davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I made payments to XXXX XXXX, mailed in XXXX, XXXX, XXXX, XXXX. Checks were cashed by XXXX  XXXX XXXX XXXX XXXX, on XX/XX/18, XX/XX/18, and XX/XX/18. XX/XX/2018, Navient sent a letter stating my load was purchased from XXXX XXXX. I called to ask why the three checks were not credited against my loan. They claimed not to have received funds, and suggested I call XXXX XXXX, who then claimed that the loan was transferred to Navient in XX/XX/2018. I went back to Navient. They wanted a copy of my bank account transactions to provide proof of payment. Instead I wrote a letter with copies of the completed transactions. I waited and called again XX/XX/18. I was told I had called too soon. To wait 10 days and call again. Navient then claimed they had not received the documentation and to send a copy of my bank statement. After several contacts with Navient, I went to my banker at XXXX XXXX, XXXX, WI. She sent a certified letter, in a fax, to Navient declaring I had paid them. This was suggested by Navient. I called three days later. Navient had not received her fax, even tho the number was provided by Navient. I called my banker, she sent the fax again. This time when I called, I was told the document was not acceptable. Navient insisted upon a bank statement. OK, back to the bank who suggested she would black out all info on bank statement and fax. The first time, this was not received by Navient - again, they provided the fax number. Navient also claimed documents were illegible The second time, Navient acknowledged the bankers document, but, I had to wait 14 days for the financial dept to act upon it. I called on day 14. I was told things were being processed, and action would take place either XX/XX/XXXX or XXXX. Today, I am back to Navient who again claimed they had not received payments but they had gone to XXXX XXXX. I was to again call XXXX XXXX. Having called XXXX XXXX in XXXX was not sufficient. I called the number Navient provided. It went back to Navient. I searched the web for XXXX XXXX  phone number. It also went back to Navient. However, website did say that XXXX XXXX was now XXXX XXXX. Called XXXX XXXX but they have no record of my account. XXXX XXXX did some tracking and told me that since my debt to XXXX XXXX was in default, it had been immed sent to Navient as a personal loan. In fact, I have never been in default with XXXX XXXX. However, I had just completed the requirements for Chapt XXXX and that has successfully been closed in XX/XX/2018. 
So, I am back to Navient who I have contacted 4 times already this month alone. XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX.
Consumer complaint received 2018-09-20
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)

Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX  ) and each of the credit reporting bureaus ( XXXX, Experian, and XXXX ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Step 1 : Toyota Financial Services added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. Toyota has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit.

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to Toyota explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since Toyota 's negligence has greatly impacted by ability to currently obtain a mortgage ).

Step 3 : Toyota responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : Toyota Financial Services never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency.

I would like Toyota Financial Services to fix what was wrongly done.

Companies Involved : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Toyota Financial Services.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I live in Washington State and went to XXXX. XXXX for the weekend with my wife. 
We made a couple of charges on our credit cards. XXXX XXXX  charged a foreign transaction fee and discounted the charge to the US - XXXX rate, which is OK with me. However Bank of America charged a foreign transaction fee and DID NOT discounted the charge to the US - XXXX rate. 

This is like double dipping to me. The discounted rate at the time was 30 % to 24 % depending on who you are dealing with. ( XXXX XXXX was 24 % ) With an exchange rate of 24 % Bank of America is making an additional {$200.00} plus the foreign transaction fee of an additional {$26.00}. 

