davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (NC)

I have had my credit card with Navy Federal Credit Union for over 5 years and have been a member forever 14 years. My credit card expired in XX/XX/XXXX, and I contacted Navy Federal asking for my new card. I was told that my credit card account did not meet their standards under review, and that my account had been closed. I was asked what criteria was used to make that determination, and was told that they didn't know and could not transfer me to the credit card department in an effort to keep the credit card department unbiased. This is the same credit card that I talked to multiple times in the past. They told me that they sent a letter to my address, but I never received it. It was not sent certified mail, and they have no proof that I received the letter.

I then sent a secured message to Navy Federal detailing their disclose, and asking which of the terms I violated that resulted in my account being closed. Again, I received a response that said after review they decided to cancel my account. I replied to their email and asked what the specific reason was.

I received a call today from the credit card department that I wasn't allowed to talk to previously. They then said that my card was cancelled due to my credit score, but my credit score was lower in the past and my account was allowed to stay open.
Consumer complaint received 2018-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is more of a means to ensure something gets done rather than a complaint for something illegal a company is doing. Although I must say the company in question has harmed me by their inaction.

Capitol One has an account listed on my credit report. I am listed as an authorized user. The problem is that the account is not mine and I have never used the card. It belongs to my sister. My sister has already contacted the company months ago and multiple times over the last few weeks to have me removed from this credit card account as the debt on the card is preventing me and my husband for qualifying for a home.

Multiple times the creditor has told my sister that I would be removed and promised a letter to her. My sister has never received this letter and I am still on the account. It was not until today, 43 days after I was denied for a home loan, and multiple weeks after numerous phone calls that Capitol One finally stated to me that they would send me a notice claiming they had removed me from this account and any credit reporting. Normally this would be enough for me to be happy but considering they have already promised this multiple times to my sister without actually happening then I have no faith in them and am filing this complaint in order to ensure compliance. More so due to the fact that it took me 33 minutes on the phone before I was finally able to convince them to even talk to me and remove me from this account that isn't mine!

That's all i'm asking for and I hope this time it gets done. Also, they said it would take 60 days for it to reflect on my credit report but I know it should only be 30.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (PA)

The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.
Consumer complaint received 2018-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. 

I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. 

They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. 

They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. 

They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. 

They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. 

They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.

I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.

I've bought cars my entire life, and have not ever once had this happen,
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (MI)

I have attempted to dispute the account with Hunter Warfield with the credit bureaus and they have indicated that the account has been updated. I would like to add that this company is not licensed to do business in the State of Michigan. As such, I am asking that they discontinue reporting that I owe a debt to them. With my recent dispute to the credit bureau, they have also updated my report, adding a family member 's name to the credit report. She has not pulled her report to confirm if they are reporting but if they are, I am requesting that they remove this information immediately.
Consumer complaint received 2018-03-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (DC)

Title Loan ... in the amount of {$2400.00} ... 
Payments {$400.00} per month / for 12 months. Plus daily Interest. 

Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... 

the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. 

Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. 

XXXX doesn't offer a grace period on due dates. 
XXXX  doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. 

XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.
Consumer complaint received 2018-03-12
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: Machol & Johannes, LLC (CO)

Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female  as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?
Consumer complaint received 2018-03-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

On XX/XX/18 My alleged past due amount was {$6500.00} on that date I made a payment of my entire annual bonus and then some for a total of {$700.00} bringing the balance down to {$5800.00}. This was reflected on their website. The very next day on XX/XX/18 ( Saturday ) I checked the site because everytime I make a substantial payment they jack up the balance, just as they did a month ago when I gave them most of my tax return. Surprise, Surprise,  they are up to their usual fraud. the balance " magically '' jumped back up {$220.00} in one day! Keep in mind this is on top of my usual $ XXXX/mo payment. I can not find anything on their site about fees or anything that would justify this. Given their long history of criminal abuse of lenders I am utterly disgusted. They have been robbing me of my life 's labor for years and it seems nothing is changing, no one is helping me! I will spend all my free waking time tomorrow on top of the 10 hour day I have to work getting shuffled around on their automated phone system, which has been so honest and helpful in the past ( extreme sarcasm ) PLEASE HELP ME FROM THESE CRIMINALS!!! I AM BEGGING YOU!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX  account has XXXX late payments on my credit report which is untrue Ive never been late, my account was hacked and it was under investigation and my account was credited but they never updated the late payments because I was never late
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXXXXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2018-02-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CFS Holdings, Inc (PA)

I requested not to be called by Confident financial Solutions. I spoke to them and let them know my husband had been moved to bi-weekly paychecks and I would make a payment when I can. 

