davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
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. (TX)

I had trouble for the past several years in paying my loan due to stage XXXX XXXX. I recently went back to work and began to repay. I asked for a new payment plan and booklet which I received. 

I have been paying the amount due ( XXXX ) on the payment coupons. I keep getting reminders that I am delinquent and I owe more. After Paying in XXXX, I got a note that I still owed {$140.00}. while I paid with the payment stub, I was not sure why I am getting this other payment. I sent the payment along with a letter asking for an accounting of what was going on and why I am being asked for multiple payments. I did not get a reply. 

It is very difficult to juggle these payments with medical bills. After making another payment in XXXX ( XX/XX/19 ) of {$200.00} on my account using the payment stub amount of {$170.00} ( asking that the overage go to principal ), I just got another letter saying I was again delinquent. I am very upset and angry with this system. They never respond to my letters. I hope you can get an advocate to help with this. I want to pay my bills, but I can not pay if they keep changing the goal post. This also makes me question if I am getting credit for the money I am sending. I have the information on my bank statement verifying payment was cashed by Navient.
Consumer complaint received 2019-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (ND)

I have tried multiple times to get a hold of the servicer by phone and email. The phone numbers are disconnected and the website says " you are not authorized to perform this function '' when trying to log into the home page XXXX XXXX XXXX I attached the information I could find on the phone numbers, one of them actually leads somewhere but it's to a company called " XXXX  '' loans or something. 

Payments have continued to hit my checking account monthly on the 22nd of the month as they always did under XXXX. 

I have no idea what the remaining balance is on them, how to pay off early, etc. 

Very similar to the other complaints I found online for this company ... Which I attached.
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I am an XXXX XXXX XXXX XXXX member with a student loan account with FedLoan Servicing. 

I am enrolled in the Public Service Loan Forgiveness Program and currently on track to have loans forgiven in XX/XX/XXXX. I file for employment certification every year. My last accurate count of qualifying payments was on XX/XX/XXXX. In XX/XX/XXXX, I was notified FedLoan servicing had a computer glitch that erased 25 payments I made from XX/XX/XXXX through XX/XX/XXXX. I was told that they would need to manually recount and it would be done promptly. 

Here it is almost 10 months later and they have yet to fix this error. I am still missing 25 payments due to THEIR computer glitch. I have provided them documentation to show FedLoan previously certified those payments and I provided them records that I was making all those payments under an income-based plan. 

I have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience. I dont trust anyone that I talk to there ( in fact, one person I talked to last week said my concern about trusted advice is valid ). 

I have waited 10 months for a resolution - to get these past 25 payments certified a second time. I have done my part, and this company has not. 

This is urgent as I am only several payments away from completing this program. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following fraudulent addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX. My current and only address is please delete all other variations. I am no longer affiliated with the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH   XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE TO GET THIS RESOLVE BEFORE I CLOSE ON MY HOME!!
Consumer complaint received 2019-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I initially filed a complaint # XXXX ( see attached ). I thought that the response from Chase Bank would resolve the problem. In essence, a credit card payment from a Chase credit card was never received by the vendor. We show the transaction taking the funds from our account but Chase would do nothing to assist us in working with the vendor - the basis of the complaint. Chase, in response to the complaint, provided transaction information which we shared with the vendor. The vendor could not use the information and replied with a statement ( in Spanish ) which we submitted to Chase Bank. Chase has not acted on this letter so I ask that the complaint be reinstated or a new complaint be raised based on the initial complaint. I have attached some of the relevant documents.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal credit
Consumer complaint received 2019-05-16
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. (UT)

XXXX XXXX account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (UT)

Cavalry SPV I , LLc attornies filed a summons in Civil court against me XXXX of XXXX, 2019. Served to me at my home address and only address on file on XX/XX/2019. I then intern filed a Response to the civil suit on XX/XX/2019. On XX/XX/2019 Cavalry SPV I , LLC violated section 805 ( b ) my sharing my personal and confidential information with a Third Party. On XX/XX/2019 Calvary SVP, LLc filed a Certificate of Service of Plaintiffs initial disclosure in the Civil case against me. It was sent and signed for by someone in the state of Texas. I was informed they also broke rule 26 of Utah law. Failing to provide the debtor with proof of debt within 14 days. I still have not received any documents pertaining to the debt I am being sued for. I was told file a complaint with cfpb as Calvary has a history of such violation in many states. 
I can provide court records, case numbers and other documents that validate
Consumer complaint received 2019-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NC)

Santander Consumer USA / join in on the class action lawsuit. 

