davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
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: NAVY FEDERAL CREDIT UNION (DC)

I filed a credit card billing dispute through Navy Federal Credit Union 's ( NFCU ) billing dispute system on XX/XX/2019. I submitted documents related to the dispute on the same day through secure messaging on their website and also by fax. I received a secure message from NFCU on XX/XX/2019 confirming that they had " received '' and are " reviewing '' the documents. I subsequently received a letter through regular mail from them, asking me to contact them to answer whether or not I attempted to resolve the dispute with the merchant prior to filing the dispute with NFCU. I called NFCU the same day, and I confirmed to the representative I spoke with that I did indeed attempt to resolve the dispute with the merchant prior to filing the claim. She then told me to disregard the mailed letter and to expect a follow-up letter containing the results of my dispute. 
After receiving no such letter, I called NFCU and asked for the dispute results. The representative told me that my billing correction request was denied without offering an explanation. I then asked to speak with a supervisor. After a lengthy hold, I spoke with the supervisor. She denied that NFCU had received the dispute-documents. After explaining to her that I had received written communication that the documents I submitted were properly received, she asked me to send them again. I sent them again by secure messaging through NFCU 's website. She then said that she did not receive them. I sent the documents again, and again she denied receiving them. I sent them another time. This time, she confirmed receipt but immediately claimed that I had no right to recover the payment. She assumed that I was saying I was unhappy with the results of the Mediation, and that is why I want my money back. I said no such thing, nor did I intimate anything like that. I want my money back because the attorney violated the retainer agreement : ( 1 ) She refused to continue work on the Mediation without extra payments from me despite our written and verbal agreement of a {$2000.00} fixed fee for the Mediation. ( 2 ) She refused to file the petition that was offered and accepted during the Mediation unless paid more money.

( 3 ) She ceased work immediately without providing the 10-day notice required by the terms of the retainer agreement/contract. 

I explained this to the NFCU supervisor but I don't think she understood the situation. I told her that I would be sending a formal Fair Credit Billing Act letter. I mailed the letter to the " Billing Inquiries '' address through the United States Postal Service on XX/XX/2019. After more than 30 days had passed without NFCU confirming receipt of the letter, I sent NFCU a secure message through their website on XX/XX/2019. As of XX/XX/2019, they have not replied to my secure message, nor have them confirmed receipt of my Fair Credit Billing Act letter.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CT)

I need copies of statements from when my Slate account with Chase was opened to when it closed as well as a copy of the account agreement pertaining to charging of interest. These documents are for legal purposes. The account is now closed and do not have access to them
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

We refinanced our home loan in XXXX. We did a no escrow loan and paid our insurance and taxes in full when due. In XX/XX/XXXX we paid our flood insurance in full in the amount of {$700.00}. In XX/XX/XXXX our insurance company received a check from the mortgage company for the flood insurance. Since the policy was paid in full a refund check was sent to the mortgage company which they never cashed. They notified us in XX/XX/XXXX that they were putting escrow on the account for the flood insurance and that our payment would increase in XX/XX/XXXX. We notified they and they acknowledged that this was a non escrow loan and that the escrow amount would be removed. In XX/XX/XXXX I received my XXXX statement with the escrow amount on it and the payment increased. We had our insurance company issue another refund check which was sent to them on XX/XX/XXXX. On XX/XX/XXXX they returned the check. I had another check sent on XX/XX/XXXX. The company is refusing the refund to force escrow on a no escrow loan.
Consumer complaint received 2021-02-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I reached out to the credit Equafix and XXXX regarding this identity theft Acct being added back to my account. I was told by an manager at XXXX that XXXX provided them with evidence that the account is mine. When I asked to be supplied with the same information I was told that the information could not be provided to me and that the account would remain on my credit profile. On Tuesday XX/XX/XXXX I was given a number by the XXXX manager to call XXXX at XXXX. I spoke with a manager there who informed me that the account was actually not mine and the information that had not matched. The manager at XXXX stated that this was a business account I am not a business owner. Mailing, Phone or email. I was told that they would reach out to the bureaus to have this information removed from my account. Yet it has been added back again today. I have been a victim of Identity theft back in XXXX. I have had an Identity alert on my account for $ years now. And all of sudden an account that is 3 years old from an business is reflecting on my account
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: KEYCORP (OH)

KEY Bank Breach of contract under Expectation Doctrine Good Faith Doctrine Good Clause Doctrine the bank held XXXX of my money for a secured credit product they offer with the promise there secured credit card product will graduate to a unsecured product will graduate in a year held my XXXX for 14 months and product never graduate the account was managed by consumer correctly with no problems my deposit was returned in full however the credit product was denied Key Bank was only interested in deposit accounts and had no internet on honoring there credit card product this is also discriminatory!
Consumer complaint received 2019-04-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

I have savings bank account with Synchrony. These folks are some real crooks that they are not letting me use my own money. They are telling me that I won't be having access to my deposited money for 6 business days because i am a new customer. That's simply ridiculous. Moreover 6 days are far from over. Tried chatting with them and talked to neshela ( supervisor ) today around XXXX XXXX. 
If the funds are deposited on XX/XX/2019 they should be accessible to me at the most on XX/XX/2019. But they are telling that it will be accessible only on XX/XX/XXXX. 
we have already sent the signature card.
Consumer complaint received 2018-09-08
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. (WI)

On XX/XX/2018 TransUnion completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how TransUnion could have verified the account information when I, myself, have contacted both XXXX XXXX XXXX and XXXX XXXX on two separate occasions and received no response. Once was through direct mail,  the other through the Consumer Financial Protection Bureau. Both companies have failed to provide a response to my inquiries and demands for validation of the debt they seek to collect. XXXX XXXX XXXX only appears on my TransUnion report and XXXX XXXX was disputed with XXXX and XXXX. Neither XXXX or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation to XXXX XXXX XXXX and XXXX XXXX. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The companies never sent the information but continued to report the information. For your convenience I have included a copy of the deletion transcript provided by XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX XXXX and XXXX XXXX, I would like to know a detailed description of how TransUnion, verified the information.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity theft and the bureau are not doing any type of investigation ... .they just validate with no proof and none of these accounts belongs to me and my person information should only one name and one address, no former other names and addresses at all ... .I need for this to be fix asap.

