davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX  XXXX  in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. 

The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. 

The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid.
Consumer complaint received 2022-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

On X/X/17 I mailed a letter to the company asking them to remove an inquiry from my report because I am sure that I did not authorize it. I mailed it to the address the company provided to the Credit Bureau that they pulled the inquiry from. USPS returned the letter to me with a sticker attached that read, " Return to Sender - Attempted not known -unable to forward ''. This means that the company is not providing the credit bureau or consumers with an accurate address in which to inquire about or dispute information inaccurately being reported. This is completely unfair to the consumer and a clear violation of my consumer rights. 

I have attached a copy of the envelope with the notification from the postal service, a copy of the letter sent inside, and a copy of the address reported to the bureau, pulled directly from the report provided to me.
Consumer complaint received 2017-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt. I was sent a detailed summary of procedures that was rendered which is a violation of HIPPA Laws which is still not a contract baring my signature.
Consumer complaint received 2021-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MO)

I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Transworld Systems Inc. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996
Consumer complaint received 2017-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
bought old debt. Garnished bank account without notice. Took {$410.00} on XX/XX/17
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. ()

XX/XX/2017 XXXX XXXX XXXX Charge {$10.00} I noticed this charge on my credit card statement, has been charged each month for a year. I never approved it, when I called the number listed they were not able to " find any customer info at this time '' and assured me they would get back to be as soon as possible and took my address and phone number. I want my money, I requested a refund of all charges over {$100.00} easy. 
I have documents if needed.
Consumer complaint received 2020-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Was previously with Navient during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Navient, not only are they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Navient advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my forbearance my total owed sky rocketed to almost XXXX owed and the explanation given from Navient was that it included interest accrued while I was enrolled in school.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

fourclosed on by PennyMac XXXX XXXX XXXX affordable mortgage mod. trail end XXXX XXXX approved for mortgage modifacation signed doc XXXX have made all payments PennyMac says modifaction, has not been excepted you are in fourcloser XXXX We have made our payments as per modifacation Asked where are the payment going? 
We are told to pay for fourcloser. 
We told them, the fourcloser was dismissed. 
PennyMac says no it was not. XXXX We have never recieved accuarate numbers from PennyMac We have been over charged, by inspection fee The inspector tells my nieghbors we are in fourcloser Mortgage sold again XXXX
Consumer complaint received 2017-10-18
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. (TX)

I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Consumer complaint received 2024-02-19
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. (TX)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account NumbeXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2022 EXP XXXX XXXX XX/XX/2022 EXP 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upgrade, Inc. (MI)

The Credit Bureaus have not been reporting my Upgrade account timely. The last reporting was on XX/XX/2022. There is no XXXX update, today is XX/XX/XXXX. The Credit Bureaus claim UpGrade has not provided them with an AUD since XX/XX/2022. 
Therefore I must ask and request the following information : Does Upgrade provide monthly updated account information to XXXX, XXXX and XXXX? 
If Upgrade has Provided account information since XX/XX/2022 I am requesting a copy of the AUD ( Automated Universal Data., or AUD, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An AUD is used by Data Furnishers who send it using XXXX to all of the credit bureaus. ) If Upgrade did not provide the Credit Bureaus with updated information for my account I am asking why not and what is their reporting policy. When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation XXXX not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 
18. Invasion of Individual and Family Privacy
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

It let a XXXX young man stay in my home in late XX/XX/XXXX, who got a hold of my home depot  credit card. He started to use the card XX/XX/XXXXto buy himself expensive tools and power - equipments without my knowledge and also signed for the charges at the checkout. 
It was n't a big charge and I never thought that it was n't my charge. After receiving the statement I just went to pay the bill without any question. Home depot recognized that it was n't my signature but did n't let me know. When in later statements I was charged for more expensive items I called home depot and asked them to itemize the charges for me because I did n't recognize any of those. After the phone call I started a dispute against the charges.
Home depot given credit for those charges this time, but on XX/XX/XXXX I received a letter from home depot in which I was informed " we have rebilled your account and consider our investigation closed ''. 
Their decision was based, in part of the following : .... The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 

On XX/XX/XXXX I filed a police report about multiple credit card charges. 
Of all the credit companies, only homes depot who holding me responsible for the charges because " the person who used your card was living in your home, so you 're responsible ''. 

Yes, my card was used, and I was victimized by the person who used the card. 
But now I 'm victimized again by the credit company to pay for something charged by the thief and those items are not even in my possession! 

I really do n't think that it 's fair to pay for something I did n't buy or charge..
Consumer complaint received 2017-06-28
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. (GA)

XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AL)

Complaint # XXXX was filed against IC System and I received a very vanilla response to my concerns about them trying to collect an unverified debt. I have no idea what this debt concerns. I spoke with this company and they came to the conclusion that the address is incorrect where any so called notices were sent. CFPB you have my correct address so please ask them to verify it. I also requested them to send me any information used to verify this debt and what methods they used to verify it. Nothing was provided to me. I never used XXXX 's services and never will. I now have a paper trail and will definitely contact a lawyer and sue I C System, they are used to it by now.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a form letter from Bank of America at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called BOA immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other BOA services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called BOA to ask why, they informed me that the XXXX required me to furnish BOA with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP (CA)

I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 'm complaining about Credit bureau Transunion. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and everytime someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Transunion about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report : XXXX XXXX ( X/XX/17 & X/XX/17 ), XXXX XXXX XXXX XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX XXXX ( X/X/17 ), XXXX ( X/XX/17 ), XXXX XXXX-Credit card ( X/XX/17 ). <P/>Second dispute with Transunion was two public records ( bankruptcies ) on my credit report. I spoke with a customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the two public records again with Transunion and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer service rep and he stated that Transunion never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Transunion, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Transunion need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
Consumer complaint received 2021-09-06
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. (MD)

US DEPT OF EDU Account # XXXX Account # XXXX STATE OF MD Account # XXXX Account # XXXX I did not open these accounts. I was never made aware of the opening of these accounts. I have never knowingly paid any money toward these accounts. These fraudulent accounts are being inaccurately reported by XXXX, Transunion, and XXXX. US Department of Education and State of MD CCU are harassing me for payment but have never responded to my disputes or validated these debts. It has been well over 60 days since I disputed these accounts. I have not received a response. Remove these account immediately or I will sue. My right to privacy has be violated repeatedly. I have not gave anyone permission to furnish this information on my consumer report. My information has been violated by the XXXX Data Breach. I am a victim of identity theft. This information needs to be removed IMMEDIATELY.