davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have a few issues with the investigation that Experian did. I sent them a letter stating some errors I saw on my credit report and their response was completely unacceptable. All the responses say are " Remains '' which Experian pointed out means that no changes were made. " Processed '' which means that they are n't even done with the investigation! and " Updated '' and according to the letter I wrote them, there is no new or relevant information on the accounts making their statement a blatant lie! Not only did I point out the errors but I made it clear that I was not disputing that the accounts were mine, only the missing information, and issues with the payment history. I do n't think that Experian read my complaint at all! I ca n't believe that they would send me such a horrible response, I am genuinely concerned about my credit report and what is being reported on it and it is Experian responsibility to make sure it is correct. I am demanding these be fixed and my complaint to be read by a real life, breathing, thinking human being so that my voice is heard.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MD)

I am having and still is having issue with the XXXX Credit Bureau for the last two years. I have been told that I have to provide information in order to Requested my credit reports and all I get is nothing. I have sent Experian XXXX the information that was requested in order for me to receive my free annual credit report and I have yet to receive my credit reports from either XXXX of theses agencies. I feel like some XXXX with in these agencies are monitoring my credit report. I also believe that XXXX, Experian and XXXX has been issuing my credit report to somebody else other then me I also have belief that my information is being sold through XXXX and Experian there is no reason why I am being Deny my rights to my free credit report every year. I feel like my EUAL RIGHTS ARE BE VIOLATED AND I PLAN TO TAKE THIS AS FAR as I can I also believe that these company in General has share my information with my employer and several others with out my permission. every time I request my report they come up with that same line that I did n't provide enough information well how much is enough. I had enough!!!! I feel like your company is challenging me to legal battle see I only see what I think you are doing and I am aware as long as negative marks remain you are less likely to obtain fair market rates also I understand you carless because its big business for the Credit Bureau to deny you a report then because you need it you will pay for it is the thought I believe
Consumer complaint received 2016-08-12
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION (FL)

I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Consumer complaint received 2016-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is taking too long to share my transactions with XXXX. This is limiting my ability to use XXXX when I need it. I use XXXX to access my pay when bills are due or I need to buy groceries.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for assistance after falling behind on my mortgage due to unemployment. I have hired an attorney to help me with the process. The attorney 's in house underwriter states I qualify for a regular XXXX modification. Bank of America now states I do not qualify for a regular modification due to XXXX / Investor non-approval. I have not received any denial letters or explanations. We believe there may be an error in some of the information the investor is using to make this determination such as the value of the property or similar. Bank of America has also started foreclosure by filing a Notice of Default on XXXX XXXX, 2015. They did not review me in a timely manner that last time I applied for assistance. They stalled and took 76 days to review me. This is after they filed the Notice of Default against me, thereby burning all of my time waiting for them. Per my attorney, this is wrong and I believe illegal as it violates Respa Reg X- Regarding timelines for reviewing someone for foreclosure assistance, especially after a Notice of Default is filed. I am told they were supposed to review me within 30 days of having a complete package. They received my complete financial package on XXXX XXXX, 2015. My attorney confirmed they received the package and that it was complete on XXXX XXXX, 2015. However, they did not make a decision until XXXX XXXX, 2015. I have attached notes from my attorney 's calls to the lender. You can see they did not review me in a timely manner. It feels like they stalled on purpose and then intentionally denied me solely to reach the 90 day mark where they can now set a sale date and I have run out of time to save my house. They give no reason for the denial and now they have burned all my time to be able to correct what ever errors they made while reviewing me to save my home. I am told by my attorney that the timelines set by RESPA Reg x to review someone for loss mitigation assistance within 30 days of submitting a complete financial package were set up this way because lenders were stalling and then just setting sale dates. I fear this is my case. Bank of America seems to have burned two and a half months sitting on my application. This is after foreclosure was started and my timeline to a sale date is also running out. They are not not giving me the reason for my denial and as of XXXX XXXX, they can now set a sale date leaving me no time to figure out how to save my home. Attached you will find notes from my attorney 's office proving Bank of America sat on my loan modification request and has burned my time since my Notice of Default putting me into a bad situation now facing a Notice of Sale.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

on XXXX/XXXX/XXXX a I rebooked and tried to once again pay for a hotel room at XXXX in XXXX XXXX that was denied payment the first time by Wells Fargo Bank without notice and they stated Wells Fargo denied the payment because my debit card had a XXXX limit. I called the bank and they refused to change the limit at all so I could book a new room. They told me to go to the bank and take the money out and pay. I live in XXXX and can not afford to fly to XXXX just to pay for the room. They would not do a one time change just to pay for the room. After a day of phone calls, a bank manager in XXXX where my husband works finally allowed us to raise the limit to XXXX to pay for the room. While my husband was in the bank in front of the bank manager I paid for the room and printed the transaction which showed pending, one for XXXX and the other for XXXX on Monday XXXX of XXXX the transaction is gone. Not pending it is just not there and I have an available balance back to over XXXX . The bank told me it is not there fault and the hotels but it is approved without any proof for me that I paid the bill. It is just gone. They told me before that they own my debit card and my bank account and i just have to wait. What if I lose my room again? They do this with my airline tickets, and cellphone bill every month. This causes overdrafts and shuffling of my transactions out of order of the deposits and transactions made. I have a printout of bank statement for today and XXXX XXXX when I paid the XXXX time. I have no proof of the first time i paid because it disappeared and i did not print it.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-05-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i found a 30 day late on my credit report on a line of credit account and the 30 days late apparently happened in XXXX of 2009 and contacted the bank for an explanation, apparently the bank does n't have or could not locate the events at the time, they know that the account probably was acquired from countrywide financial and maybe it happened during the transfer of accounts to their bank ... i was told that the XXXX payment was never collected and thats a proof that maybe the payment went to countrywide and they collected the money from them. i ask to be removed from 30 day late and they advice me to file a complaint to get this resolved. i know its only 30 days but if it was not my mistake removing this late payment will be helpful in my credit report.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Neon Newco Corporation (TN)

