davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I was logging into Navy Federal app on my phone to pay my sons car payment I noticed that the bank account which I have not used in almost 2 years had {$58000.00} in it. I called Navy Federal On XX/XX/XXXX and they reassured me the money was mine and told me I could spend it. I paid {$35000.00} and paid off my car loan for my XXXX with Navy Federal and I transferred the rest {$16000.00} to my XXXX XXXX account so I could spend it since I dont have a debit card with the navy federal account that all of that money went into. I asked Navy federal where the money came from and they could not tell me all they could tell me was that its a credit on my account and it was my money and I can spend it. I was contacted 2 to 3 weeks later by navy federal recovery team telling me the money was not mine and I need to return it all. I returned all the money they took it and I also had a {$5000.00} in credit card debt that I was paying on and it was in collections I had Payment set up through my XXXX XXXX XXXX account to pay them every month until the debt was paid off they told me in XX/XX/XXXX that {$5000.00} Debt had been charged off and I no longer of them any money in collections at Navyfederal. Fast forward to today XX/XX/XXXX when I was supposed to receive {$1000.00} from my boyfriend so I can go get a XXXX XXXX and Navy Federal Collectuons dept has taken that {$1000.00} money and told me theyve applied it to the debt that I owe on that {$5000.00} that they had once told me was charged us and I no longer owed. Navy federal has not once tried to contact me since XX/XX/XXXX when they told me the debt of {$5000.00} was charged off and they took back that large sum of {$58000.00}. I have called them and asked them to give me the XXXX XXXX back because I was to use that for a XXXX XXXX on my XXXX tomorrow and now they say that they will not give me the XXXX XXXX back because the money was not mine. 
XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXXand XX/XX/XXXXI receive an email that my best buy account was late and I called several times to ask the company about it because I am always on time with all my bills. They explain that I was not late and I stated checking my credit reports and a late fee showed after calling XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2019 to  best buy they ask me to write to them about the problem and I did no one called me back to notify me about the income its going to be a year and this issue is not resolve
Consumer complaint received 2020-02-20
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. (GA)

I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.
Consumer complaint received 2016-07-21
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Second Round Limited Partnership, Austin, TX Branch (NJ)

Case number XXXX, XXXX, XXXX I have attached a copy of my husbands credit report provided by XXXX. Second Round LP is still reporting " open collections '' updated XXXX XXXX, 2016. Attached also statement from case listed above where Second Round LP " ... decided to close this account and DELETE it from the credit bureau. We have asked our servicer to provide proof they have proper controls to assure all required verifications take place. '' To date, it has not been deleted from my husbands credit file.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase bank put froze my checking account after I deposited {$25000.00} in inheritance money. In total, they are holding over {$26000.00} hostage which includes my monthly social security payment. Chase asked me to tell the executor of the trust who issued the check for $ XXXX t to go to a Chase bank branch and show two forms of ID. The executor is traveling now and he can not go to a Chase bank. In the meantime, all scheduled electronic payments are getting declined because Chase won't remove the restrictions from my checking account. Please help! 

Thanks in advance. 

XXXX XXXX
Consumer complaint received 2020-02-10
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: Experian Information Solutions Inc. (CA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (CA)

I am writing to express my discontent with the handling of Identity Theft and fraud associated with a Paypal Synchrony Bank credit card. I became aware on XX/XX/XXXX, XXXX that an unauthorized Credit Card associated with my Social Security number was sent to collections due to non payment. 

I am in the process of buying a home for my family and in the middle of escrow, immediately after finding out about the collection debt, I called Synchrony Bank and spent 2 hours on the phone trying to clear and reestablish my credit. On Saturday, immediately it was determined that the account was fraudulent since the information on record for the account and my information did not match. My loan officer Mr. XXXX and myself, finally spoke to XXXX in the Fraud department and he instructed us to call back on Saturday XX/XX/2020 and that he would be able to further assist us with a deletion letter that would assist me with reestablishing my credit to continue with the purchase of my home. Unfortunately, we spend about 1 hour with multiple people and we were unable to speak to XXXX and did not get anywhere. We poke to XXXX with Employee ID XXXX and another individual with employee XXXX but we were not able to make any advancement nor did it seem that my case is being handled nor given the due diligence due to the nature of the circumstances I am in. 

