davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I was XXXX  from XXXX-2020 to XXXX-2020 and during that time my Navy Federal debit card was used fraudulently for the following transactions : XXXX WITHDRAWAL {$1000.00} XXXX withdrawal {$300.00} XXXX withdrawal {$62.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$140.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX XXXX XXXX   {$240.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} Ive sent the bank a letter from the XXXX  stating the days I was XXXX  along with the police report and was still denied. I went to a branch location today ( XXXX-20 ) and was told by a Navy Federal associate who was on the phone with the Navy Federal fraud department and was told the reason I was denied was because the PIN number was used but according to the Electronic Funds Transfer Act that is not a reason to deny a fraud claim. The only way for my claim to be denied is if I wait too long to notify the bank of the fraudulent transactions which doesnt apply to me because I notified Navy Federal within 1 day of noticing the transactions because I was XXXX.
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a complaint on XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Results came back as verified. I strongly disagree with results as account is factually inaccurate accounts status is closed with a balance of {$2200.00} payment status of charge off with date last active reporting as XX/XX/XXXX by Trans Union while XXXX is reporting to XX/XX/XXXX and XXXX reports XX/XX/XXXX. Payment history reports last payment being done XX/XX/XXXX that is impossible and not acceptable as date of last payment is unknown. How can creditor be reporting account with missing data?! I am showing proof that account is reporting factually inaccurate. XXXX XXXX  provided a letter stating that XXXX XXXX did not receive payment after XX/XX/XXXX. If you look at payment history on credit report, you will see that payments are still being reported! So, how the XXXX is creditor stating that they havent received any payment after XX/XX/XXXX when payment history reports different? Creditor is not providing any documentation showing information is accurate. Account has been disputed multiple times and it has not been reported on credit report that account has been disputed by consumer, nor that investigation has started yet. Updates have been done without notifying me.The Letter that was attached to CFPB Complain does not make sense with what is reported on credit report.
Consumer complaint received 2020-05-06
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. (TN)

In XXXX I received a letter in the ail about a bankruptcy, but I didnt pay much attention to it because my names were misspelled and I knew I had never filed for a bankruptcy so i just left it alone. In XXXX I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XXXX and I was denied once again, I was not understanding why so I finally ask the salesman to show me my report and I wish I would of done this a long time ago. I was furious to kn ow I had accounts opened under my name that i never opened and even more shocked when i saw the bankruptcies. I have never filed for bankruptcy in my life. The things I am reporting from my credit do not belong to me. Please remove these things fro my report as soon as possible. XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-03-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On or about XX/XX/XXXX I submitted a dispute related to an account that PRA was reporting. Acct # ending in XXXX since then I have been in communication with PRA regarding this account that's being reported in error. On XX/XX/XXXX PRA responded to my CFPB complaint once again alleging this account was verified and found to be true. Furthermore they requested that I send them additional documents regarding the matter which I mailed back to PRA via XXXX tracking # XXXX ( see attached proof of delivery ) showing to have been received by PRA on XX/XX/XXXX signed by XXXX. On XX/XX/XXXX I received another letter dated XX/XX/XXXX from PRA with the exact same verbiage as before stating the account was confirmed to be reporting correctly ( REF # XXXX ) and again providing me with monthly billing statements dated from year XXXX. As of the date of this compliant PRA has not responded to nor acknowledged my FTC Identity Theft Report which was included in the letter referenced above.
Consumer complaint received 2020-10-21
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX XXXX XXXX XXXX. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I am filing a complaint against the mortgage lender Mr. Cooper. My former spouse filed for bankruptcy and debt was discharged. Mr. Cooper continues to add additional legal fees to the mortgage on the home that I alone own. When I call, wait times are often in excess of 30 minutes, they have hung up 5 times today. They do not accept messages. Mr. Cooper refuses to answer questions and when I ask for an itemized review of all legal fees they refuse to provide this. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I emailed my requests. They assured me a response within 14 days. Federal bankruptcy judge instructed lenders attorney to have fees waived, Mr. Cooper has ignored this instruction. I can not even communicate with my lender. I pay my mortgage on time. Please help me. Attached is my written request ( my contact information is at the end ) : Dear Mr. Cooper Research Department : My name is XXXX XXXX ; I am borrower two on Loan Number XXXX located in zip code XXXX. 

I am contacting you to request the following information/documents : 1. An itemized listing/accounting of ALL corporate advance fees assessed to my loan beginning at the time that my ex-husband and borrower one, XXXX XXXX XXXX XXXX XXXX, filed for bankruptcy. 
2. Mortgage interest statement for XXXX XXXX. Mortgage interest statement for XXXX 4. Mortgage interest statement for XXXX Regarding item 1., I need the date and detailed information about what each fee was specifically for, when it was billed, when it was due, when it was paid by myself, and/or if it is still outstanding as I have personally made all mortgage payments since Borrower Ones bankruptcy filing. 

