davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (LA)

I have contacted navy federal multiple times about my payment and interest rate on my auto. I signed a promissory note for a rate of 8 % and now my auto is at 18 %. After speaking to them I was told the auto does not have the bank listed as lien holder. Upon contacting the dmv multiple times and after renewing my auto registration I found out that they are in fact listed but they refuse to adjust my payment and rate back to the contractual amount.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D&A Services, LLC (KS)

Wanted to receive information verifying that they had rights to my debt and they refused to send me a mailing. They told me they sent out XXXX mailings and XXXX was before I moved to my new address. They promised that they will no longer be calling me but taking it straight to legal action as well.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also remember that charge off accounts are treated as income since a 1099 was submitted in relation to the charged off account and income may not be reported on a consumer credit report.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. Navy federals lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. Navy federal as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. Navy federal must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. Navy federal has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. Navy federal has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from Navy federal prior assets ; date and time of the Board meeting with share holders that provided navy federal to lend from these assets, the beneficiary is also a shareholder of Navy federal and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX XXXX XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. Navy federal is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX  1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX, XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1000.00}
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I have complained on here before .. the original date of my loan was in 2007 and the orignal prinicpla was XXXX. Today after beinf talked into forebarences instead of lowering my rate.. I now owe XXXX on my prinicpal .. I have made payments for many years without missing but the last year was hard.. and all that happens is my prinicpal keeps raising as does my variable interest rate.. I will always be in debt with this loan
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

My XXXX was first deactivated for apparently being fraudulently used when I didnt do anything fraudulent with my XXXX any transactions I had with my navy XXXX were me receiving money from friends and family. Now I am losing my only bank account falsely that I use to pay my bills and I have bills coming up this week. I also contracted them about my XXXX a couple days ago and they said they were going to put a note on my account for the team to review it after the phone call and questions I was asked.
Consumer complaint received 2017-10-13
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)

A XXXX XXXX XXXX credit card account appears on my Equifax credit report, I have been trying to fix it since XXXX, its XXXX and the problem is still not solved. I have been into the bank, spoken with a banker, they wrote my a letter saying that It was going to be fixed in XXXX.
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal FAILED to verify the debt in question. They acknowledge my CFPB complaint and sent ME a screenshot of the notice for Adequate Assurance of Due Performance and IGNORED the affidavit. Simply sending me their companys statements as proof of debt instead. I have now sent them a BILLING ERROR NOTICE via certified mail. Navy Federal Credit Union MUST CEASE AND DESIST ALL COLLECTIONS AND COMMUNICATIONS that is NOT a response rectifying this matter. This includes ALL ACCOUNTS TIED TO THIS LOAN, including the ones under XXXX XXXX XXXX, whose name is also attached to this loan and the Billing Error Notice ( see page 1 ). Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally forfeit all right to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ).

Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. XXXX. Until then Navy Federal Credit Union CAN NOT report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Sending me your companys statement as proof is not substantial. XXXX is also aware that claiming there is a debt to be owed is XXXX  to the United States!
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (AR)

My Navy Federal checking account was suddenly closed. A representative told me the reason was because I had an invalid membership. I requested that my funds be mailed to me via cashier 's check, and I was told that my funds had to be held for 3 business days, and after they would be mailed to me. After 4 business days I called and was told I had to reapply for membership using a paper application and mailed back. I no longer want to be a member and ask that my funds be mailed to me.
Consumer complaint received 2020-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

Despite a ten year history with both PayPal and XXXX  ( formerly the same company ). PayPal has arbitrarily decided to hold funds in my account that were sent to me by a repeat buyer for a repeat product with a continued 100 % seller feedback rating. PayPal is extremely discriminatory regarding their practices, and lacks transparency on why they are holding my funds hostage. Please investigate PayPal for this deceitful and damaging practice without merit.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (TX)

On XX/XX/year>, I contacted PNC Bank for unauthorized charge I noticed on my credit card online account. The fraud department representative asked me to verify whether this charge was made or not and I advised this person that it was not. She then notified me that the unauthorized charge was shown to be credited and that the amount would be reflected on my account within the next 24 hours. I asked if it was necessary to have my credit card changed or if I could continue using the same card, she advised me that there were no restrictions on the card and for me to continue using it. On XX/XX/year> a credit was issued to my account in the amount of {$100.00}. I also made a payment to my account online on XX/XX/year>. I attempted to use my card on XX/XX/year> for an online purchase and the charge was declined. I logged in to my online account and this company has my available credit limit placed at {$0.00}. Upon contacting PNC credit card customer service, I was advised that since there was a fraud detected on my account, they froze the account completely. I was never notified of this action, neither by message nor by correspondence. PNC Credit Card services has been unwilling to assist me with this matter and the customer service area simply says that the fraud department will determine the status of my valid and good standing credit card account.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (OH)

I filled out a 1099A form for Navy Federal, which the IRS accepted on XX/XX/year>. As a result, it has now become a certificate of indebtedness that is considered as income. Please update my account ending in XXXX and confirm that it has been paid as agreed by all third-party agencies and send me copy B so I can properly complete my taxes.
Consumer complaint received 2024-01-12
Product: Credit reporting 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)

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: QuickClick Loans of Illinois, LLC (GA)

I spoke to XXXX XXXX of brook wood loan who agreed to settle account in full for {$450.00}. After back and for communication, XXXX accepted payment and agreed to delete in totality from repository. 

