davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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 (TX)

Currently i have been monitoring my credit and recently found there were 2 credit card accounts where someone has apparently opened them in my name from California, and it was not me. One account is showing as Capitol One ( I HAVE NO CAPITOL ONE ACCT ), the second account is showing as XXXX XXXX XXXX ( I HAVE NO XXXX XXXX XXXX Acct ). I have absolutely NO knowledge of these accounts and i have verified with each of these entities that each of these accounts were not mine nor do i have any knowledge of them what-so-ever. 

I have also provided verification that to each entity the account is NOT mine and they are reporting inaccurately! As of this date they are STILL SHOWING on all 3 credit bureaus as delinquent accounts! 

Please help me get these fraud accounts off all three credit reporting bureaus!!!
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (WV)

Credit collection service at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX First of all these insurance companies do this making it impossible to get a fair rate it's sort of like insider trading we're going to say didn't pay his bill put it on his credit report and then we can cause him to have a higher rate because of what we put on his credit report fraud at its finest. 
XXXX made me pay my past due policy in full before they ever gave me my new motorcycle policy in XXXX of 2023. I have no clue why XXXX  sent this to them. However, XXXX  and this credit collection bureau are now liable I want this removed from my account immediately. Because it is blatant fraud against me.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (TX)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I have experienced with Navy Federal Credit Union. As a customer of Navy Federal Credit Union, I have been subjected to discriminatory practices that have resulted in a lack of annual benefits, higher APR rates, and a refusal to increase my credit limit. XX/XX/year>, Navy Federal refused to honor my Anniversary loyal cash rewards for lower APR of 9.65 % as well as credit limit increase. 

Under consumer protection laws, it is imperative that financial institutions such as Navy Federal Credit Union adhere to fair lending practices and provide equal opportunities for all customers. However, I have consistently been denied access to annual benefits, lower APR rates, and an increase in my credit limit without any valid explanation or justification. 

This discriminatory treatment not only violates my rights as a consumer but also goes against the principles of fair and ethical banking practices. As a member of the Navy Federal Credit Union, I expect to be treated fairly and have access to the same benefits and opportunities as other customers. 

I urge the XXXX XXXX XXXXXXXX to investigate this matter thoroughly and take appropriate action to ensure that Navy Federal Credit Union complies with consumer protection laws and provides equal benefits and opportunities to all customers. Discrimination in any form should not be tolerated, especially within the financial sector where trust and transparency are paramount. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and equality in banking practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked for documentation showing that I allowed them to report our personal engagements on my credit and they have yet to provide. This has deminished my standard of living. Ive even disputed these statements and only received information saying it was accurate from XXXX XXXX XXXX XXXX. This has also impacted my ability to provide for my children due to higher rates on living expenses such as car note, rent and any financing options. I am a XXXX veteran asking for your help.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following unknown address they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is THIRD follow up complaint. I had a issue that was reported to the XXXX policedept. I filed a complaint with the FTC over someone using my information to get accountsand loans. Someone recently was able to apply for several loans. I live in OHIO my ID isbeing used around the country. Please remove the following accounts and inquires:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (NC)

FOR THE LAST XXXX YEARS I HAVE RECEIVED A BILL FROM MERIDIAN FINANCIAL SERVICE A COLLECTION COMPANY WITH A DEMAND FOR PAYMENT IN THE THOUSANDS. I HAD TO PAY THE BILL IN XXXX BEAUSE THEY SENT THE BILL TO THE CREDIT REPORTING AGENCY WHICH LOWER MY CREDIT SCORE. EACH MONTH XXXX DOLLARS WAS ADDED WHEN I DID NOT PAY. 

THIS YEAR THE BILL HAS CHARGES FOR LATE FEES {$930.00}, AND AS OF XX/XX/XXXX I OWE XXXX. HOWEVER, DURING THE YEAR, I HAVE NOT RECEIVED ONE BILL. THE COMPANY IS XXXX XXXX XXXX XXXX. 

SINCE A BILL WAS NOT SENT TO MY ADDRESS. I AM ASSUMING THAT THIS COMPANY IS HOLDING THE BILL SO THAT IT CAN ACCUMULATE LATE FEES AND OTHER CHARGES. I HAVE XXXX BILLS THAT I PAY MONTHLY AND THEY ARE PAID100 % ON TIME. AS IS NORMAL, I GET A STATEMENT EACH MONTH FROM THESE COMPANIES TELLING ME HOW MUCH I OWE AND WHEN IT IS DUE. WHEN I RECEIVED THIS COLLECTION LETTER THIS MONTH, I CONTACTED THE COLLECTION FOR INFORMATION ABOUT WHY I DID NOT RECEIVE A MONTHLY BILL AND I HAVE NOT RECEIVED AN ANSWER FROM THEM. 

SO IF A BILL IS OWED, LEGALLY, A MONTHLY STATEMENT MUST BE SENT OUT TO THE CUSTOMER. I HAVE NEVER IN THE XXXX YEARS RECEIVED A MONTHLY BILL FROM THIS BUSINESS. 

I WANT A DETAILED BILL FROM THE XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (FL)

I have applied for forgiveness program and was approved. Nothing has been updated since the approval few years back. The company keeps selling to other companies who keeps reaching out even after letter of approval been given prior. What is the point of applying to XXXX forgiveness program just to keep having the same issue on your credit? I am also having issues with XXXX XXXX XXXX.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit.

