davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to express my deep frustration and disappointment with Navy Federal Credit Union fraud department. On XX/XX/year>, I discovered that my credit card was fraudulently used for unauthorized transactions totaling {$8300.00}. I promptly reported this issue to Navy Federal Credit Union, expecting a swift and professional response to help me recoup my stolen funds. 

Unfortunately, the agent assigned to handle my case has been unresponsive and unhelpful throughout this ordeal. Despite multiple attempts to contact them via phone and email, I have not received any meaningful assistance or updates regarding the status of my case. 

As a customer, I expected better service from Navy Federal Credit Union, and I am left feeling frustrated and powerless as my stolen funds have not been recovered. 

I am requesting that Navy Federal Credit Union XXXX fraud department take immediate action to resolve my case and ensure that I am reimbursed for the unauthorized charges. I also urge the company to improve its communication and customer service in handling sensitive matters such as fraud.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

Cash app Ive used for years closed the wrong account due to fraud by XXXX XXXXXXXX by XXXX XXXX and they closed the wrong account due to XXXX XXXX and have yet to restore my good standing account I have reason to believe now they are committing fraud and my mother sent money that was stolen they refuse to fix. 

I have contact law enforcement and reporting all agencies associated. 

Cash app will face damages due to willful neglect of account and their mistake
Consumer complaint received 2024-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I requested the " School Misconduct Discharge Application '' from Navient ( who serviced my private loans ), but they said no. They said that because my private loans are already paid-off, those loans no longer qualify. 

This does not change the U.S. Department of Education 's findings that XXXX XXXX XXXXXXXX made widespread and pervasive substantial misrepresentations that borrowers relied on to their detriment. As discussed in more detail in the executive summary, XXXX XXXX XXXXXXXX misrepresentations related to graduate employment rates, graduate salaries, the schools ability to connect students to employers, and the provision of ongoing career services after graduation. 

Because of these findings, all of my Federal loans ( which are still in repayment ) will be discharged, forgiven, and all payments I made over the last 20 years refunded. 

Just because my private loans are paid-off, should not disqualify me from getting those loans refunded as well. They make it sound as if - had those private loans still been in repayment, I'd have a chance at getting the application to fill out - and potentially have a chance at have the private loans discharged and refunded as well.
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC (GA)

On XX/XX/year>, I entered into a consumer credit sale with XXXX, XXXX for the purchase of a XXXX XXXX XXXX. At some time after the sale, some third-party name XXXX began reporting itself as the creditor of the loan. After sending several correspondences to XXXX to determine their involvement in this credit sale, I have been left with no answers. XXXX has made claims it services the contract but is aloof in saying it is the servicer for Carvana, LLC ( the listed lien holder ) of the vehicle. Pursuant to the XXXX, I requested a full statement of account from Carvana, LLC who failed to respond, which constitutes a breach of the agreement, as well as a statutory violation. My research has shown that Carvana , LLC regularly sells its rights in retail installment contracts through a series of purchase agreements and those agreements get securitized in a Grantor Trust. Upon information and belief, consumer feels this is the case here and a series of transfers has happened, and Carvana, LLC and XXXX have been materially misrepresenting themselves as creditors and lien holders confusing the consumer, as well as preventing him for making informed decisions about his alleged obligation. Furthermore, the agreement is unfair and one sided with a finance charge almost as large as the amount financed.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

