davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (VA)

We filed bankruptcy ( XXXX XXXX XXXX in XXXX XXXX XXXX and Net Credit was included. At first, they called a few months after it was settled and I referred them to my attorney. They continued to put this as a delinquent debt on my credit report and I did not realize that was wrong until emailing my attorney about it. He said they could be in violation of " the stay and discharge injunction '' and he is writing an official letter to them. In the meantime, he recommended that I report this to you so that it could be resolved even faster.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (SC)

Over the last couple of years I have been struggling to get my credit back in good standings, and I have finally gotten it to the point where I 've been approved for a home loan. During the process I discovered negative information on my credit reports involving tax liens. So I got in touch with the appropriate personnel that sent letters of expungement and had liens taken off of reports. I was using XXXX XXXX services to keep track with this process of removing these items from the XXXX agencies they use, XXXX and XXXX. When they were removed my credit score went up greatly. Naturally I wanted to see the results of the other agency Experian. In XXXX, when initial credit inquiry was done by mortgage company, my credit score registered XXXX with Experian. When I was finally able to find out my new score, I was disappointed to find it at XXXX. Then while trying to get some understanding as to how my score could decrease with them and increase with the others I was unable to receive any clarity. I voiced my concerns through an online dispute, but have not had any kind of response. Thanks for giving me this platform to air concerns and complaints.
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (IL)

I received a bill from XXXX XXXX XXXX dated XX/XX/XXXX of 2021 about a collection notice. I contacted them via by phone call to settle the debt. I requested that they send me a verification letter in the mail to verify that this account is in fact mine. They refused to send me any kind of documentation besides the bill. I also requested a debt settlement letter on XX/XX/XXXX of 2021 have received no response from them. I asked for verification and I have yet to receive said letter in the mail. The collection agency continues to charge interest fees and reports it to the Credit Bureau. I have tried contacting them to settle the debt but they refuse to take any kind of payment via mail or by phone call. When I do contact them by phone, they belittle and use obscene language.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible  to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

Our original mortgage company was XXXX XXXX XXXX  XXXX. Which has apparently been transferred to Citizens One Home Loans on XX/XX/2019. When we took out the mortgage with XXXX, they appraised our property for a certain amount. We wanted to refinance and sent our information to Citizens One Home Loans, the loan officer gave us positive feedback and requested another appraisal, which we had to pay for. When the appraiser came to the property I showed him the XXXX appraisal and he set about his business. 
When our loan request was denied we found out that this appraiser only appraised part of the property. Of course resulting in the denial. 
So I contacted him personally and he told me that Citizens One had told him to only appraise part of the property. 
That being said, I feel we were unfairly represented in our request and duped into Paying for an unjust appraisal. 
We are now unable to talk to the loan officer ( no return calls ) therefore unable to resolve this highly unfair and frustrating matter. XX/XX/2019 2019
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (PA)

ON XX/XX/XXXX, I completed a credit application online to XXXX XXXX XXXX. XXXX refuses to give me a decision regarding my credit application. The dealer, XXXX XXXX in XXXX also will not give me a written decison on my loan simply stating : " they dont offer a loan for your type of credit situation '' XXXX also ran a credit application without my permission.
Consumer complaint received 2021-02-26
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: Southwest Credit Systems, L.P. (WA)

On XXXX XXXX, 2021, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-06-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is in Violation of the Fair Credit Reporting Act. I demand the XXXX XXXX XXXX account report paid in full with a XXXX  balance. 

The Final and last notice, I will send to TransUnion regarding this matter XXXX University  has provided email, and a letterhead letter debt paid in full with a XXXX  balance. 

Please see XXXX XXXX XXXX responding to Consumer Financial Bureau they will report account paid in full with XXXX balance. 