I have been recieving phone calls Daily even though I asked them not to. It is bad enough I stopped answering my phone. Then I began recieving email a couple times a day. They also began calling my Mother in law and Father in law at home and work. They discussed my loan even though my In laws are not on this loan at all. 

The final straw arrived today XX/XX/XXXX. I received a message on my work XXXX page. They made it seem like I was a friend they had lost contact with and was double checking I hadn't changed my number. 

When I said I didn't know who they were they responded. 
" I am with Confident Financial Solutions. I have Great news for you. Can you call today at XXXX '' This is beyond unprofessional and I am now scared to even answer customers questions on my XXXX account. The fact that they used an employees XXXX  to contact me is unethical and wrong.
Consumer complaint received 2018-02-21
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: EQUIFAX, INC. (NC)

I have fraud alerts on my credit report and have tried to fix this with Equifax directly and with the companies directly. There are several unauthorized inquiries on my credit report and the credit bureau has been no help! I did not authorize these inquiries. 

State employees cred - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am filing a formal complaint regarding TransUnion 's failure to properly investigate and substantiate the disputed items on my credit report. I have disputed multiple inaccurate items on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite these disputes, TransUnion has continuously marked the items as verified without providing any proof or details of the investigation. The responses I received were purely automated and lacked any substantive evidence to support the verification process. 

I am requesting that TransUnion be required to provide : The dates of contact and complete records of the investigation process, including communication with the creditors and any steps taken to verify the accuracy of the disputed information.

Immediate deletion of all disputed items from my credit report, as TransUnion has failed to meet the legal requirements for investigating and verifying the accuracy of the information, as outlined under the Fair Credit Reporting Act ( FCRA ). 

TransUnion 's failure to provide the required documentation and its reliance on automatic, frivolous responses have prevented me from receiving a fair and accurate representation of my credit history. I am entitled to a transparent and thorough investigation of my disputes, and TransUnion has not met this obligation. 

I am seeking immediate action to correct these violations and ensure compliance with the law.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

Round Point Servicing Company has now admitted that they deliberately sent too early of a payment to my home insurance company and that it was the insurance department 's error on their behalf. This was after last years error of claiming my insurance policy number changed ( which this year they claim it never did ) and the year prior having an error of how their company was listed in the insurance side that they couldn't manage to call the insurer until I was on a 3 way call with all parties. Now Round Point has managed to over draft my escrow account by paying for the premium twice, rather then doing, as promised over the phone by representative XXXX, paying the difference between the already sent payment and the current premium. So now to fix their XXXX up they want me to come down to their office, take time out of my schedule, and pay the difference to them. Do they want me to pick up their kids from daycare while I am on the way? When a company or individual screws up, they take responsibility and fix it, they don't make the customer fix the problem over and over and over again. You are a servicing company, you provide a service, if you don't do this then there is no point in your existence. Round Point will not fix Round Point 's XXXX up not me. They will have to put for effort ( this means work ) to fix this, I will not. I am done doing your work. I will continue to file complaints until your error is fixed by you Round Point.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On three recent occasions, JP MORGAN CHASE BANK has been manipulating/ reordering transactions on my checking account.

The first two purchases ( same merchant ) were made on XX/XX/XXXX ( for {$10.00} ) and XX/XX/XXXX ( for {$8.00} ) and posted quickly. However, the transaction disappeared a month later, and now reappeared as posted on XX/XX/XXXX - almost a MONTH later. The third transaction ( second/ different merchant ) occurred when I made a purchase on XX/XX/XXXX ( for {$7.00} ) and posted within two days. However, transaction disappeared as well, and now re-posted on XX/XX/XXXX - WEEKS later. 

I called both merchants to verify when they collect and their funds from the bank and assured me that they do so within days. When I called the bank, they deflected stating that it is unlikely merchants collected so quickly and that they usually/can take up to a month to collect funds from the bank. What?? I informed the agent that by logic, no merchant - especially a small vendor would want to wait that long to collect monies, and I reminded her that I had originally seen these amounts posted to my account and now re-posted under a new transaction date as of XX/XX/XXXX. 

No explanation or resolution was offered other than " we're sorry to hear you were inconvenienced '' was offered.