davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I began the process of repaying my student loans inXX/XX/XXXX. I made an error and missed my first repayment date by three days, so when I payed the loan amount, {$370.00}, I was charged for both the month of XXXX and XXXX. Making the two payments allowed me to get caught up and have some time to save for the payment that would be due on XX/XX/XXXX. In order to make sure I did not miss the date again I enrolled in the Autopay feature so when there is a balance on my account, the {$370.00} would be taken on the due date, the XXXX of every month. I logged onto my account today, XX/XX/XXXX, to make sure that everything was going smoothly since my next due date is coming up in three days. To my surprise I saw that my account had been charged for the XXXX payment, which was two months worth, totaling {$750.00}, again for the XXXX payment, {$370.00}, and again for the XXXX payment. All of this time my total balance due on the XXXX of every month has been {$0.00}, and yet money is still being taken out. When I noticed this I called Navient to discuss what to do since I am still being charged and I am a month ahead. I wanted to have the balance even out so I would have that one month of recovery period to get money back into the bank. I was put on hold and then told I could be helped if I agree to the terms and conditions, I did not think about it until I heard that I would be put on a forbearance because I was not able to pay. This is crazy! I am able to pay, I already did pay, and now they want to charge me interest and say I am not able to pay to make up for their billing system errors.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2017-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (PA)

I requested verification of a debt owed to  American Honda Finance  via the  XXXX   XXXX   XXXX  and received papers that have been fraudulently signed by someone other than myself and  one  of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of  XXXX  shows a total due of {$0.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have sent in two prior written request for a validation of debt request for and the company failed to investigate and provide documentation I requested. 

Experian wrongfully put a debt on my credit report that is not mine and due to identity theft. These accounts are not mine. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX  Account Number : XXXX Disputed Account : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc. (SC)

Receivable Solutions calls me repeatedly, sometimes every day, at all hours, despite having been told not to call me anymore. The number that shows on the Caller ID is XXXX. I want the calls to stop please. They have been told to stop calling me at least a month ago, if not longer. They have called me at least nine times within the past two weeks, at all various hours, sometimes very early in the morning.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MN)

On XXXX/XXXX/XXXX I opened the US Bank Altitude Reserve card because they have advertised that " spend {$4500.00} in 90 days and get XXXX points ''. I paid {$400.00} annual membership fee right away after approval. I used it to book some airline tickets on XXXX and XXXX, and used for a computer purchase and hotel reservation payment on XXXX. On XXXX, my card was involuntarily closed by US Bank. I called XXXX and spoke to XXXX, and he told me, per their T & C, my card was permanently closed because I used my card to buy " cash equivalents ''. I only have these charges to my card for the whole lifetime of the card, and none of them are " cash equivalents ''. Then he said it was closed because some of the transactions are earning me " reward points '' and therefore US Bank decide to close my account. So the fact is, I did not use the card on any " cash equivalents '' ( which XXXX said was forbidden by their T & C ), but they still closed my account nonetheless because my transaction is simply earning rewards points. To date, my rewards point count was XXXX, although they advertised that I could get XXXX points ( worth {$750.00} ) after spending {$4500.00} in 90 days. From what XXXX said, my understanding is, US Bank advertised their card as a " high rewarding card '', but once you use it to earn rewards, your account would be closed by them because they do n't want you to earn the rewards. To me, this is typical " Bait-and-Switch '', and is cheating customers into applying ( and resulting in a hard inquiry and huge negative impact to the credit report because of both the inquiry and short lifetime of the card itself ), and then only keeping those accounts that they do n't need to pay rewards expense. I also used the card to reserve several hotel nights, which would resulted in inconvenience. I can not believe US Bank is doing such cheap thing. And the agent XXXX even said " go ahead and file a complaint if you want '', sound like they do n't care at all.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

On XXXX XXXX XXXX when you went online banking a message came up that online banking will be closed until XXXX XXXX at XXXX XXXX since that day i have a few Business accounts with apple bank which i can not get login access and I 've been to the local branch like 10 times to get a date for getting access and i was told that  it takes max 2 weeks, the frustration not having access is unexplained in XXXX to wait for online access so long is unheard off, its close to 3 weeks now and still no date for getting access please help me
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Our loan was sold from    XXXX   XXXX    to  Rushmore Loan Management  in  XXXX    XXXX   or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to  XXXX  over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore  has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