These charges are unacceptable and unfair to the consumer.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Perfection Collection (NC)

Perfection Collecton took over a debt that XXXX originally had. I explained to Perfection Collection that I never signed a contract with them or XXXX for a security system. I also condacted XXXX  to let them know the same thing. This is a debt for {$1500.00}. Upon asking them for method of verification that I signed a contract and gave my information, as well to let me know the service address that XXXX was used for, neither company was able to produce it and refuse to delete it from my credit.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (RI)

I have been doing business with GM Financial for years. I currently have four leases  with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.
Consumer complaint received 2018-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi I have concerns about my bank of America checking account. I have been a long time customer with Bank of America. I have been charged a monthly fee of XXXX $ every month. If you have direct deposit, there is no fee charged. I read this online back in XXXX of this year. Naturally I went to the bank the next day. The Bank of America Branch located in XXXX, Ma on XXXX XXXX. XX/XX/XXXX, I explained my situation, I was told I have an old checking account. So I switched to a new one. It's called Core Checking. I explained that I have direct deposit through my Place of employment. I asked how long has this new type of checking account been available. I was told it's been available for 3 years. So basically Bank of America has been charging me XXXX $ every month even if I have direct deposit. The only refund I have received was XXXX dollars. That is unacceptable!! Point blank I never received any information any communication what so ever. I'm entitled to a refund. Not to mention I have contacted the XXXX. They can not help me, they referred me to the CFPB. Can you please help me out with this problem?? Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-19
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. (NY)

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report including all Inquiries. I have no knowledge of the information reported on my report XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Unsecured Loan Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage - Balance {$40000.00} Balance Updated XX/XX/XXXX Original Balance {$40000.00} Monthly Payment {$970.00} Past Due Amount - Highest Balance - Terms 60 Months Responsibility Joint Account Your Statement - XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 71 % Balance {$4200.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving Responsibility Authorized User Your Statement - Comments - XXXX & XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 92 % Balance {$11000.00} Balance Updated XX/XX/XXXX Credit Limit {$12000.00} Monthly Payment {$150.00} Past Due Amount - Highest Balance {$11000.00} Terms Revolving Responsibility Individual Your Statement - Comments -
Consumer complaint received 2018-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent that resulted in an inquiry on his XXXX  credit XX/XX/2018. An official dispute of this application was mailed certified with return receipt to Capital One XX/XX/2018 however as of this date Capital One has failed to send a reply or an update concerning or even clearing this issue as fraudulent. This action is a violation of my clients federal consumer rights under the FCRA.
Consumer complaint received 2018-09-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. On XX/XX/2018, I sent a validation letter to USAA Savings Bank requesting validation for this account that I believe was placed in error. I received a response on XX/XX/2018 and rather than providing documentation with original contract bearing my signature proving I had a contractual obligation to pay the debts in question, they provided account statements for this account. Therefore, the accounts had not been verified.
Consumer complaint received 2018-09-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

My pay was interrupted for two months by the va with minimal notice. This caused my mortgage to default. The va fixed the issue eventually and wrote a letter to the mortgage company explaining the situation. In the time that my loan was in default, we had a small fire in our laundry room/ bathroom. I completed the work myself even though the mortgage company insisted I needed a contractors liscence to install new flooring, a piece of drywall, a pocket door, some cleaning and paint. I explained that I was a XXXX for a family member for over ten years before I joined the XXXX. Nothing in the repairs was above the average home owners skills and anyone could learn to do everything I did to my home watching videos on XXXX. I had called them at least 6 times before they gave in to letting me work on my own property. They only told me half of the actual process to get the insurance checks endorsed and sent back to me to deposit. They advised me that if I wanted my money within 5 days to send the checks in an overnight mailer to include a return overnight mailer to get it back in said due time. I did this to a cost of almost {$50.00}. This was over 3 weeks ago and since that day, I was told Id have to wait an additional 10 ten for the inspection. The inspector came last Friday on XX/XX/XXXX. I called yesterday to ask when the funds would be realesed to me and they said it would take an additional 10 days after receiving the inspection for corporate to sign off on it. This was all given to me over 8 different phone calls and I believe 7 different employees all telling me different things. When asked to give me an idea of when the funds will be released to me and why it was taking so long after I was told 5 days well over a month ago so I could write down exactly what they told me this time. The manager stopped talking. They didnt ask to put me on another hold, they didnt hang up, they simply stopped responding to me. I demanded an answer several times and when they still refused to respond I hung up the phone. The insurance adjuster and the independent adjuster both stated that I completed the repairs in a timely and proper manner. I had to borrow money to complete the repairs and since I was told Id have the money back in 5 days, I returned it to the person I owed it to ASAP. The repairs cost me about {$1500.00}, and my mortgage payment is {$1200.00}. I told them hey can have the mortgage payment when I receive the {$8900.00} due to me from them. I also believe that they are a predatory lender and since my property is worth well over what I agreed to pay for it, they want to lay claim to it or try to get me to refinance from them for the full equity so they can make their money.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

