davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2023 I opened XXXX XXXX XXXX, with a co-borrower with XXXX XXXX  to secure a brand new vehicle. XXXX XXXX XXXX purchase required a near $ XXXX down payment. On or about XX/XX/2023, the co-borrower who resides in XXXX requested the title be sent to them to transfer the title from XXXX XXXX XXXX, despite knowing that the vehicle was being picked up in XXXX and transferred to me and refinanced to me solely. They had also contacted XXXX XXXX on this refinance. On XX/XX/2023, XXXX XXXX XXXX was closed refinanced into XXXX XXXX XXXX, with me as the sole borrower. On XX/XX/2023, XXXX XXXX sent the hard copy title to co-borrower of XXXX XXXX XXXX. I was never made aware that this took place until XX/XX/2023, when I received a letter stating that my request for the title on my loan was honored but the title was never returned to XXXX XXXX. I called and explained I never received the titled and was told that I requested it on the previous loan. When investigating further I was told the previous co-borrower had made the request and it was sent to XXXX and I would need to retrieve it from them. I explained that given that my loan was closed on XX/XX/2023, the request should not have been honored from someone NOT on the loan and it violated the agreement that I have with XXXX XXXX that they have to secure my loan. I was told it was my problem. Since XXXX of 2023 I have gone back and forth with XXXX XXXX and obtained no help except to continue to make payments and have been unable to sell the vehicle which has a defect in the electrical system and is undriveable for months. I've asked to go into arbitration and have gotten no where with XXXX XXXX, I've gone to the GA XXXX XXXX and they explained to the person on the XXXX XXXX line that only a Title Bond can resolve if they can not obtain the original title or obtain a signature from the original co-borrower, however it is not something I can resolve since there is a lien, that the lienholder has to resolve it. I can not stop payment or my credit will be impacted and you can not speak to anyone directly in the collateral department at XXXX XXXX, and the people who say they're in XXXX won't read the notes, just get rude and tell you to figure it out.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

The Navy Federal Credit Union has not been able to issue a XXXX for the various accounts I have in this Credit Union and I need to complete my Federal and State Income Tax Returns for 2018 and other income reporting. 
For several weeks I have called their support information and they keep pointing me to a one line at the end of the monthly statements where they indicate how much I had received in interest for the saving and money market account for 2018. They failed to add on the amounts of interest earned in the CDs I have. 
This one line summary is not a XXXX that I can submit to IRS. 
I have spoke to a Manager in the phone and gone repeatedly to their location in XXXX, Virginia, nothing seems to work. They repeatedly indicate that the only way they can issue a XXXX is by sending it via US Mail. And they do not send it. hey keep send me again and again my monthly statement.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include any report containing information solely as to transactions and experiences ( Payment history and Charge Off status ) between the consumer ( myself ) and the person ( CAPITAL ONE ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( CAPITAL ONE ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX person knows or has reasonable cause to believe that the information is inaccurate. CAPITAL ONE can not collect on a discharge debt. This is now a certificate of indebtedness per the IRS and income that can not be reported on a consumer report. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. The reporting of this account as a debt inaccurate. CAPITAL ONE charged off XXXX. I filed the XXXX on a 1040 tax form. CAPITAL ONE is HEREBY PUT ON NOTICE that they are furnishing incorrect and inaccurate information. In CAPITAL ONE terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are non affiliates of CAPITAL ONE nor are they bureaus. The only true bureau is the CFPB and they do not furnish consumer reports as stated in federal law. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal and non verbal per 5U.S.Code 552a. Per the FCRA as a federally protected consumer I am opting out any and all authorization I the consumer may have given written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, ( ii ) the information is, in fact, inaccurate. CAPITAL ONE has violations totaling 4000 in civil liabilities.
Consumer complaint received 2019-03-07
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: Amsher Collection Services, Inc. (CA)

Amsher Collection put a collection on my credit report I dont know how. I never gave them my social, I dont owe them money or anyone they collect for. I've called and left messages. THey are impossible to get a hold of. 

THey claimed on an old dispute that they reached out to me. They never did. 
My private information has been stolen or misused. THey also are lying, my father who has the same name verified that the social on file is his. 

If you ask Amsher to verify all the numbers on my social not just the last 4 I am almost sure they can't verify it. If they do, it is stolen information. 

This collection keeps unrightfully so being sold back and forth between companies. 