We purchased our home in XX/XX/XXXX for XXXX. We received a conventional mortgage with XXXX for XXXX. In XX/XX/XXXX we were approved for a HELOC with XXXX for approximately XXXX. In XX/XX/XXXX i became unemployed. I was out of work for 3 years. We reached out to XXXX many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to XXXX many times for help they were unable to assist us. XXXX sold our mortgage to Seterus inc in XX/XX/XXXX. we were taken to court and foreclosure procedures continued. In XX/XX/XXXX we filed for chapter XXXX bankruptcy. Our homes current value is XXXX and we currently owe XXXX for 45 years. We need extensive repairs as well to help increase the value of the home. When we purchased the home in XX/XX/XXXX for XXXX this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home. Seterus lost paperwork when we first attempted to modify Our mortgage during my unemployment status. After 8 months of waiting and call Seterus we had to start the process over. This was in XX/XX/XXXX Now we have been offered a modification for the current balance of XXXX for 45 years We will never be able to pay this off and at this time we need extensive renovations can not get a loan to make the repairs and upgrades because we are under water. The current value of the home is XXXX and our mortgage balance is XXXX.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

I got a phone call ( not for me  XXXX  from  Midland Credit Management to day  (   XXXX / XXXX /  XXXX  ,  XXXX   )  on my home telephone number. This was not the first time they 've called. They were willing to give me their name and phone number but when I asked repeatedly for their mailing address they refused citing that they wouldnt because, " I hadnt answered any of their questions. '' I, admittedly, started to get angry and demanded to speak to a supervisor. I asked them if they were a debt collector calling in an attempt to collect a debt - refused to answer. Asked repeatedly for the mailing address - initially they refused to answer ; they only gave it after I threatened to take them to court ( I did finally get the address ). Initially I just wanted the supervisor to apologize for his subordinates actions.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened my checking and saving account with Bank of America around 4 or 5 years ago. I have been using the both account in the similar matters for years without any issue. 

Today I received an email notifying me that my XXXX account is no longer connected with my email address, which is very strange because I didn't do anything on my end. Until Later I logged into my online banking finding out with customer services that both my checking and saving accounts are terminated without notice meanwhile they did not provide me with anything that explains why. 

This two accounts are financially supporting my daily needs, now they even refuse to tell me a date that I will be receiving my money or finishing the closure process.
Consumer complaint received 2024-10-28
Product: Credit reporting 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)

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports TransUnion and XXXX : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Consumer complaint received 2017-06-12
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. (CA)

I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Several loans which are currently being serviced by XXXX have incorrect loan balances and interest amounts. For example, XXXX loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. XXXX is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When XXXX received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Consumer complaint received 2017-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MO)

I was travelling in XXXX during the week of XXXX XXXX to the XXXX. Currently, XXXX does not conduct business with America banks or financial institutions which means my credit cards and ATM cards were useless. As a result, I had no money so I reached out to friends to send money via Western Union. XXXX sent {$540.00} XXXX XXXX as you can see from the screen shot attached. However, I was not able to receive the wire because I was told that only XXXX citizens can receive money via Western Union. Over the past 2 weeks, XXXX and I have made at least 10 phone calls and we get nothing but the run-around. They have not refunded his bank, nor will they allow me to pick up the wire at any local Western Uniuon locations. We 're both about ready to lose our minds. Any help you can give us would be tremendously appreciated.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OH)

I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.
Consumer complaint received 2017-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (VA)

on or about XX/XX/XXXX I requested a copy of a cancelled check I wrote on my home equity line I was given the check # XXXX the amount XXXX .I was told it would be sent out & I would have it in 7 to 10 days .on XX/XX/XXXX I called again & spoke to supervisor XXXX .I told him that I never received the image I requested he said we sent it I asked him to please e mail it he said no I ask him to fax it to the bb & t XXXX branch he refused to do that he said it would be sent out & I would have it Friday & he would call me on Friday to make sure I got it .I have n't received to date or a call from him I went to the XXXX branch the following week & spoke to XXXX the manager she could n't find the image she called XXXX XXXX XXXX & XXXX both called me the next week to tell me the image did n't exist .the following Sat. my girl friend received a packet in her mail addressed to XXXX XXXX & XXXX XXXX in XXXX va. Not XXXX va. the address I gave them over & over. in it were 3 years of statements for XXXX & XXXX XXXX in NJ.i call XXXX & she denied sending it to me. I told her I am a letter head with my on it & she signed it .still denied sending. they also took {$330.00}. out of XXXX account for there statements .they cant tell me where my paperwork is or why I have n't received it. please help us .XXXX needs to be reimbursed. please call me XXXX