davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-22
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX I filed a dispute with XXXX  and XXXX about me not having any knowledge of account with XXXX, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this day.
Consumer complaint received 2021-11-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NY)

I received mail from this company, Navy Federal Credit Union, telling me I made deposits to this bank, I have been with the same bank for many years, it's the only bank account I have. I never even heard of this bank. I am being scammed and harassed by this company, I have mail they have sent me, I called them to tell them they have the wrong person, I'm XXXX XXXX XXXX on a fixed budget, I would please like an investigation on how they have my name and address, I would like to file a law suit. also, I intend to write to our Attorney Generals ' office XXXX XXXX XXXX I will not stand for being scammed by this company! I also want to have them investigated by the FCC and Consumer affairs, can you please advise me as to who else I can contact to have them investigated, I appreciate all the help. Thank you very much.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX and Transunion are in violation the FCRA Laws. I XXXX XXXX a natural consumer never gave any written consent to report these fraudulent accounts on my credit profile. I sent them XXXX letters XXXX on XX/XX/21 XX/XX/21 and on XX/XX/21 XX/XX/21 about them violating me and my rights as a natural consumer UNDER 15 USC 1681B 15 USC 1681N. They still haven't corrected my credit report to reflect accurate information.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (FL)

VARIATION IN CREDIT REPORTS - EXPERION I am very concerned with the credit rating submitted by EXPERION. Their rating is XXXX vs XXXX at XXXX and XXXX XXXX. This a huge variation between the other companies. EXPERION has caused me a lot of problems as they had information wrong on my credit report than had to be corrected. I sent them the following on XX/XX/XXXX and am waiting for a response. They also advertise their Boost program which does not list my bank. If they are going to do something for some individuals they should do it for everyone. 
I believe they are only interested in making a profit off everyone rather than correctly calculating my credit score. 

Why does XXXX XXXX XXXX not show up in your list of Boost banks. I pay my rent every month, electricity and XXXX phone using my bank debit card and have always been on time or early since XX/XX/2016. I am also concerned about my Experian score which is XXXX vs my XXXX  score of XXXX and XXXX   of XXXX. That is a huge variation. If I do not hear back on both questions I will contact ConsumerProtection.gov on Tuesday XX/XX/XXXX. 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

On XXXX XXXX, XXXX we were pre-approved for a home equity loan from Discover Home Loans, after an initial phone call with an agent. 

That same day, we received a list of items to upload to the portal to start the formal application. 

For weeks, we received requests for more documents -- sometimes the requests were for documents already uploaded once. Each time, we uploaded the documents, as requested, but were concerned that it seemed like there was a glitch in the system. 

Finally, we received a number of emails from the assistant of the personal banker assigned to us that everything looked in order and they would be forwarding to the underwriter.

But then requests continued, and often did not make sense. For example, requests for W2 forms despite the fact that they knew we were self-employed.

One of the last straws was when the underwriter 's manager made a false assumption and arbitrary decision to omit some of my Schedule C income because I had moved to a
different state, so my income from the prior state must have stopped. This false assumption continued even after I explained that my work as a consultant was the same no matter where I lived. I had a long-standing contract with the same company and the same income level. My Schedule C income was the same in XXXX, XXXX, XXXX and XXXX. I offered to share a copy of my contract, but they were not interested.

The very last straw was speaking to a personal banking supervisor who could not track what was happening, and kept referring to the wrong documents in his attempt to back up the underwriters. It felt like gaslighting. He mentioned that they had closed the file in XXXX, and there was nothing more that could be done. But it was XX/XX/XXXX and this was the first I had heard of it. Indeed, I had had at least 4 phone calls with the personal banker, attempting to rectify their errors, and it had never been mentioned.

