davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. 
Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. 
I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. 
They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal?
Consumer complaint received 2017-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I opened a XXXX 's card with a {$1000.00} limit on XX/XX/XXXX and used the entire line of credit on XX/XX/XXXX to purchase a refrigerator and washer/dryer. The total price was {$2800.00} and the additional {$1800.00} was paid using another credit card. Delivery was scheduled for XX/XX/XXXX and on that day it was determined that the items were undeliverable and couldn't fit through the doors. Delivery person said they'd return the items that day so we could pick something else that can fit through the doors. I received a call from the store that day from a XXXX 's associate who said the items were brought back to XXXX and instructed me to choose alternative appliances to be credited as an exchange. I came to the store that day and attempted to do so and was told that that wasn't possible because the items had not yet been received at the store, despite what I'd been told by the person who called me. I attempted calling that specific XXXX directly over 9 times on XX/XX/1925, XXXX, XXXX and XX/XX/XXXX with no answer. I called XXXX 's corporate number and was told a supervisor would call me. When no one did, I visited the store and spoke to a supervisor who said that the items still hadn't been returned and they would call me back to follow up. When that didn't happen I returned to the store again and spoke with the same manager who finally located my items and said someone in the store had made a clerical error which was why the items weren't showing in the system. He then issued me return credit for the full refund. I then learned through my Synchrony bill that my XXXX 's card was not issued the full refund with no explanation and had accrued a late fee. I disputed the charges and received word on XX/XX/XXXX from Synchrony that " we have been advised from the store that the credit was processed as a check. '' That statement is both false and ridiculous as a check was never an option discussed or used for payment. I did not receive a check and did not make any more purchases from XXXX. I want to settle this matter and restore my credit, as XXXX 's is fully to blame for this.
Consumer complaint received 2017-07-24
Product: Vehicle loan or lease — Lease
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: Santander Consumer USA Holdings Inc. (FL)

All attempts to settle the account and make payment are attached below. The company Chrysler Capital failed to respond to ALL document presentments as well as has taken the personal property and has kept the financial instrument.
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (TX)

I had a XXXX and the XXXX XXXX representative sold me an online advertising renewal on XXXX XXXX, 2013. She also had me sign an annual renewal on our print advertising that was NOT due to renew for 6 months, but she found it convenient to go ahead and have me sign both at the same time. Please see Attachment pages XXXX, in which I signed in XXXX for the contract which should have been signed in XXXX ( for print ads to start in XXXX of same year ). 

The XXXX was sold in XXXX 2013, and the new owners decided to not renew the print advertising contract. I have attached an excerpt of the sales contract, " Schedules '', which has the XXXX shown as a contract that will transfer to the new owners. I have attached an email from me to the XXXX agent XXXX XXXX, in which I am trying to verify when the contract would renew and inform her that the business has been sold. She did not respond. Apparently, because I had signed in the distant past, XXXX to print the advertising in their new book. 

I had many phone calls with the XXXX XXXX XXXX rep assigned to the case, but whenever I called in response to another collection notice, the answering agent seemed to have no access to the last phone call discussion and we had to start all over again. Unfortunately, since most of this occurred over phone I have no written proof. 

XXXX the pre-mature contract renewal came to light, and after multiple discussions, XXXX admitted that the billing problem all happened because of the early signing, which was not their usual way of operating and probably done solely out of convenience to the sales person. They admitted that they should have verified the contract before printing the XXXX XXXX. XXXX agreed this was their wrong and said they would not hold me or the new business owners responsible for that contract. 

NOW, about a year later, I get a letter from a collection agency ( which turns out to be XXXX but does not use their name ) trying to collect {$1300.00}. I again called to fill them in that this is not my business anymore, and that XXXX has agreed that they do not have a valid contract, and that they probably just failed to do good record keeping. I was transferred to XXXX XXXX, who was rather aggressive, and that the account was in " pre-legal '' and that if I did n't pay I could just go to court to settle it. I was trying to explain to her the circumstances of the sale of the business, and she said the debt was in my name and it was mine and I was gong to have to pay it. 

When I asked for information regarding who would be the appropriate governing body to which I would file a complaint about inappropriate collection efforts, she said there was none. I rephrased that I would like the contact information for someone to which I could file a complaint, and she insisted there was no regulation of commercial collection accounts, but I was welcome to XXXX it. I feel this can not be true.
Consumer complaint received 2022-08-10
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. (MS)

On XXXX, I sent dispute letters to Transunion, XXXX, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for Transunion, XXXX XXXX XXXX XXXX XXXX for XXXX, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (LA)

On my portfolio recovery on all three credit reports are reporting different last activity dates I disputed all reports and experian XXXX  and Equifax told me it was verified how can it be verified if the same account has different reports they did not verify reports XXXX  Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX Equifax Last activity date XX/XX/2019 2019
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northland Group Inc (PA)

Received several calls from Northland Group at XXXX ( I had to look them up on line ) as well as calls with no caller id asking when I would be at home to serve me papers. They will not disclose who they are or what debt I owe. I do not owe any debts and they say I do.
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have contacted the consumer reporting agencies multiple times regarding the inaccurate information being furnished on my consumer report. CFPB Case Number : XXXX XXXX acct # XXXX is reporting as a derogatory remark. The dates in which the account states were last active and last reported is completely inaccurate. This account has been disputed based on the FCRA violation 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX has sent me some documents which does not bear my signature on it claiming that this account belongs to someone else and that I am a co signer. This is another violation of Title 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

cWhen I was back in college, my main focus was college. When I finished my first year an came home, I started getting calls about a card I was not aware of. I was only XXXX and never knew anything about the card, but they still tried to make it seem like it was my card saying it will be sent to collections and doing scare tactics. I started paying on the card because they would not leave me alone. That is when I told them it was n't me and that I would not pay for something I did not do. The account was sent to collections and it has scarred me. They call me and ask me when would I like to make a payment but I am still not going to pay for something especially when I did not apply and physically receive the card in my possession. I would love to apply for a card but I can not do so until this is off from my name.
Consumer complaint received 2015-03-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
Consumer complaint received 2021-04-22
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. (CA)

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2022-09-06
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. (NY)

I file a dispute in regards to the in correct item on my credit report.Its been well over 30days and i havent recieve any investigation results.
Consumer complaint received 2017-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

In XXXX of 2015 my father, XXXX XXXX XXXX, fell ill. I went to his bank to take out some money for his medical bills, my name was also on the account, only to discover the money was gone. {$250000.00}! Spoke to a bank officer and was told they had flagged the account as possible elderly abuse. I informed the police that there had been fraud committed. They investigated and the caretaker was convicted of this crime. The bank 's fraud department said there was nothing they would do about it. My father had developed XXXX and was taken advantage of. I know the banks have insurance to cover these things. I have attached the bank statements to verify this, also the health proxy to my sister XXXX XXXX to prove he was not in his right mind, also a copy of the front page of newspaper showing what had occured. I can only hope that you can help.
Consumer complaint received 2022-09-07
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : TOYOTA MTR XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (CA)

Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Team CFPB, I have four ( 4 ) accounts with Capital One and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Consumer complaint received 2017-07-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have submitted multiple complaints and select portfolio refuses to address them- they have not provided legal standing to foreclose they have produced false documentation of which I have provided proof that they have forged documents - on XX/XX/XXXX compl # XXXX I provided information that they falsified a deed as well as a California Acknowledgment they still have refused to answers this complaint. Why wo n't they answer this complaint. I also submitted on XX/XX/XXXX and on XX/XX/XXXX # s XXXX and XXXX both complaints were also not addressed they simply provided the same documentation on both complaints however that documentation does NOT answer any of my concerns or complaints they are threatening foreclosure and do not have legal standing- they need to answer why they have falsified documents and produced a fake California acknowledgment they need to redact the foreclosure immediately
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (TX)

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX  XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX XXXX TEXAS XXXXXXXX XXXX DATE OF DISCHARGE WAS XX/XX/2017 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ EQUIFAX/ XXXX. 

THE TEXAS XXXXXXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND XXXX I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE XXXX MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXXXXXX OF XXXX XXXX THE XXXX  XXXX TRUSTEE.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NH)

I am the power of attorney for my father he opened a bank account at TD Bank a few days later I dropped off my power of attorney they said it was unacceptable and the entire account is blocked my father 's checks are bouncing and they wo n't return the money until XXXX comes in personally he is XXXX. This is been going on for almost 3 weeks and they say they have n't even assign anybody to resolve it yet
Consumer complaint received 2016-11-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MB FINANCIAL, INC. (PA)

When I try to look at my payment history ( for my mortgage ) I receive a message that this data is not available. This has been going on for several weeks. When I call they offer to print one out and e-mail, but I tell them I want to view online and do not want to call them every time I need a schedule. The say they will investigate and get back to me but never do.
Consumer complaint received 2021-06-07
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. (LA)

XXXX XXXX is reporting incorrect information on my TransUnion and XXXX  report how can the same account show different data last activity on TransUnion is XXXX XXXX times late 30/60/90 1/2/4 XXXX  last activity XXXX XXXX Late 30/60/90 0/2/4 Also charge off dates different XXXX And month reviews are different TransUnion 72 XXXX  73