davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (PR)

I am submitting this complaint regarding a fraudulent debt reported by Navy Federal Credit Union ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Navy Federal Credit Union failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Navy Federal Credit Union is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Consumer complaint received 2017-02-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Systems,Inc. (TX)

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KS)

Having always used a small town bank, when my wife and I began traveling more, we decided to shop around for a bank with a national footprint. As Citibank credit card customers we looked into Citibank checking and signed up for a new Citigold account with a promotional offer of XXXX XXXX miles once we completed a few requirements. We fulfilled these requirements, and began using the account regularly. We enjoyed the online banking and mobile deposit options that our previous bank did not offer. On XXXX separate occasions I contacted Citibank via secure message in order to make sure that I had fulfilled the requirements for the promotional offer. On both occasions I was assured that I had done so and the miles would be posted at the end of XXXX or first of XXXX. When I did not receive the miles, I contacted Citibank, and they then informed we that I was not eligible for the offer and therefore would not be receiving the promotional miles. This appears to be shady business practice. I signed up with the promotional offer, and on XXXX separate occasions ( via secure message ) Citibank reps confirmed I would be receiving the miles. Now Citibank refuses to honor the promotional offer. This is poor business practice. If there was an issue with eligibility, this should have been brought to my attention at sign up or by the rep that confirmed my status back in XXXX. I have made multiple attempts to get these promotional miles credited to me, but they continue to refuse, inspite the fact that their own reps confirmed I would receive them.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (CA)

Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.
Consumer complaint received 2016-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

I have XXXX student loans with the Dept of Ed/NELNET. 

DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$6200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$4300.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$7700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$79.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2200.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$3700.00} DEPT OF ED/NELNET Acct # : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$2800.00} I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days late as of XXXX XXXX and 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2017-03-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Halsted Financial Services, LLC. (VA)

A bank account with XXXX was placed in collections with another collections agency. Told them this was fraudulent and sent copy of police report reflecting that. Today I received a call from XXXX about this same account and told them the same information. They requested copies of the police report. Told her I no longer have and she needed to get the information from the previous collector. Woman said I had 72 hours or submit or collection call would continue and then hung up on me. I called back, spoke to another lady and requested to speak to a supervisor, she went over the same information. Told her I have no intention of addressing the matter any further and wanted to speak to a supervisor. She transferred me and I was told the same thing by another supervisor, told them I was n't sending any information and to cease and desist calling me. She said the collections process would continue.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Revenue Corporation (TX)

I contacted United Revenue due to a collection acount on my credit file. I called the hospital and several pertinent pieces of information was not accurate. I then sent United Revenue an Identity Theft Affadavit. This information contained my accurate information as you have to disclose it on the forms. After i mailed the forms i called United Revenue to discuss and the information such as date of birth and spelling of name on the hospital intake forms were different than the correct dates and spelling. Once United Revenue received my affadavit they changed their records to match my affadavit and after calling to confirm receipt they are now giving me the correct spellin correct date of birth and claiming they have verified the information and i owe this debt. I asked to speak to Supervisors and was told no one was available. when i asked them to verify the methods used to verify the debt i was taighnted about my inabilities to pay. I repeated time and time again that this is not my debt and this needs to be removeed for no other reason then this informmation was inaccurate and i never visited the hospital or doctore and never had any of the XXXX for the body part indicated. No company should be able to use the information on the affadavit to then change their records to match
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I am the cosigner on the loan for my son. My son graduated XXXX XXXX with a private loan debt {$170000.00} and federal loan debt of {$35000.00}. My son pays the federal and I pay the private. The grace period was requested, however due to financial hardships the account was reported as 180 days past due in XXXX XXXX although over {$6000.00} was paid for XX/XX/XXXX. Regular monthly payments were made as coordinated with the NJCLASS telephone representatives. During a telephone conversation with a NJCLASS representative the amount disclosed for the payment was not clearly identified by myself after a number of confirmations. The confirmed amount that I recorded for the payment was {$1000.00} whereas the amount requested by XXXX XXXX was {$1900.00}. After numerous telephone calls to NJCLASS for the scheduled payment for a number of weeks, each representative informed that the recorded telephone conversation were being reviewed. All attempts to pay the approximately {$900.00} discrepancy were not accepted by NJCLASS representatives and internet access to the account was no longer available. I was never contacted concerning the discrepancy of {$1000.00} and {$1900.00} and the account was directly handed to collections, the attorney office. 
After the account was forwarded to collections, regular monthly payments of over {$14000.00} have been made on this account to collections, attorney office. A number of attempts have been made to refinance this account, however NJCLASS first listed on credit report as " failure to pay '', however updated to " In collections '' which a number of private loan financing with not process. I am still attempting to locate a reputable loan financing company that will process this private student loan. The collections, attorney office, charges additional interest daily which has increased the loan to over {$200000.00}. My issue is the account should have never been forwarded to collections due to the miscommunication in the payment and no consideration was given to allow me provide the amount requested.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (NY)

