davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MD)

I dont owe XXXX anything or at least this amountXXXX owed me an credit and they never applied the credit to my account So I told them I was paying anything until they apply the credit to my account.So they decided to closed out my account and send me to collections The amount being reported to my credit report is inaccurate and incorrectIm asking for the original contract with terms and conditions.I want a copy of all the statement for the account history I was suppose to receive reduced phone bill serviceI was apart of an Affordable Connectivity ProgramThey were by law suppose to reduce my phone bill to like {$30.00} a month .They also owed me a bill credit They never paid meSo I didnt payI stop paying because I got tired of arguing with the foreign call center repsI told them Im paying until credit my account and you give the federal assistance program. 


I will be filing a federal lawsuit against XXXX and Credence resource management for unethical business practicesI may also do a federal class action lawsuit for others who have dealt with this I will also be contacting the FCC about this matterI will also be contacting the TX Attorney General and Maryland attorney general about this serious important matter This is a clear violation of the FDPCA and FCRA.Which are grounds for a federal lawsuit Im also asking that they cease and desist from communicating with me via mail telephone and email .After reciept of this complaint/dispute
Consumer complaint received 2024-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION ()

My so is in the hospital and he will die without the immediate medical procedures required. NFCU has locked/blocked all access to my accounts, why I do not know. For 4 weeks he has held on as we wait for the procedure. We have more than enough money to pay for the care but they will not allow us to access any of it. 
-Oversea transfer request denied even after phone calls assuring it would happen - Credit cards all blocked and cancelled - Locked out of their website/app Our little boy is dying and they will not do anything! They will not even call us to tell us why.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to 15 U.S.C. 1681a ( 2 ), certain information is explicitly excluded from the definition of a consumer report. These exclusions are critical as they ensure that not all information about an individual can be freely shared or used for adverse decisions without proper consideration of the individuals rights.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CRED Technologies dba cred.ai (ID)

Text me that theyre closing my account if I dont activate my physical card when I have a working digital card. My husband was arrested twice for domestic violence and the domestic violence shelter returned my mail to sender when I left there. Cred.ai can clearly see their own tracking number that it was returned to sender. I dont know when Ill have an address for safety and threatening to close my account is unacceptable. I have protections under Violence Against Womens Act.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NJ)

On XXXX XXXX my student loans were released from XXXX to Nelnet with the IDR ( Save Program ). I applied for PSLF and loan consolidation on the FAFSA website as I was told to do from the dept of ed. The Dept of education had an official 3rd party company XXXX consolidate my loans. They show XXXX as my loan originators. That is INCORRECT. Nelnet had my loans and was not notified by XXXX that the loans are consolidated and they were not paid for the loan consolidation. My PSLF/consolidated loans are with XXXX. Within the same week in XXXX I started receiving loan repayment ( bills ) from both companies for the SAME loans. I have contacted dept of ed, Nelnet, XXXX and XXXX. I have NOT been able to have the Nelnet loans removed from my fafsa dashboard or my credit score. Nelnet told me to have XXXX send information that the loans are consolidated. XXXX refuses to send any information because they received my loan consolidation from XXXX. They said they have nothing to send. The Obudsman office at dept of ed stated my Nelnet loans need to be marked paid in the system because my loans are consolidated and I am approved for PSLF. Only XXXX services PSLF loans for the dept of education.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

After a lengthy divorce, I had fallen behind on my mortgage with XXXX XXXX XXXX and was forced to file Chapter XXXX bankruptcy. During the bankruptcy process, XXXX sold my loan to XXXX. I emerged from bankruptcy in XX/XX/XXXX with XXXX agreeing with the court that my mortgage was current. I made my XXXX post petition payment to XXXX in XX/XX/XXXX. XXXX applied the payment to XX/XX/XXXX. I was still in active bankruptcy XX/XX/XXXX. My XX/XX/XXXX payment was misapplied to XX/XX/XXXX. I continued making payments, and never missed a payment, but the payments continued to be applied to an arrearage that did not exist. XXXX continued to assure me the matter was under review, but at one point went so far as to put me into pre-foreclosure. XXXX also never updated my status to show I had emerged from bankruptcy. I made monthly payments to XXXX until XX/XX/XXXX, at which point the sold my loan to Nationstar without having resolved the issue. Nationstar now shows me roughly {$8000.00} behind in payments and wants me to agree to a loan modification, which I have not agreed to do. Nationstar says they continue to investigate, but now they have people taking pictures of my house. I have not missed a single post-petition payment with either XXXX or Nationstar since I emerged from bankruptcy in XX/XX/XXXX.
Consumer complaint received 2024-07-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (WI)

