davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: TD BANK US HOLDING COMPANY (LA)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-07-20
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. (TX)

I have a court order that states the debt belongs to someone else. The court order was submitted to XXXX, Equifax and XXXX and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. XXXX, Equifax, XXXX and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal documents.
Consumer complaint received 2023-07-20
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-04-06
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. (TX)

Reporting Act, XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. 
The following inquiries are Unauthorized : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hi, My name is XXXX XXXX I have a delinquent capital one account reporting delinquent on my XXXX credit bureaus that I never received or even applied for. I need this removed from my credit ASAP! I called in to dispute this account as soon as I found out about it but at that time the account was past due and in deep collection. I was in the process of moving homes and the address that the card was supposedly sent to I wasn't even living at the time! I need this delinquent account either removed from all XXXX bureaus or update to on time and upstanding as it is severely ruining my credit as I am trying to go for a home loan. Also I didn't even apply for this account in the first place! Please see the attached documentation.
Consumer complaint received 2017-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I contacted Loancare service via phone on XX/XX/XXXX. I inquired about " total fees '' of {$280.00} on my statement dated XX/XX/XXXX. I was told that the charges included {$75.00} inspection fee because our loan is backed by the VA and we were behind on our mortgage payments. The inspection was required by VA policy. The inspector was verifying that home was not vacant. I was told the inspections occurred on XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX by XXXX XXXX. I first told that the inspector/XXXX XXXX is a " loancare employee '' then I was told that the inspectors were " independent contractor ''. I was told then told that the inspector was supposed to leave a business card at our address. We never received a business card. When I questioned the customer service rep about the business card. I was then told that the inspector was not required to leave a business card. I was then told that the inspector took photos of our home and filed a report with loancare. I requested proof of the inspection via photos and/or report- since I was charged a fee for a service I do not believe occurred. I was told I had to subpoena loancare to receive the requested documents. My mortgage was sold from XXXX to Loancare. I have had nothing but problems since Loancare took over our loan. Please investigate Loancare for unethical business practices and violation of inspections required by VA backed mortgages.
Consumer complaint received 2024-05-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I am enrolled in a rate reduction program with Navient to pay back my student loans. I have been making the necessary payments ( {$460.00} ) consistently for years! However, i have been experiencing some hardship and have fallen 5 months behind. I have had many conversations with Navient explaining my situation and have repeatedly been told that this is my obligation and theres nothing else they can do to help me with the monthly payments. Im not eligible for deferment or forbearance. My credit score has dropped significantly due to the reporting to the credit bureaus. They have called multiple times a month, harassing me and my father ( who is my co-borrower, but retired ). They sent letters recently stating they will be sending the account for litigation review and more recently stated the account is under review for litigation. On XX/XX/24 i received a called where the workers supervisor triggered my mental health & was rude with me. Furthermore, she stated shes sorry i had a recent death in the family, but that me and my co-borrower should have budgeted to make sure the loan was being paidin the midst of our tragedy/grieving. That supervisor proceeded to state that Navient will put a lean on my fathers home. Looking for guidance and assistance as I feel that this is completely unfair to harass someone that has been making consistent payments for years, but once they have fallen a few payments behind due to hardship, theres no understanding or compromising with different options that can work for all parties. Thanks
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2021-03-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (AZ)

HIPAA Violations, please review documents. Please Not this is my second HIPAA violations dispute to Americollect.

Americollect did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NC)

I called Barclaycard XXXX/XXXX/2017 at approximately XXXX EST from my husband 's phone with a simple request of seeking to confirm no recent card activity. After navigating the cumbersome automated system and entering all requisite information required, including several " for your security '' entries I finally reached a human. I should have known something was afoul when the frontline phone rep transferred me immediately after additional security information to " security. '' XXXX was who I spoke with from " security '' and alternated from interrogation to placing me on hold for the next 20 minutes. Thankfully, I keep excellent records and was able to immediately answer. After calling my home ( and waking those sleeping ), she came off our third hold event. The lines of questioning included which bank account I had made my most recent payment from, what was the payment amount, when was the payment made?
These were all events that took place several months ago. Given I value my time with my family and consider the amount of time spent on hold and answering the less than friendly line of interrogation from the phone representative, I indicated I was " considering whether or not I should continue my relationship with barclaycard. '' The rep thought she had some sort of " gotchya '' moment and said " she should continue?!? '' I was not sure what she was implying until she said this, as apparently she insists I was my husband. Great, sick and accused. So now instead of having my credit balance refunded and account closed, XXXX enumerated all of the " requirements '' for " identity validation '' in order for their " security department '' to clear my straightforward request at the end of the call to close my account and have the annual fee refunded. Really, I am supposed to pay you an annual fee for THIS type of customer service? I have received better treatment in communist nations! I believe XXXX needs to be retrained, as this is not how you retain customers in any form whatsoever.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America approved my credit card application online with a hard inquiry on my credit. After letting me spend for a few days, they blocked my card and online login. They want me to visit the branch. I can't go to a branch because I have now traveled outside the country and can't enter the US due to COVID restrictions in the country I am at. Now, I just want to pay the card balance so there is no interest or missing payment. However, the bank won't provide any information over phone or online even after I provided all my information to verify my account over phone. They can provide my balance and due date only if I visit the branch with physical IDs.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (GA)

Regarding previously filed Complaint Number : XXXX. 
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I am trying to refinance my Wells fargo home mortgage with another lender. Wells Fargo can not meet the new interest rate, so they are actively trying to stop my refi. I have a credit rating of XXXX, and many accounts with Wells fargo. 

