davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (KS)

> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details.
Consumer complaint received 2019-12-05
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. (NY)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pomelo International, Inc (NV)

Pomelo Card XXXX XXXX XXXX XXXX XXXX, CA, XXXX I did not authorize them to hit my credit From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to see where I authorized you to do two hard hits on my credit?????

I want these removed off my credit score. 
I will file a complaint with the FCC. 
I was just inquiring about sending money to the XXXX then I get these two hits on my credit.

Remove them ASAP.

Even their own website says they do a soft hit, but this is not true
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (NC)

I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} XXXX  : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} Experian : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2019-12-05
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. (GA)

Experian failed to provide a proper investigation regarding the accuracy of late payments, and continues to report inaccurate information on my credit report. Ive filed 3 disputes for Experian to update inaccurate late payments on my XXXX report. Ive specifically requested Experian provide me with the accounting records for me to examine the accuracy of the late payments. The FCRA require Experian provide 100 % accurate information. Experian is in direct violation of the FCRA.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (ME)

My Citibank credit card company notified me that a charge was made in Florida at XXXX 's for {$920.00} and asked if I had made the purchase. I said no ( I ordered nothing at XXXX 's or anywhere else in Florida ). Citibank then credited my account for the fraudulent amount. In XXXX, however, they charged my account again for double the {$920.00} charge. They said that I had been credited twice, once by them and once by XXXX. Since they cancelled the previous account and sent me a new card, I saw no evidence of this double debit. However, even if I had been credited twice, since I never made the fraudulent charge, I should not have to pay twice. One credit I could understand paying for but, since I never made the charge, not both.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/scrub>XXXX XXXX, 2024 someone transferred themselves {$1000.00} via our bank XXXX. They also sent themselves {$510.00} via XXXX XXXX. They attempted to take an additional XXXX XXXX XXXX transactions but the bank stopped those. We immediately called USAA to dispute this as fraud. They keep saying the authorized / linked device made this transaction therefore nothing can be done. We did not make these transfer someone XXXX our account.
Consumer complaint received 2022-09-15
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. (OR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

XX/XX/2021 charged overdraft fee when account was not negative XX/XX/2021 charged anothe over draft fee when account was not in the negative This has happened multiple times with this bank and they will not even investigate
Consumer complaint received 2019-12-05
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. (OK)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-02-04
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. (MD)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

The institution changed the access to features to me as the account change request to become a joint account access began to limit features on my interface as the added account holder without notification or explanation of the change and when it was to go into affect. The account has had since then made private the disputes from each making no note of the funds incoming were mine as this newly created role of secondary was used as a form of identifying a hierarchy in status on this now Jointly held account. The transactional disputes limited their explanation and created a series of transaction that were identified as holds on the account but were withdrawn transactions for were purchased and occurred and we longer could dispute. Unsure of how this activity was allowed by regulations, but consistent with causing problems with the merchant never returning the funds and me never receiving the product purchased.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (MO)

Opened XXXX Amount of {$770.00} Collections : Account Number # XXXX I want all of my unauthorized derogatory remarks, removed. This account falls under the statute of limitations or is misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.

2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MO)

As I explained to the lady on the phone this debt is not mine nor is it owed. I also call XXXX and they stated they should have been able to give me the previous debt collectors information which they did not provide to me to try and resolve the issue. They also reported it as derogatory account which has not happened to me before which just ruined my credit over an account that I do not owe! I have explained this in 2015 that this is not my debt. This is absolutely ridiculous and needs to be removed immediately. And I need resources now to take further action against this fraudulent claim that I should not have to be contesting five years later. This is absolutely ridiculous. As I've already stated in the past this debt was already paid as far as I'm aware but regardless of that fact, it is not my debt in the first place and should not reflect me or my credit that I have built up since graduating whatsoever. I am absolutely livid over the disgusting oversight of details that have been added and updated to this account over five years.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

Department of Education has many old invalid XXXX XXXX applications, the applications I could not fully fill out due to the Department of Educations online errors and only being able to upload a total of XXXX XXXX  to the XXXX XXXX site. So, I applied for XXXX XXXX via certified mail, which was returned and signed by the Department of Education in XX/XX/2002. This Borrowers application I have noted in several areas, from letters to the White House to the CFPB. I even asked when this application would be processed or if they had received it by phone, and they said they have it but arent sure when it will be processed. I have all of my phone audio with this company on voice recorder so I can back up that they have all of this information, BUT there isnt a pending application review on my FSA site ( see attached ). This leads me to believe that the Department of Education will try again to XXXX me out of what I am entitled to, complete forgiveness of my school loans from a for-profit school. CFPB complaint XXXX shows all the attachments I sent by mail for Borrowers Application. ( see attached for reference )
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XXXX, XXXX, I pulled my Trans Union credit report within accurate fraudulent reporting from XXXX XXXX  with claiming I have a foreclosure XXXX and I do not my father did a reverse mortgage which that was deceiving as well and me and my sister were the power of attorney, why my father passed away, dealing with any assets. So this also means they went through my father 's documents with no permission as well so between Transunion and XXXXXXXX XXXX that's a lot of fraudulent activity please investigate thank you.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
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: Verisk Analytics Inc (CA)

- On XX/XX/21 I sent a letter to LCI asking to verify the validity of the bankruptcy they were reporting on my consumer report. - LCI failed to respond. 
- On XX/XX/21 at XXXX I left a message requesting a call back - no response. 
- On XX/XX/21 I sent a second letter asking for a method of verification of the alleged bankruptcy they are reporting. - LCI failed to respond. 
- On XX/XX/21 I sent a 3rd method of verification request. 
- On XX/XX/21 I received an email repsonse stating bankruptcy is public record, but no method of verification was included. 
- On XX/XX/21 I replied to the email again asking for a Method Of Verification. 
- On XX/XX/21 LCI replied and stated they do not subject to FCRA laws and they are not required to provide me with any Method of Verification at all.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I sent many letters to Navient asking them to explain the horrendous amount of student debt and interest rate since 2017. I am not sure if I actually owe Navient any student loan debt. I am not sure if the student loans are mine or if the student loans are private loans or federal loans. I asked several time for a copy of the original student loan contract/ original indebtedness with my signature on it. I am confused and really don't understand what's going on. I have recently been going through financial hardship and I am struggling just to paid my rent, XXXX XXXX XXXX XXXX, XXXX cell phone, buy food weekly and pay for XXXX XXXX XXXX cost. I am going through a divorce and possible alimony and child support and struggling with debt and Navient is trying to drive me into a high repayment plans and they can not simple provide me with detail information so I can verified the debt and find out if I actually own anyone money, or what company I owe money to. I am stress and loosing hair. When I checked/ reviewed my credit report on XXXX XXXX there are 12 student loan accounts. 4 out of 12 accounts was from the department of education and according to my credit report memo they was collection accounts and was permanently assigned to government, assigned to attorney, collection agency or credit grantors internal collection department. I am confused. According to XXXX XXXX credit report comments 8 out of 12 student loans was transferred to another lender or claim purchased/ sold. I am confused and stressed out. Navient can not give me any clear answers. I am just trying to get my life in-order and hopefully after my divorce move to a better environment so I can build a relationship with my son. But, I can not do anything with these derogatory marks on my credit report.
Consumer complaint received 2022-09-15
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management (MI)

Around XX/XX/XXXX of this year, I sent an affidavit of truth and an invoice for {$7000.00} to fox collection center. It has been over 30 days since they have received those documents and my affidavit has not been rebutted, meaning that it stands as true. However, I have not received payment for the invoice, as they are now liable to remedy me.