davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On Monday, XX/XX/XXXX, I visited a Navy Federal branch in XXXX, VA and deposited a check from the U.S. Treasury in the amount of {$100000.00}. The teller informed me that the funds would be available the next day.

The next morning, I received an email from NFCU stating, " We're delaying {$100000.00} of your total deposit of {$100000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called Navy Federal and e-messaged them on numerous occasions to understand why they determined this check to be uncollectable. Navy Federal initially claimed that this information was confidential and could not be released, but on Thursday, Navy Federal stated that the funds were scheduled to be released on Saturday, XX/XX/XXXX. Once Navy Federal essentially admitted that the funds were being held due to the dollar amount and not because the check was deemed uncollectable, I asked Navy Federal for access to {$5500.00} because I believe that 12 CFR 229 requires release of {$5500.00} of the deposit by the second business day ( Wednesday ) when the reason for the funds hold is a large deposit. ( XXXX XXXX XXXX XXXX XXXX ) Navy Federal refused this request and claimed that 12 CFR 229 does not apply to its organization. Navy Federal stated that its own policies and determinations are how it runs its business.

I encourage CFPB to obtain Navy Federal 's recordings of the phone calls I had with them, in addition to copies of the e-Messages I had with Navy Federal.

I would like CFPB to request from Navy Federal for evidence supporting the " reasonable cause '' for flagging my deposit as uncollectable, and I would like CFPB to determine if that determination was legitimate treatment of a US Treasury check.

I would like CFPB to evaluate whether Navy Federal should actually have classified my deposit as a " large transaction '' instead of as an " uncollectable transaction. '' I would like CFPB to evaluate my claim that Navy Federal should have provided me access to {$5500.00} of my deposit by the second business day.

I contacted NCUA regarding this matter, but NCUA referred me to CFPB.
Consumer complaint received 2020-07-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.
Consumer complaint received 2020-07-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report on or around XX/XX/2020. I noticed many items on my credit report that was not correct. 

The following accounts : US DEPT ED Account # XXXX DEPTEDXXXX Account # XXXX I submitted a dispute with all three bureaus specifically regarding two reporting of student loans. The accounts were reported as a charge off with a balance. I uniformed the three bureaus that the information displayed was not accurate and to remove from my report. I disputed with all three bureaus on the follwing dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Each time receiving a quick response of being verified. I requested that they inform me of where they verified the informartion, but was unsuccessful at receiving that information. I filed a complaint with the Attorney General and they took the dates I provided and said they conducted investigations on the dates I provided and they will contact the bureaus. I waited a month to get additional feedback and have not received it. This information is not accurate and is affecting my life. I have asked several times that my credit profile be updated and removed from my report and seem to just receive more automated reponses.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control (CO)

I am writing in regards to the continued scam your company formerly know as XXXX XXXX XXXX agency is running With XXXX XXXX of XXXX XXXX XXXX. I will be reporting you to the Colorado attorney Generals office. This is harassment. I have more emails of proof I will be sending. People keep telling me this has been taken care of, those of which include XXXX XXXX Of XXXX XXXX where I lived for 6 years and paid for parking every month on time to XXXX XXXX of XXXX XXXX XXXX. Then XXXX XXXX of XXXX XXXX XXXX company, who said he was not allowed by law to respond via email but called me on XX/XX/2020 at XXXX, and also told me this will be taken care of and not reported to any collection agency. Below is an email correspondence with XXXX of XXXX XXXX, saying the parking violation in which I paid {$95.00} per month for almost 6 years was taken care of by XXXX XXXX of XXXX XXXX XXXX. I received a violation for not having my parking tag displayed. XXXX had stapled a paper over my parking tag for the month of XXXX, I never saw the parking tag hence why I did not have it displayed, ( first time in almost 6 years ) regardless I was paid in full for parking at my residence located at XXXX XXXX XXXX XXXX XXXX, co XXXX. Your agency now called agency of Credit control , inc. and the fact that XXXX of Agency of Credit Control , inc. couldnt tell me even what this is regarding, while I know what it is because this has been going on for way too long. How can a company send a letter requesting money from me when they have no idea what it is regarding? This is clearly trying to reopen cases, this is fraud. I ask that you stop harassing me immediately.
Consumer complaint received 2020-07-01
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)

The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX
Consumer complaint received 2021-03-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a loan that is serviced with Shellpoint Servicing, and the initiating loan company was XXXX XXXX XXXX in XXXX XXXX. When I call Shellpoint, the representatives tell me I have a commercial loan product and they will need to transfer me. They transfer me to a voicemail message that never returns my call. Also, their website does not function on the computer regardless of browser, and I have reported it to the company many times and they say they are working on it with no resolution. 
I recently found out that my property taxes are late. Not only are they past due but they are delinquent. When I purchased this property over XXXX dollars was collected for impounds. I have made my full payment each month on this loan, with the requirement of an escrow account, I have paid for taxes and insurance with my monthly payment to Shellpoint. There is no reason my taxes should be late or delinquent other than Shellpoint not managing my escrow account properly. 
I need help resolving this issue as I can not get ahold of anyone to help me at the company. Also fees have been accessed by the county for late taxes of which I should not be responsible for. Please help me get this cleared up. I have made all my mortgage payments on time with escrow payment, and now have tax consequences for the servicer 's errors.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had a credit card in 2008. The limit was XXXX. I authorize the credit card company to take {$25.00} a month out of my bank account until the balance was paid in full. About a year later I received a bill stating that I now owed over {$500.00}. I asked how that was possible since I was paying down the balance for a year, they told me they added membership fees, annual dues and late fees which increased the balance to exceeding the credit card original limit. I disputed the amount owed. They removed the debt from all three credit bureaus. Yet they continue to harass me. They have called employers, family members, sent letters. They call all the time to the point where I had to block them. They have even threatened me. It has been over 10 years and they continue to contact my employer and harass me. I am suffering from emotional breakdown from this. please stop them.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

This account / information is over 7 years old and wont go away. 

Source : Experian Date Submitted : XX/XX/2021 Estimated Resolution Date : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : Correspondence Team XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2021-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-09-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my TransUnion report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my TransUnion and XXXX  report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my TransUnion and XXXX  Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX XXXX Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.
Consumer complaint received 2020-07-01
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. (CA)

I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
Consumer complaint received 2020-07-17
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. (MO)

I began trying to get my credit straightened out in XXXX of this year. I paid close attention, ( checking my credit daily ), to what was going on with my credit. In XXXX of 2020, I noticed an inquiry from XXXX XXXX, which I did not make. I sent notices to the three credit bureaus an XXXX XXXX. Around the end of XXXX I received a letter from XXXX XXXX  that contained information on who to contact if the inquiry was truly not mine. Around XX/XX/XXXX, I contacted the fraud unit at XXXX XXXX  and they sent notices to the three credit bureaus. Two of the bureaus, XXXX XXXX and XXXX  immediately removed the inquiry from my report, but Experian as of this date has still not taken action to correct the information. As a matter of fact, my score with Experian has been slow to improve, as they appear to drag their feet when addressing issues that are pointed to them. When XXXX XXXX  notified the credit bureaus of the fraud, They did so by computer, so the information was there when it was transmitted.
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: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2020-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian will not accept my dispute to XXXX XXXX. Theres no account number it shows all XXXX. Im not even sure if its mine at this point. The date they claim it was opened is the same date they started reported it.
Consumer complaint received 2020-07-01
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: Exeter Finance, LLC. (CA)

I recently paid off a vehicle loan. To my suprise the lending company issued a 60 day delinquency againt my credit report. I have not missed a payment in 5 years. I have not received my vehicle title from loan company. I have atempted to speak to company representative /supervisor but No superior is ever available. Ive called company 3 times to get vehicle title. The company claims title was mailed on XX/XX/XXXX. It is XX/XX/XXXX I attempted to resolve issue with lending company but no resoluton was reached. I sent dispute to three credit reporting companys but issue was not resolved. My credit score dropped over 80 points. My credit score is now in the low 600 's
Consumer complaint received 2018-03-11
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. (OH)

XXXX XXXX is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Consumer complaint received 2020-07-17
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. (GA)

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM XXXX TO XXXX. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.