davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I contacted the Navy Federal Credit Union after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score. I have other pre-approvals by other lenders but Navy Federal has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I have multiple accounts with Navy Federal as well as credit cards. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.
Consumer complaint received 2021-02-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I previously submitted a complaint to this agency. I was answered by the bank, however my original complaint was not addressed nor was the correct information submitted to me by the respondent. I'm submitting a new complaint to once again address the overly obsessive price of lender placed insurance from Bank of America on my loan modification. 
A representative by the Name of XXXX XXXX answered my original complaint with information that was from XXXX that had nothing to do with my XXXX loan modification for which my complaint was concerning. Im still seeking the bank to honor my XXXX loan modification and its purpose to make my home affordable. Mainly to honor its RESPA and Truth in Lending along with the GOOD Faith. Im just asking for Bank of America to be fair and honor my contract that was signed in XXXX
Consumer complaint received 2021-06-03
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Consumer complaint received 2020-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

Today XX/XX/2020 I received a Call From CCS Offices from Phone Number XXXX I told the guy I was at work he claimed he could't here me. He told me XXXX had but me in Collections for XXXX bucks give or take. I educated him I never Received an Action Notice or a notice how I can Dispute and told him XXXX  Owned me money. He said I'm not working for you! XXXX obnoxious guy I wish I would never speak to this company again. I do not want this on my Credit I been trying to pay all my bills and buy a home.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone has withdrawn and stole more than XXXX on my XXXX account. I found out 2 weeks ago when I was trying to get cash in XXXX XXXX XXXX XXXX XXXX. ATM machine wont let me withdraw because it says Ive reached my limit for that day which I didnt. So I called Bank of America and it was confirmed that someone was getting a XXXX dollars everyday for six days. 
After trying to call the claim department for total of 20 hours or more, falling in line at he bank, emailing and sending messages through messenger I was able to file a dispute. And found at after a week in mail that it was denied! I am pretty sure if they even bother to investigate my dispute they will find out that my money was stolen. I filed for unemployment benefits because of COVID and its all the money I have.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

XX/XX/2019 - {$25000.00} Loan is approved pending pay stub docs submission. 

XX/XX/2019 - contacted via phone to get info on loan and what is needed to complete approval process. 

XX/XX/2019 - contacted via phone that I sign up for membership and ensuring pay stubs are submitted and discussing whether to either have approved loan check delievered or drive to nearest branch to pick up check. They do not do direct deposit. 

XX/XX/2019 - I drive to branch to have branch manager tell me because of no debt on credit report and my reason for loan was bill consolidation was because I was denied. No one higher up would speak to me or whoever branch manager talked to that made this decision. 

Part 2- called Penfed 1 800 number to call highest level of management. I was able to get a hold of supervisor.

He informed me the loan officer was worried of giving someone that amount of money with limited credit history. Despite me being XXXX score and everything being approved. They would not let me speak with a loan officer. 

I was mislead to believe I was approved for a loan and to either get check mailed to me or go to branch. I went to branch to be told I was not approved for loan afterall.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo is attempting to collect on a closed checking account number XXXX, the amount of {$190.00} I believe. This amount includes a debit card purchase dispute in amount of {$290.00} from XXXX for an item I did not receive, sent via XXXX with a forged signature. As explained in prior CFPB complaints, XXXX driver has a habit a forging signatures, leaving packages where they can be lost/stolen, item never received. XXXX accepts signature as mine, despite forged by driver.. As stated before, I do not pay for items not received, will not pay amount of {$190.00}, Wells Fargo needs to cease and desist collection attempts, remove debt from account.
Consumer complaint received 2020-06-02
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. (LA)

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX  XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

PDQ services continues to add things to my credit file despite not being able to furnish signed paperwork of any agreement between myself and themselves. I have never lived at a company called XXXX or signed and agreement with XXXX. I do not owe them money. This is illegal and its still on my credit report despite multiple disputes and attempts to resolve with the company directly. This account was added to my credit report on XX/XX/XXXX. I immediately disputed it on XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX, XXXX and they could not furnished any agreements but XXXX, XXXX, and XXXX allowed the account to stay. The account was removed once on XX/XX/XXXX but then placed back on without my knowledge.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have tried to work this out with certified letter to credit bureau. The items do not belong to me. XXXX Bank, XXXX XXXX Bank, XXXX Bank XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I am asking for my signature on these documents or proof that items belong to me.
Consumer complaint received 2023-02-10
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-09-15
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)

