davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When trying to find out when a balance transfer promo apr expired we found out that citizens credit card will not provide that information on your account details on the website or through the statements. This is important account information specific to interest rates that needs to be included on consumer statements.
Consumer complaint received 2023-08-30
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. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX, 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Consumer complaint received 2022-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

On XXXX day i was with my brother I won a bid on XXXX to buy a XXXX XXXX. Once I won the bid I was talking to the seller and he said to send him money through XXXX on my PNC bank. I sent him the money and then I was emailed by XXXX  to NOT send money because of suspicious activity. The guy deleted his XXXX account. I was trying to get answers and he ghosted me, and made off with XXXX dollars of mine. 

I have called and opened a claim with my bank 4 or 5 times and they said " Due to the fact you used XXXX, we can not do anything because you directly sent him that money. 

I know my bank could have done something and they did not. Please help me. Currently unemployed now and can really use that for bills
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/year> NAVY FEDERAL CREDIT UNION was served a cease and desist to release the unlawful freeze placed on my checking account. They refused to remove the freeze immediately which violates bankruptcy law. Because NAVY FEDERAL has failed to perform thier fiduciary and custodial duties have been caused great harm. I have been denied my rights as a natural person and consumer. I have been prevented from attending to my everyday course of business of household and personal needs. 

NAVY FEDERAL CREDIT UNION is guilty of aiding and abetting BROWNSTONE FUNDING and Attorney XXXX XXXX in attempting to make me a debt slave. They are in violation of the following codes due to their unlawful actions : 18 USC 1589 ( c ) ( 1 ) states : The term abuse or threatened abuse of law or legal process means the use or threatened use of a law or legal process, whether administrative, civil, or criminal, in any manner or for any purpose for which the law was not designed, in order to exert pressure on another person to cause that person to take some action or refrain from taking some action.

NOTE 3 : 18 U.S. Code 1594 shows you that : ANYONE ATTEMPTING TO DO THIS, EVEN IF NOT SUCCESSFUL, WILL BE PUNISHED AS THOUGH THEY PULLED IT OFF. ALSO ANYONE WHO CONSPIRES TO DO THESE ACTIVITIES ARE JUST AS GUILTY AS THE PEOPLE GETTING FOUND GUILTY OF DOING IT.

18 USC 1581 - Peonage ( debt slavery ) - {$500000.00} - up to 20 years in prison 18 USC 1584 - Involuntary Servitude - {$500000.00} - up to 20 years in prison 18 U.S. Code 1593A - Benefitting financially from peonage, slavery, and trafficking in persons ( ANYONE ON THE FRINGES WHO BENEFITS FROM THESE ACTIVITIES ) - anyone found guilty of this one are treated as guilty to the actual statutes in this section. NAVY FEDERAL benefits clearly from my securities entitlement account ( checking account ), but I as the beneficiary of this account am receiving no value in return and am being robbed of rights as a natural person to satisfy all of my household needs in my everyday course of business.

They are all in violation of the FDCPA.

- 15 USC 1692b ( 2 ) - 15 USC 1692d ( 1 ) and ( 3 ) - 15 USC 1692 ( 3 ) due to Attorney XXXX XXXX can not be a debt collector nor can a debt collector be an attorney.

- 15 USC 1692g - 15 USC 1692i ( 2 ) ( b ) due to the entire lawsuit and judgement being illegal because nothing says nor authorizes the bringing of legal actions by debt collectors.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, XXXX, and Equifax to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

Before the forebearance, each additional payment put toward a loan had the option to not advance the due date. Now, that option is not available when making an extra payment. Now, theres a separate area of the website you have to navigate to in order to select the option to not advance payments. 

The problem is, when I try to select the box to not advance my payments, I get an error message saying, Sorry, theres been a problem and it is unable to process my request. I have tried refreshing, logging out and back in, and using different devices and it says the same thing every time. I have tried on multiple different occasions over 4 weeks and the same issue arises every time. 

