davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

RE : Volume of Student Loans Service Provider report to the Credit Bureau per Student by Navient. 

Dear Sir/Madam : My name is XXXX. When I left college in XXXX I had XXXX loans on my credit report totaling approximately {$27000.00}. When I finished graduate school in XXXX I found XXXX loans on my credit report totaling approximately {$50000.00}. 

Currently, the student credit report is littered with student loans. Service providers have no guideline on this issue as indicated by the ombudsman office. Neither the federal government nor the private sector has any limit as to how many loans they can report for each student The current practice puts undue burden on the student, especially if they have other financial obligations. It creates credit barrier for poorer students and is unfair and discriminatory to students with not so good credit history etc. 

I have contacted service, the consumer financial protection agency, the FTC, the department of education and the ombudsman office on this matter with no success. I was told only congress can mandate any change to the way student loans are reported to the credit bureau. I recently contacted every member of the education committee with no response as of yet. 

I am kindly asking for your help in asking for the education committee to make a recommendation to Congress for adoption by the US Department of Education. 

The request is as follows : Federal Loans : Mandate that Service providers are required to report student loans by Loan Program such as Subsidized or Unsubsidized ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

Private Loans : Mandate that Service providers are required to report student loans by Interest Program such as Fixed or Variable ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

This does not prevent service providers from managing their contracts. It also presents fair and balance reporting without undue burden for the student. 

Thank you kindly XXXX XX/XX/XXXX
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank are making it increasingly difficult to ascertain the fees and charges they are racking up against my account. Recently, we had a couple of small payments with insufficient funds to cover. Usually, Chase will immediately show a {$34.00} fee for each item. However, they have taken the route of now HIDING those fees and BUNDLING them into XXXX charge as a part of the end of month statement. This is carefully planned by Chase, as it makes the fees very difficult to question or discuss. Often a substantial period of time has passed, so Chase can assume the client has forgotten about the incident, and therefore will not question the fees when charged at a later date. See attached letter.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

The bank is : M & T XXXX, NY., I have been customer for several years. It seems that in the past couple years, I keep going over my account amount of money. This gets to be quite a lot of money at almost {$40.00} a hit. They sometimes reverse the transaction as a courtesy, they said. 

Most of the time, it seems to be happening in the last week of the month. 

What I want is if a company that tries to withdraw money ( using my bank debt ), be it auto withdraw or used at a XXXX, and the amount goes over what I have in the account to PREVENT it from going through. 
This would save the consumer a lot of money. I do n't know what the financial or legal steps are involved please look into this and see what can be done. Additional, although, M & T ( which is a commercial bank ), has no XXXX and understanding for the " little guy '', I would like the bank withdraws that they have robbed from me for a least the last two years. 
Please understand that every pennie is important. I am XXXX XXXX XXXX. My income comes from XXXX monthly. I receive just over {$700.00} per month for several years. No I have no overdraft protection as my credit is poor. Expenses have gone up but my income has not. 

I have taken a the steps that I can to make sure the monthly withdrawal are done after the first week. This takes into account weekends and holidays. 

They told me it ca n't be done ( block with draws that cause the account to go over. ) I say WHY NOT. Why ca n't it be changed to protect the consumer that lives from paycheck to paycheck or monthly SS. I have tried by best to ask them to prevent theses type of over changes but they refuse to work with me. 
Summary, 1. Prevent withdrawals from withdrawing if it causes account to go overdrawn. 
2. Return these over drawn charges for the past two years. Not just to me but to all the consumers in the same type of situation. 
3. Levi a fine on behalf of the consumer.
Consumer complaint received 2016-01-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AR)

I recently opened an account with U.S. Bank here in XXXX, Arkansas. Since the opening of my account which has federal funds directly deposited monthly, I have observed the numerous overdraft charges. These fees ' have been compromised by banking errors. As it is known that banks can and will commit fraud by extracting funds from consumers accounts. Sometime these actions are noticed sometimes not. Thankfully, I am a type of person that pay close attention to all transactions that occur on my account. With this information my hope is that a member of C.F.P.B. will contact this bank namely ( U.S.Bank ) open an investigation to determine that fraud and unlawful activity has been noticed. Upon the completion of the investigation the funds will be refunded and I may move forward with perhaps a new financial institution. With hopes of obtaining more satisfying results.
Consumer complaint received 2016-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Despite repeated occasions of telling Portfolio Recovery Systems that they are calling the wrong party, they continue calling me at home, at work, and on my cell phone. In the beginning, while trying to reason with them, they told me that the debt was from XXXX XXXX. I have NEVER done business with XXXX XXXX. My credit rating is in the XXXX on all credit reporting services, and yet they continue to harass.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MN)

I rented a car using my XXXX card. when I returned the card I paid with my US Bank card. 
I was then charged with a fee from my XXXX card for 1 day and a fee from my US Bank for XXXX. I reported the issue to US Bank. They returned the amount in 15 days. US Bank later reversed the charge and charged me XXXX again. They said they mailed a letter requesting addtional documents that I never received. Its been 15 days and Im still waiting to have the fee reversed from US Bank. I called and they said they have all my documents however nothing has been done.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