Upon checking my XXXX, this account is still showing derogatory. 

I'd like to request that brookwood loans honor agreement.
Consumer complaint received 2020-06-30
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: DISCOVER BANK (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since XXXX and have had to combat it ever since. 
These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (LA)

I noticed that several transactions were deducted from my account on XXXX. I contacted the credit union and informed them that I did not make nor authorize these transactions. 

The credit union credited my account for the following disputed transactions. However, the credit union failed to credit my account for {$2000.00} that was XXXX XXXX transaction that I did not make. I have never provided anyone my XXXX XXXX information nor authorized an individual ( S ) to transfer money from my account to their account via XXXX XXXX. 

The credit union informed me that the unauthorized transactions were made from XXXX ( XXXX ) devices. The only access device that I use to make any XXXX XXXX transactions is from my cell phone. I have not given access to my cell phone to anyone. 

It appears that the credit union has violated Regulation E 12 CFR 1005.11 because they refuse to refund the disputed transactions back to my account that are covered by the Electronic Fund Transfer Act and Regulation E because of the following : * First, the transactions that I disputed met the definition of Electronic Funds Transfer per Regulation E 12 CFR 1005.3 ( b ) ( 1 ) because my transfers of funds were initiated through XXXX access devices that I do not own and dont have access. 
* Second, my disputed transactions met the definition of an unauthorized EFT per Section 1005.2 ( m ) ( 1 ). 
1. Section 1005.2 ( m ) ( 1 ) states that this exclusion does not apply to transfers initiated by a person who obtained access devices through fraud or robbery. 

* The Official interpretation of Regulation E 12 CFR 1005.2 ( m ) ( 3 ) Access device obtained through robbery of fraud ; states that an unauthorized EFTs includes transfers initiated by a person who obtained the access device from the consumer through fraud or robbery.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (IL)

Selene Finance deliberately left my payments at their old Post Office Box for almost ( 2 ) months so they could charge me {$30.00} Home Inspection fees. They changed their payment mailing address and my payments were mailed to their old addresses which were both po box es. They were mailed registered USPS Mail. All individuals and businesses provide forwarding addresses when their is a change of address. They did not pick the mail up when it was available for pick up, they waited almost ( 2 ) months. 

The XX/XX/year> payment was mailed XXXX via XXXX Registered tracking mail number XXXX which they picked up at XXXX on XX/XX/year>. The XX/XX/year> payment was mailed XXXX registered mail XX/XX/year> tracking number XXXX and has been available for them to pick up since XX/XX/year>.
Consumer complaint received 2024-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and car was wrongfully repossessed. I even explained to the company that there must be a perfected lien on the vehicle, to ensure maximum legal rights, in which I performed a UCC-11 search and found out that there was not a UCC-1 filed in the system with this company as the secured party. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my CUSIP number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud and wrongful repossession.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I got a invation from capital one bank to apply for a quick silver card I have excellent credit with them an a spark card I have never missed a payment or been late I pay early XXXX times a month. I applied for quick silver an was approved had finally got my score up high enough to do so. Open the account on the XXXX of XXXX they closed it on the XXXX of XXXX. I have not even received the card till XXXX XXXX. An on XXXX XXXX  got a letter that I have not followed rules with a platinum card that I never had. They said a gym membership had been bought an online streaming purchase I have not had platinum card with them so I called. A specialist said that the platinum card had been ruled fraud. So then they try an say I was authorized user on a platinum card back in XXXX  I was not but the thing is they said charges was to a platinum card that was ruled fraud. I had nothing to do with either of these issues oh ya the card holder from XXXX was desist. They then reported this to credit berous an I lost 30 points off my score it took me 6 years to get my score above 650 it was 679 when they did this I did nothing wrong I had no perpitacition in either issue an they won't fix it they said oh I'm sorry there's nothing I can do to help you. I can not believe this bull it. Is everybody in America out trying to scam someone please help me this destoried my credit my business my life I did nothing to deserve this I'm I innocent of these charges thank you XXXX.
Consumer complaint received 2020-08-22
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. (AL)

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and Equifax have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.