davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (DC)

1. As of to date, Navy Federal refuses to reimburse me for the amount of XXXX XXXX XXXX and XXXX XXXX XXXX   ( {$29.00} ) 2. On XX/XX/XXXX, I went to XXXX seeking to return a television I purchased from XXXX ( Order No. XXXX ; PO No. XXXX ). 
3. I informed Navy Federal employees during a phone conversation that on XX/XX/XXXX, a female XXXX   employee, DID DEDUCT/TRANSACT the above amount from my Navy Federal debit card number XXXX 4. Navy Federal employees are not resolving my concern. 
5. On XX/XX/XXXX, they even received my correspondence sent USPS certified mail return receipt addressing this transaction. ( # XXXX XXXX XXXX XXXX XXXX ) THEY NEVER RESPONDED! 
6. And so, I submit my complaint against this financial institution for failing to refund my money!
Consumer complaint received 2018-03-06
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. (TX)

My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to the issue.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX   Address of creditor/collection agency Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe {$400.00} on a {$300.00}, account and it is in collections. After being sold 5 different times This is a formal notice that your erroneous claim ( s ) is/are now disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX ) Your current address XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current.

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

I consolidated my loans with XXXX and on my XXXX report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and TransUnion are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX on XXXX my vehicle was repossessed. In XXXX of this year ( XXXX ) i began receiving parking tickets in my name for the vehicle I have not had. I transferred liability with the California DMV last year however capital one still has my information for the vehicle. I contacted capital one in XXXX of XXXX to inform them of the situation. A representative told me they will request some sort of documentation indicating I have not been in possession of the vehicle since XX/XX/XXXX. As of yet I have to receive anything. I try to contact them however Ive been given a run around between capital one and their servicing company. Im now receiving parking tickets that the new owner is getting in my name and the city of XXXX in California is charging me
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (AZ)

I did not authorize anyone employed by XXXX XXXX to make any inquiry and view my credit report on the following dates XX/XX/XXXX and XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act section 1681 B ( C ) and a serious breach of my privacy rights.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX offers a .25 % interest rate reduction for auto payment. XXXX requires " additional identity verification '' before allowing users to sign up for automatic payments. Despite answering the online questions for identity verification I was told they are unable to verify my identity. Because of this I was requested to mail a copy of three of the following to XXXX : Driver 's License Social Security Card Passport Birth Certificate Prior Year 's XXXX All of these items contain highly sensitive that nobody with a sense of security would provide to anybody. This additional identity verification puts consumer 's privacy at risk and puts an unfair hurdle to receiving the .25 % interest rate reduction.
Consumer complaint received 2018-03-06
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: SYNCHRONY FINANCIAL (CA)

I received a letter in the mail from Synchrony Bank stating that I tried to open a Syncb luxury account. I never inquired about their service. This bank is located in XXXX XXXX XXXX XXXX Florida.
Consumer complaint received 2017-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (MS)

I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (NV)

The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX   Police Department.  Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency.  You can make a complaint on this page.

  https://www.consumerfinance.gov/


XXXX XXXX XXXX
Chief of Police
XXXX XXXX XXXX XXXX XXXX XXXX
Office   XXXX ext XXXX  
Dispatch XXXX

On XXXX,XX/XX/2017 at XXXX XXXX, XXXX   wrote:

    To whom it may concern:

    Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX!

    It is very hard to find out exactly where Discover's headquarters are.  Calling them is like sticking pins in your eyes!  They took my money (refundable deposit) out of my bank and in less than 2 days!  But now going on 3 months later, and they do not want to give it back!  I am considering this THEFT and PERSONAL INJURY!  I want to FILE a POLICE REPORT and SUE DISCOVER.

    ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat!  I am XXXX and have been on SSDI and for now going on XXXX  years.  I am a former XXXX XXXX  and I have served overseas.  4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX.  I asked one of your state's US Congress people for help...a big waste of time, of course!  If you don't want to help, then do you think that your GOVERNOR will?

    The best addresses I can find are:

    Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    Discover Financial Services
    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    My contact information:

    Omited

    Thank you for taking the time to review this and for any assistance that you can provide.

    Kindest regards,

    Omited / Replaced with:
Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general.  Don't ask for help with anything.  [They] only care about protecting the wealthy and powerful crooks out there.  Not enough PRISONS in America.  Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX.  I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.
Consumer complaint received 2017-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

My husband and I are on Income Driven Repayment plans while he is a resident XXXX as we have a partial financial hardship. I am on REPAYE, and he is on PAYE. Our loans are held by XXXX ( PHEAA ). On XXXX/XXXX/XXXX, we received a notification to submit annual loan recertification documentation. My husband and I submitted those documents promptly on XXXX/XXXX/XXXX. We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 


I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent XXXX # XXXX answered and had to transfer me to another department, so again I waited again until XXXX # XXXX answered. He informed me that the application was in manual review and should be finished relatively soon, probably by the end of the week ( XXXX/XXXX/XXXX ). 


After hearing no updates from XXXX, I called again on XXXX/XXXX/XXXX at XXXXXXXX XXXX. I spoke with XXXX # XXXX who said it would take 30-60 days from XXXX/XXXX/XXXX to process. I informed her that I had called on XXXX/XXXX/XXXX and was told that it would be completed last week. 


She transferred me to XXXX who stated she was a supervisor. She reviewed my information and said my application was queued for manual review, but strangely needed to be escalated or expedited, but somehow had not yet been done. She then provided a monthly estimate of {$1000.00} for the payment. I informed her that this was a significant increase and did not appear to include my husband 's loans, which we applied for and cosigned together on XXXX. She said she will try to expedite and we will hear an update by XXXX at the latest. I expressed concern that with my payment plan expiring on XXXX/XXXX/XXXX that this would not be enough time. Given the absence of response on XXXX/XXXX/XXXX, I have elected to file this complaint.
Consumer complaint received 2017-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (MS)

Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wharthog Ventures LLC dba Loans Not Sharks (MO)

I took out a personal loan in the amount of {$300.00} in XX/XX/2017. I agreed to repay the loan {$130.00} per month for ( 3 ) months. The loan company was able to get the first payment, after which I was having difficulty with the credit union. ( The institution was honoring different companies requesting funds not entitled to the by what they called virtual signatures ), which caused me to become overdrawn. I advised them of the problem and the account was closed until this could be remedied. I agreed to pay the remaining balance of approximately {$260.00} in full once I received my tax refund or within 30-45 days. I had spoken to them a couple of times keeping them informed of the my most current status. In the meantime I get a letter in the mail requesting the entire amount was due payable. I had agreed to repay, but now they're asking for more than twice the amount agreed upon. ( {$660.00} ). I have tried to reason with this company to no avail. I already have problems with XXXX, I don't need any more negative reports. I just want to pay my correct balance and be done.