davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: Navient Solutions, LLC. (MN)

Private student loan with Navient was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX Navient continues to report a charge off, balance due, and late payments.
Consumer complaint received 2022-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We have done all that we were asked to do in a very timely manner. Then it seems like we were doubled crossed by Bank of America for the second time. We were highly recommended to go into this forbearance and then when it was over, they would help us get back on track and start over. Due to covid loss of income. This has been a nightmare. now they won't even talk to us. Keep sending mail for repeated documents, over and over. They have not kept their word. then they started foreclosure on us, and served us papers while fully into a modification. Help is needed for this matter. We have done all that was asked in a timely manner, with hardly any complaints, until now we feel like they are about to try to railroad us. This is our home and our family is in need of support and recommendations about this matter. BOA has dragged this on long enough. Please help.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

It was not until late XX/XX/XXXX we learned that our bill we has received from XXXX XXXX for XX/XX/XXXX should be sent to Loancare. However our payment sent EXACTLY 1 month later ( XX/XX/XXXX ) Loancare got. At Loancare 's request we went to XXXX bank and got them a statement with XXXX 's name on it telling them that XXXX XXXX had received it. For the last 10 months we have gotten them what ever they asked for and tried to settle it with them. We even went as far to try to talk to their CFO or CEO and to call XXXX XXXX and they automatically sent us back to Loancare.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XX/XX/2023 PayPal processed an unauthorized transaction XXXX. Don't have a PayPal account nor do I transact XXXX XXXX Called PayPal, representative said they would refund the money to my checking account. While I was on the phone with PayPal them having insisted they canceled the account I never had received another email, another unauthorized PayPal transaction {$750.00}. 
They insisted to take over my laptop made repeated mistakes. Have not been able to use my computer for XXXX hours so far.
Consumer complaint received 2023-02-15
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: JPMORGAN CHASE & CO. (IL)

Starting in XX/XX/2022 I called XXXX and canceled my {$9.00} a month membership and I also disputed it with Chase, my credit card company acct ending in XXXX. Since XX/XX/2022, so over 1 year I called XXXX 5 times and have disputed this charge with Chase each month. Chase has credited my account each month except one but when I called to complain they stated that they can not stop the charges if the merchant ( XXXX ) keeps putting the charges through. I told them I did not authorize XXXX to continue putting charges through and this is fraud and Chase still claims there is nothing they can do about it even if I cancel the card they will still continue putting it through each month and I would have to continue to call each and every month like I have been for over a year now. This is criminal on both XXXX and Chases part neither one wants to do a thing about this, XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed 2 years ago.
Consumer complaint received 2020-05-21
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. (NJ)

Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

My husbands student loans were paid in full in XXXX of XXXX. We received a letter in XXXX of XXXX from Navient that his student loans were paid in full. In spring of XXXX we started receiving calls from XXXX XXXX stating that he still owed over {$5000.00} on his student loans. Our bank provided us with copies of the cancelled checks which we and both the bank had mailed to them. We also emailed them along with the letter from Navient showing that that they had been paid in full. I contacted them to see that they received the copies of payment and they told me it could take up to 2 weeks to make a decision. I received a letter from Navient showing a copy of our payment history. Nowhere in this history did it show the pay off in XXXX of XXXX. We received another letter from the Department of Revenue that the Department of Education had taken our entire XXXX tax refund ( {$5000.00} ) to pay off my husband 's student loans. We then received another letter from Navient that stated we still owe $ XXXX dollars to them. When we call Navient either they mysteriously can not find our loan or tell us it has been paid off. The bank had informed us that it is still showing on my husbands credit report and they know it has been paid because they sent the payments to Navient. I have exhausted all efforts and my next step is to contact an attorney if this can not be resolved.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2022-07-16
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. (MA)

My Experian account has experienced identity breaches twice, one on XX/XX/XXXX and one on XX/XX/XXXX. Someone beside myself has hacked into my account, changed my account username and password and the answers to my security questions. 

During both events I have called Experian customer service to understand the situation, ask them to provide as much details as possible on who is changing my email, how they changed it and have them please change the account back to my current email address. I have made numerous attempts to Experian with calls and emails, but for most of which the assistance I received were unsatisfactory. 

I believe that the breacher has gotten hold of my social security number and living address. In fear of physical danger and loss of credit accounts that associate my identity as well as other social/reputational threats. I have also filed a police report ( see email attachment ). During my initial contact with Experian I understand that the breacher has done so with malicious personal intent, for the answer to the security question they set to contains a swear word. However, I was not able to find out how they bypassed all the other questions. During my second contact with Experian they asked me to send in my identity documents through physical mail, which I did, but they claimed that they have not received the documents ( see email attachment ) and thus refuse to reset my account. I believe the breacher is the person I have a restraining order against but I can not prove it, and Experian is unwilling to work with me. 