Truly, an unimaginable nightmare with Discover Home Loans which wasted hours and hours of my time. I am left to wonder whether it was some form of discrimination, a scam, or some other unethical/illegal thinking that drove this process.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient has been reporting late payments on my credit for two years On XX/XX/XXXX they had them removed 59 late payments on XX/XX/XXXX XXXX and XXXX ended my dispute against Navient stating that Navient verified the payments as correct and they were all put back on my credit cause a huge drop then they reported it as when they did there monthly reporting it deleted the past due payments however I have documentation from XXXX and XXXX stating that isnt the case thay Navient verified the debt as correct and put the late payments back on I believe Navient is in the middle of a cover up I would like to file a complaint against Navient XXXX and XXXX for breaking the law and putting fraudulent information on my credit I would like a full investigation
Consumer complaint received 2021-07-14
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IN)

Navient 's system does not credit overpayments to " overdue '' amounts and fees. In XX/XX/2021, I paid twice the amount the statement stated, expressly for the purpose of paying off any outstanding fees and late charges. Despite this, each month my statement still indicates a delinquency. 
I believe these fees relate back to a previously adjusted account ( due to their error ) and should not even be represented as overdue in the 1st place. 

I attempted to reset the " overpayment '' options in my profile, however- there is not an option to direct any overpayment to outstanding fees. 

In order to " Self Direct '' payment amounts, the system requires the user to enter a bank card into their system to I pay pay bills thru a bunch of confusing line items with no idea of which one will address the late fees and charges. 

While Navient 's response is that their " system is often difficult to understand '', that is insufficient.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second. 

I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process. 

They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers. 

I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck. 

I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I sent a message to Prestige Financial after they removed a 5 year credit history from my report. I filed chapter XXXX in XXXX, and my car was not included. My car payment was paid in thru the bank from XXXX. They removed the entire credit history citing it is their new policy. It should be illegal for the trade line history to be removed prior to bankruptcy filing I asked for a copy of the policy and here is the response they sent : Disputeresponse XXXX To : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX XXXX, My name is XXXX, I am the supervisor here in the Credit Reporting Department XXXX 



We are unable to send you the policy, as upper management has decided that if an account is included in any type of Bankruptcy we are deleting the tradeline. I understand that your Bankruptcy has been dismissed however, we are unable to update your credit to show this account. The tradeline was deleted from your report. 

Please advise Consumer finance. thank you
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I believe my federal student loan servicer, Mohela, is mishandling my request to change my repayment plan. 

I contacted Mohela on XX/XX/XXXX to have my loan repayment plan changed from the default standard-repayment option, to the Extended Graduate Repayment plan. Since XXXX XXXX, I have called Mohela 7 times, which on average each wait hold time takes 4 hours for each call ( which mind you has to be done during my work day ). Thirty business days from my original request would have been XX/XX/XXXX. 45 days would have been ~XXXX  XXXX. 

We are now THREE months out from me requesting a repayment plan that, per the federal government, I am allowed to change to. But every time I interact with a person/supervisor at Mohela Im told , Mohela is running a bit behind. And on multiple occasions Ive been pushed to go into forbearance even though I have repeatedly said I do not want to pursue that option. How is a federal loan servicer 's unpreparedness now the burden of the borrower? 

I have talked with five different Mohela supervisors between XX/XX/XXXX and XX/XX/XXXX. Each one of them said they expedited the process to request my repayment plan change. One said this will be done end of business day today, I promise. That was the first week of XXXX. One said she would call me with an update she never did. One said, I can guarantee your XXXX bill will reflect your new payment plan. It didn't. Additionally, I have requested from three of these supervisors all the notes Mohela has on my account including call logs ( not transcripts ) be sent to my account. Each said they would, and yet I still havent seen these either. As I told the multiple supervisors, I want in writing an acknowledgement of the day I made my original request ( which had to be done over the phone ). 

As of XX/XX/XXXX, my request to change my repayment plan still has not gone through.
Consumer complaint received 2021-07-15
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. (TX)

Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to XXXX, TransUnion and XXXX. XXXX acted accordingly by deleting everything off my credit report including inquiries except that they are not reporting my score on my credit profile. TransUnion did get rid of some but left XXXX, XXXX and Inquiries. XXXX deleted all inquiries but left a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. However, my biggest problem is with XXXX  and TransUnion who continue to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I have filed a complaint with the FEDERAL TRADE COMMISSION and sent it to all three credit bureaus and attached it to this complaint as well. I am demanding that XXXX TRANSUNION, AND XXXX  remove all INQUIRIES, and listed attached so called collections and derogatory accounts off my credit report immediately.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

