davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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: NAVY FEDERAL CREDIT UNION (WA)

We had two vehicles with Navy Federal. My ex and I began going through a divorce, which directly stated the separation of our vehicles. I was advised on several calls, even with sending in a copy of the divorce decree that I could sell my vehicle and they would pay what is was worth. 

I was advised on multiple occasions, even 3-waying my ex to state the terms that once the vehicle was sold and paid off by Navy Federal the remainder of the loan would NOT report any longer to my credit and that I could pay the balance about {$5000.00} for transfer fees and cancelling a loan by calling or going into a location because it became a loan without collateral. My ex agreed after about 6 phone calls with reps and supervisors stating the same thing and we sold the vehicle back to the dealership we purchased it from. This is the ONLY reason he agreed and signed. 

We told Navy Federal up front we would allow it to get repossessed to separate it and let it fall off because we no longer would have the car to continue making car payments on and they gave us this option. They did the exact opposite, lying over months to us about what would happen once we gave it back. We no longer have the vehicle and a new loan hit our credit saying a loan with no collateral and the balance is {$26000.00}. I am now a single mom of three with no vehicle and they are telling us when we called to see what happened that I still had to make the monthly payments ( the same as when I had the car ) until the loan is paid off. 

He immediately asked them to give me the care back and they refused saying they already paid the dealership. My heart is broken and now I have two car payments one for a vehicle that no longer exists and then for my ex because they did not take me off of his car once I sold mine. It turned into he has to refinance and qualify on his own and we asked that specifically before all of this mess. Now I am out of a vehicle and can not qualify for another due to credit and all the late payments they hit me with during this.
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MT)

I received a letter that my Federal Perkins loan with ECSI are due on XX/XX/XXXX. Due to Biden 's memorandum, the government website states all Federal Perkins Loans, under ED and not under ED are included. I recently XXXX XXXX XXXX  and just was able to secure a part time job after dealing with the medical treatment she needed as well as the loss. I asked if they had income driven repayment plans, and they said no. How can they expect people to afford hundreds of dollars of payment every month? They mentioned a forbearance, but I have been doing that for the past 3 years and it has built up unreasonable interest and I can't do that any longer.
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (CA)

I went to the XXXX store to inquire about getting a new XXXX   and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

I went on vacation to XXXX XXXX I was conned into watching and listening to a timeshare presentation the woman lied and said timeshares had changed and I could use my new XXXX anytime I wanted and it basically I could live there and thats what I thought that I was signing which was an inaccurate and I have a copy of the contract and this is not what I agreed to and I will never pay them any money they conned me and took advantage of a person with a XXXX on my vacation
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am extremely disappointed to receive the same response to my complaint regarding the restrictions placed on my accounts with your company. The lack of urgency and consideration for my situation is unacceptable. 

As I have previously stated, my account was restricted due to an old account number saved for payments that had not been updated, causing payments to be returned. I have attempted to provide documentation and proof of my current account, but Capital One required a statement within the last 60 days, which was not possible as my account had been closed, and I had opted for paperless billing. 

Despite my attempts to provide documentation and proof of my current account, including statements from my new bank and account, Capital One has insisted that the only way to unrestrict my account is to provide a statement from XXXX for XXXX XXXX for XX/XX/2022. As I have previously stated, this is not possible as I have switched banks from XXXX to XXXX, and I opted for paperless billing with XXXX. 

I want to reiterate the urgency of this matter, as my account has been subject to unauthorized fraudulent transactions that have reached their limit, and I am still making monthly payments for these transactions. Capital One has refused to address the fraudulent transactions until my account is unrestricted, yet they have not provided any assistance in unrestricting my account. Each time I have contacted Capital One, I have been referred to a special department that says they will review my account, but it has been almost six months, and there has been no resolution. 

I want to emphasize that I still do not have access to the XXXX statement for XX/XX/2022 XXXX XXXX, which is required to unrestrict my account. This situation is causing undue stress and affecting my mental health. Additionally, my credit score is being adversely affected, which is impacting my ability to obtain financial services and products. 

It is unacceptable that Capital One has not provided an alternative solution to address this issue. I demand that you take immediate action to resolve this matter and unrestrict my account. I also request that you provide compensation for any financial losses that I have incurred due to your company 's negligence and lack of assistance. 

I hope to receive a prompt response that addresses my concerns and provides a solution that takes into account the urgency of this matter.
Consumer complaint received 2021-03-26
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. (FL)

My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved.

This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances.

Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard (WA)

On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this. 

I have been harassed by flurries of threats and motions/ correspondence by XXXX  XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy. 

My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX. 

I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract. 

The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

NOT A DUPLICATE!! In regards to previously submitted cfpb complaint id # XXXX ( which was closed due to concerns authorization ) .. I'm XXXX XXXX XXXX, attached is identifying documents. Drivers License, Social Security Number and letter sent from Transunion to my address. Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all. 