It is unacceptable the manner in which Synchorny Bank is handling the case. It was evident that there is mismatching information with the credit card information and my credit, as they were able to immediately determine the mismatched information, but they can not resolve the case and provide me with a deletion letter to reestablish my credit. Time is of the essence and everyday that passes by, I am at risk of losing thousands of dollars in a security deposit for my home. A balance of over {$4000.00} was sent to collection and upon calling Synchrony Bank, they determined that there were discrepancies with my information and the information they have on record. Again, I did not authorize anyone to open a credit card with my social nor did I authorize anyone to utilize my credit cards. The last four digits of the account are-XXXX.
Consumer complaint received 2022-10-14
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 just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

In early XX/XX/2020, I disputed all 3 credit bureaus ( Equifax, XXXX and XXXX ) on my bankruptcy under public information.I disputed because the 10 years of Bankruptcy is over and I wanted it removed from my credit reports.After Dispute investigation, XXXX, Equifax, XXXX was deleted.Since then I have applied for credit and was denied. I discovered Equifax HAS NOT removed the Bankruptcy from my credit report.I have tried to get it removed but was unsuccessful.I do know XXXX and XXXX has removed it from my credit report ( s ) but cant understand why Equifax will not remove Bankruptcy from my Equifax report.Because they wont remove Bankruptcy after 10 years, It continues to be damaging to my credit and score.Also, how can Equifax say in there Investigation results Dated XX/XX/2020, that disputed item is not currently reporting on the Equifax credit file and turn around and say on XX/XX/2020, A discharged Chapter XXXX bankruptcy remains on the credit file for 10 years from the date filed.Also, when I called them they did say over the phone the credit item/tradeline has been deleted.
Consumer complaint received 2020-02-10
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-02-10
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. (CA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX. I have contacted the FTC and the LA Police department.
Consumer complaint received 2020-02-10
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. (IL)

XXXX XXXX dba CEO of XXXX XXXX obtained and used affiant 's credit report for purposes that aren't allowed by law- FCRA and FDCPA permissible purpose. Hard inquiry, and Illinois State Constitution right to contract and privacy. Parties to this matter not permitted by law are XXXX XXXX dba CEO of Equifax and XXXX XXXX dba CEO of XXXX  Several attempts to mitigate this issue and have this hard inquiry removed is to no avail.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

We entered into an order in XX/XX/2015 that included all funds owed to the creditor PHH in bankruptcy court. The agreed amount was {$270000.00}. We constantly get statements that are incorrect. The most current statements shows an incorrect escrow and 6 missing payments although no one at the company will provide a payment history. We were told today that we needed a lawyer in order for them to speak with us. I have been interacting with them for years.
Consumer complaint received 2020-02-10
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: CITIBANK, N.A. (KS)

This is regarding billing dispute XXXX. The merchant was XXXX for {$55.00}. I disputed on XXXX. It states action required by XXXX. On Citibank 's dispute summary page, it reflects action is still required. Citibank supplied a letter through their Notices and Letters stating they were reversing the credit on XX/XX/XXXX. 

I thought I returned this item and was wrong. I didn't respond to the dispute because I assumed Citibank would eventually reverse the charge. They did, although the dispute summary doesn't reflect that the investigation is complete. 

On XX/XX/XXXX, I sent an e-mail to XXXX to let them know it is still reflecting action required no later thanXX/XX/XXXX. They followed up with a letter. 

It is dated XX/XX/XXXX and states on XX/XX/XXXX that they asked me to follow up with them no later than XX/XX/XXXX. 

The problem is the dispute summary is incorrect and the action required date does not match the letter Citibank sent me on XX/XX/XXXX. In addition, there Notices and Letters page states all notifications and letters will be held there for 12 months. There is only one page when there should be more. I had two pages at one point and these documents disappeared. I spoke to a rep with Citibank the other day through their 800 number, and she said the problem has been reported by numerous customers in relation to billing disputes.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WI)

During the summer I began getting calls from JPMCB Card services, XXXX XXXX XXXX XXXX Delaware, XXXX. On the first call, I picked up, and the lady explained to me it was Chase and that my account was due, I said I didnt think I had a chase credit card, she said her records said I did and that she needed some information. She asked me for some identifying information, but when I got the part of her asking for my mothers maiden name, I froze, and told her I would be calling Chase Credit Back. 
I called Chase Credit Services, and was told that I did not have a credit card open with them or a balance, and was told that this was fraud and I was transferred to the fraud team. When I told them the number where the call came from ( XXXX ) XXXX, the fraud representative said that was not a Chase number. 
JPMCB Card Services, masquerading as JP Morgan Chase, put {$400.00} on my credit report and did so fraudently. I checked online and JPMCB is actively engaged around the US in fraudently putting charges on peoples credit reports.
Consumer complaint received 2020-02-10
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. (GA)

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Consumer complaint received 2020-02-10
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. (GA)

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX  and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Consumer complaint received 2018-05-05
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. (TX)

XXXX, XXXX  and Experian are reporting a Bankruptcy as a public record falsely. File dateXX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (FL)

I would like to report a scam debt collector named " XXXX XXXX '', who claims to be representing XXXX XXXX at XXXX. I have received repeated phone calls and voicemails concerning credit card debt that is not mine. When I asked for a written validation notice specifying the amount, and the name of the original creditor I was threatened and dismissed. I have checked my credit card report for good measure before filing this report and there is no listed debt. 

These are the phone numbers that have been used : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is happening with XXXX XXXX XXXX XXXX they were taking payments from a different account and applying payment to that and not the car loan. Then they would report the payments late. They even had both my car repossessed and charged an ungodly amount to get them back. This has been happening since 2016 and we have been working with them to clear this up and nothing has happened.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.