XX/XX/23 the department of treasury sent XXXX my refund check. XXXX sent my refund to a wrong account to Netspend/XXXXXXXX XXXX. The account was listed in someone elses name and social, and Netspend depoisted my money in that account. Knowing that my information didnt match the account holders information. My tax preparer called XXXX and alerted them i never received my refund. Thats when i found out that, my refund was sent to this account. My taxprepaer was giving the name of the bank and trace number, call XXXX to inform them to send the money back. Netspend called and verified with my tax prepayer my information doesnt match the account and they refused to send the money back. They advised to take the issue up with XXXX or IRS. They could see that the money was deposited in someone elses account and they couldnt do anything. They advised its not there issue, but could see that, the account wasnt mine and still deposited my tax money in a wrong acct. Spoke with XXXX XXXX at Netspend and she refused to speak with XXXX about the issue. She said to do whatever, they wasnt refunding any money at all. Even though the account isnt mine. She refused to give me information and refused to give my tax preparer information about where my money was sent and to whom. SHe refused to open an investigation into the matter. My refund Trace # XXXX
Consumer complaint received 2016-07-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Navient is an awful student loan service provider. I have had multiple issues constantly with Navient. I have recently transferred my loans to a different service provider. The new lender made over payments on all my loans. When I log into my Navient account all my account balances show {$0.00}, no payment due. This is very deceptive since I actually have negative balances on all my loans and Im due back a little over {$900.00}. My new student loan service provider told me to contact Navient about the over payments and the request checks be sent to close out the accounts. I called Navient, they wo n't touch the over payments for 45 days ; then I have to call them back to request they send the over payments back to the new lender. Navient wo n't even discuss my government loans which they also manage but that 's a different division and I have to contact someone else about those but no phone number is provided. Moreover, Navient has been calling and sending paperwork to my co-signer on a regular bases to get additional payments ; I 've never made a late payment. Naivent has no business calling a co-signer unless the primary on the account is XXXX and there are outstanding late payments. I have no records of them sending any documentation to my co-signer in my online account where I 'm supposed to manage all correspondence. I have placed limits on how Naivent is to communication with me and they completely disregarding my communication request by sending invoices to my co-signer. My co-signer has been sending payments with specifics on how she wants the money distributed ; Naivent has never followed the written instructions and distributed payments according to their own process. This happened when all of my accounts where current. I have {$650.00} in over payments due to me or my new loan service provider ; I have {$250.00} in over payments on my government loans that Naivent services but wo n't discuss with me. Navient says I have to call back in 45 days and ask for my money. Navient is all over awful and consumers should stay away!
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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. 

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 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2016-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I recently attempted to make a payment towards the principal of XXXX of my higher interest student loans. The Navient customer service associate insisted that I would have to pay the unpaid interest on all loans ( despite their varying interest rates ) and then the remainder would then be applied to the principal. I disagreed with the way Navient wanted to allocate my payment since no payment was due at the time. By the end of the call, I reluctantly agreed to pay the unpaid interest on the high interest loan I was attempting to target. After reviewing my account today, I discovered these clear and specific payment instructions were not followed. Navient applied over 37 % of the payment towards the interest on all loans. This required me to make multiple phone calls and spend an excessive amount of time on hold correcting the way the payment was allocated. I do feel that Navient uses these deceptive payment allocation tactics to systematically keep borrowers with varying interest rates indebted. Please take action against Navient to address these concerns. Thank you for your consideration.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Navy Federal Credit Union. Application number : XXXX, Navy Federal Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to Navy Federal Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction. A copy of this adverse action letter can be provide that Navy Federal Credit Union sent me.
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Financial, Inc (IL)

We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust. 
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence. 
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX. 
Your assistance with this will be much appreciated. Thank you.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...
Consumer complaint received 2016-01-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ND)

I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

In XX/XX/XXXX, I logged into Navient to pay my student loan bill the day that its due which is the XX/XX/XXXX of each month, but it stated that no payment was due. Checked again a day later and it still stated that no payment was due. Checked again a week later and still no payment was due. I logged in yesterday to make a payment for this month ( XX/XX/XXXX ) and I not only had XX/XX/XXXX payment to pay, but also now XX/XX/XXXX payment finally showed up as a late payment and now I have to pay for both months.