I called customer service to have them help with the issue, and I was told they would submit a form but they would not be able to address the issue for 6+ weeks. Meanwhile, interest accrues daily. When asked if I would be made whole in regard to the interest, I was told no. 

I am filing this complaint because I have exhausted all other avenues for a satisfactory resolution. Nelnets actions here are at best unprofessional, at worst predatory, and overall unacceptable.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NV)

Unauthorized charges to my XXXX  XXXX  account. Account was closed on XXXX, I was charged an additional 30 days after I cancelled insurance. I paid the amount owed and account still shows in my report, no refund provided. Ive attached proof.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

On XX/XX/XXXX via certified registered mail, I tendered ( following no response from DISCOVER after the first tender mailed on XX/XX/XXXX for amount of {$5900.00}. XXXX/XXXX DOLLARS ), another negotiable instrument ( U.C.C. 3-603 ) in the amount of $ XXXX DOLLARS for satisfaction regarding account number ending in XXXX given the Remittance Coupon Presentment in the amount of they sent by USPS. Included in my correspondence was Notice of Acceptance and Authorization to Set-off and " Instructions to Tender Payment '' to set-off account number ending in XXXX for the amount $ XXXX DOLLARS. I informed DISCOVER my negotiable instrument is presented under the authority of The Constitution Article 1 section 10. clause 1, The Constitution Seven Money Clause # 6, The Constitution Monetary Rule # 5, House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ), Title 31 USC 5118, and the U.C.C. '' ( Uniform Commercial Code ) - The Federal Tax Lien Act of XXXX 
I requested if for any reason, DISCOVER was unable to apply the credit and adjust the accounting thus completing the set-off, because I have accepted their presentment for assessed value, to please send a notice of dishonour from a qualified third party as well as, if applicable, send any law, code, policy or provision that purports that their company has a right to require payment in a particular kind of currency and/or that I am not in honour nor continue to operate in good faith nor with clean hands to satisfy this obligation for both parties. There was a directive to send the documents to the address I provided within ten ( 10 ) business days from the date the Notice of Acceptance and Authorization to Set-off was post marked.

DISCOVER did not respond AT ALL, nor with a third-party notice, nor did they set off of the account ending in XXXX ; therefore, ( DISCOVER ) fell into default due to non-response. As of date, XX/XX/XXXX, I have yet to receive any written correspondence/action fulfilling my specific request to discharge/setoff account ending in XXXX, nor have I been made aware as to why lawfully XXXX XXXX  is choosing to not sef-off the account though tender was made. 
DISCOVER was informed of California 's Commercial Code 3603/UCC 3-603 `` If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender ''. Due to DISCOVER not responding to any of my correspondence, they acquiesce to my terms therefore, I am seeking complete discharge/ set-off of the full amount of $ XXXX Pursuant to 1-102 and 3-603 of the Uniform Commercial Code. With DISCOVER failure to respond and set off of the account, per contract is now in debt of {$7500.00} to the Principle of said account and no longer have the capacity to pursue collection.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In XXXXXXXX XXXX XXXX, the car was purchased by my XXXX XXXX XXXX and I was the cosigner. The payoff on the car she traded in was not made for an excessive amount of time- I found the dealer sold the business and never completed her transaction- I could get no response so I contacted Nissan XXXX XXXX  and they could not help- finally I located the new Dealership VP and he had us sign new papers but the terms were not the same. 
NOW Nissan XXXX didnt provide my Granddaughter with her her bill so she assumed the payment was in XXXX I was checking the account and immediately made her XXXX payment. In XXXX I paid XXXX and XXXX in time to avoid the late fee- however the payment was misposted as 1 payment with a additional principal reduction instead of 2 payments. I called Nissan and was told they would reverse it and post it as two payments but again they only posted it as 1 payment with extra to the principal so I again called, same response. ( I also used the online Chat portal many times ) I called again and asked for a manager/supervisor and was hung up on. Ive called repeatedly to have a Supervisor/Manager to reach out to me but no action has been taken on their part. Now I have made new payments to try to avoid negative credit report posts but they have posted us delinquent. I am dismayed that no upper management can handle and review this loan. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act, This Creditor Comenity Capital/Sephora has violated my rights. 
15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 1681 : Section 6 04 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late payment for any purpose.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On or about XX/XX/2024, without my authorization, Bank of America dispersed {$5900.00} from my account number XXXX to XXXX ( formerly XXXX aka " XXXX '' ) and since that date has wrongfully refused to make set amount available to me. Bank of America dispersed these funds to a company called XXXX. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with XXXX. I have been a victim of identity theft. XXXX did not check ID for the applicant and Bank of America did not conduct an investigation. Bank of America and XXXX are simply agreeing with XXXX another without conducting an investigation. XXXX has provided some of the original application. XXXX has refused to provide statements. XXXX has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of XXXX  ( XXXX  formerly XXXX ) until Bank of America dispersed funds to them without my knowledge. XXXX is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OR)

