davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION (SC)

Attached is a copy of the letter I sent to XXXX be XXXX XXXX of the board : XXXX XXXX XXXX PenFed Credit Union XXXX, Board of Directors My name is XXXX  and I have been a member of the PenFed credit union for the last five years maybe a little longer. Ive been very happy with my account and the services you provide until this last month. For reasons that have not been explain to me my account was blocked and from what I understand the account numbers was changed and money was taken out and transferred and more money was put into my savings account and then taken out. I have repeatedly ask for the amount of money that is in the account, to be able to look at the transfers and whats going on. Also my credit card I dont know whether somebody is using it not using it because I can not look at the account. I have call repeatedly asking for the amount of money that is the Account, My Social Security check is sent there and I do not know if I got a check or knot. The only info that get I get is that nobody can tell me anything. And I think youll have to agree that this is not a very good way to run a banking system when you can not transfer money in and out of an account, will not tell the customer how much money is in it. They now tell me that they dont know who I am I sent them a copy of my drivers license social Security card and a utility bill and they still say they dont know who I am. This is the reason Im writing a letter to you with the hopes that you can take a look at it and please just let me get out of this organization I dont want anything else to do with PenFed Credit Union XXXX I am a XXXX guy just trying to get by in life and when you hold up my Social Security money and money in my checking account all its doing is making my life miserable. Please help .... XXXX
Consumer complaint received 2023-08-03
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: JPMORGAN CHASE & CO. (FL)

Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

On or about XX/XX/2022 I purchased groceries from XXXX for {$74.00}. The groceries were not temperature controlled and damaged as a result upon delivery. I first went to the Chase website to dispute the charge, but rather than allow me to file the dispute in writing via their website, they forced me to contacted Chase by telephone to dispute the charge, resulting in an onerous, 27-minute phone call.

They refused to charge back the total to the merchant and unreasonably required me to enumerate each and every item in my grocery order to do so. 

As a result of Chase 's chronic failures to make disputes reasonably practical, I will continue to avoid using their credit cards.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My Capital One billing cycle closed on 4th of every month. Capital One has reported to XXXX twice for the month of XX/XX/XXXX and XX/XX/XXXX. Also Capital One reported twice on my XXXX credit report XX/XX/XXXX, and XX/XX/XXXX. Due to Consumer Financial Protection Bureau rules and regulations Capital One is in violation of the rules, and regulations. I have had this issue before XX/XX/XXXX compliant # XXXX this is a ongoing issue. Please help me resolve this issue and have Capital One to report accurate information with XXXX, XXXX, and XXXX. Account is has a open balance of {$86.00} dollars not {$980.00} dollars.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I Consumer Wright entered into a consumer credit transaction with XXXX of XXXX XXXX on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX of XXXX XXXX took cash. The Finance charge is supposed to include insurance, but XXXX of XXXX XXXX made me purchase insurance separately. 

It is Fact that pursuant to 12 CFR 1026.23 ( b ) ( 1 ) In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumers principal dwelling.

( ii ) The consumers right to rescind the transaction.

( iii ) How to exercise the right to rescind, with a form for that purpose, designing the address of the creditors place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the recission period expires. 

TAKE NOTE : I never received a delivery in the mailing or electric form with my consent informing me of my right of rescission pursuant to 12 CFR 1026.23 ( b ) ( 1 ). If so, can you tell me when you faxed it? Or if you mailed it, can you tell me the tracking number to the package please? If not, that is a clear exhibit that my consumer rights have been violated, and Ive been damaged. Pursuant to 12 CFR 1026.23 ( a ) ( 3 ) If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumers interest in the property, or upon sale of the property, whichever occurs first.

Fact, according to 15 USC 1602 ( I ) in relations to a Credit Sale, The adjective consumer characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person ( myself ), and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

It is a Fact, that I am the consumer and have now given your company a Notice of the Right to Rescind and under 12 CFR 1026.23 ( d ) ( 2 ) it states that 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest
Consumer complaint received 2023-03-24
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, 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 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. The following inquiries were also opened under my social security number fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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: Eaton Group Attorneys LLC (LA)

The original debt was a charged off credit card was a credit card opened in XXXX of XXXX and should have been part of a community property debt. The original credit limit was {$500.00}. Sometime at the end of XXXX the Eaton Group purchased the debt and filed a lawsuit. I was never served or notified of this suit and the judgement was entered when courts were closed due to Covid. Looking at the local XXXX XXXX XXXX complaints it appears 100s of judgements were forced at this time. My employer was served a wage garnishment and originally I didnt even know what the debt was. At the time my employer was XXXX XXXXXXXX XXXX XXXX. Between Child support and this Garnishment my final check with XXXX XXXX XXXX XXXX 90 % of my check was taken which exceeds legal limits. I was ultimately laid off from XXXX XXXX XXXX XXXX because of Covid, but began new employment with XXXX XXXX XXXX XXXX. This employer was served the wage garnishment by the Eaton Group. The amount of court costs is constantly increased along with interest. My family court attorney has contacted the Eaton Group as I have and phone calls and correspondence are not responded to in timely manner and the company is unreasonable with their. Collection practices. The Original Judgement was XX/XX/XXXX in the amount of {$3500.00}. To date in XXXX alone my pay check has been garnished {$2100.00} and my previous employer had garnished at least {$800.00}, my attorney has that check stub at the moment and I am in the processes of receiving. Yet my balance owed on this judgement is still {$2900.00}. I have paid over 300 % of the initial amount borrowed in 3 years. The address for The Eaton Group on behalf of XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX. Phone number for the Eaton Group is XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (CO)

