davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NAVY FEDERAL CREDIT UNION (VA)

On or about XX/XX/XXXX I called for information regarding my vehicle and spoke with XXXX XXXX the bankrupcy specialist she stated. She explained what i needed to do to maybe get my title so that I dispose of a non running car or they can have the back and clear my record since she stated there was a XXXX balance, but yet the car was entered into bankruptcy in 2013 and actually no longer exist or should be a part of the subject as far as payoff amount. I did request that if paid can i then get my title which I was told I had to offer to pay between $ XXXX {$300.00} to get the title. Although it sounds like bribery but I also have been transferred, hung up on, told to submit documents over and over, she kept stating she was not receiving my emails, would not let me speak to a supervisor. When asked for complaints, I was told to go to social media XXXX, this is definitely the worst service ever received there and no other than to file this case to hopefully get the attention of someone in or that have some authority. I feel the NFCU bankrupcy dept specialist and supervisors have ignored my request and because I am a senior with a bankrupcy have not provided me the services I'm intitittled too when requested which is clearly also discrimination, which is another case.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (IN)

When I turned a leased vehicle into a purchase back in XXXX of XXXX Honda did not release the title to me and my bank properly or timely. It is now XXXX, and the bank STILL has not received the title. 

I asked Honda to put in a request with the Indiana XXXX XXXX XXXX XXXX for a duplicate title. The XXXX has not processed the request as of today, XX/XX/XXXX. It has been XXXX days since they received the duplicate request. 

The ball is in Honda 's court to inquire with the XXXX as to why the request has not been processed. However, their policy is to wait XXXX weeks, and have said their policy is not call the XXXX before then. They are able to make this call, but they are using an arbitrary policy to NOT contact the XXXX. I am unable to wait any longer, as I need this title issue corrected in order to deal with my insurance company. 

This is not the first time they've changed contact expectations. When I first spoke with Honda Financial at the beginning of XXXX, they said that the title could be processed within a few days. Now I've had to wait until today, and now I have to wait another XXXX weeks. 

I need Honda Financial to connect with the Indiana XXXX XXXX XXXX XXXX in order to process the duplicate title. There is no reason this process should be dragging on at this point. It is not an undue burden on Honda Financial to participate in a phone call with the Indiana XXXX in order to complete this process.
Consumer complaint received 2024-03-12
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 (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$0.00} Date OpenedXXXX Account Number : NAVY FEDERAL CR UNION Account # XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date OpenedXXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date OpenedXXXX
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (UT)

I've been trying to start paying off my student loans. When I tried to make a full payment of XXXX, the button doesn't work to process the payment. It won't even let me make a payment for the amount due. So, interest continues to accrue and I can not make a payment!
Consumer complaint received 2020-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Name of the Collection Agency is Portfolio Recovery Associates, LLC. 
In XXXX of XXXX they would not stop calling nor would they stop sending me notices in the mail. I was paying them what I could afford but the company wasn't happy about the amount. I told the agents in XXXX of XXXX if they would not stop calling me I will stop paying them because they kept harassing me. 
The original debt is from XXXX. 
In previous letter I explained to them that I was admitted to the VA XXXX XXXX numerous times and I had no money to pay them during XXXX. I also informed them that I took out the insurance that they provided me on the card. The company said if I could prove that I paid the insurance I would be discharged of this debt. I then informed them that I had moved numerous times and had lost all of the paper work and asked if they could provided me proof of the past Credit Card statements, which they didn't. 
Once they called me on XXXX XX/XX/XXXX, I told them to review previous calls to which I had spoke to them and all matters concerting my account. They didn't review the calls, so I told them I wasn't paying them anything further because they kept harassing me. 
On XXXX XX/XX/XXXX I spoke with XXXX  XXXX  after getting a noticed in the mail. I explained to her what was going on and I had sent a Cease and Desist letter to their company. 
I then applied for a home loan ( XX/XX/XXXX ) and a personnel loan ( XX/XX/XXXX ) ; I once again started getting letters and calls. On XXXX XX/XX/XXXX I sent them a letter explaining what had happened in the past as well as a Cease and Desist letter to : Portfolio Recovery Ass., LLC - XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX as well as XXXX XXXX XXXX XXXX VA XXXX I got a statement form them on XXXX XX/XX/XXXX. I figured they had not got the letters so I sent copies of the previous letter and a new letter informing them once again if they tried any communications I would inform the Fair Trade Commission and Arkansas State Attorney General. Those letter were sent out on XXXX XX/XX/XXXX to : XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; Disputes Department XXXX XXXX XXXX XXXX VA XXXX I get a call from XXXX at XXXX on XXXX XX/XX/XXXX. I informed her that I had already sent a Cease and Desist letter now I was reporting them to both Fair Trade Commission and Arkansas State Attorney General. 
I have attached all the letters I have sent to them within the last month
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 



XXXX XXXXXX/XX/XXXX Experian RESIDENT VERIFY XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (CA)

I opened this account in XXXX  but now I have moved to XXXX  I wanted to close this account and get the balance refunded, but the bank refused to do so citing fraud prevention. They locked my account and do not allow any deposit or withdraw. In order to unlock or close it, they insisted that I have to step into a local branch physically to unlock or close it. I am in XXXX  now, it is ridiculous for me to travel back to a local branch in XXXX  in order to close my own account.
Consumer complaint received 2024-03-12
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)