My private student loan is currently being serviced by XXXX XXXX XXXX. I called to defer my payments for the amount of time that I expect to be on maternity leave but I was denied because I do n't meet Chase 's requirements for deferment. And that my reason for applying ( XXXX ) was not a temporary situation. When I asked what the requirement guidelines are, I was told that Chase was under no obligation to provide that information to me. I tried to work with them but now I am afraid that I will have no option but to default on my loans while I am on unpaid maternity leave. I do n't want to receive collection calls while caring for a newborn, that will only add to my XXXX.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I am disputing the XXXX hard inquiries that are on my Trans Union credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX : XXXX XXXX XXXX ) XXXX. SYNCB/Walmart : XXXX XXXX XXXX ) XXXX. XXXX : XXXX XXXX XXXX ) I have sent XXXX letters to Trans Union to dispute these hard inquiries and they have done nothing yet to correct the issue.
Consumer complaint received 2016-10-03
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JTM Capital Management, LLC (IA)

Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?
Consumer complaint received 2016-06-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

In 2013 I was hospitalized on an emergency basis. When I was admitted, I signed XXXX financial responsibility document. I was uninsured and my hospital expenses exceeded {$100000.00}, and reflected on XXXX BILL, and assigned XXXX ACCOUNT NUMBER. 

The hospital assigned the debt to CALIFORNIA BUSINESS BUREAU, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Rather than report XXXX debt to the credit reporting agencies, CALIFORNIA BUSINESS BUREAU has listed the debt FOUR times as XXXX SEPARATE ACCOUNTS with XXXX, FOURTEEN TIMES as XXXX SEPARATE ACCOUNTS with XXXX, and EIGHTEEN times as XXXX SEPARATE ACCOUNTS with XXXX. 

There is and was only XXXX ACCOUNT with the original creditor. 

CALIFORNIA BUSINESS BUREAU is falsely and fraudulently reporting XXXX debt as several as an intentional act to damage my credit report.
Consumer complaint received 2016-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I closed my checking account, savings account, debit card and online banking with Santander Bank in XXXX 2016. In XXXX 2016 they sent a bill payment through my closed account to another bank. The other bank charged me {$15.00} NSF fee due to returned check. I called Santander bank to find out why they sent a bill through a closed account, their response was that my bill payment service was n't closed. They said I had to request it to be closed separately. I said it makes no sense, if I closed all my accounts and online banking, why would bill pay remain open. After speaking a supervisor name XXXX XXXX, she asked me to fax her the letter that showed the other bank charged me {$15.00} which I did few weeks ago. Now I 'm getting a run around. She tells me she ca n't refund the money because I do n't have an open account. Now she 's not returning my phone calls. Every time I call the bank, I have to explain my situation to a new representative. I have left several messages for her but have n't heard back. I find it very deceptive and poor customer service. First they cause me a fee and then they wo n't help resolve the issue or refund the money.
Consumer complaint received 2016-09-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

In early XXXX Wells Fargo Bank issued a credit card in my name to an unknown person at an address XXXX despite fact that my official address on the record is XXXX. A discussion withe an agent assured me the card had been identified as bogus but not yet closed and I had not been informed. I subsequently received a letter from Wells fargo which said " your card has been closed ''. Also received a zero balance statement which seemed to legitimized the card. I called and spoke with XXXX XXXX a supervisor who told me this is standard procedure. I told her I wanted a letter with the correct details.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my third attempt of trying to get my inquiries removed from my credit report. I have previously submitted a request through XXXX, and Transunion acknowledged that I was affected by the system glitch. I requested that all inquires be removed. When I called in after about 30 days, because the inquiries were not removed, the representative told me she could see where the inquires needed to be deleted, but asked me to call back and tell her which ones. I am requesting that my report be updated with the inquires removed. I currently have a fraud alert placed on all XXXX credit bureaus. I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to XXXX XXXX.