davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (NC)

This complaint is an addendum to complaint number XXXX due to limited capacity to upload documents. Additional pertinent information was added to this complaint. The debtor signed a promissory note for a new car loan, without a clear understanding of the implications associated with the promissory note. The NFCU agent did not clearly translate in a language that the debtor could understand the promissory note, disclosures, and the Security Agreement section. Specifically, NFCUs role as Attorney-in-Fact, security interests or NFCU receiving proceeds, that the signed promissory note would be securitized and converted into a negotiable instrument. She was bullied into thinking that she was supposed to tender payment with a debt note. ( 12 CFR 1006.18 ). The debtor verbally communicated to make special payment arrangements with NFCU when she was experiencing hardship with a family member. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. She attempted to communicate with NFCU when her car was repossessed in XX/XX/XXXX via telephone and correspondence. Her attempts to communicate with NFCU were in good faith. What she experienced was long waits on the telephone or abruptly disconnected while on the phone, no responses from her correspondence with the exception of receiving a Notice of Repossession ( XX/XX/XXXX ) and a Notice that the vehicle was sold ( XX/XX/XXXX ). A side note. Two credit card accounts were closed during this distressful and emotional time in her life. The debtor sent a negotiable instrument on XX/XX/XXXX, with no reply. Sent a Notice Opportunity to Cure on XX/XX/XXXX, and Notice of Default in XX/XX/XXXX, a Certificate of Non-Response on XX/XX/XXXX. The debtors account was never credited nor were the negotiable instrument ( s ) returned. NFCU violated the Federal Reserve Act by displaying a pattern of misconduct, engaging in an unsafe or unsound practice in conducting the affairs of a credit union and breaching fiduciary duties. NFCU is a non-profit organization that took my security, transferred to its parent company. NFCU breached its fiduciary duty. NFCU is a non-profit organization that does not have to pay taxes or report transfers or funds to an LLC. NFCU violated the debtors privacy by reporting her personal information to a third party without written permission from her. ( Privacy Act of 1974 ). As a result of this violation, she has suffered derogatory credit scores. Lastly, NFCU took advantage of the debtors lack of knowledge of the mechanics of money and the debtor seeks compensation.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MicroBilt / PRBC (formerly CL Verify) (MI)

MicroBilt continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and MicroBilt has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

LexisNexis continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and LexisNexis has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (MI)

FactorTrust continues to report incorrect information on my consumer report. I have submitted my identifying information on several occasions to get this information updated and FactorTrust has yet to follow the guidelines provided by federal law governing the consumer agencies that furnish consumer reports. My name is XXXX XXXX there should be no other name or names listed if there are they are incorrect. My address is XXXX XXXX, XXXX, MI XXXX there should be no other addresses listed in my report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXXXXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! XXXX is reporting that is a Travel Card / Entertainment {$3200.00} while XXXX is reporting as Miscellaneous {$33000.00} and Experian is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

My issue has been going on since XX/XX/2018. The call center reps at Navient have no idea what each other are doing. No information gets passed on and you're constantly having to retell your situation, only to be passed on to someone else and start over. No one there provides solutions to the problems and they NEVER follow up with you. It's ALWAYS been me having to chase them up. The only correspondence I've gotten from them are the incessant emails about my account being due for payment. I live overseas and have been paying my student loans on time, each month via my XXXX debit card that's linked to my foreign bank CHECKING account. As of the new year XXXX 2018 ) Navent has said that the Department of Education identifies foreign debit cards as credit cards, which they can not accept as payment. I've insisted that my debit card is in face a DEBIT card and not a credit card more times than I care to count. I don't even own a foreign credit card!! So one of there reps, XXXX XXXX ( a customer advocate, what a joke ) sends a generic email explaining that I need my overseas bank to certify my card as a debit card and to upload the letter as well as the first 6 digits of my debit card onto my Navient account. I got a letter describing EXACTLY what sort of card I have ( a XXXX XXXX linked only to my checking account ) with the bank 's official seal stamped on it AND a photo copy of my card. I rang a couple weeks later to see if anyone had began to action his and the rep had no idea what I was talking about. I've rang and emailed XXXX about 8 times in the last 6 weeks and have absolutely zero response back from her. In fact, I conveniently get her voicemail EVERY time I ring her. I am living overseas in another country, making every effort possible to make timely payments on my student loans and Navient has made this process so miserable I fee like giving up all together. No one is there to help. They're there to get their 8 hours of work in and leave. I'm so sick of having to be the one chasing them up and bending to their rules. I pride myself as being one of  the borrowers making a conscious effort to do right by my debt, but Navient has made it all but impossible. How am I meant to pay with my overseas debit card if Navient doesn't allow it? I hope the complaint gets received by the proper channels and authorities. The higher ups are lacking when it comes to procedures for overseas borrowers and how to help them make payments.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 a payment transaction was made from my Chase checking account to XXXX XXXX for the amount of {$9000.00}. I do have an account with XXXXXX/XX/XXXXhowever this transaction had nothing to do with any account affiliated with me. I disputed the amount before the transaction went through however Chase said they could not act on it until it went through. Ultimately 2 weeks later they determined that the transaction was not fraudulent based on the fact that I had made prior transactions to XXXX XXXX and even though they were not able to tell if the transaction was made to a completely different account. Their resolution was that I should file a claim with XXXX XXXX which I did however their resolution was that the claim should be made with Chase. I keep getting shuffled between the XXXX companies.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best place mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt and that turned my world upside down. I stayed from place to place wherever I could and my personal information was stolen in the midst of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my report.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. XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteates the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX  XXXX balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I have been managing my mother 's checking account for the last year, my name is also on the account, as far as I can tell there have been numerous overdraft fees attached to her account due to fraudulent checks that were cashed by the bank. I have spoken several times to the fraud department with very little help, no correspondence on claims filed. We have closed the account and opened a new account and still the problem persists. Checks that were ordered have never been received! Checks have been ordered twice in 2022 for the new account and still never received. When we notify the bank all they say is wait a couple of more weeks. Her savings account has been drained by overdraft fees!
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (AL)

Upon checking my consumer report. I see that your company is saying that i owe you. I have never did business with your company and any account that is open with your company is fraud. I didn't give your company or any one else authorization to access my report or open anything in my name.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MS)

I was supposed to receive the bonus for opening the account as long as I had the qualifying deposit to my account at least up to {$1000.00} and I never received that Ive reached out about this matter and they closed my account
Consumer complaint received 2023-01-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (AL)

This complaint is for XXXX XXXX. They are a third party which has no affiliation to me what so ever. I did not go into contract with them, I also did not ask them to continue contacting me or report anything about me.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. 
Numerous calls to US Bank Fraud Department with many promises and no results.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, MI XXXX XXXX Account # XXXX, XXXX Funding Account # 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
Consumer complaint received 2023-06-03
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (MI)

I have asked Lexius Nexis to update the Bankruptcy information. Lexius Nexis have been sharing this information with XXXX, XXXX, and XXXX  without my consent. I received a letter from the Court stating they did not share this information with Lexius Nexis and XXXX XXXX. This is a violation of my credit report and rights as a consumer. I received a letter from Lexius Nexis stating to contact the court. I have provided proof from the court it is not shared. It has to be removed.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My wife and I were on celebrating our anniversary in the XXXX, VA area ( XXXX XXXX ) when we were introduced to XXXX XXXX. We attended a presentation and committed to a XXXX XXXX XXXX XXXX XXXX. In which, due to life happening ( before and after Covid ) we never was able to utilize the facility. Fast forward, XXXX years later ( XXXX ) we finally booked a stay in XXXX. While celebrating another anniversary, we entered into what we thought would be an update session but turned out to be another presentation. XXXX to XXXX hours later, we exit the pressure tank! We had signed contracts that appeared later that we couldn't had read. That was the first red flag... Here 's the second flag! We had a free week vacation that needed to be used by XX/XX/XXXX. My son was getting married in XX/XX/XXXX so as a wedding gift I figured that would be a great honeymoon sendoff. Long story short, turns out that free week ended up costing me {$1700.00} not including airfare!! Something was wrong and I began looking at these contracts. These folks had done a number on us. Quiet Deed for {$10.00} .... WHAT IN THE WORLD HAS THESE PEOPLE DONE was my thoughts! I stopped making payments and starting seeking legal counsel. I wrote a detailed complaint in XX/XX/XXXX. XXXX XXXX XXXX is reporting differently on each of the credit bureaus!! Transunion is reporting that is a Travel Card / Entertainment {$3200.00} while XXXX is reporting as Miscellaneous {$33000.00} and XXXX is reporting as Mortgage Company. They should be straight forward with consumers and stop setting traps. Now they do everything they can do to try ruin the consumer when they have been discovered! 

Here 's the problem, I feel that XXXX XXXX XXXX is misleading consumers as well as these credit bureaus!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Maryland XXXX XX/XX/year> KIKOFF INC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Kikoff, I am writing to formally request that you refrain from selling and furnishing my non-public personal information to any third-party organizations, in accordance with relevant consumer laws, including 17 CFR 248.7 and CFR Part 1022 - Fair Credit Reporting ( Regulation V ). As a consumer, I am exercising my rights to privacy and data protection by opting out of the sale and sharing of my personal information. This includes but is not limited to my name, address, email address, phone number, and any other non-public personal information collected by XXXX. 
Under 17 CFR 248.7 and CFR Part 1022, I am entitled to opt out of the sharing of my personal information with third-party organizations. Therefore, I request that XXXX cease all activities related to selling, sharing, or furnishing my personal information to any third parties for any purposes not permitted by law. 
I expect Kikoff to comply with this request promptly and to confirm in writing that my opt-out request has been processed and that my personal information will no longer be sold or shared with third parties. 
Thank you for your attention to this matter. Please acknowledge receipt of this letter and confirm that my request has been actioned accordingly. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: SUNCOAST CREDIT UNION (GA)

I WAS A VICTUM OF IDENITY THEFT SOME ONE OPEN ACCONTS IN MY NAME SUNCOAST CREDIT UNION {$1000.00} I SEND A FTC REPORT IN TO XXXX XXXX AND XXXX ABOUT THISS MATTER TWICW THEY HAVE NOT GOTTEN BACK WITH ME NOR REMOVE FROM MY CRDIT FILE. CHILD SUPPORT {$11000.00} CHILS SUPPORT {$35000.00}
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION (FL)

LIGHTSTREAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I did report to all three Credit bureau and show each one the documentation about identity theft now I have so many different things on my credit report that I didnt put on there and in accurate information that I did not do and I have no knowledge of