These are the accounts that I'm disputing : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX   ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Capital One Account number : XXXX Reported XX/XX/2022 on my consumer report. I sent a letter to this company certified mail green return receipt signed from an Agent and still have not gotten a letter from them yet. XXXX/Capital One have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. This account must be deleted from my consumer report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 


I'm demanding this account to be deleted from my consumer report, because they're reporting it as a Charge Off. This reporting is inaccurate and must be deleted.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I had a lease with Nissan/XXXX opened in XX/XX/XXXX always paid note on time never later, no issues.. in XX/XX/XXXX there was and incident with my car also in XX/XX/XXXX got a new car.. XXXX  paid off the old loan that I had originally opened in XX/XX/XXXX. InXX/XX/XXXX.. then nissan/ XX/XX/XXXX started reporting I was late in XX/XX/XXXX I disputed then they started reporting I was late in XXXX I disputed then XXXX I disputed that then they went bac to XX/XX/XXXX .. I'm currently disputing that and nissan also sent me a letter that I was late XXXX but reporting XXXX to credit bureaus..
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I keep having someone applying for credit in my name without my consent. I've had to file another FTC report to try and get these inquires removed from my credit report.
Consumer complaint received 2022-06-12
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. (KS)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: ENCORE CAPITAL GROUP INC. (FL)

I was contacted by Midland Credit about a XXXX XXXX account that was opened XX/XX/2017 with a balance of {$1500.00} and I had no ideal I had a XXXX XXXX account and now they are suing me for that amount.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

Experian Credit Reporting On XX/XX/2019 I was attempting to speak with someone about some fraud on my account and some more-than-basic questions about locking my account. I could not get anyone to address these issues and questions. The automated line did not provide me with any options to speak to anyone or get any more information on my account or questions. Furthermore, the online reporting had errors all through the process and ended up with me blocking my own name, irreversibly without mailing something in. Yes, 2min and one wrong click to block something that can only be unblocked via mail.

After scouring the internet and trying 4 different numbers and all the consumer options, I still could not talk to anyone about the fraudulent activity on my account or my question about how this freeze would effect me. I finally contacted the business line and ( after only 3min on hold ) they gave me an extension not listed in any of the prompts where I sat on hold a while to finally talk to someone ( after 40min of holding ). I am still not sure that my identity is secured due to the lack of help from anyone at this organization.

When dealing with Identity theft, the inability to get in touch with the companies that are enabling ruining my personal reputation truly is unacceptable. Especially when they do not have any issues picking up the phone for business clients. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For anyone in the general public experiencing the same as I have, From the automated line dial option XXXX
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Receivables Solutions (MI)

In XXXX of 2019, I reviewed my XXXX credit report and it showed three medical collections from Accelerated Receivables Solution and the same information is also shown on XXXX & XXXX. So on XX/XX/2019, I sent a certified letter to Accelerated Receivables Solution requesting to validate the three collections. The company is in XXXX, NE and a part of the request from this company is do they have a license in the State of Michigan to collect this debt in addition to sending me a copy of the actual account from the creditor company. 

Today is XX/XX/2019 and have not received any written correspondence from Accelerated Receivables Solution. My disputes with this organization are the following : ( 1 ) the company did not respond to the documentation requested from myself for the company to validate that they can legally collect these medical collections : ( no validation of the actual copy of the bill and account, no information of the creditor regarding these collections, no documentation of the company proving that they can collect debts in Michigan-bond ) ( 2 ) All three medical collections on the XXXX report have the same account number with different debt amounts, ( 3 ) they did not respond to the reasonable time ( 30-35 days from receipt of the letter ) to validate that they can collect these 3 collections and the three medical collections are still showing on all three credit reports. Supportive documentation is attached to this complaint.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One promised me a 0 % promotional interest if I paid off my card by XX/XX/2019. I paid off my balance well before this date. I got charged over {$41.00} dollars for interest on a {$0.00} balance. I just spent an hour on the phone arguing with someone about this. They would not reverse the charges. As you can see on the statement, the balance was paid in full, yet I was still charged interest.
Consumer complaint received 2018-04-12
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. (NC)

I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.
Consumer complaint received 2022-06-12
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILES. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT. I DEMAND THESE ITEMS GET REMOVED. IF NOT I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

Please see all attachments : my legal rights under the Consumer Practices Act & Fair Credit Billing Act was violated. Out of good faith, I explained they can keep the {$1100.00} that was out of pocket for the labor, but I'm not paying full service for something I didn't ask for.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (NY)

I had an XXXX XXXX store credit card I paid it off in full. I am now checking my credit score & XXXX XXXX charged me {$10.00} which is affecting my credit score. I was unaware of that charges mabey it came on a next billing cycle or I never received the mail. For those reasons I wish to fix that problem ASAP. I called XXXX XXXX credit department I have no outstanding balance of & XXXX but my lender who ran my credit score viewed a problem with XXXX XXXX charges. So I would like to resolve this issue.
Consumer complaint received 2022-01-08
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. (MD)

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/XXXX. And now we are in the month of XX/XX/XXXX 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 THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX UNIVERSITY XXXX XXXX XXXX ( Original Creditor : ) XXXX