davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (IA)

40+ years ago, i was a member of Navy Federal Credit Union . somewhere between 30-35 years ago i filed for bankruptcy and NFCU was one of the debtors i claimed. Fast forward to 2021. I have rejoined Navy Federal Credit Union, paid my {$5.00}, sent in all documents required to rejoin. I rejoined because of their low interest rates. Two weeks ago i applied for a NFCU credit card on line and was denied. ( i have a credit score of XXXX ). Yesterday i received a letter saying i was denied because " you created a loss to Navy Federal Credit Union '' ( the amount they lost was less than {$400.00} if i recall ). I called NFCU and talked to a rep and ask why i was being denied a credit card on a 30+ year old bankruptcy. Her reply was, well you can write us a letter and appeal our decision, but i doubt that you will win. 
How can they hold that against me after 30+ years?
Consumer complaint received 2020-11-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-12-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (HI)

Complaint against XXXX XXXX XXXX XXXX XXXX is Publicly traded on the XXXX XXXX XXXX XXXX under the ticker XXXX and is structured as a real estate investment trust. 

They are externally managed by in affiliate of XXXX XXXX XXXX XXXX. 



XXXX XXXX and XXXX XXXX XXXX engaged in mortgage back securities to defraud investors which is a federal crime. 



XXXX XXXX and XXXX XXXX XXXX fraudulently created mortgage back securities to defraud investors. Please see attached letter from XXXX ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from XXXX claiming they transferred dated XX/XX/XXXX to XXXX pass-through XXXX XXXX. 

The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX XXXX fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through XXXX XXXX see attached ( exhibit 3. ) New residential loan servicing and XXXX loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under city bank as trustee in Hawaii land Court bureau of conveyance. 



The consumer financial protection bureau and Securities and exchange commission should Immediately investigate XXXX XXXX And XXXX loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. 



If XXXX XXXX is trustee for the XXXX Passthrough XXXX XXXX then new residential and XXXX loan servicing need to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. 



I am asking the CFPB to immediately look into these fraudulent mortgage back securities that new residential, XXXX, XXXX XXXX XXXX and Shellpointe are engaging in. Im asking new residential servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee as required by the pooling and servicing agreement.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2024-03-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP (AZ)

US bank as well as has been giving the run around I have been trying to get to my money has disappeared into other as well as us Bankcorp I opened the account in XXXX  and somehow my money disappeared into other business accounts and the keep giving me the runaround. I have called at least XXXX times. I keep getting kicked out of the mobile app. I need help
Consumer complaint received 2022-04-26
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. (CA)

XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )
Consumer complaint received 2022-04-26
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. (CA)

XXXX {$1400.00} Account # XXXX ( This account does not belong to me XXXX XXXX XXXX XXXX {$6200.00} Account # XXXX ( This account does not belong to me ) XXXX  {$100.00} ( This account does not belong to me XXXX XXXX XXXX XXXX {$35000.00} ( This account does not belong to me )
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (NC)

I received a debt collection letter from Professional Finance Company , Inc. for a total amount of {$250.00} pertaining to medical charges they indicated were from XX/XX/XXXX. The original charge was indicated as being from XXXX XXXXXXXX XXXX XXXX 

My wife and I have made multiple attempts over the course of the past year to obtain a mailed copy of an itemized bill from XXXX XXXX as required by my XXXX XXXX prior to submitting any payment. On the most recent contact ( XX/XX/XXXX @ approx XXXX XXXX XXXX via telephone at XXXX ) to XXXX, I was advised that an itemized copy of the bill could not be provided and then hung up on by the representative to " assist other customers that she can actually help ''.
Consumer complaint received 2021-08-23
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: ECMC GROUP, INC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-08-23
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: Navient Solutions, LLC. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (IL)

I have a car loan with well Fargo bank from XXXX to XXXX, I believe the bank owe me some money, I would like to receive settlement with well Fargo bank. Please help me with it, thank you very much
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX  XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (CA)