I have several student loans and was already on an XXXX ( XXXX ) repayment plan. I applied for a loan consolidation and reapplied for the XXXX plan via my account on XXXX I have attached a screenshot of the loan consolidation and XXXX application requests being received via my XXXX XXXX on XX/XX/24. 
My loan was approved on XX/XX/24 and the following day I received a second document saying that I was entered into a standard repayment plan ( documents attached ). I immediately called Aidvantage to ask whether my XXXX application had gone through and was assured by a customer service rep that they were still processing it and I could ignore the repayment document for the time being. 
I then received another document on XXXX informing me that the monthly amount of my standard repayment plan had gone up ( attached ) and called them again. The customer service rep told me that I had actually been approved for an XXXX plan already but it had not hit my inbox yet due to lengthy processing times with the current legal issues that were postponing the XXXX plan in court. 
I then received another document today, XX/XX/24, telling me I would need to pay the standard repayment amount in 18 days after my forbearance ended. I called them again and the rep, I spoke to a lady named XXXX at XXXX MST XXXX told me that my XXXX application actually had not been approved because they were waiting for income information from me. She told me I should be able to see that request on my Aidvantage portal, however, when I went to the portal I did not see the request. She did confirm that she was able to see the request on her end, and that instead of sending me the request they had simply kept me on the standard plan. 
The complaint I would like to file is that I do not believe Aidvantage ever actually considered me for the XXXX plan ( a plan I was already on with my prior loan servicer ). I know for a fact that they received the request and necessary application documents from XXXX. Instead they automatically put me on a standard repayment plan which is roughly $ XXXX {$400.00} more per month than my original repayment plan. Their representatives informed me repeatedly that the XXXX plan application was being considered but I was not able to find proof of this, and the last representative was able to see that a request had been made for me to provide additional documentation which I was not able to see or reply to in anyway. Lastly, if I had actually been approved for the XXXX plan as the second representative told me I was, I should have been on a non-interest accruing forbearance and I should still be on that forbearance based on the ruling of the court at the time that had postponed the XXXX plan. However, from the moment my loan consolidation was approved, I was on an interest accruing administrative forbearance, which I am still in until being required to make my first standard repayment XXXX  days from now.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I'm filing a complaint against XXXX for their overly burdensome dispute process, which violates the Fair Credit Reporting Act ( FCRA ). Today, I received XXXX letters from XXXX ( dated XX/XX/XXXX, file numbers XXXX and XXXX ) requesting proof of my identification and current mailing address and many other personal documents before processing my dispute requests. This practice repeats for every dispute, and it contradicts the FCRA, which protects consumers ' rights to dispute inaccurate information without undue burden. Moreover, the FCRA requires furnishers to investigate all disputes. Section 1681s-2 ( b ) states that " [ a ] fter receiving notice '' of a dispute, the furnisher " shall conduct an investigation with respect to the disputed information. '' 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). This language is " both mandatory and comprehensive '' ( XXXX XXXX, XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) ). XXXX 's practice contradicts CFPB guidance that " consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entity 's preferred format, preferred intake forms, or preferred documentation or forms '' ( CFPB, " Supervisory Highlights Consumer Reporting Special Edition, '' XXXX XXXX ). The CFPB and FTC have stated in an amicus brief : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it '' ( FTC, " FTC, CFPB Submit Amicus Brief Defending Consumers ' Ability to Dispute Inaccurate Items on Credit Reports, '' XXXX XXXX, XXXX ). I request that the CFPB investigate XXXX 's practices to determine if they comply with the FCRA and take appropriate action to ensure that XXXX processes my disputes without this onerous process. The ideal resolution would be for XXXX to investigate my disputes without requiring repeated identity verification, focusing on the substance of the disputes as required by the FCRA. I am attaching the XXXX verification requests received today as evidence of XXXX 's practice. ( This is also the case for Equifax. As evidenced in the attached letter from Equifax dated XX/XX/XXXX, they similarly require extensive documentation for identity verification before processing disputes. Equifax demands copies of XXXX items : XXXX to verify identity -- -with a complete 9-digit Social Security number -- -and another to verify current address ). These requirements impose an undue burden on consumers attempting to exercise their FCRA rights.
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Credit and Collections Inc. (MA)

DEAR UNITED CREDIT AND COLLECTIONS ; UCC ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ State Name ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION (NY)

I got my XXXX bill yesterday and I called the company right away. They were paid {$110.00} because they claimed that they did not get my check which they got. And charged me late fees. Paid them {$78.00} with my check that is not on the statement. XXXX bill is paid. And now want me to pay {$230.00}. I do have All my statements and checks beside the payment made from my phone. I have no problem with any credit card company about payment. Or that I have to pay half of any payment.
Consumer complaint received 2024-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NJ)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2024-07-11
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

we have a will and trust of parents which was all good originally then this past year we need to talk to them about XXXX $ i had sent for taxes. they made us send everything again and said it was good. when i found it hard to make payments called multiple times and they say we didnt do somthing right and they wont talk to us. on XXXX they were supposed to mail a packet of intent? but never did then on the XXXX filed papers at county appointing someone as trustee on account. never giving us opportunity to make arrangments on mortgage. then i contacted a realator to sell and im informed its up for auction. they still refuse to speak to us. I have faxes dated and names of them having all needed info in regaurds to speaking to us yet they wont. we are now just trying to pay whats owed and even payoff this mortgage and they refuse to talk to us at all nor will they tell us what we need to do. so how is one supposed to handle things when they wontg speak to any of us and refuse to acknowledge executorship of my sister when it was clearly filed with them through loan process but now us sending same thing isnt valid? its all not right and yes we got behind but only trying to right it and they have withheld evrything or option from us up to and including the auction of our parents property
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (FL)

I received a letter in the mail dated XXXX XXXX2024 stating that I owe {$200.00} to XXXX XXXX XXXX. I was never sent proof of this debt and attempts to get more details online asks for sensitive information to be confirmed. I will not confirm any information until I am notified of the proof that this debt belongs to me. Before now I have never received any correspondence about this debt.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (NV)

I sent a debt validation request to the collection agency, asking them to provide evidence of the debt, such as contracts or agreements with my name, proper identification, and a signed document confirming the debt is mine. The agency has not replied or supplied the necessary documentation to verify the debt.
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Cash Express, LLC (TN)

I have a loan with XXXX XXXX and have been overcharged or they have not proved I wasn't and are rude and careless when contacted. Neither the store, nor corporate has taken any measures to fix the matter. Every company has to have a person in charge to do their job and cash express is being negligent of all matters. I called and spoke to the XXXX XXXX once, who said he would look over it and call back, but never did. No action has been taken to prove the fee charged and correct the actions of the store. I am going to pay it off asap and never consider them again, nor recommend them to others, because they are the most careless place for loans on earth and are fraudulent to overcharge and not verify charges.