On XXXX, XX/XX/year>, I had called Synchrony Bank to request a CD be closed early, to access funds for a home purchase. This transaction can not be completed online. I was told that the transaction would take a few days. 

I have never heard of a bank not processing a closing transaction immediately or at the most, by the end of the day. There is no mention of this in their account disclosures, also. 

I followed up on Friday, XX/XX/year>. I was then told it would take up to XXXX business days to close the XXXX, so by XXXX, XX/XX/XXXX. I attempted to see if there was possibly a supervisor/manager that would be able to expedite this transaction, and was told there was not. 

I am unaware as to why Synchrony Bank would require XXXX business days to complete the transaction and also not disclose that funds would not be available. This is very misleading to consumers.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A Capital One business account is being recently reported on my personal credit report in my personal name that I am unaware of that the credit bureau stated is reporting as of XX/XX/year> but opened 1 year ago XX/XX/year> without any details or information. I have not opened, provided my social, and I do not have any XXXX Accounts with Capital One.
Consumer complaint received 2024-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC (CA)

Solar Mosaic and their partner XXXX XXXX agreed to install solar panels on my house in XX/XX/XXXX for approximately {$130000.00}. XXXX installed panels on XX/XX/XXXX but never connected them or finalized the permit process. XXXX sent a fraudulent permit to operate to Mosaic in XXXX of XXXX. My electrical provider confirmed that no such permit was issued. Mosaic released all funds to the contractor without verifying with me that the work was complete. Contractor has not finished job and the XXXX XXXXXXXX XXXX is in the process of revoking their license. I have opened multiple complaints with Mosaic and then all have been closed without resolution. On XX/XX/XXXX I received an email that I had the option to request cancelation of the loan. Which I did. I spoke on the phone with one of their representatives on XX/XX/XXXX and XX/XX/XXXX and was told that because of my situation I was eligible for cancellation and that I would receive follow up via email. The only follow up I have received is Mosaic hounding me for money because I have not made any payments towards the loan.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (AZ)

I refinanced my vehicle with Navy Federal Credit Union in XX/XX/XXXX. I signed submitted all required paperwork for them to take over the lien and Title. But they never obtained the title and raies my interest rate to 18 %. This should not have been done because I submitted the paperwork more than once for NFCU to be the lien holder. 
In aprox. XXXX of XXXX I got a registration loan on the vehicle and somehow the place I got the loan but somehow they put a lien on the title making them the lien holder. 
In XXXX I asked them to refinance the loan and add the amount owed to the loan company so that it will pay off the loan and give NFCU possession of the title and they declined the loan. I have been paying higher interest on my auto loan and should not be paying more because this was an error on their part.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXXXXXX XXXX XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my XXXX XXXX of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. 
I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to Credit Resolution Team Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to Credit Resolution Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a Credit Resolution Team Supervisor and I guess she misguided me and also said that I should call XXXX who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, XXXX told me that she is highest rank officer to reach by the consumer like me to any issue. With Synchrony XXXX XXXX XXXX When I call Synchrony XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, XXXX of Synchrony XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call XXXX XXXX as it also provided in their letter. So I did call XXXX today XX/XX/XXXX and spoke from XXXX pm to XXXXXXXX XXXX and spoke with XXXX XXXX at XXXX. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with XXXX. She further mentioned that XXXX use XXXX credit score and might bank use the average credit score of three credit Bureau not just XXXX XXXX XXXX on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (WA)

{$2300.00} was stolen out of my Navy Federal Checking account and Navy Federal has done nothing but deny my claim twice and also " losing '' a claim I made in person about this issue. 