This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX my card was hacked. I noticed some transcations that i did not make. I have issues with my card being hacked chip malfunctions and fraud on my account
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, I am an investor for Navy Federal since I receive a payment coupon on a monthly basis. Payment coupon are defined as The dollar amount of interest paid to an investor. The amount is calculated by multiplying the interest of the bond by its face value I HAVE NOT RECEIVED MY INTEREST FOR THE ACCOUNT ENDING IN XXXX NOR HAS THE INTEREST AND PRINCIPAL BEEN APPLIED TO THE ACCOUNT FOR SET OFF. XXXX, XXXXAgent on behalf of XXXX XXXX accepts all right XXXX titles, and interest for account ending XXXX. XXXXAgent on behalf of XXXX XXXX REVOKES POWER OF ATTORNEY and SECURITY INTEREST FOR NAVY FEDERAL CREDIT UNION FOR ACCOUNT ENDING IN XXXX. I am requesting the account be REOPENED since I provided an asset back security/loan/investment/debt security/receivable/registered security/book entry security to Navy Federal Credit Union and I have not received equal consideration This account is already prepaid due to my application/account being pledged to the federal reserve bank as collateral security. The XXXX Annual Report states At XX/XX/XXXX, Navy Federal pledged consumer and credit card loans to the FRB as collateral with a carrying amount of {$42.00} XXXX for the ability to borrow up to {$28.00} XXXX. At XX/XX/XXXX, Navy Federal pledged mortgage loans held for investment with a carrying amount of {$26.00} XXXX and debt securities with fair value of {$1.00} XXXX to the XXXX as collateral for the ability to borrow up to {$20.00} XXXX. As of XX/XX/XXXX, Navy Federal pledged {$25.00} XXXX of consumer and credit card loans 50 Navy Federal Credit Union XXXX Annual Report NOTES TO CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED XX/XX/XXXX AND XXXX to the XXXX  as collateral for the ability to borrow up to {$19.00} XXXX. Please note this is SECURITIES FRAUD pursuant to 18 U.S. Code 1348 - Securities and commodities fraud since the security was obtained by means of false or fraudulent pretenses, representations. The cardmember agreement never disclosed the account would become a receivable that is securitized and sold on the secondary market or the credit card loan being pledged to the Federal Reserve as collateral. Please complete the request within 10 business days of receipt or I will be forced to escalate this matter to the proper regulatory authorities such as the SEC, FIRNA, IRS. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.
Consumer complaint received 2019-08-29
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC. (GA)

PCR INC. a debt collection agency is repeatly calling and harassing me after i told them to stop calling me. They have been calling me at least 4 times a day and after XXXX XXXX
Consumer complaint received 2023-08-31
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. (GA)

in accordance with the fair credit reporting act XXXX  account name XXXX account number XXXX and account name XXXX XXXX XXXXXXXX account number XXXX and account name XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy. 

15 u.s.c I am 1681 section 604 A. Section 2 : it also states that consumer reporting agency can not furnishing a account without my written, instructions
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, I have tried getting this inaccurate information off of my report for years now. There are several collections that I have asked Experian to verify or delete off of my report. Every other credit bureau has complied except for Experian. This is causing a single mother of four a lot of stress and turmoil for the inaccurate information being reported. It is stopping me from funding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stopping me from buying a house and getting the cars I need for the business. I feel like I am being discriminated against as I am XXXX  and a woman. I really need some assistance getting this inaccurate information cleared away. Also they keep adding back inaccurate addresses, names and phone numbers.
Consumer complaint received 2023-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had two purchases from XXXX XXXX that were not me show up on my statement. I filed a dispute and Bank of America claimed they were me and that I was lying they totaled to XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PR)

On XX/XX/2022, I went to Sam 's Club in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The Sam 's Club 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank ( Synchrony Bank ) approved my credit limit of {$1000.00}. This credit represented a personal Sam 's Club credit card. This credit if for shopping in this store and Walmart only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in XXXX credit bureau because of this credit card application. I make a phone call to XXXX and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to Sam 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that Synchrony Bank is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call XXXX, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the Sam 's Club 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.
Consumer complaint received 2022-06-26
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: EQUIFAX, INC. (CA)

I am writing in accordance with the Fair credit reporting act Convergent Account #, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent / instructions. 
XXXX XXXX # -- XXXX Credit XXXX XXXX # -- XXXX XXXX XXXX # -- XXXX XXXX # XXXX -- XXXX XXXXt # -- XXXX XXXX XXXX XXXX # -- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX 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 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP (TX)

On XX/XX/2018, I spoke with XXXX in the deferment department to set up a payment extension, and I was denied an extension because I was not working. Therefore, I asked to speak with a Supervisor XXXX XXXX. XXXX XXXX told me yes I qualify for an extension because it ' been over a year that I have paid my car note. However, because I am not working he will not give me an extension. 

Because of this errant handling of my request, they are definitely breaching my contract which states I am eligible for a extension because my account has been active for a year.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne deducted {$2800.00} from my checking account via their BillPay service on XX/XX/2024 for my mortgage payment to XXXX XXXX. 

They claim for payment timing to XXXX XXXX " We'll try to pay this bill electronically. Most payments arrive in 1 to 2 business days but can take up to 7. '' In the past, the payments after being deducted from my checking account show on my XXXX XXXX account as paid within 24 hours. 

As of XX/XX/XXXX ( 13 days after the money was withdrawn from my checking account ) my mortgage with XXXX XXXX remains unpaid.