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Consumer complaint received 2021-10-11
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: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 American Express placed a hard inquiry on my XXXX credit file for an account that has not yet been opened. It hasnt been opened because they are requesting banking information. I am a consumer, this is an open end credit plan and these additional requests are misleading, fraudulent and a direct violation of my federally protected consumer rights.
Consumer complaint received 2021-01-28
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-01-28
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX told me their 3 rd party so they shouldnt be listed on my credit report it was XXXX XXXX that madr claim and they should br listed not XXXX so i contacted XXXX and they have nothing to do with this being listed and XXXX XXXX who just cares about selling XXXX their product so this remains inaccurate
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I have had a free checking account with America First Credit Union for a number of years now and just got told that my free checking is going to be upgraded to a premium checking with a XXXX a month fee. I didn't get asked, I got told. They are automatically upgrading me without my consent. I can't afford to get charged a XXXX a month fee that could cause me to overdraft. They are forcing the upgrade without my consent. I'll either have to close my account or wait for the upgrade and try to downgrade back to free checking once they upgrade me. This is not okay with me. I did not agree to this.
Consumer complaint received 2018-10-02
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. (TX)

I sent in several written notices to Transunion, XXXX, and XXXX within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/23 I initiated a wire with Chase Bank for an equipment purchase for {$20000.00}. I quickly learned that the intended recipient had their email account compromised and the wire information was change to a fraudulent account resulting in me sending funds to a fraudulent XXXX XXXX account. 

I immediately issued a wire recall and opened a case with Chase Bank. I have inquired multiple times on the status with the case with the Wire Recalls department and they instruct me that a " Hold Harmless '' letter is being required from the receiving ( fraudulent bank ) and I must contact the Chase Claims department. When I call the Claims department, they inform me that they do not issue Hold Harmless letters and I need to contact the Wire Recall department. 

This has been going on for nearly 2 weeks and each time that I call in I get a runaround answer and end up going in circles. My fear is that this case will be closed if the proper documentation is not issued by Chase bank to recall my fraudulent wire. 

XXXX XXXX wont speak to me since its not my account ... But clearly this wire should not have even been successfully processed if it was sent to an account that did not a have matching business name/address to the account/routing number. 

Thank you
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (CA)

- Received a collection letter from Torres Credit Services , Inc on XX/XX/2021 states that I owe XXXX XXXX XXXX XXXX XXXX the total amount of {$38.00}. 
- Called Torres Credit Services right away and asking for more details. They have a lot of my personal information including my full name, email address, phone number, last 4 digits of social, three addresses I lived in the past two years, the account number I had with XXXX, etc. to make the whole scam sound somewhat " convincing ''. The story on their side is I owed the unpaid utility bill when I moved from one unit to another in XXXX XXXX ( which should be XXXX XXXX  XXXX, not XXXX so that is suspicious ). I asked if that's true, how come I didn't owe money to XXXX XXXX XXXX but XXXX. They explained that XXXX XXXX XXXX outsources their utilities from XXXX, and that's why I owe money to XXXX ( that is suspicious too since I'm having business with XXXX XXXX XXXX, why do I care who they outsource their business to, and even if I do owe them money. It should be between me and XXXX XXXX XXXX, so I asked the account # on XXXX that they " claim '' I owe money to. 
- Called XXXX and gave them the account # I got from Torres Credit Services, and XXXX told me that I don't owe them any money but there is nothing they can do on their side to clear things out. 
- Called Torres Credit Services again to dispute the charge. 

Things that worry me a lot are, - where did they get all my personal information? 
- what are they going to do with my personal information in the future? Or what have they done with my personal information that I haven't noticed?
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have disputed 2 accounts with all 3 credit bureaus none of which were addressed. They came back and said the information was verified but did not provide verifiable proof of the debts belonging to myself. I sent certified letters to the collection companies as well and have not heard back from them. The accounts are XXXX XXXX and XXXX XXXX. I am sure you have heard of both with them having to do with collections. I did not give any authorization for my info to be given to these collection agencies regarding medical bills. The amount for XXXX XXXX is {$1700.00} and the amount for XXXX XXXX is {$1100.00}. I have reached out numerous times but nothing has been resolved. I am asking that these accounts be removed and deleted from my credit reports immediately due to unverifiable proof not being provided and no response from the collection agency with proof. I disputed with XXXX, XXXX, and TransUnion and they all said that it came back verified but did not provide proof. Anyone can just match numbers up with accounts or just get the info from an outside third party and not really do any digging. I am asking that you address this matter Please.
Consumer complaint received 2021-06-24
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: Experian Information Solutions Inc. (CT)

I sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX