davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

I sent navy federal a remittance coupon with my beneficiary signature with the amount due on both of my credit cards ; my green go rewards visa and blue more rewards XXXX XXXX. they wrote me back saying the debt was valid and closed my account. also with the remittance coupon i sent a cover letter notarized stating their fraud when double dipping at n cest que vie trust. the definition of a bond and coupon and etc... they wrote me back saying the debt was valid. the obligations of the united states 18 usc 8 ; obligations of the united states includes, all bonds, certificate of indebtedness, national bank currency , federal reserve notes, FRN bank notes, coupons, united states notes, treasury notes, gold certifications, silver certificates, fractional notes, certificate of deposits, bills, checks, drafts for money, drawn by or upon authorized officers of the unites states, stamps and other representative of value or whatever denomination issued under the act of congress and cancelled united states. In lament terms I am a creditor cant owe debt only the united states. credit card defined under the truth in lending act 15 usc 1601. A credit card is any card card, plate, coupon book, or other credit devices existing for the purposes of obtaining money, property, labor services on credit. Navy federal is the original debt collector and credit bureaus are 3rd party collectors. congress said under 15 usc 1692 there is an abundant evidence of the use of abusive deceptive, and unfair debt collection practices by many debt collectors, abusive debt collection practices contribute to the number of personal bankruptcies, martial instability, loss of jobs, and invasion of privacy. 
IN ADDITION I DEPOSITED A CHECK INTO MY SAVINGS. NAVY FEDERAL STOLE MY MONEY FROM MY SAVINGS TO PAY THE CREDIT CARD AFTER THE LETTER WAS SENT. THIS HAPPENED ON XX/XX/2022. I called to have them reverse it they refused. the supervisor was nasty and I informed her that it was unlawful but she was adamant about it. She said it was legal. i explained to her that lawful and legal was not the same. she then proceed to send me the terms and agreement which does not apply here. I am not an employee. No policy overrides law. This grounds for a lawsuit. i also sent them another letter that was delivered express mail and received on XX/XX/XXXX stating I am the original creditor and they are the debtor. they should credit my account for 3 business days from the postmark. they have not done so. i sent them a notice of liability and the terms of conditions if they refused what will be the monetary consequences.
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (PA)

I have been disputing this account on my credit because it is clearly inaccurate. RECEIVABLES MANAGEMENT SYSTEMS has been assessing interest, penalties, and fees on my credit, which is prohibited under the FDCPA. They also have never sent me any information in the mail, despite my requests, which is a violation of the FCRA. I am tired of having to fight an account that is so flagrantly illegal! Please assist me any way you can!
Consumer complaint received 2022-09-23
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. (UT)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (TX)

wrong info : Fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

i have tried to work with equifax concerning my credit report, they are still showing my report closed for my automobile when it should be open.I purchased the car XX/XX/XXXX and still have it in my possession. this is damaging my score and stressing me out because i cant get approved for anything.i have wrote XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX concerning this item and still no reply. need help in solving this issue because they have violated the 30 laws by not responding within the time frame.
Consumer complaint received 2018-10-18
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: DISCOVER BANK (CA)

I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.
Consumer complaint received 2022-09-23
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. (FL)

On XX/XX/XXXX I sent Equifax a fax with an FTC report and copies of my driver 's license and my social for fraudulent inquiries that I did not make. I called them XXXX week later and they told me the FTC report must say Identity Theft Report. I sent a new FTC report again on XX/XX/XXXX and today XX/XX/XXXX I'm calling and they still don't want to do their jobs. I'm including the letters that I send them in the attachment documents.
Consumer complaint received 2022-09-23
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. (MD)

In accordance with the fair credit Reporting act the XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank I received notice that whatever I had on my accounts on XX/XX/XXXX would end, and they would send me a check. I still have over {$150000.00} in the accounts. I went to the branch in Michigan today, and they stated that I had to get a hold release, but did not have a number. 
Also, one account has {$65000.00} less today than yesterday, and Huntington can not explain. 
Accounts : XXXX. I am the 66.7 % owner on that account. Current balance {$16000.00} XXXX. I am 100 % owner on account Current balance {$4500.00} XXXX. I am 66.7 % owner on account. Current balance {$130000.00} They stated that they would mail me a check, then they said I had to go to the branch, and when I went to the branch they said they could not do it, and I had to call a XXXX number. When I called the number, they said I had to go to the branch. I have been at that branch 2-4 times in the last couple of weeks.
Consumer complaint received 2019-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (WI)

I am the mother of a student paying off one of the student loans. I have an auto pay set up to pay monthly. Apparently, the minimum was raised without notifying me. Received a notice today that I was XXXX cents short, so they were going to charge me a {$28.00} late fee. 
Its bad enough that XXXX over charged for education and then dissolved. My son hasnt been able to get help with any of his school loans.
Consumer complaint received 2019-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WLCC (AL)

Applied for a loan then was told they had to talk to Social Security to verify information and then they wanted all personal info. plus Income proof even after saying loan was approved and verified they said that because of the way the direct deposit fell they needed 3 months banks statements this sounds very shady plus it supposedly comes from an Indian reservation yet the calls # XXXX XXXX XXXX are coming from XXXX wyoming and their mail form says they do not have to follow the fair lending act or abide by fed credit rules
Consumer complaint received 2021-05-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-24
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-23
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. (GA)

According to the FAIR CREDIT REPORTING ACT, all 3 credit bureaus must investigate unverified information on my credit report in accord with, TITLE VI OF THE CONSUMER CREDIT PROTECTION ACT and also in accord with, THE PRIVACY ACT OF 1974 as amended 5 U.S.C 552A View attachments below. 
Accounts that are unverified - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are unverified accounts .
Consumer complaint received 2021-05-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Happy Money, Inc. (PA)

I have a current personal loan with happy money formerly Payoff. 
In XX/XX/2021 I was admit to the hospital with XXXX XXXX. This caused my payment to be late and now there is a late payment on my credit report.. 
I quickly made a double payment and asked them if then can please remove this late payment as I was sick with XXXX. 
Spoke to a guy named XXXX who quickly said no that he would not remove it. I even told him I can send him documentation on my hospital stay and ask if there could be an expectation. The answer was still no. 


Thank you
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MD)

I was contacted by phone two or three times by Capital Accounts. They started each phone call off with an oddly long silence, followed by a very short and rude phone call. In my first call, they refused to identify who they were or why they were calling until I gave them personal information, which is not okay or legal to ask for. Next, they got extremely rude and hung up on me after muttering under their breath " Oh my XXXX, unbelievable '' after I informed the caller that I had no idea of any supposed medical bill debt. My most recent call they asked for my name and I asked who was calling first and what they were calling about, but they just hung up on me abruptly without answering. They also sent a letter that I received on XX/XX/2021 stating that i owe {$490.00}. This is not my debt and i don't owe any money for a dental bill.. This business runs like a scam, they are extremely rude for no reason. They have no manners, and I don't even know if they are legally operating. This is harassment. They should be investigated.
Consumer complaint received 2022-09-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
None of these are my accounts
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (FL)

After reaching an agreement with CREDIT ACCEPTANCE CO, and paying the amount of {$1900.00} as required to close this case, CREDIT ACCEPTANCE continues to misreport the credit by lowering my credit score and allegedly increasing the interest balance on the account, this has now been resolved., and I demand that it be corrected, I attach documentation as proof of payment, arrangement and notice of the credit that was charged more to the account and lowered my credit score
Consumer complaint received 2022-09-23
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. (AL)

New inquires just recently popped up on my account that i am unaware of, they are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a new Citi personal bank account around XX/XX/2022. I received a promotion stating if I deposited {$200000.00}. I would receive {$1500.00} interest after 60 days. 

I deposited {$200000.00} right after opening the account. 

On XX/XX/XXXX, I received an email saying that the terms of the client manual were violated and my account would be closed within 60 days and funds would be disbursed to the address on file. 

I still have not received my money back. I have called multiple times and visited multiple branches and no one can or will explain what is going on. I am told that a letter is being sent that will explain everything but I have never received a letter. The address on file is where I received my ATM card so I know the address is correct. it has bee 6 months and citi bank has not returned my money or allowed me to access it. Every time I call and talk to someone about this I am told that they are working on it and to just wait another week. I call back a week later and am told the same thing.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I do not recognize the inquiries on my credit report. An I would like for them to be Deleted asap. Cause its hinging my credit and my life
Consumer complaint received 2021-05-05
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: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 31st day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Consumer complaint received 2022-09-23
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. (IL)

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXXXXXX XXXX XXXX
Consumer complaint received 2019-03-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

The beginning loan origination date was in XX/XX/XXXXwhen I first decided, as a XXXX year old, to go to college. 
This college career, as a professional student, finally ended with my completion of a XXXX in XXXX in XX/XX/XXXX. Yes it took me 20 years. 

In addition, prior to that I was 3 credit hours away from completing a XXXX XXXX at the University at XXXX in XX/XX/XXXX. I was in a messy divorce and having medical issues and I did not complete the program. Four years later, I went back to get back into class, and XXXX stated that the program I was in XXXX, no longer existed. Essentially I was swept under the carpet and told that it might be better for me to check with other schools for a new program. They reassured me that my XXXX grad credit hours would certainly transfer over into another XXXX   degree. Thats how I ended up with the XXXX XXXX XXXX in XX/XX/XXXX from XXXX College in XXXX NY. XXXX ended up telling me they would transfer over many of my XXXX credit hours. This did not happen-either. In the end, they only accepted 1 class and transferred it over. 

Nonetheless, I have been very fortunate to land a XXXX job and I love it! 

Unfortunately, my student loan debt is crushing. 

I have called XXXX and asked for a itemized bill but they say my record only dates back to XX/XX/XXXX. What???? This loan has been passed around by the federal government since its origination in XX/XX/XXXX and they have no record of it before XX/XX/XXXX? This loan has been flipped from XXXX, to XXXX, to XXXX XXXX, to XXXX, to XXXX ... ..and when I call to see what can be done when I am unable to make a payment, they change the status of loan, so that my 10 year repayment and loan forgiveness for XXXX STARTS ALL OVER AGAIN. 
This loan is 32 years old. I am XXXX. 

The interest that accumulates on this loan is XXXX per month. I have a loan of almost 400,000.00 and XXXX is in interest alone. 

My question is how can I get the federal government to provide me with an itemized bill of this supposed money they say I owe them. I dont think this is a unreasonable request. 
Also, why does the federal government loan young people, who are uneducated, a lot of money when more than likely they have no clue about financial issues. 

I didnt and only recently ... have begun to understand concepts involving interest rates and principles ....
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (GA)

XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.