In XX/XX/year> I got married in XXXX and used my card to purchase the alcohol for the wedding. It was with XXXX transactions as shown in the attached photos at XXXX XXXX. 

All was well, I returned to my home in XXXX a couple weeks later after my honeymoon. 

Then on XX/XX/XXXX my card was used AGAIN for slightly different than the original amounts. 

My account only had {$500.00} in it at the time so I went XXXX and had to pay back the difference. 

So I submitted a fraud alert immediately, cancelled my card and then over the last XXXX months nothing has been done, my claim keeps getting denied and at the end of the day it is a very scary thought that your card can be used thousands of miles away and your supposedly " Trustworthy Credit Union '' doesn't care. 

So much for " Serving those who have served ''. My wife just gave birth and I am the only breadwinner in the house and {$2300.00} is a good chunk of change. 

I have contacted Navy federal for a XXXX XXXX claim and will keep doing so until this is resolved or I will no longer ever be banking at Navy Federal ever again.
Consumer complaint received 2024-06-27
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: NAVY FEDERAL CREDIT UNION (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also NAVY Federal detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (DE)

These are unauthorized inquiries ; I received alert when I woke up I noticed that this inquiries was added to my account approx at XXXX. I would like this XXXX deleted as I stated before theyre unauthorized XXXX  ( XXXX ) both dates XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to complaint to NAVY FEDERAL CR UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1977. The XXXX  report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CO)

Dear Navy Federal Team, I hope this message finds you well. I am writing to appeal to unfreeze my accounts number ending [ XXXX ] i deposited a check that was fraudulent unknowingly to me I was unaware of its fraudulent nature at the time of deposit. 

I understand the seriousness of this matter and wish to rectify it immediately. Please advise me on the necessary to resolve this issue and mitigate any potential repercussions. I believe there has been misunderstanding or an error, as I have always maintained compliance with all my accounts term and conditions. 

However I was unable to collect the funds from the check and the bank didnt take a financial lost. I lost my mother and was expecting a settlement check of over XXXX due to the hardship of eviction and tremendous amounts of pressure I was facing I reached out to an investor and explained my situation and said I needed a loan. He told me he would write me a check and I would pay loan of in a couple of months when I received my settlement check in XX/XX/year>. 

Just for transparency Ive been a loyal customer of Navy federal credit union for a couple of years and have always maintained my account in good standing. I have maintain direct deposits and have never experienced any late fees, or other issues that would warrant this sudden closure. 

Some of the products I have open up are a navy flagship check and savings account, pledged loan, XXXX certificates XXXX XXXX  account and a secured credit with a deposit of XXXX dollars in it. I 100 percent love the relationship I have built along the way and would like to continue to build and grow with navy federal credit union. 

I believe that a fair and open dialogue can address any concerns you may have and potentially lead to a positive outcome for both parties. 

I apologize for any inconvenience caused and appreciate your prompt attention to this urgent matter. Mistakes are made but that should never define who we are.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a premium membership with Experian and I recently downloaded my all my three credit bureaus report and I realized that my XXXX report contained false data or false information. They have inquiries on XXXX report that do not actually appear on my XXXX report. Experian requested a send them a screenshot of my XXXX report and they will take a look at it and have it updated. 

I sent them the screenshot of my XXXX report and they informed me that this is something that their MEMBERSHIP DEPARTMENT WILL HAVE TO HANDLE. I reached out to the membership department and I was told it was going to take about 24-72 hours for their engineers to review and update and that haven't been done as it now. It's about a month now and still no update.

The report number that I was provided is # XXXX
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/2024 XXXX After calling to change my debit card pin, the customer service representative stated they could not verify my identity, telling me to call back. They stole my credit card information from my account and made fraudulent purchases on my card. XXXX fraudulent purchases were denied but XXXX amount of {$XXXX} is still on my credit card statement. The product arrived next day at my house, as the scammer used my billing address as the shipping address. The credit card company refused to acknowledge that one of their representatives stole my credit card information.