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On the dates listed above XXXX the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XXXX XXXX XXXX and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have two bankruptcies reported on my credit report. I reached out to XXXX XXXX and they wrote me back stating they did NOT give my information to anyone. So I am asking for those two inquiries/reports to be removed from my credit report.
Consumer complaint received 2023-04-02
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. (SC)

In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 
Once again my rights are being violated and illegal practices is taking place. 
I have not given Any company written or verbal consent to do so.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NV)

I have been getting multiple calls several times a day from different phone numbers. But all the different phone numbers belong to an organization called Cedars Business Services. This has been going on for a few months now. They leave messages from different numbers telling me that I have to call them. They have also texted me. I do not know what they are talking about and do not owe any debt to them. I have tried blocking them form my phone but they call from various, new numbers every time. This is extreme harassment and needs to stop. Please help me.
Consumer complaint received 2021-06-03
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 (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.

2. Identity Theft XXXX  Date of inquiry : 10/22/2020 This is not mine.

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX**** This is not mine.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (UT)

Consumer Portfolio Services has been reporting late payments to the credit bureaus it sends my information to. This reporting is false and should be removed. I have called the company multiple times explaining how this is inaccurate and they tell me it's an issue with their automated reporting that they are working on fixing ; however, these false statements have continued to appear on my report.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (CA)

My employer submits payroll on the XXXX. I am supposed to be paid on the XXXX and the last day of the month. My direct deposit is usually available a day or two before payday. This time it has not even been there in my account and its 1 day past. They have said many things ; no issue on our end, there is a pending Deposit, no there is no pending deposit, we are not having difficulties, we are having issues, will be resolved today, will be 80 % resolved in a few hours, we are working on it and no ETA. I need to pay my utilities ASAP.
Consumer complaint received 2022-04-28
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. (MI)

In Accordance with Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2019 I faxed in a letter disputing the debt. I asked resurgent debt dispute department to send me copies of itemized statements showing the balance of the debt they were reporting on my credit and copies of the credit agreement and have yet to be provided with validation of the balance of the debt they state I owed. I do not owe this debt and would like it removed off my credit report.
Consumer complaint received 2019-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

1 ) Dentist performed and completed dental work without authorization of insurance. Dentist offered me bridge and ssid it was covered after it was done insurance denied it due to previous tooth missing. Dental then charging me for full cost. Insuance advised me not to pay since dentist did not receive authorization prior to work. Had I known it was not covered by insurance I woul have had a single crown which would have been covered. 
2 ) Went to dentist to re glue a crown and covering dentist filed crown and exposed metal on different areas then glued back on. I then went to my regular dentist and told her she lied to me and ssid that was just normal wear and tear! No it is not it was obvious of filing. Besides whennI went in crown was intact and notice at home it was exposing areas of metal! Terrible services and no honesty! Very unsatisfied! Poor communication
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On the XXXX of XXXX of XX/XX/XXXXPayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I have been a costumer since XX/XX/XXXXand never had a problem. I have not been able to get help from them. But I found out that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-07-24
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. (WA)

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NC)

On XX/XX/2022 the company sent me a letter in the mail falsely representing itself as an attorney while attempting to collect an alleged debt for unpaid tolls and fees. The company falsely claimed I did not pay a debt in order to disgrace me into paying them. The company failed to identify itself as a debt collector while attempting to collect this debt. 
I submitted a complaint through the CFPB portal on XX/XX/2022, complaint # XXXX with a letter and invoice attached regarding these violations the company committed against me. The company sent a response on XX/XX/2022 addressed to someone else and the CFPB closed my complaint. In the company 's response addressed to XXXX XXXX XXXX, they violated his rights to privacy by disclosing his personal private information to me. Prior to the company 's response, I had no knowledge of who XXXX XXXX XXXX was. I did not know XXXX XXXX XXXX resided in XXXX XXXX nor that he had two ( 2 ) outstanding fines that he owed on.
Consumer complaint received 2022-04-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions