davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

This complaint is for Navy Federal Credit Union ( NFCU ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts Navy Federal Credit Union continues to report knowing that information is inaccurate and not reportable by Law. NFCU is infringing on my right to credit. NFCU is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to NFCU and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. NFCU has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the XXXX XXXX XXXX is needed to be filed.
Consumer complaint received 2022-03-13
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: Navient Solutions, LLC. (TN)

I cosigned a loan for my XXXX XXXX XXXX , back in XXXX to attend the XXXX XXXX XXXX XXXX for {$7000.00}. She has since XXXX  and has moved on to acquiring XXXX XXXX XXXX and now she is in the last year of her XXXX. 
She was XXXX XXXX XXXX at the time of the cosign and is now going to be XXXX  years of age in XXXX. 
I have asked over and over again for the amount of the loan be taken off of my credit report. 
She has made all payments with XXXX XXXX scoring. I have tried everything to get her loan amount off of my credit report. She has even called to have me taken off of that loan as a cosigner. Nothing has been done and we have exhausted all resources.
Consumer complaint received 2018-10-30
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. (AZ)

Im a victim of identity theft. Someone stole my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card : XXXX, and my XXXX XXXX credit card : XXXX from my mailbox, the United States Postal Service mail. I never received my drivers license, social security card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card or my XXXX XXXX  credit card in the mail. Someone stole all of my mail. There are fraudulent and unauthorized charges on both credit card accounts. My entire credit limit of {$2500.00} and {$2900.00} was used in a fraudulent and unauthorized manner.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/18, I opened a Huntington 5 Interest checking account with Huntington Bank via the following link : https : //www.huntington.com/aXXXX. 

The bank advertised a {$300.00} bonus on this site by meeting these conditions : " Start by opening a new Huntington 5 Checking checking account by XX/XX/2018, then make deposits of at least {$2000.00} into your checking account within 60 days of account opening. Your bonus will be deposited into your new checking account within 14 days of meeting the above requirements. '' During account opening, I was asked for a promo code, but the website did not list one or state that such a code was needed for this bonus ( see attached screenshot of webpage ). Thus I did not enter a promo code. 

I was concerned that this bonus may not be attached to my account, so I used the online chat feature on XX/XX/18 to speak to a representative. Representative XXXX told me, " Just by opening the correct account through that promo page should automatically make the account eligible for the bonus. '' ( See attached for complete conversation. ) I then deposited {$2000.00} into the account on XX/XX/18. 

On XX/XX/18, I still had not received the stated bonus, so I again chatted with a representative, XXXX. She told me that a promotion code was required, contrary to what XXXX told me previously. She indicated the following, " We did not know that a flyer was needed until the end of XXXX. It was not something we were told. The site was created just for the flyer and was not made to go viral for the promotion. I will submit a complaint with the chat that has it being stated that as long as it was opened the code would be applied. '' Thus, even the bank representatives did not know that a promo code was needed for this offer, so how was I to know? 

XXXX submitted the complaint for me as referenced above. 

On XX/XX/18, I received a phone call from XXXX, who informed me that the bank reviewed my complaint but refused to honor the promotion because I did not enter a code. I reiterated the fact that no code was stated as required on their own offer page, but she again refused to honor the terms of this bonus.
Consumer complaint received 2022-07-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-07-11
Product: Credit reporting, credit repair services, 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. (NJ)

I was looking for a vehicle before i went to the dealership i went there with a XXXX XXXX XXXX preapproval loan. they told me that they use XXXX XXXXXXXX as a bank lender. when i got there they decided to not even use my XXXX XXXX XXXX approval and ran my credit with other companies without my consent. because of the fact they didn't have XXXX XXXX XXXX as a bank that they work with. instead of buying honest just to make a car sale
Consumer complaint received 2018-10-30
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. (AZ)

I am concerned about the validity and accuracy of the recent investigation done by the XXXX and Experian..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-07-11
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX  XXXX
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

I do not remember the exact date but because I am in Bankruptcy they did not want to communicate with me and I emailed the company no luck I need my account to be corrected, my payments are not being applied properly, as of the last statement I received, I have over {$2000.00} holding escrow in my account and I am still being charged for monthly escrow and my payments are past due over {$5000.00}. My yearly escrow is {$740.00}, there is now way i should have that much funds sitting in escrow and my payments are that far past due, and their statements also not clear of how they break down the monthly payments as far ( regular payment and escrow amount that is due every month. I need help to have my account reviewed and corrected.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (WA)

In XX/XX/XXXX, a friend of mine ( a fellow member of the XXXX XXXX XXXX ) told me about the amazing offers that Barclay Bank had for XXXX XXXX XXXX members. He told me if I applied for a LUXURYGold Card, I would receive 0 % APR, pay no annual fees, get airline credit, plus many more perks. I was thrilled with the idea of having a card with no APR and no annual fees, that way I could pay off years of credit card debt without incurring interest on that debt. I called Barclay to ask them about the card, and they told me they were proud to serve members of the military and that they did in fact offer 0 % APR credit cards with NO annual fees to XXXX XXXX service members for the entire duration of time the are on XXXX XXXX. The only condition was to supply the bank with a copy of my leave and earnings statement ( LES ) to prove I was XXXX XXXX. I applied for the card, and got accepted. The {$990.00} annual fee for the card was applied, but as soon as I sent them my LES, the refunded the amount. Fast forward to XX/XX/XXXX, while XXXX to XXXX XXXX, my wife begins receiving letters from LUXURY Card stating that because I applied for the card after I entered onto XXXX XXXX, the conditions of the service member 's civil relief ( SCRA ) act did not apply to me ; therefore, they were going to begin applying the {$990.00} annual fee, but still offer me 0 %. I never applied for the SCRA with this company, nor did I even know of the existence of the SCRA when I did apply for the LUXURY Card. All I was told by LUXURY Card when I applied was that they offered a credit card with 0 % APR and no annual fees to XXXX XXXX members of the XXXX for the entire time the serve on XXXX XXXX. I know many service members who have also applied for this card because of the unbeatable perks they offered to XXXX XXXX service members. Now Barclay Bank and LUXURY Card are apparently able to change the terms and conditions of their agreements without repercussions, and XXXX XXXX personnel have to pay the price. I feel like Barclay Bank and LUXURY Card have unfairly baited hundreds, if not thousands, of service members into applying for an unbelievable offer, only to turn around and start charging them their exorbitant annual fee. This practice is appalling. I plead for you to open an investigation into the matter for all XXXX XXXX service members who were swindled by Barclay Bank and LUXURY Card. Thank you.
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX, TRANSUNION, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Consumer complaint received 2018-10-30
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. (FL)

on XX/XX/2018 I cent a certified mail electronic receipt conformation to Experian which was received and signed for on XX/XX/2018 XXXX. 
requesting that certain items on my credit report be verified by providing me with PHYSICAL VERIFICATION OR AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE on 6 accounts reporting on my credit report or be removed. under the FCRA UNVEREFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF YOU MUST REMOVE THE ITEMS. 3 were removed and I got emails today XX/XX/2018 saying that my disputes were ready and 3 remained saying updated. I didn't submit a dispute I asked that the items be verified and requested physical proof an original signed contract or for them to be removed. I never received the physical proof. those items are still reporting and are not validated. my request were not granted.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (TX)

On XX/XX/XXXX i have gotten scammed on XXXX, i was in the process of buying a car and the seller deleted her whole account, on the XXXX ive decided to escalate the dispute since Credit karma declined the XXXX time on the XXXX, with evidence included, and they still gave me they still declined to chargeback or file a dispute.
Consumer complaint received 2017-06-29
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. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) placed {$4200.00} in collections without notifying me about the debt, attempting to take the debt from my bank account, etc. I learned about it because my XXXX  credit card closed due to a " serious delinquency ''. My Transunion credit report shows that my XXXX account is in collections. My credit score has fallen more than 100 points because of this error.
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (FL)

I submitted a request to modify my loanXX/XX/XXXX to M & T Bank via XXXX XXXX XXXX because I was having financial difficulty. The modification was not completed until XX/XX/XXXX and the foreclosure process was initiated in XX/XX/XXXX. The loan company did not allow me to stop the modification process and enter to a re-payment plan. They stated that I was still in good standing and the loan modification was ready for completion in XX/XX/XXXX. However, the company continued the loan modification process requesting the same paperwork numerous times and allowing critical paperwork to expire. Missing documentation letters they claimed to have sent to me were not sent but manufactured after the fact. I have requested that a list of dates that requested documents were received and scanned to compare them to these documents. I believe it would show that the documents they claimed were not received were in fact in their possession. After assuring me I would not go into foreclosure, the foreclosure process had already begun. The company refused to send this info as it would show that the missing documentation letters were addressed in a timely manner and the delay was on the part of XXXX XXXX XXXX. When the trial modification was complete, the loan was higher than the previous loan I was trying to modify. I was ordered to pay {$470.00} instead of {$440.00} per month, a net increase of XXXX and I also have to pay {$4700.00} in foreclosure fees, which could have been avoided if the organization would have been able to process information for the loan modification.
Consumer complaint received 2022-07-11
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. (VA)

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 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 an account without my written instructions.
Consumer complaint received 2017-06-29
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA (OH)

In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

around XX/XX/XXXX jpmorgan chase shut down all my credit cards without warning and explanation. i never broke any of their terms and conditions. this caused my XXXX XXXX to drop due to the fact that most of my credit line was by them now its very difficult to get approved by other banks. i reached out to them and they left me a message saying something about " unexpected activety so we made a bank decision to end our relationship ''. i tried calling to get a clear explanation but they are not calling me back.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

The only reason that Im reaching out the CFPB is because I was taken off a repayment plan unilaterally without my knowledge and then illegally penalized by having to jump though more hoops and being reported negatively on my credit report. This applies to myself and the co-signer, which in this instance is my ill mother whom Navient knows. 

As a result of a lot of hard work and negotiation with Navient. I was approved to have a certain payment and contractual terms for the duration of my loans. Navient removed me from these payments based on subjective measures that were not at any time part of the agreed terms and refused to place me back on the the automatic repayment plan that I was on. Its not if I made my payments on time since my payments were in auto debit, but why Navient took me off of this contract and refuses to fix it, fairly. 

I hope this makes sense and you can see whats happening. If not, I can most definitely speak to you in person and articulate this differently. 

The office of the advocate has mistreated me and not responded to me on getting any traction to fix this. 

XXXX