I have reported this account numerous account must report paid in full XXXX  balance. The notification was sent to all three bureaus. Please see the attached receipt, email, letter
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting an incorrect coding on the XXXX account number # XXXX. ( Please see page 5 of the attached credit report. ) This account is reporting as an I2 and actually it needs to be coded as an I1. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I made a deposit on XXXX XXXX before the cutoff hour to make sure I wasn't overdrawn on that day, based on my online account balances that also showed pending transactions, on closing business day of XX/XX/2021 according to my calculations I wasn't overdrawn yet on XX/XX/2021 they charged me a {$36.00} dollars overdraft fee for a check cleared on XX/XX/2021, but I wasn't overdrawn, so I called the customer service line and they told me they showed me overdrawn. I went over to my local branch and got a print out of my account and they proceeded to tell me I was overdrawn on XX/XX/2021 because of two pending transactions, but I told her that on closing date XX/XX/2021 I was not overdrawn and that one of those transactions that they were telling me wasn't charged until the morning of XX/XX/2021. It should be law that I should be able to see what they see and that my account balances should be the same as I see them, if items are coming thru they should show on my account as pending. I am still not believe I owed that fee.
Consumer complaint received 2019-05-14
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)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have contacted the FTC and the police. I'm dong this on my own behalf. There are still items on my credit that are not mine. XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NJ)

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

Navient has  my account listed w ith 3 nega tive payments from  XXXX   XXXX . and  XXXX   XXXX  in which they are adversely affecting my credit worthiness. I have never been late on this loan and was currently in a deferment during this time that they are reporting inaccurately. I have disputed this with Navient and the  XXXX  credit bureaus and they continue to report incorrectly which is a violation of the law.
Consumer complaint received 2020-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (LA)

On XX/XX/XXXX I ran out of gas on the side of the road. I parked my XXXX XXXX XXXX XXXX XXXX  and walked to the gas station to get gas. Upon returning someone has ran into my van totaling the vehicle. I know longer have possession of the vehicle the person who hit my vehicle insurance company has the vehicle. I contacted Chrysler capital and informed them of what happened to the vehicle and requested a courtesy adjustment to have the vehicle balance off my credit reports as I know longer have access to the vehicle and XXXX XXXX will submit a check for the value of the vehicle. Under the fair credit reporting act companies are required to report accuracy information as I no longer am responsible for the vehicle it should be removed from my credit reports immigration
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Due to the defective escrow calculations in my mortgage, the lender increased my monthly payments by {$450.00} a month, beyond what I can afford. To correct this problem I am attempting to refinance my mortgage since the six month waiting period mandated by FHA has expired. This refinance is time sensitive as it has to be complete before the lender pays the next property tax bill this month which puts the escrow account into a negative balance. 

To make this happen correctly, I contacted Plaza to get the automatic draft of the mortgage payment from my bank account stopped and the tax payment delayed. I was assured both verbally and in writing that both of those things had been done, yet Plaza still drafted the payment out of my bank account. This has put the brakes on my refinance as it has totally changed the payoff amounts and affected closing costs.

I have been in contact with Plaza several times over the last two days since they did this and am getting nothing but run around. They promise calls back that never come and can not provide any explanation at all as to why they can not just fix their mistake. Their actions, whether spawned out of complete incompetence or being done out of a willful attempt to prevent my refinance so they can continue to collect interest, are going to cost me a substantial amount of money.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX   XXXX  credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads. 

Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again.

Here are the details : I purchased a computer at XXXX  with a Barclaycard XXXX  XXXX  credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe. 

I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX. 

I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}. 

I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period. 

Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees. 

I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.
Consumer complaint received 2020-08-19
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. (NV)

NEW COMPLAINT*** NOTE : This is my 3rd submission with Experian . I have previously replied with ALL Documentation confirming my identity while the company is refusing to acknowledge and review submitted documentation and complaint. 

Description : Problems with my credit report due to unverified misleading inaccurate information.
Consumer complaint received 2020-07-13
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. (MS)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-13
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.