I have been charged interest since account opening. However, the intro APR promised to me when applying was 0 % for 15 months. Upon reviewing my statements, I see I have been charged interest since account opening. I received no notification of this. This is a massive error on AMEX 's end. Solution : AMEX must refund my interest charges that were wrongfully charged for 15 months after account opening. 

The company made a false and un-verifiable claim that I was advised that I may not receive 0 % APR during my application process : Their claim : " During your online application you were advised based on your history with American Express welcome offers, introductory Annual Percentage Rate ( APR ) offers, or the number of cards you have opened and closed, you are not eligible to receive this welcome offer. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer, intro Annual Percentage Rate ( APRs ), and intro plan fee eligibility. 

This statement is a false claim, and is not factual. By doing so, they are violating the Truth in Lending Act ( TILA ). Unless the company can prove this claim, my complaint is a valid claim. I demand all interest be removed immediately.
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AR)

I received call from XXXX. They refused to identify themselves after XXXX seconds of me repeating to them " Whose Calling? '' At the beginning of the call, they did state that the call is recorded but refused to state who they were or who they were representing. 

This is against the FDCPA, as debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used to collect the debt.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid.

I made all payment on time to the aggreement.

They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Inquire done for credit card, I already have a XXXX XXXX XXXX account. This application on this date ( XX/XX/ ) was not done by me.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MD)

A friend of mine repaid the {$2000.00} I loaned him through Western Union from XXXX. I live in the XXXX. When I went to pick it up at the local Western Union agent, they gave me {$500.00} in cash and issued the remaining {$1500.00} as three money orders of {$500.00} each, since that was the only option available at the time. The money orders were issued on XX/XX/XXXX. 

On XX/XX/XXXX, I deposited the three money orders totaling {$1500.00} into my XXXX  XXXX XXXX account. However, on XX/XX/XXXX, the bank deducted the money from my account and sent me a letter stating the money orders were returned unpaid with a note saying, " refer to maker. '' After multiple attempts, I finally got in touch with a Western Union customer service representative over the phone. He informed me that I needed to fill out a form and pay {$15.00} per check to resolve the issue, even though the money wasn't cashed. I protested this charge, arguing that I shouldn't have to pay {$45.00} and go through a lengthy process for their mistake. All I did was deposit the checks, which were then returned unpaid. 

I asked to speak with a manager. The representative put me on hold, and when he returned, he asked for my address and legal name, assuring me that a new check would be sent to my address within three weeks. However, I never received the checks. 

I called back and was told by another agent to send a copy of the bank letter and the receipt for the money orders to XXXX, which I did on XX/XX/XXXX. Since then, I haven't heard anything from Western Union. I haven't even received an acknowledgment email confirming they received my documents or information on what to expect next.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX