davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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 (CA)

In XX/XX/2019, I hired a gentleman whom was advertised on XXXX and XXXX as XXXX XXXX as a Debt Allocation Specialist. He had degrees from XXXX and XXXX  XXXX and specialized in debt payments. 

Unbeknownst to myself and both my Navy Federal and XXXX checking and savings accounts, XXXX gained access to my home network server and gained an entrance to every single bank account and credit card that I possessed. XXXX, single handedly went into my Navy Federal Account and made cash advances on each of my credit card and maxed them out. I am currently liable form almost {$80000.00} in fraudulent and reversed charges because of them person. 

My complaint comes at Navy Federal Credit Unions lack of investigation. According to the NCUA guidelines, it is my understanding that the credit union would have performed a thorough investigation. However, this did not happen. Despite the fact that I called NFCU at least a dozen times to inform them of XXXX  fraudulent an illegal scam, I was never allowed access to any security or investigator at all. This continued for almost three weeks. 

In the meantime, XXXX again gains access to my same Navy Federal account and makes fraudulent payments from an illegal XXXX XXXX XXXX checking account. An account that I had no idea even existed. 
Again, Navy Federal did nothing. The Union seemingly sat back and watch as XXXX conned and stole my money. So much so, that even a fellow Navy Federal member who received some of the stolen monies was never even questioned. I know this because I was told so by several of the employees of the union. 

I have very serious issues with not only the person of XXXX XXXX whos ads are still prominently displayed on several Social Media sites, but I have extreme issues with Navy Federal Credit Unions lack of response. To day, the union has not conducted one bit of investigations into my claims. However, according to their records, Im still liable for all of the almost {$80000.00} that was stolen. This is against all rules and regulations as set forth by your Association. 

Police reports and statements are included. 

Thanks for your time. 

XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have numerous times requested this item be removed from my credit report, because this item was purchased by a third-party debt collector, XXXX XXXX XXXX XXXX And it still has not been done yet. The amount of {$630.00} and the status is not correct, nor is it accurate. This account was paid for less than owed by the third-party debt collector. How much did the collection company pay for this item, I don't know and neither does my credit reflect such an amount This is clearly a violation of the FCRA, section 609 and 611. Therefore, this item must be deleted IMMEDIATELY. See attached docs. 

Also, I have submitted numerous times as far back 2023 verification of my full name. This still has not been corrected. My name is NOT XXXX XXXX XXXX It is XXXX XXXX XXXX. Please correct immediately. See attached SS card and Drivers License.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (PA)

On XX/XX/19 I filed Chapter XXXX Bankruptcy. On XX/XX/19 it was XXXX. Included in this bankruptcy was a small dollar loan from MoneyLion. Since the discharge they have continued to willfully post incorrect information on my credit report. I contacted them and received a call back from a supervisor who took all of my bankruptcy information and assured me it would be fixed. However, it was not. The account was updated with the status showing as " paid-less than full/settlement '' and still shows a balance. Per federal bankruptcy laws this account should show as closed, XXXX balance, and as XXXX in Chapter XXXX. 

This is the 3rd time I've had to ask them to correct information. They have the correct information, they just continue to post false information purposefully. 

I've exhausted every avenue with them to get them to post the information correctly.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX  I wrote a check for XXXX for my car loan.    The monthly  payment is $XXXX.   I wrote on the check to apply $XXXX to principal.   (I have sent in checks before to add extra to principal and have not had any problems).   On XX/XX/XXXX  The check was cashed for $XXXX.On XX/XX/XXXX   I was at the bank checking about other transactions and realized there was more in my account than I thought should be there.   Later that night something woke me and I started thinking about my statement.    I was looking it over and discovered the above mentioned error.      I called the automated loan number to verify the transaction and if it had been corrected.  It had not.    I also contacted my bank that night and let them know about the error.On XX/XX/XXXX   I called the bank that I have the loan with regarding the mistake.    The person I talked with told me to fax a copy of the check to that bank.     I called the personal banker that I usually do business with at my bank  and told her what was going on.   She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday.  The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX   I called the bank again to see what the status was on fixing their error.   They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX.   On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX.    I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX  With the assistance of the personal banker that I usually helps me,  I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed.    My banker and I were not comfortable with the situation;   why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX.    My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX  by XX/XX/XXXX and it's taking them so long to correct this error.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

National Recovery had refused to send me verification on the debt from the original creditor as stated by FCRA requirements. I called and requested an invoice for the amount. The representative also stated that doing so violates company policy. In response, I had my attorney send a formal letter with the same request to which they have not responded.
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has restricted my use of Neiman Marcus and XXXX XXXX XXXX cards, after multiple phone conversations, they refuse to reinstate my cards and I have a credit balance of {$5400.00} after I returned an item. They refuse to send me a refund check or allow me to use my cards. They said they need to verify my identity and I have offered any and all means to do that. I have sent my bank statements from my XXXX XXXX account that I have used in the past and is presently connected to the Capital One account. They wanted different bank statement which I am advised not to disclose. They do not have a court order or subpoena for this. I have offered any means necessary to verify my identity and they still refuse to refund my purchase and are keeping my money. I had a XXXX balance before the refund and owe nothing.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one bank didnt call me or investigation correctly and they refused to call me thru XXXX and they feel that third party and being discriminated by hearing impaired without any explained and make up the story and not to bother and record by sign language interrupter thru fcc law requires for all company to used it but they refused to do so and very strong discrimination and deceived by staffs and I deposit the check was fraud by loans dept that capitalone bank told me to go head deposit and do it and capital one staffs made false statement with me no reason That banker is very rudeness and refused to calls or check with me first and I already filed police report against capital one bank staffs for giving me false statement by banker
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had set up a transfer of funds from my account at XXXX XXXX XXXX XXXX into my checking account at USAA Bank. The transfer was done through XXXX on XXXX XX/XX/2019 via electronic Check Transfer in the amount of {$220.00}. The money was in fact sent by XXXX XXXX XXXX XXXX and received by USAA Bank on XXXX XX/XX/2019 with the Check Clearing and the funds debited from my XXXX   account on the XXXX of XXXX. ( See Canceled Check ). My USAA account was never credited with the transferred funds. I called USAA Bank 4 times. XX/XX/XXXX, XXXX, XXXX and XXXX. They first claimed the check never arrived. I had previously received and uploaded a copy of the cancelled check to the USAA Web site. USAA told me they couldn't see the uploaded Check. The 2nd time I called they claimed the transaction was rejected and they check was never cashed. I Emailed XXXX XXXX XXXX XXXX that night who responded and verified the bill pay transaction. XXXX confirmed to me the check was sent/transferred and cashed by USAA. The 3rd time I called USAA once again were back telling me they never received the check transfer on the XXXX of XXXX. The 4th and last time I called I had previously asked for and received assistance from XXXX XXXX XXXX XXXX and XXXX. I was actually on the Phone with a representative from XXXX XXXX XXXX XXXX and XXXX XXXX when I called USAA Bank. The USAA Customer Service Supervisor said they were able to see the check but could not validate it was cashed. Argued with the XXXX XXXX representative on the Phone and refused / would not credit my USAA Checking account. USAA stated they would have to call me back within 3 business Days while they further looked into the matter. USAA never contacted me by mail nor called me nor have they credited my checking account as of today, XXXX XXXX, a full 30 days after the check transfer was received and cashed.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (TX)

I recently checked my credit reports due to the recent XXXX breach. Based on the information I show on my report, it was opened on XX/XX/2018. It is reporting under the company CBE Group as a collection for {$400.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had the chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
Consumer complaint received 2019-08-15
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. (SC)

XXXX XXXX XXXX is not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint
Consumer complaint received 2019-08-13
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 have disputed with both Equifax and XXXX regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with Equifax and XXXX to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.
Consumer complaint received 2019-08-13
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX ORIG CREDITOR : XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (FL)

I wanted to take advantage of the opportunity to change my payment date due to my current payment date being due the same time as my mortgage payment. 
Upon logging into the Sofi App, I clicked on my existing personal loan and then clicked on my loan details, there was an option to click on called, due date. When I did, it allowed me to select another date within the month. I changed the date from the XXXX of each month to the XXXX. When I selected this option I was alerted to two notifications at the change of date : 1 ) it may take 1-2 cycles for the new payment date to take effect & 2 ) that I would not be able to make another change to my payment date for another 12 months. 

After 2 months my new payment date was updated, and I noticed immediately after I made my payment on the XXXX of XXXX and they made the change to the new date of the XXXX it was requiring me to make another payment in the same month ( XXXX ). I reached out to customer service multiple times through phone and email to inquire ; however, not only do I keep getting a different representative every time, but no tangible or sufficient information to show I received proper notification that if the new due date was more than 15 days in between selecting a new payment date ( companies policy ) that I would need to make two payments in the same month. 

In a few attempts in reaching out to customer service and asking to speak to higher level managers, I keep getting the run around in that the system should have alerted me and my responsibility to read before accepting ; however, the company cant seem to provide this notification that I would have seen or acknowledged. In fact, one customer service response was, I am not able to provide a copy since it is system generated on the customer side. Why is the company unable to provide a notification from their system to the consumer alerting an additional fee or payment upon selecting the option? Why cant the company show me I in fact received this notification or went it was sent. The company sends me notifications all the time regarding payments, balances, changes to my loan ... but no notification in my alert section about this double payment in selecting a new payment date if outside of 15 days. The app did not provide this information and therefore misleading in requiring a second payment in the same month when my original goal had been to help alleviate two large payments being due at the same time.
Consumer complaint received 2019-09-06
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. (AZ)

I contacted both XXXX and Equifax about an account on my credit report. XXXX XXXX XXXX is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX XXXX doesn't have any such documents to prove a loan. I sent documents to both XXXX   and Equifax to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXXXXXX XXXX to report incorrectly. 

Also, XXXX is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NH)

Hello XXXX XXXX here. My MTG was bought from MBNA by Fifth Third Bank. Had an insurance claim start under MBNA, they sent me my check and withheld 10 % until completion of work. For another check after Fifth Third Boght my MTG and. Now they won't release funds until I have signed contracts and W-9 s from the previous contractors. Well that's not right. They should not be able to apply their method to work done while they weren't the MTG holder. Now they want me to call back contractors and get this paperwork for jobs completed months ago. Not to mention some of that paperwork is in any garage because the house is a mess and all the furniture is in my garage. Now they are essentially telling me to get paid check receipts and send to them and maybe that will work. Maybe? This is crazy I have an $ XXXX home with a $ XXXX MTG and forget forget about the $ XXXX insurance check, I've upgraded $ XXXX in this home that they hold as the asset. Now they are holding {$11000.00} until I get this paperwork. I'm sure I'm not the only one they do this to? Just jerking me around to keep my money. Absolute scumbags. Go stop them from screwing homeowners. It's kind of your job! As you can see from the pics attached the work is moving along nicely. 
What's done : Floor and walls and basement Drop ceiling basement HVAC Basement Refinish Hardwood 1st floor New banister and railings Drywall completed Ceilings and walls painted Installed hardwood in Master bedroom instead of replacing carpet Paint Master Bedroom Left to do : Master bath Tile Tub and shower. It's incredibly frustrating to be treated like I'm stealing the money and to not be trusted as grown adult. Just stupid.