The have delayed the subordination request by 6 weeks. They claim their office is overworked. This has cost a very expensive rate lock to expire. 

They are currently delaying the payoff amount needed to close the refinance by 2-3 weeks so far. 

They are bleeding mortgage customers due to their uncompetitive rates, and this is their attempt to hold on to customers. 

I have phoned and emailed multiple times to try to get them to do their job.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (TX)

KICKOFF continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. KICKOFF has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate.

I would like to be very clear that KICKOFF has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (TN)

I have a vehicle loan with Pentagon Federal Credit Union. I was notified by the credit union I needed to provide insurance reflecting the credit union as the lien holder on the insurance policy with progressive insurance. I provided the information on XX/XX/2021 for full coverage insurance and on XX/XX/2021, the credit union added XXXX XXXX for {$6400.00} despite the fact I have provided insurance verification with Progressive reflecting Pentagon Federal Credit Union as the lienholder. This appears to be an attempt to levy a cost to the consumer for a fictitious issue when the insurance for the vehicle was forwarded to the credit union as requested. I had called on multiple occasions to discuss the issue so I was aware of the specific requirement. I have never experienced such a mess with a financial institution and this is costly to consumers. I am curious how often this happens across the credit union for vehicle loans. I am a retired XXXX  XXXX and have had numerous vehicle loans throughout my life and have never had this type transaction. The credit union appears to be aggressive in providing other benefactors with business at the consumer expense. This transaction appears fraudulent.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (PA)

Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old ) Collector refuses my attempts to settle.
Consumer complaint received 2023-07-20
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2022-04-06
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. (NE)

I disputed a debt being reported on my credit report and instructed TransUnion that I am not familiar with the debt, the company reporting the debt ( XXXX XXXX. # XXXX ) and have not done business with the listed original creditor XXXX XXXX. 

I requested an investigation into the incorrect information and requested some form of signed documentation that the account being opened in my name and social security number had been authorized by me. I did not receive any form of documentation from either TransUnion, XXXX XXXX. or XXXX XXXX, I do not feel this request is exceeding my legal rights under federal law, if no one produces documentation, then what prevents a company from falsely claiming a debt is owed and just reflecting it on your credit report. 

I would like to have any signature obtained supposedly authorizing the original account to be opened, examined by a professional recognized by the XXXX XXXX Nebraska XXXX XXXX, as I did not authorize an account be opened and I want to have the signature compared to my years of signatures. 

They failed to obtain documentation and only informed me that the debt had been verified as accurate and never produced documentation to substantiate the claim that the debt was/is valid. 

My next step if it is not corrected thru this process will be to file a complaint with the F.T.C. for the failure of TransUnion to maintain only 100 % accurate information within my Credit Reporting File.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc. (TX)

I am writing in response to the letter from Revolut letter ( Revolut ref : XXXX CFPB XXXX : XXXX ) regarding my complaint about the unauthorized transaction of {$XXXX} made to XXXX on XX/XX/2024. I appreciate the attention to this matter, but I must express my continued dissatisfaction with Revoluts  handling of my case. 

In their response, they stated that follow-up messages were sent to me via Revoluts in-app XXXX on multiple occasions, requesting additional information regarding the transaction. They further mentioned that I have been unresponsive to these messages. However, I have checked the in-app chat multiple times daily and have not received any such messages from Revolut.

I request that Revolut provide proof of these communication attempts. It is essential to understand whether there has been a technical issue preventing these messages from reaching me or if they were never sent. I am prepared to provide evidence of my in-app XXXX XXXX to demonstrate that no such messages were received. 

Moreover, my chargeback request was denied based on an assumption that I authorized the transaction, yet no substantial evidence proving this claim has been provided. The supposed evidence from XXXX indicating that I booked a round trip from XXXX to XXXX is not something I recognize, and I would like to see this evidence for verification. As previously mentioned, anyone with my information could have made this booking fraudulently, which is why I filed the chargeback request immediately upon discovering the transaction. 

Additionally, the partial refund of {$XXXX} provided by XXXX does not address the core issue. Since I did not authorize the transaction and did not take any of the flights, the full amount of {$XXXX} should be refunded. 

I urge Revolut to re-evaluate my case, taking into consideration the lack of received communication on my end and the absence of clear evidence that I authorized the transaction. If this matter is not resolved promptly, I will be compelled to escalate the issue further, as it is clear that the current resolution process has been inadequate. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide the requested proof of communication attempts and re-assess the validity of my chargeback request. 

Sincerely.