I am particularly concerned as I attended the hearing on XXXX Case XXXX held on XX/XX/XXXX. US Bankruptcy XXXX XXXX granted the motion for relief from stay and co-debtor stay AND provided clear direction to Mr. Coopers counsel, XXXX XXXX XXXX, that all related legal fees should be classified as non-recoverable and any fees paid should be credited to my loan. 

I have not seen evidence on the monthly Informational Statements reflecting any credit of corporate advance fees. Hence, I am specifically looking for that information so that I can provide it to the Court per XXXX XXXX request. 

My understanding is that the bankruptcy was discharged on XX/XX/XXXX. I attempted to access my account online assuming that I am now finally entitled to the full array of customer service from Mr. Cooper that my on-time payments should provide for at this time. However, I was advised by two representatives that I am still enduring unjust consequences related to my ex husbands behaviors. Further, I was also informed of an additional fee of an additional Proof-of-Claim fee of {$130.00} assessed to my loan on XX/XX/XXXX. I am most unhappy about Mr. Coopers continued penalization. 

Kindly, forward evidence of all accountings to corporate advance fees as soon as possible. I thank you in advance for your customer service. 

With my advance gratitude, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
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)

( 103 true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX XXXX  Report Number XXXX Equifax Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. As this my 3rd time trying to remove these items so I can buy a homeThis is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT furnish people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One is reporting an account closed from XX/XX/XXXX as 30 days late on XX/XX/XXXX to restart the debt. Now keep in mind I also have a current account with them as well which I have paid on time. I have never had any direct contact or letter from them on my old account. I have never even received a letter it was closed ; yet they are somehow illegally restarting the clock on this debt by reporting it 30 days late - it has been closed since XXXX. I also have not received any current letters about the debt.
Consumer complaint received 2017-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

We took 15 yr. home equity loan from Chase Bank back in XX/XX/XXXX in amount of {$20000.00}.
I have completed 15 year loan terms in XX/XX/XXXX by paying on monthly basis {$130.00}.
So, I paid back to Chase total of {$23000.00} but they processed only {$5100.00} toward principal and collected {$18000.00} as interest Now Chase is requesting additional {$14000.00} or they are going to collection. This is an outrage bank practice collecting in interest almost as much money as loan amount was. Is there any consumers protection available in case like this?
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (NY)

as Experian was previously notified, I am a victim of identity theft. PLEASE stop telling me that i am not sending in my on complaint to the CFPB and to Experian. Please look at the information that i have sent. thank you
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

I have a bank account with Chase and a fraudulent check for {$600.00} went through my account on XXXX. The signature on the fraudulent check does not match in any way to mine, and Chase just let this check go through. I have downloaded a copy of the fraudulent check for my records and can submit it to CFPB if need be. I have tried to reach Chase in XXXX of XX/XX/XXXXand they have asked me to walk into their branch. And they have also closed my account without asking or informing me. I have been out of the Us for two years, and now that I am back in the US I went in and have submitted a complaint with a Chase bank on XXXX, and have not heard back from them since then. 
I have called Chase banks customer claims department on XXXX to ask for a status and they have asked me to go their physical bank location. I did go to their physical bank location and have been instructed to call their customer claims department. So I feel like they are sending me in circles. 
It raises an alarm that a big bank like Chase would let checks that have unmatched signatures pass through their system. Customers should feel unsafe banking with them.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

I filed a complaint regarding a dispute from the company XXXX and navy federal has not refunded my money nor have they given me a temporary credit. I return the item to the company and provided navy federal with a tracking number. 
They verified the item was returned I want my money returned to my bank account immediately.
Consumer complaint received 2023-01-30
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-11
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. (TX)

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :
Consumer complaint received 2021-08-11
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. (TX)

Experian has allowed 6 inquiries on my credit report that I am disputing because they were not authorized. I did not receive calls from these companies even though I have a fraud alert on my credit profile. These inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition to that the Bankruptcy Chapter XXXX filed XX/XX/XXXX was discharged XX/XX/XXXX. This is public information and Experian still shows an active collect account from XXXX XXXX which is discharged. And from XXXX XXXX XXXX XXXX. 

Experian shows my community credit union opened XX/XX/XXXX. My credit score at that time was XXXX and I wouldnt have been able to obtain such a loan for {$22000.00} this account is fraudulent but other than that I included it in my bankruptcy and it was discharged XX/XX/XXXX my attorney already mailed this to the creditor which confirmed they arent reporting debt owed since it was discharged they advised my attorney it should reflect {$0.00} owed yet Experian says they verified I owe discharged debt? Very strange how you can go against the bankruptcy court laws.