GRANDVIEW FINANCIAL SE Account Type Installment Loan Terms 48 Months Payment Status Details Charge-off Status Updated XX/XX/2014 Balance {$8600.00} Past Due Amount {$8600.00} Contact Phone ( XXXX ) XXXX-XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$12000.00} i returned the card to them and they told me i won't have any balance left on my credit report after i gave the car to GRANDVIEW FINANCIAL SE i saw that there was a cargeoff account on my credit report i contact them they told me there is damages on the car but they didn't tell us anything when we returned the car. so please ask them to remove this negative information from my credit report.
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

A non family member was contacted regarding a collection account by this company on XX/XX/20. I called and spoke to XXXX. XXXX confirmed my address. If they have my address they should not be contacting people to locate me. XXXX Told me that I owed XXXX hospital $ XXXX. I explained that I have insurance and my copay is {$100.00} so that bill is not correct. XXXX told me that is what XXXX is reporting and I owe today and it is going to affect my credit if it is not paid. I said I am not going to pay a bill that I do not feel is correct text. She hung up on me without any instruction how to proceed. Did not inform me of any rights or recordings of any kind.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OR)

I have been working with Quicken Loans, Rocket Mortgage, since early XXXX to purchase a home in XXXX XXXX, Oregon. Asking price was {$480000.00} but we talked them down to {$470000.00} and I was pre-approved while working with XXXX XXXX, Mortgage Banker, with a closing date of XX/XX/18. I have provided everything typically asked for such as bank statements, rental lease agreements, pay stubs, homeowners insurance policies, etc. 4 days before closing I am contacted by XXXX XXXX ( Senior Purchase Specialist (? ) and told my debt to income ratio was a little too high and that in order to improve my ratio, I need to take my non-working wife off the loan, show liquid assets to cover an {$8000.00} school loan I cosigned to help my cousin attend college, buy out my PMI, and buy down my interest rate from 4.375 % to 4.2 %, all for an increase in closing costs by about {$17000.00}. I was told I can either show liquid assets or show I'm a co-owner of a brokerage account with value over and above my liabilities. The next day, I speak with a XXXX XXXX, Solutions Specialist, and told that they can not move forward with the loan but can not tell me why. I am transferred to XXXX XXXX ( Executive Relations Specialist (? ) and told the same thing and that Senior management had made the decision, but she is not privy to the specific reason why. Meanwhile, my house is completely packed, my non-refundable one-way plane ticket is purchased, and the sellers are standing by waiting to sign since closing is 3 days away. After contacting XXXX, again, I am told she can send me a denial letter, and the reason for the denial is " Debt to income : non self-employed income not supported. '' In trying to confirm what this meant, I am told that it is up to my interpretation, and that when Senior management looked over the notes in my file, they decided that they were not comfortable moving forward with the loan but would not disclose the specific reason why. My Realtor spoke with XXXX and was told something different than I was told : I was dishonest with some information I gave them. 
All I want is a specific reason why my loan was denied so I can at least move forward with piece of mind on what I can do better next time. I thought ECOA required lenders to provide a concrete reason to consumers when denied a loan. I have attached a copy of the denial letter and phone conversation as evidence to the above. Please let me know if anything else is needed. Thank you for taking the time to review my case.
Consumer complaint received 2018-09-19
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)

I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX   nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.