This was your response to my previous complaint # XXXX, which was closed with prejudice and the quoted response : Authorization needed STATUS Company responded there is an unauthorized third party on XXXXXXXX What does this mean? Who is the unauthorized party? And if unauthorized party is in regards to someone else, this further establishes my argument of Fraudulent Activity on my accounts, as well as Identity Theft. Someone needs to get in touch immediately to address my concerns with the information reporting in association with my transunion credit report File # XXXX!!!
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (VA)

I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcXXXX XXXX XXXXXXXXwhich they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXt was sold to XXXXXXXX XXXX XXXX  their sister company..it 's not with XXXX XXXX ... .nothing but stress and years of them taking advantage of me..
Consumer complaint received 2022-03-31
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: Healthcare Receivables Group, Inc. (SC)

Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TNXXXX  ( XXXX ) XXXX HEALTHCARE RECEIVABLES Original creditor : XXXX XXXX {$1900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Consumer complaint received 2022-07-04
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. (NC)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigate consumer report '' means a consumer report report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 181 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
Consumer complaint received 2022-07-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # 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
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

On several occasions I've tried to have Navient reduce my monthly payments. For months I begged and tried to explain my situation to Navient. I eventually fall behind. The only thing they offer me is the a temporary rate reduction plan. Where for 12 months my interest is lowered to about {$75.00} a month. I've completed the program twice now and each time the amount of my loan increases. The loan was originally for {$5000.00}. I owe about {$10000.00} now. My cosigner is unable to help due to her own illness and unable to work and they still refuse to do anything but keep putting me back in the rate reduction program. I would like to get my payments down to about $ 95- {$100.00} where I can actually afford them. I am currently behind {$240.00}, I believe I'm 2 months behind. I'm currently back in school for my XXXX XXXX and they refuse to do an in-school deferment either. They also call me at least 4 times a day and they also use this company XXXX XXXX to disguise their number just to get through to me, even though I've already talked to Navient for the day and told them I was at work and couldn't talk. They keep offering me the rate reduction program but all it does is increase the amount of money I owe them.
Consumer complaint received 2022-07-04
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)

The complaint is in reference the accounts of : XXXX XXXX XXXX which was closed XX/XX/XXXX with a balance of {$3600.00} and XXXX XXXX XXXX XXXX XXXX account for {$3100.00} I had could not keep that account open during COVD and could not make any payments. I continued to recieve calls and letters from the company even after i had expressed my situation. This was removed from my credit report and XXXX XXXX showed up with a different balance. I disputed this not knowing what it was and then XXXX Bank showed back up on my credit reports again along with XXXX credit that would not quit sending me letters until i had a 3rd party send a response. XXXX XXXX had was not reporting to all 3 bureaus until it was disputed and removed and now they are reporting again. 

According to the law, my credit is supposed to be private I did not give either one of these companies permission to put this information on my credit and had a third party send a letter accordingly. The both reported that they meet the fair credit reporting act with no other response.

[ 15 U.S.C. 1681 ] States I have the right to privacy The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX XXXX was in communication with me and 3rd party letters when they sold this debt to XXXX. 

Again, i have given neither one of them permission verbal or written to share my information. All of my information and the letters of communication they sent is with Dispute my client. I forwarded it all to them, but they only work on things for 1yr. Meanwhile i still received calls from both of these companies but declined to answer. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed. 
XXXX XXXX also shows on my Experian report that I went from a {$3100.00} balance in XX/XX/XXXX to XXXX $ balance in XX/XX/XXXX. This is different from the other reports and different from the last time they reported.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NC)

In XXXX XXXX sent a fraudulent gold card in my name. I did not find out until XXXX. I filed for bankruptcy in XXXX. In XXXX I called to get statements to pay the cards off and they sent me more statements then I had cards and that is when they told me about someone calling saying they were me to send out a card. Well I paid it not know because they never told me what card I was paying just the amount due. The last time I used my gold card was XX/XX/XXXX. They have removed the charges but I'm still waiting on a refund for the payments I made. The have copies of all statements showing my payments but nothing. In is going on XXXX years the keep telling me the back office is working on it and there are no updates. I have reported it to their complaints department many times and nothing. They keep telling me they will have someone call me and no one has ever called me this whole time. XX/XX/XXXX is when I reported this and to this day no one has called me. I want my money back is is well over a XXXX dollars I have paid on charges that I never made
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

Bam Trading Services Inc. ( DBA Binance.us ) held my wire deposit since XX/XX/21 without any proper explanation. There customer service is only available through email tickets. Their last response to me was XX/XX/21 asking for more information which I supplied immediately. A domestic wire is suppose to be same day, it's now 20 days. 

Their ticket number is XXXX
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are amongst the list. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.