In all events, Experian has shown negligent attitude and provided insufficient response to my request to obtain the event logs on the changes of my account. As a result, I am not able to supply the details to the police and court officer to investigate and help me put the breacher under justice. Experian is also unhelpful in providing reassurance that this type of event is not going to happen for a third time and guidance towards potential identity theft due to these events.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

On XX/XX/22 I was notified a payment had been sent to an account I thought had been closed months earlier. I contacted the bank and they closed the account and said a payment would be issued for the full {$970.00}, I waited a couple of weeks before calling back due to not receiving the payment. A clerical error on their behalf went on for 2 months of me calling daily before they realized their mistake and at that time they stated I should get the check in 7-10 days. Once again I have no payment. I call daily and they state they are emailing back office to no response. Today I was told they have no updates their is no one to speak to and hung up on. I called back to be told notes are across 2 accounts and all mixed up and that now I need to wait until XXXX for my payment to even be issued and that after that it takes up to 60 additional days to get my check. Ive never gotten a call back from any supervisor as requested Ive put in a complaint almost daily after waiting on hold for over a hour EVERYDAY.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never received any correspondence from Transunion, XXXX  and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything
Consumer complaint received 2021-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (IL)

Company : LendingClub XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX Account : XXXX Issue : Unable to withdraw funds from account. Attempts to withdraw funds out of the platform have failed without any notice. Company 's site states that money must be withdrawn to the same account it was deposited with to comply with anti-money laundering regulations. Having used this account/service over a period of many years, it is reasonable that occasionally accounts must be opened/closed/changed. Regardless, I have tried to open support cases with the company to validate the external account for withdrawal is in fact my account, but attempts to get this resolved through their support have been unsuccessful. Support case was opened on XX/XX/2021. It was not even replied to until until I again followed up on XX/XX/2021, of which I immediately responded and uploaded the requested document to validate my account. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, with no response from LendingClub in either case.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-07-16
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

At some time in 2019, I ordered a toolbox online. The transaction was charged to my PAYPAL CREDIT ACCOUNT # XXXX. Synchrony Bank, a debt collection company ( as stated on their communications ) is handling the issue. 
After more than 30 days time, I had still not received the ordered item but I did get a statement from PayPal Credit showing the purchase. I believe that there was a minimum payment due. I paid it. I then began in earnest to track the seller. Very long story, but hes a scammer from XXXX and is well known on the internet. I guess PayPal would have more information about him as they obviously sent him a payment. 

Subsequent investigation shows the seller may show a mailing label as proof of delivery. Representatives on the phone from the collection agency admitted to me that they are aware of fraudulent shipping label or delivery information. 

XXXX XXXX XXXX XXXX and I never received the ordered merchandise. Synchrony Bank has been asked many times to send me proof ( verified ) that I received it and Ill pay it. Not a mailing label. A commercial shipping document showing where it was shipped from and where to be delivered. Proof of delivery. If a commercial delivery was made to my address then they will have a document saying do. I never received anything. 

PayPal was aware I had not received it. I told them when I made the minimum payment. And during this entire time period Synchrony Bank has been adding late fees, adding additional interest on top of the balance every month.
Consumer complaint received 2022-07-17
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. (FL)

In accordance with the Fair Credit Reporting act the following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor 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 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 a account without my written instructions
Consumer complaint received 2022-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

I received a VA loan for my home from land Home Financial. During COVID they offered payment assistance for the mortgage that was to be resolved by a loan modification. I received a loan modification which was supposed to have a three-month trial and if all provisions were met, then it would become permanent. I sent in all the notarized documents in XX/XX/2021 and made monthly payments as stipulated. I also obtained tracking information to as proof that the company did receive the loan modification paperwork. About two months later, I began to receive collection information to which I called the company and resent the loan modification docs and proof of delivery. Also noted that the company cashed the certified check that was requested of me. I continued to received collection notifications over the ext 17 month, I called the company XXXX times, requested to speak to a manager, and was told managers don't speak with borrowers. They directed to me three different divisions within land home financial. This company only communicated by generic email addresses so you never really get the chance to speak with a person whom toy can call back or provide further info. I have made every mortgage payment in a timely fashion and sent proof but they still insist on the collection and potential foreclosure. Recently I found out my loan modification was never entered into their system or processed. Again, i was told to call back in a week all the while, i make monthly mortgage payments that my back insists are made and provide electronic proof of transfer while Land Home Financial still struggles with answers as to why the loan modification was never processed and why the money I spend every month is not applied to my mortgage. Since I have tried in vain repeatedly to get answers, I finally resorted to hiring an attorney in the hopes that I can get answers and land Home Financial attention to solving a problem that should never have existed in the first place. I hated even spending XXXX dollar to hire a lawyer as this was totally unnecessary if their departments would communicate with one another. This company will provide the VA loan but are completely unreliable at servicing the VA loan appropriately.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NC)

My husbands payment to XXXX was late in XX/XX/XXXX. We set up a payment arrangement to keep the account current which was 5 consecutive payments that would be the regular payment and the late payment in installments. The arrangement was to be due and paid the 1st of each month. All five were made on time. They reported each month as late. I inquired and the rep told me I should have made the payment a day earlier for it to not be considered and reported as late. I informed them that I was NOT given this option when my husband and I set up the arrangment. They continue to report XXXX XXXX XX/XX/XXXX as late and it is the sole item on my report keeping me from qualifying for a mortgage.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.