XXXX XXXX to XXXX XXXX XXXX ( who took it off my credit ) but then turned around and sold debt to Amsher. What XXXX XXXX did as unlawful. All of them.
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (MI)

I filed XXXX XXXX Bankruptcy in XX/XX/XXXX. Ally Financial was one of the creditors that was discharged in the bankruptcy. I have reached out to Ally Financial about this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It was discharged on XX/XX/XXXX every since then Ally Financial has been reporting illegal information to XXXX XXXX XXXX monthly stating that my account is in major delinquent as recent as XX/XX/XXXX there are continuously reporting negative updates to credit bureaus when these accounts are supposed to closed due to being discharged. They are still treating the account as if it is open to affect my credit. I have reached out to them as well as the accounts are not showing {$0.00} balance on XXXX account when it was discharge it is suppose to show this. This matter needs to be address with Ally Financial. Also I have reached out to credit bureau about this matter on XXXX and XXXX XXXX, XX/XX/XXXX. They are not following bankruptcy law and they are still affecting me as a consumer that has with through some challenges and is trying to put this behind me.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX, I erroneously sent a payment of {$3700.00} to an XXXX XXXX credit card account that had no payment balance through a bill pay service provided by my credit union ( XXXX ). After realizing what had happened XX/XX/XXXX, I contacted my credit union and XXXX XXXX. My credit union assured me that they would reverse the payment. I called XXXX the same day that I contacted the credit union and they told me that they had no access to that account because it was a XXXX XXXX and they no longer had access to that account so I needed to contact Citi Visa because they were XXXX 's credit card service. I then called Citibank and they told me that they had no access to that account and to contact XXXX. I called XXXX back and they again told me that they had no access to this account and to call Citibank. I called Citibank again and they told me that they had no access to this account and to call XXXX. Then I called my credit union back and told them that neither company can help me, so the credit union told me they would dispute the transaction and that it could take up to 30 days. 
For the next XXXX weeks I would contact my credit union for updates. It took several days for them to respond. Then on XX/XX/XXXX, my credit union informed me that XXXX would not speak further with bill pay until I authorized it, so bill pay was going to setup a conference call with myself and XXXX. XXXX pay called and we began the conference call at which time XXXX said they had no access to this account and gave us Citibank 's phone number. XXXX did not ask me for any authorization information. The call ended with nothing resolved. After ending the conference call, I called XXXX automated voice system, gave my account number, and it told me that on XX/XX/XXXX a payment of {$3700.00} was posted to the account that XXXX costumer service claims they have to access to. I then called XXXX again and recorded the automated system telling me that I had this credit in the account that they claim they have no access. The next day, bill pay called me again to say that they want to setup another conference call with XXXX. During the second conference call, XXXX asked for verification of my identity, and my email address. XXXX then ended the conference call, at which time the bill pay representative told me that they will send me the information needed by XXXX to refund my money. 
Today is XX/XX/XXXX and XXXX has yet to contact me. Please help!
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BMO Bank, N.A. (FL)

Contacted BMO Bank NA to identify when Promo Balance Transfer expires. Representative provided conflicting information regarding expiration date. I subsequently requested Promo Balance Transfer expiration date to be listed on Statement. This would allow me make payment to Promo Balance Transfer before expiration date. As such, BMO Bank NA. CC XXXX is in of Violation- Card Act SEC. 106. RULES REGARDING PERIODIC STATEMENTS. ISSUE : and DECEPTIVE TRADE PRACTCE ) regarding Billing Statement with a billing cycle absent a schedule expiration closure date
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (LA)

I am on the XXXX plan. Aidvantage has my loan terms set to 10 years instead of 20 years. This is doubling my monthly payment. I emailed them through their help center asking for an explanation and how to get my terms set to 20 years. I did receive a response but it did not address the questions. The response just told me the monthly payment and due date.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

Earlier in the month I received a text message at XXXX from Sam 's Club Master Card informing me that a transactions was denied. Once, I was able to speak with my vendor she informed me that all of their clients that pay with a Sam 's Club Master Card were denied and it wasn't just me. I called Sam 's Club Master Card and they informed me that they would no longer be processing payments for businesses that utilize XXXX or XXXX as their payment processors. I informed the credit card employee that they would be restricting our ability to use our card at any small business in America and that Sam 's Club Master Card is discriminating against small businesses. He simply stated that he was just the messenger.
Consumer complaint received 2022-01-18
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-17
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. (SC)

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank, Home Mortgage insists that their on-line site is safe, but if it's safe how did my payments from XX/XX/XXXX and XX/XX/XXXX go missing? Wells Fargo Bank 's site is not safe. Wells Fargo Bank , Home Mortgage insists that I did not make these payments, but I am sending my records proving when these payments were made on their on-line site, which were stolen during transmission from the Wells Fargo Bank on-line site. Now they claim I have not paid off my mortgage loan, but I did. Wells Fargo Bank, Home Mortgage has been charging me late fees and other penalties since XX/XX/XXXX, which they must return to me immediately. Wells Fargo Bank employee at the branch location in XXXX, TX gave out my and other mortgage loan numbers to known criminals. Wells Fargo Bank has been attempting to deny this fact and trying to claim I owe money because a loan was given to criminals using my mortgage account number as collateral. I did not take this loan and I refuse to pay back a loan that was given to known criminals.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

