of everything if needed. My mom is a XXXX  and even she doesn't understand what their problem is and why they want this money.
Consumer complaint received 2019-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (NY)

As of XX/XX/2019 my XXXX credit report shows that there was a collections add to my credit report on XX/XX/2019 by AmerAssist AR Solutions. This inaccurate collections has dropped my XXXX credit score by 78 points. I was not notified of this collections debt until I viewed it on my credit report XX/XX/2019. AmerAssist AR Solutions has inaccurately reported to XXXX credit bureau and presumably other credit bureau 's that I owe {$3600.00} in debt as of XX/XX/2019. 
AmerAssist AR Solutions needs to supply the information below so that I can be fully informed : What is the exact type of debt you believe I owe : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2022-02-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX 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 XXXX Credit Bureau, the date of the last letter was on XX/XX/XXXX, and still got nothing from them. That means TRANSUNION has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} - XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC has sent numerous collectors to my residence ( one banging on my front door viewed via my XXXX   doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I HAVE CONTACTED XXXX XXXX XXXX   SEVERAL TIME 'S AND EXPRESSED THAT I WAS A VICTIM OF ID THEFT AND I HAD FOLLOWED ALL THE GUIDE LINES SET FORWARD BY THE FCRA 623A, BUT MY VOICE AND LETTERS RING HOLLOW.THIS COMPANY IS VIOLATING ALL MY RIGHTS CONSUMER.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (CA)

In early XXXX I moved out of XXXX XXXX XXXX and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from Pro-collect stating that I did not pay the debt. 

I contested this debt with XXXX, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " XXXX XXXX XXXX Report. '' I challenged it with XXXX XXXX XXXX who said they will not remove it because Pro-Collect claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof XXXX XXXX XXXX does not remove incorrect or false information.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We started this process in 2009, we were offered a loan modification and we took it because it would make our payments cheaper through XXXX XXXX XXXX. We accepted the loan modification and made all trial mortgage payments as they requested. 
After making all of the mortgage trial payments, while we were waiting to get our agreement concerning the proposed modification they sent us a letter stating that we did not qualify for a loan modification. 
Every time we tried to speak to someone about our loan we had to wait for the XXXX and if by chance we did get to speak to anyone, the next time we were told to call there was a new person assigned to our account that knew absolutely nothing about our mortgage and if in fact we had submitted a new modification package it had to be reviewed. We have been offered stream line modifications in the past but following the advise of our attorney we did not accept them because they were such high payments. 
The hardship that we encountered has past and we are willing and want to make mortgage payments. 
The other issue is that they gave us a valuation of our home and it is {$370000.00}. and we owe a total of over {$750000.00}. We never knew the interest rate we were being charged we don't know if we have an adjustable rate mortgage????? 
We can make a good faith down payment as well as make regular payments. 
They sent us a statement with a XXXX Payment for {$3700.00} and then for XXXX the payment is {$4700.00}. It appears to adjust every three months. If we took the streamline modification would it adjust every three months? On the statement they have charges and other fees listed as {$6200.00}, then Charges/fees this period {$1800.00}? We are trying to make sense of all of this because we really want and need to save our home. We are asking for your help.Please.
Consumer complaint received 2022-07-27
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1100.00}
Consumer complaint received 2023-06-11
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. (TX)

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I deposited 2 checks on XX/XX/24 both deposits were accepted the. The very next day I received an email that my account was restricted. I called the number literally for 2 weeks and chase said that the number thats printed on the 1099 form I received with the check they couldnt call they out the funds on hold until XX/XX/24 the funds cleared but they still wont release the funds even though the checks cleared and chase will not allow me to give the actual check the 1099 and the envelopes it came in because I did a mobile deposit. I have called everyday and chase will not release my funds nor help me to get my funds released
Consumer complaint received 2023-03-27
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-11
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. (CT)

There are several incorrect Accounts on my consumer report. I contacted the XXXX Credit Bureaus about it and it was said that the information is correct and i should contact the XXXX. I did and had no resolve about the issue. I was asked to contact the bureaus about it. On several attempts I was sent back and forth without any resolve of this issue. 

I contend that a charge-off is deemed an income and should not be reported on the credit report as a debt.