On XX/XX/XXXX I created a Virtual Account Number ( ending in XXXX ) to make an online purchase. I utilize Citis Virtual Account Number feature to set up disposable card numbers to make online purchases to guard against my actual card number being stolen. I had set the expiration date as XX/XX/XXXX and set the spend limit as {$40.00}. On XX/XX/XXXX I received a text and email from Citi asking me to call their Fraud Dept. I discovered that the Virtual Account Number I had created had been used fraudulently. I called Citi and the representative deactivated the Virtual Account Number, but then also told me I had to cancel my credit card and get a new card. I dont understand why I would have to cancel the card the thieves did not have my actual credit card number, they only had the Virtual Account Number. Multiple other charges were attempted using the Virtual Account Number, but they were declined because they were over the {$40.00} spend limit I had set. Only 3 charges, each under {$40.00}, actually posted to my account. I talked to 3 representatives and they all told me the same thing I had to cancel my credit card. This is a hassle because now I have to go contact merchants I have set up for auto-bill and change my card number on file. Why do I have to do this if the Virtual Account Number has been closed? The Citi representative told me I could not dispute the charges that were made if I did not close my card. Reluctantly, I agreed to just close the card. Now it is a week later, and only one of the charges that posted to my account actually shows up as in dispute even though I talked to multiple representatives, told them the 3 charges associated with Virtual Account Number ending in XXXX were not mine, and agreed to close the account, they didnt even flag all 3 charges as disputed and Im not able to do it myself online because I get an error message that I have to call them. Ive already spent 1 hour and 33 minutes on different phone calls with Citi and I can not invest any additional time into this matter. I am extremely frustrated that they made me cancel my card even though all the charges ( and attempted charges ) were made using the Virtual Account Number that has been deactivated. Citi call center representative obviously do not understand the product offerings, to the detriment of Citi customers. The entire point of a Virtual Account Number is so that it can be used to make purchases online and if the number is compromised, its easy to deactivate and you dont have to cancel your actual card.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

I've tried numerous times to pay on my student loan and have been sent back everytime that they successfully took payment, but days later there is a reversal in payment. 
I paid consistently on this loan before 2020 and now they are having reversal. 
I've emailed to them on XX/XX/XXXX and was supposed to hear back by XX/XX/XXXX. 
I'm very frustrated with trying to repay my student loan with Aidvantage. I've seen numerous stories from others concerned with them and there reversal practice. 
It appears they just want to dial up interest on loans by denying repayments.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

They broke consumer laws incorrect information and irrelevant information old phone number old addresses that has no relevances to me currently XXXX XXXX XXXX XXXX MI XXXX is my only and current address and collections accounts Ive never done business with them and they couldnt produce my original contract with my hand written signature I wanted all and everything account thats not relevant or accurate to be removed immediately
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

I am currently XXXX XXXX XXXXXXXX XXXX in the military and was enrolled in the Servicemembers Civil Relief Act ( SCRA ) with American Express on multiple occasions. I say multiple occasions because this is the second time that I have had to deal with this. I have remained on XXXX XXXX since I was first enrolled into the SCRA program with American Express - therefore, and per the SCRA guidance below, I should have remained enrolled in the program throughout my time on XXXX XXXX. 

" For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). '' I have reached out and spoke to four representatives ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2022 ) with American Express to discuss the situation in hopes of having this issue resolved prior to me having to deploy. However, I continue to get the same response ... '' the SCRA benefits only applies to the debt accrued prior to service. '' According to their representatives, I was removed from the program on XX/XX/2022, which does not make sense since I was definitely on XXXX XXXX during that time. I asked the representative why XX/XX/XXXX, and she could not give me a definitive answer. As stated above, that is clearly not the case. The six percent interest is to remain while I am on XXXX XXXX. 

American Express is the only credit card company that I am having this issue with. XXXX and XXXX XXXX have adhered to the guidelines listed above. I am beyond frustrated because I should not have to worry about making sure I am mentally and physically fit to defend my country, while stressing over American Express fraudulently charging me interest for more to 2 years on two separate American Express accounts.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION (GA)

This complaint arises from Navy Federal breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ NAVY FEDERAL CREDIT UNION ]. 
As part of this agreement, Navy federal issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. 
XXXXXXXX XXXX XXXX XXXX XXXX defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note. 
Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298. 
Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 
3-301. 

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
Navy Federal refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603.

It falls upon Navy Federal to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX Living Trust. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Minto Financial dba Minto Money (FL)

On XX/XX/XXXX received an email from Minto Money account number XXXX stating that I owed money for a loan and the payment was returned for insufficient funds. I called the company Minto Money and spoke to XXXX who verified that there was a loan taken out for {$1200.00} dollars in my name on XX/XX/2022. I informed XXXX that I did not apply for a loan or agree to receive any funds. He stated the loan was funded to an account number from XXXX XXXX  XXXX and that my personal information was used to obtain a loan in my name with a seven-year-old address. 
He placed me on hold to verify the ownership of the bank account with XXXX XXXX and upon investigating with the customer service representative from the bank, the account was indeed not mine and belonged to an individual named XXXX XXXX. 
This individual received funds from a loan fraudulently obtained in my name with my information to their personal XXXX XXXX  account. I have made a fraudulent complaint with XXXX  regarding this matter indicating the individual who owns the bank account XXXX received funds from a loan opened fraudulently in my name.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-08-25
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. (TX)

I previously filed a complaint on the fact that i did not recognize accounts and inquiries on my credit report. I have asked that the company investigate and furnish me with how they investigated and through whom, i still have not recieved a response.
Consumer complaint received 2022-06-06
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: AMERICAN EXPRESS COMPANY (TN)

4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX  and XXXX and placed freeze but accounts might already be open.