I would like to dispute the following items on my crdit report : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$15000.00} Date XXXX Account Number : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$3800.00} Date XXXX Account Number : XXXX XXXX XXXX Account # XXXX Balance : {$310000.00} Date XXXX
Consumer complaint received 2023-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

To whom it may concern, I opened my 4th account with Capital One on XX/XX/XXXX. Specifically, I opened a Venture travel card as they are running a promotion where you get XXXX bonus miles when you spend $ XXXX in 90 days from opening the account. However, what I found was that unlike my other 3 capital one accounts which let you immediately use the card in virtual form when you open the account this Venture card suddenly " does not qualify ''. In other words, the only card with a time sensitive benefit attached they choose to not allow you to use right away. Also, all 3 of my other cards came incredibly quickly while this one opened on the XXXX I am not expecting to receive until the XXXX ( as per their app ). It would seem that the company is going out of their way to ensure a reduced amount of time to use the card and earn the bonus miles. 

I requested that they approve the virtual card for the account like my other 3, they said they didn't have any control over it. I requested they extend the date by which I had to spend the $ XXXX for the bonus to begin once the card was received, again they could not. I then requested any form of email confirmation of the conversation and documentation of the issue and was told they are unable to do this as well. 

The issue just seems to be the discrepancy when it comes to the single time sensitive card and I am willing to be that this happens to basically everyone else as well.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (KY)

They gave me a loan for a car thats not even worth XXXX dollars and I been having issues with the car ever since been in contact with credit acceptance for months I talked to them yesterday XX/XX/XXXX and they said I have to pay to get my car home and they also said that If they auctioned it off I would still have to pay the remaining debt left and this after I voluntary repossess my car cuz the transmission failed and they said yesterday they have no knowledge of the car having problems which it has been having for years
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA) (NM)

Today is XX/XX/year> and I just received the debt collection letter from Receivable Management Group , Inc. dated XX/XX/year> ( with no post park to prove mailing date ), advising I could dispute until XX/XX/year>. I have never received a bill from the provider listed and I have not received anything from my insurance that this was submitted. In addition, the bill was reportedly occurred sometime between XXXX and XX/XX/year>. Less than 6 months yet this is the first I have heard of this. I believe this to be completely fraudulent claim.
Consumer complaint received 2024-03-11
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. (IL)

According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion stated in the attached compliant that the account # XXXX ( XXXX XXXX ) would be DELETED. According to my credit report as of XX/XX/2022 XXXX XXXX is still on my credit report.
Consumer complaint received 2024-03-11
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. (MI)

Experian credit reporting agency has an account in bad standing on my credit report. This account has been on my credit report since XX/XX/XXXX. I became aware of this account XX/XX/XXXX. I disputed this account 3 times and experian will not remove from my report. 
The company XXXX has since charged off this account and it is still present on my report. Contacted them XX/XX/XXXX because one of my credit cards closed and sited this account as one of the reasons.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This involves New Jersey unemployment money which I have been trying for over a year to obtain. Bank of America has committed many federal violations over the years. They have been under investigation under the RECO ACT. They violated my constutional rights this is the bank account number XXXX XXXX XXXX XXXX XX/XX/25 XXXX They are holding XXXX us dollars
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Identity theft, and or Fraud has been done on the accounts below. I did not make these transactions pursuant 15 USC 1681c ( 2 ), 15USC 1681q ( 3 ) you or anyone of these companies did not have Permissible purpose ( 15USC1681b ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ). I have disputed things and with out investigations you say you have and its accurate. An investigation 15USC 1681a ( e ). That was not done.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this account or fraudulent inquiries to be reporting on my EXPERIAN XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX have falsely represented them self at Superior Court New Jersey to collect the debt which XXXX XXXX XXXX XXXX XXXX didn't own it nor have any contract in place to collected on client behalf. XXXX XXXX XXXX XXXX XXXX bad intimidation and harassment have cause me pain and suffering and must pay by the State and Federal laws described it in 15 USC law.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (GA)

Account # XXXX reference number # XXXX. My rights enacted by the FCRA, XXXX and the Privacy Act are in violation by the unaffiliated third parties I have a complaint with. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported which is falsely being claimed by XXXX. In addition, I have late payments that are being listed that were never verified and violates my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of corporate compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extension of credit which is affecting my general welfare. This leaves no other option than to take this to feral court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc. (CA)

Our Mercury Bank account was locked from online access on XXXX/2023, so that we can not see the balances or any transactions simply because an incoming ACH payment was not in my name. I explained via email to Mercury Bank 's compliance department that the ACH was in a dba of ours and even provided documents to prove that but Mercury has so far ignored us. {$10000.00}. was confirmed via email from Mercury as transferred from the account yesterday to another ( linked, external ) account of ours and they did email us the confirmation that this was done, but this was before Mercury compliance locked the account so now we don't even know what is going on or if Mercury in fact made the transfer. And another ACH deposit arrived in the bank account today and we don't even know what happened to it or what our balance is. This is NOT the way to do business over something as minor as the name on an ACH not matching the account holder name which actually the name DOES match our dba. If a bank has an issue with an incoming ACH it must either accept it or return it to the source it CAN NOT both accept the ACH and then refuse to honor a customer 's order to transfer the funds out - that would be a violation of federal Banking regulations to provide confirmation that a transfer was made and then not make it, let alone to hold funds in our account and also not honor the transfer out request.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.