I received an email on XX/XX/XXXX and a letter on XX/XX/XXXX from what appeared to be Chase bank saying I had an account opened, even though I did not. I called the customer service number, and it was very realistic, so I gave them my social security number and they said there was an account in my name and put me on hold. On hold, I decided to double check that the Chase customer service number was the same but it was not. I called XXXX instead of the real customer service number. I immediately hung up and froze my credit but now I know my information is out there. No money was stolen to my knowledge but I am very concerned.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Self Financial Inc. (DE)

Charged interest on a XXXX balance! Balance was XXXX when the statement closed and they stated that even though the balance was XXXX, it wasnt paid by the due date in full, which should only apply if your being charged daily interest, which should only apply to cash not purchases. I attempted to resolve it but they failed to help so I just paid it and now my statement balance will report as just an interest charge!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CT)

I had difficulty paying rent due to the COVID-19 pandemic. I attempted to work with my landlord but they sent my account to a debt collector without any notification. 

On XX/XX/XXXX, I received calls and letters from IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX informing me of my debt. 

On XX/XX/XXXX, I responded, disputing the amount of the data, and requesting documentation verifying 1 ) that IQ Data International is licensed to collect debts in Connecticut, 2 ) that IQ Data International is authorized to collect this debt, and 3 ) that I am responsible for the debt. 

IQ Data International responded with a listing of my debt, which in addition to my rent included substantial additional charges. They provided no additional information. On XX/XX/XXXX, I responded, again disputing the amount of the debt and requesting documentation of license to collect debts in Connecticut and their authorization to collect this debt. 

On XX/XX/XXXX, I received a letter from IQ Data International threatening that without payment they would report my debt to credit bureaus. They did not provide any of the information I requested. 

On XX/XX/XXXX, I responded again, asking for the verification information. In response, they provided no further communication and reported my debt to XXXX.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (KS)

Credit Collection Services also known as CCS is violating the FDCPA laws by incorrectly reporting inaccurate derogatory information to my credit report. The company is reporting I owe them money. Ive never had any business or any accounts w/CCS. I was never notified by mail, or by phone of this debt. I received a collection notification and called CCS. I spoke w/XXXX, who confirmed the address on file was incorrect and not updated. We confirmed that the amounts being reported of {$58.00}. Is not correct. The actual amount they have a request for is XXXX. I informed XXXX that I had no knowledge of the debt and that I can resolve issue w/fair opportunity. I asked XXXX, due to him verifying the wrong address is on his file, the wrong amounts is being reported, and that I had no knowledge and willing to resolve could this derogatory information be removed. XXXX refused and escalated me to XXXX, a XXXX supervisor. 

XXXX, also confirmed the address they had on file was wrong. She confirmed that they tried to call a number on file but was NOT able to reach a person. She confirmed that I had no account or business w/Credit collection services. She said that they were a debt collection agency and that the company I actually owe is XXXX XXXX. She said theyre are 2 collections. One for XXXX and another for {$50.00}. I exclaimed to XXXX, that the information they were reporting was incorrect and that I had no knowledge of any debt or money owed. I advised XXXX of my correct number. I also educated XXXX, that my FDCPA rights were being violated because CCS were violating the FDCPA laws.1. I never received notification of debt which prevented me from being able to have a fair opportunity to pay balance Im presumed to have owed. 2. They are reporting the incorrect amounts that I owe to XXXX. 3. XXXX, told me the only way their willing to update my file and remove this derogatory, inaccurate reporting is that I send in proof of my personal address. Thats a violation of my privacy rights. I have no account w/CCS. 4. CCS is reporting the derogatory information to my credit report 3x in the month of XXXX. She still refused to remove this inaccurate reporting. I also spoke w/a manager by the name of XXXX. She was very rude and condescending. I advised her that I contacted the company I question and that the monies owed have been resolved w/XXXX XXXX. She has still chose to violate FDCPA laws and not remove this derogatory report thats inaccurate and I also was never given knowledge of.