Professional credit management reported on my XXXX report on XX/XX/2019. I was never received a bill about this. I have spoke to this company but they will not me resolved this issue, now this hurting my chance to get a house
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I notice there is an incorrect data on my credit profile. As such, it is a very serious error in reporting. I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute erroneous reports provided by XXXX XXXX XXXX. 
XXXX XXXX showed several discrepancies between the three reporting agencies : XXXX reporting balance as {$5300.00}, reporting 120 days past due. Has missing, incomplete and inaccurate data reported monthly. List a {$6900.00} balance for XX/XX/XXXX ledger but has starting balance of {$6900.00}. The high balance history is incorrect XXXX reporting balance as {$5300.00}. Has missing, incomplete and inaccurate data reported monthly. Last updated XX/XX/XXXX Experian has missing, incomplete and inaccurate data reported monthly. Listed as current/ terms met but data provider noted paying partial which is purposefully misleading information. reporting balance as {$5300.00}. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to validate this information. 

This information has greatly impacted my ability to qaulify for other opportunities and I have been denied opportunities. 

Therefore, I need the following information from you : The amount you claim the Principal owes you. 
IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. 
Full accounting ledger. 
All legal documents. 
An explanation showing me how you have computed the amount. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. 
Evidence that you are a licensed debt collector. 
An invoice of the products/services ordered. 
Dates of products/services being rendered. 
The address the products/services were rendered to. 
My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule If you can not show me all of the above information as requested, then please remove this item from my credit report immediately. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, you are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica (PA)

XX/XX/XXXX XXXX XXXX allowed XXXX to withdraw XXXX from our card. 
Contract with XXXX ended in XX/XX/XXXX, all equipment was returned. hadn't, heard from XXXX that we owed them any money from XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX  card used was never a card on file with XXXX, They were not authorized to use this card, they retained the cards info from a time that we used it to pay a bill. XXXX XXXX began an investigation, we submitted our documents showing this was fraudulent charge. XXXX returned our money to us on XX/XX/XXXX. We thought that was the end. XXXX took the money back XX/XX/XXXX and told us the investigation wasn't complete. This money is our total income, XXXX was never authorized to use this card, XXXX concluded the investigation XX/XX/XXXX and we still dont have our money back, not to mention when contacting XXXX, they cant even find us in their system. We didn't dispute the fact that we may owe XXXX money, we disputed the fact that this was not the card on file that XXXX had, they were NEVER AUTHORIZED TO TOUCH THIS CARD! XXXX XXXX is bogus they let anyone use this card and they dont return our money leaving us with no way of feed our kids or pay our bills this month. This is the 2nd time. XXXX still cant find us. XXXX needs to return our money!
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

I am on hold with Mohela again for the XXXX time right now. Each time I call the hold is at least 45 minutes. When I finally get to speak to a representative, I am told that my application for the extended graduated program was received and approved, and my payment amount will be {$200.00}. Then I receive a bill for over {$470.00}. I call, they " research '', I'm told the {$200.00} number again, loan is deferred while the " fix '' the issue -- -then next month I get a bill for {$470.00} again. I've repeated this process over and over again with the same result. I would really appreciate some help with this problem because I can not get any resolution from Mohela.
Consumer complaint received 2022-01-17
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. (SC)

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA PROVIDED NO ( * not ada accessible for my XXXX  XXXX ) ACCESS FOR ME TO RESOLVE FRAUD AND SENDS ME TO COLLECTIONS DESTROYING MY EXCELLENT CREDIT SCORE SO I AM DENIED CREDIT WITH XXXX XXXX ( documentation of denial unpon request ) See attatched XX/XX/XXXX LETTER RE : XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I REPORTED {$470.00}. Stating temporary credits were made permanet *** there are no temporary credits to make permanet *** 1 ) THIS TOOK A YEAR TO COMPLETE THE INVESTIGATION. 2 ) THIS IS STILL UNRESOLVED. 3 ) THIS IS FTC ID THEFT CASE XXXX. USAA CLEARLY DOES NOT ABIDE BY THE LAW.
Consumer complaint received 2022-01-17
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: Experian Information Solutions Inc. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to XXXX and had a loss of income and was late on several payments. Before XXXX I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.