davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

on XX/XX/ I deposited a dividend check online at my bank, Navy Federal Credit Union, in the amount of {$2.00}. The bank failed to deposit the check correctly through the clearing house and the check was rejected. Under the guise of a " bounced '' check the bank charged {$15.00} and directed me to contact the issuer in a refer to maker. 

The maker, XXXX, a major stock broker, was extremely confused. Thier investigation found that NFCU had incorrectly routed the check and they reissued a new check. 

NFCU charged me {$15.00} for the bounced check due to their mistake.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

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 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rocky Mountain Capital Management (CA)

On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. 

They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. 

After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. 

The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. 

I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. 

I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. 

It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. 

A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.
Consumer complaint received 2017-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MacDowell & Associates, Ltd. (GA)

XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I Filed a complaint with the cfpb earlier this month and XXXX ADDED more incorrect late payments on my already incorrect credit report! I'm beginning to get stressed about this situation Please fix it ASAP. 


XXXX XXXX- I was never late on XX/XX/XXXX XXXX XXXX- I was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

Account number XXXX I fell behind on my payments and began making a little extra each month. In XX/XX/ 2021 my statement showed I has XXXX in my unapplied funds account. I sold my home on XX/XX/2021 and was told I would receive a refund of my escrow balance and the amount in my unappreciative funds account. I did receive the escrow refund, which I can match to the dollar via the statement. I have not received the money from the unapplied funds account. If you follow payments made into and out of the escrow account you can see that payments in matched my actual monthly mortgage payments and does not include the extra XXXX that I was paying over the actual payment go XXXX that was due. I have made XXXX calls tying to resolve this issue and each time was told a different explanation. The last person flat out lied to me about how long the money stays in the unapplied funds account ( no more than XXXX hours and then it is mired to the escrow account ) and when I called her out on the incorrect explanation she became defensive. Photos of the statements will proved money in the unapplied funds account stays there each month. 

I have had nothing but issues with The Money Source throughout my entire loan history and even had to file a complaint about them several years ago because of an error involving the escrow account, Since the explanations as to where my XXXX is can not proved via account statements nor the escrow history The Money Source provided to me when they sent my refund, I expect the Money Source to immediately provide me with a refund of XXXX.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avid Acceptance, LLC (CO)

Ok so the vehicle in question was in a recall for emissions fraud XXXX XXXX XXXX buyback. They Settled for a fix amount for a fixed time period. And a fixed mileage. This company knowing this was trying to get me to pay during the time for the time it took for payout of the vehicle. As you see the vehicle is paid off in full because of the buy back program agreement. I hadnt missed a payment until the settlement was finished. This company avid pressured me everyday for payment doing this time. I refuse to pay twice for a vehicle that was being paid in full so they Decided to report me during that time in question. And again I disputed how is that fair credit reporting. It my be close but how they reported this is absurd. But it ok you guy keep siding with them!
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I sent certified mail to the three credit reporting agencies [ XXXX, TransUnion, and XXXX  ] showing the inaccuracies [ which included late payments and collections, that were paid in full ] on my credit report. After 30 days, the three credit reporting agencies havent made the necessary adjustments to fix the inaccuracies. The three credit reporting agencies have to have everything aligned on an individuals credit report ; for example, on one of my closed accounts it says I have a late payment. XXXX says I have a 30 day late payment on XX/XX/XXXX, TransUnion and XXXX says I have an on time payment.
Consumer complaint received 2022-11-19
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL,XXXX  Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT OUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : Creditor Name, Account Number, Month/Year of Late Payment XXXX XXXX ; ACCOUNT NUMBER XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER:XXXX XX/XX/XXXX XXXX XXXX XXXX : ACCOUNT NUMBER XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.
Consumer complaint received 2021-06-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies of late payments still on my credit report from the 3 major credit bureaus after I was told this was fixed. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported this reporting was inaccurate. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand that these reporting statuses be updated.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, accounts that I do not recognize and incorrect personal information.
Consumer complaint received 2020-12-12
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. (IL)