In 2013 i purchased a car through XXXX and they provided me with santander consumer, i knew nothing to be wrong with this bank besides the facts that my car loan came up to be {$20000.00} and in 2 years i paid off {$7000.00}, but within my 3rd year its like i could never get under that {$13000.00} mark and i was trying to figure out why, just couldn't figure it out, until now recently i just found out that they just had a loan suit against them about the same thing i went through, they also repoe 'd my car and left me stranded at the movie theater and if this was unlawful i would love to atleast get my credit back to a good standing so i can get another car cause now that is all they see is a repo. i was just curious about what i need to go through to join this action? 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX , NC
Consumer complaint received 2019-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (GA)

A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I had a voluntary repo and since then, the full amount of the vehicle was placed on my credit report. I know typically the vehicle is sold at auction, but Nissan is reporting the full balance to my credit reports which is incorrect. I don't recall receiving anything from them in terms of what the vehicle was sold for in the time that's allowed for the state of GA. For that reason, I feel it should be removed from my credit report.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

I have an open case and I was disputing collection debt that was already paid by my lawyer. I went to speak with my lawyer and he said the same day I was sent to collections the law firm sent the payment. They literally crossed each other at the same time but I was told by my lawyer XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX I was told they took care of all my medical bills and this is true and we have already contacted the company and my original complaint id with cfpb is XXXX The reason for this new complaint is that they sent me to collections AGAIN for a {$64.00} debt THAT WAS PAID FOR ALREADY!! Please help me they are ruining my credit I was above an XXXX score and these two collection debts have destroyed me and I am in process of looking to purchase a home. PLEASE HELP ME!! I was a victim in a car accident and now I am being victimized again and it is not fair considering they were paid in FULL. My lawyer sent a check for {$330.00} which covered several different charges two of which I was sent to collections over and probably have more that they will send to collections if this isnt handled but the {$330.00} covered all of my bills!! I will attach proof in documents as well
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on XX/XX/XXXX via XXXX XXXX registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, GA. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )
Consumer complaint received 2019-05-19
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: Experian Information Solutions Inc. (CA)

I submitted a hand written letter to the company and explained to them 1 ) that I never inquired about any loans or credit from these particular companies and also have never received any loan or credit from either company.

2 ) I also submitted a hand written letter explaining to this particular company that my name, address, and employment was incorrect and provided them with proof and correction of my name, address, and employment and it was not corrected at all. 
So therefore I am submitting an official complaint asking for your assistance and support to get these particular things fixed on my credit report being theyre reporting false and incorrectly on my credit report.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX and Equifax continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.
Consumer complaint received 2023-08-23
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: Williams & Fudge, Inc (NH)

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 U.S.C 1681. 

Account # XXXX XXXXXXXX XXXX XXXX XXXX {$4100.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions. 

15 USC 1681 c. ( 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 USC 16818-s-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 information is accurate.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

This matter pertains to my yearly renewal for IDR. 
Reported information and was asked to submit federal income tax, which I did. 
I was asked to send alternative information about income, which I sent paycheck stub. 
After sending paycheck stub, found out information taken from my GROSS amount was used to determine monthly payment. 
Then found out that the reason for using paycheck stub was due to answering " yes '' to significant change in income. 
I believe that question is deceptive and customers are lead to assume that change of income means making a lower amount ( which was my case ) as well as an increase. 
By using my gross amount as opposed to my agi, my payments went up 5x that of what they had been. 
It isn't right, affordable, or in fair practice for them to ask 5x the amount based on a person 's income who brings home less than half the amount of their gross pay. I am a teacher in MO and to begin with I have 14.5 % of my income taken out for retirement alone. On top of that, I have XXXX taken out for my portion of insurance premium. On top of that, I have XXXX taken out for XXXX ins. I haven't even got to my fed, state, and medicare deductions. This is a dishonest practice of fed loan and they need to make things right with my payment.
Consumer complaint received 2019-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I opened a Citibank Savings account online last month. When opening the account, I clearly indicated that " I am NOT subject to any tax withholding '' in the account application. However, Citibank made a very serious mistake by still withholding tax from my first month 's savings account interest. 

I request Citibank to immediately correct the error by refunding the incorrect tax withholding back to my savings account. Meantime, I request Citibank to ensure my savings account is set correctly to " Not subject to tax withholding ''.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Reviewed credit report and saw a number a hard inquiry from XXXX/XXXXXXXX XXXX XXXX, SD XXXX. Never applied for a XXXX   Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

We had just purchased my pre-owned XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX of this year XXXX. We were just getting organised with our new lender, Ally Financial, and barely received an invoice and all of a sudden a late fee was assessed in the amount of {$82.00}! At the time we had an unexpected family emergency resulting in an unexpected addition expense. I'd shared this reasoning for being late with Ally who's off-shore representative stated they will " submit my request to remove the late fee for review ''. This is the first time I'd heard of this given it was the first late fee and we'd only had one. Most lenders at the very least reverse one late fee. Instead, I've been given a hard time in addition to being interrogated as to why I was late etc. even though I'd already stated unexpected expense- I didn't feel I needed to go into the personal reason of a family emergency so when I'd mentioned that in addition today the rep said, " well that's not the reason you provided prior ''. WOW. Adding insult to injury here! I'm writing you to both inform you of how Ally is treating their customers. We already pay a premium in interest payments and their late fees are obscene. We'd appreciate assistance with having this removed. Also, it is very difficult to work with their off-shore reps- very difficult to understand them and they refused to transfer us to anyone in the United States . Thank you in advance.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.