The company said they mailed forms to me a post office box address which I never had. when I became aware of the issue in XXXX 2015, the representative asked me questions about the account and VERIFIED that the information on the account did not match my address, email and phone number. So she advised me to update my personal information so whomever opened the account would not be able to access it. The Rep. gave me a address in Georgia which i never was a resident of so I gave her my current address which was XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX. The date that account was open, I had no access to any kind of communication due to the fact that I was in basic training for the XXXX which I sent in the info the USAA proving that I was n't able to open a account. A couple months after I initially became aware of the account, I reported it to USAA fraud department, who said that my address and contact info matches which was XXXX XXXX XXXX ( The address that they updated not the original address used when the account was opened ). I do not believe that I should be liable for a account I was n't possibly able to open.
Consumer complaint received 2016-07-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

XXXX XXXX in XXXX, Tn turned over a {$480.00} debt to Fox Collection in XXXX, Tn. XXXX XXXX made a mistake when they did this b/c I 'd got a XXXX program at XXXX XXXX XXXX in XXXX to pay for that hospital visit. When I pointed this out to XXXX XXXX they cancelled the remaining balance on my account. Fox Collection reports a zero balance on the debt but they have told XXXX XXXX and me as well. That they can not remove that negative account from my credit reports. Which we all know is false. Collection Agencies contact credit bureaus everyday and inform them they would like for accounts to be removed that were settled, cancelled and/or paid off.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (FL)

I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to access my credit report online, but I am getting an unable to complete your request error. Transunion is denying me access to my account because I religiously check my credit report after a credit denial. I can not get ahold of a real person to fix the problem.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 

Account Name : 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. 
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several inquiries on my reports are unfamiliar and were not authorized by me. I have been victim of identity theft in the not so distant past. 

I disputed these inquiries only to be informed that inquiries were information that could not be removed as they simply reflect credit checking These false inquiries affect my score and if its information provided by agencies then it has to be removed if it 's not accurate
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was checking out for a {$200.00} purchase at Kohl 's Dept Store in XXXX, NJ and planned to use my VISA. The checkout clerk tried to have me apply for a store cc which I declined. Then in the process of using the VISA there were multiple questions on the keypad. Asking me to type in my name, asking questions about my citizenship and finally asking for my SSN. I refused to provide my SSN and they would not process my VISA. The store clerk told me it was the law and that I had to enter my SSN to use my VISA. I know that to be false but he insisted. I suspect the store had some kind of sales promotion for the checkout people and he was trying to capture my information to get the sales promotion rewards. I imagine that people not aware of the law may be duped into providing Kohls their SSN.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX, I presented a {$2500.00} check to my bank branch for cashing purposes. I did not know the check writer well, it was a web generated check, and I had questions about the authenticity of the check. I asked the teller if the check looked alright. She promptly responded that it was ok and that all the funds would be released the following morning. Two weeks later, my account was charged back the {$2500.00} due to NSF in the issuing bank. I soon found out that the check writer had a record for issuing bad checks. She did not respond to requests to meet and return the money to me. The branch manager was not very helpful, but finally agreed to issue a statement that confimed that it was a fraudulent check. He also admitted that the teller should not have stated that the check was alright. I filed a police report, and they were surprised that the bank did not look more carefully at the check, as it looked suspicious to them. I filed a formal complaint ( received a complaint number ) with the bank fraud department, and was told i would receive a call back within 48 hours. No response from them. I called a week later and repeated the request, and was told again that I would receive a call back in 24 hours. I did not receive a response. I called a third time, and was told that my case was given to a different department, and I would receive a call back in 48 hours. I did not receive a call back. I finally filed another complaint with the main office of the bank. I was told there was nothing that could be done, since the bank policy did not guarantee that a check would be honored if there were insufficient funds. I am complaining that 1 ) the branch office mishandled the cashing of a fraudulent check, and all funds were released in a very short time period 2 ) the branch manager was uncooperative despite admitting the check was fraudulent, and the teller should not have indicated that the check was alright 3 ) Repeated lack of response to formal complaint. I am requesting that the {$2500.00} be restored to my account.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XXXX/XXXX/2015. I opened a dispute with Transunion due to the fact that I had just paid off my Student Loan in full on XXXX/XXXX/2015 with the XXXX. I provided the amount of the payoff and an explanation stating that the loan was no longer in " collections '' and should be reported as closed. Per the FCRA, my understanding is that Transunion is legally required to conduct a " reasonable investigation '' of this matter. 4 days later on XXXX/XXXX/2015 Transunion " hastily '' completed their investigation, citing that the account was being reported " correctly '' despite having direct evidence from me that the account was paid in full ( attached ). I assert that Transunion did NOT conduct a reasonable investigation, and violated the FCRA by being " willfully negligent '' in their investigation, or that they did not actually do any type of investigation at all. Due to the failure of Transunion to conduct a reasonable investigation, I demand that the report be removed from my account immediately.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ditech Financial LLC (VA)

In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.