I have disputed the inaccurate information found on my credit report regarding the XXXX XXXX 's XXXX XXXX XXXX, however it does not seem as though they have been fully investigated. I believe fraudulent activity is occurring regarding this account because the credit union never paid any money on my behalf or to me and were never actually out of any money. They have written off the account and sold the account to a collection company, so they have been paid on the account, however they are still reporting and updating a balance every month as if I owe them. To my understanding, this is considered a violation because it would have to have a {$0.00} balance. On top of that, when I have called the credit union to resolve the issue, they tell me they can not speak to me or perform any actions regarding this account because they no longer own it and I should have or will be contacted by the agency who owns it. I have requested to have this information removed immediately because it is a violation of my rights and is negatively impacting me. XXXX of the bureaus actually took the time to investigate this and already removed the information.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 I was charged 6 NSF fees for an account that I typically keep over $ 10k- $ 15k into at a time. When I set up the account with the branch manager at a local branch I was told I was enrolled in overdraft protection on both my business and personal checking accounts. This one in particular was my business account, in which I've been a member with over 10 years without ANY overdraft fees. When I called the bank they only refunded 1 NSF fee for {$35.00} dollars. I also was suppose to have alerts sent to my email, which came in a day after the fact. I have proof of the e-mail. I've told them I am pulling XXXX out of the account and closing it. Bank of America will never get any of my business for any reason again. Their ethics, morals, and the way they treat their long time customers is a disgrace.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NC)

I have been trying to get a loan modification for over XXXX yes with Phh mortgage. I have been submitting the requested documents and the underwriting dept continue to give me the run around like asking for documents that have already been submitted, stating I did not turn in documents by the due date and their representative states I did. On XXXX22 I received a letter stating that my application is complete then oXXXX XXXX-22 I receive a letter stating they needed a completed financial form. Makes no sense. Then I am asked to complete another application which I have done about XXXX times in the past 2 years. Very stressful unfair treatment. Please help!
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I applied for a Capital One card and received a request, by e-mail, for more information. The e-mail said I had 35 days to send that information. I was busy with a business trip so I did not get to it for nearly 3 weeks, which I figured was fine since it was well within the 35 days. However, when I went to click the " submit documents '' link in the e-mail it was broken. So I called the customer help line and they told me that despite the e-mail saying I had 35 days, I actually only had 14 and then the link expired. They said the 35 days was actually the deadline for mailing in the additional documentation. There was zero indication of the 14 day deadline on the link anywhere in the e-mail. Now the whole process is greatly delayed and the company is being extremely unprofessional about it, saying it is my fault despite the fact they gave me faulty information. So now I've got an application on my credit report that probably isn't going to go through because of a mistake on the company 's part, and the company is completely unwilling to do anything to remedy the situation.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed. 
I moved to this address not 4 months ago and have never had XXXX here or anywhere. 
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX. 
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/XXXX, I shipped two envelopes from a local XXXX  store. The total charge ( for two photo envelopes, each sent to different addresses ) came to a total of {$32.00}, per my credit card statement for the month of XXXX. I used a rather unique combination of my name and my partner 's name ( we do not share a last name ) to send the envelopes. 
On XX/XX/XXXX, I received a collection notice from Transworld Systems , Inc dated XX/XX/XXXX, addressed to the same unique combination of my & my partner 's names, stating that we owed a debt of {$1000.00} to XXXX, and that XXXX had turned the debt over to Transworld Systems. At no point prior to this had XXXX  tried to notify me of any outstanding debts, nor was there any indication that there would be any further charges after I paid to ship the envelopes. I am sending a debt validation letter to Transworld Systems today, but I have read that they unlikely to remove the debt ( or will likely just send it back up to XXXX ) without me filing a CFPB complaint, as well. I will also attempt to file a police report later today.