davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I submitted a request to switch my repayment plan from the Income-Based Repayment Plan to the Pay-As-You-Earn plan. My servicer, FedLoan Servicing, received the request on XXXX XXXX, 2016. I called FedLoan Servicing on XXXX XXXX, 2016 to check on the status of my application and was told that no steps had been taken yet to process the application. Today is XXXX XXXX, 2016, and I have still not heard anything about my application.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

I XXXX XXXX CEO of XXXX XXXX XXXX dba XXXX XXXX XXXX disbursed to our student XXXX XXXX a check for the FEDERAL HEERF Grant for {$1200.00} dated XX/XX/20 and it was cleared and taken from our business account at XXXX XXXX on XX/XX/20. The XXXX bank ( XXXX, Ca ) at first said it would be up to a 10 day hold. On XX/XX/20 they gave her a letter that said her account was being investigated for fraud. Then on XX/XX/20 the branch manager that the account was closed and the check was returned. It is now XX/XX/20 I have not received the funds back from BBVA and BBVA held onto my funds for 14 business days. Our student is an XXXX XXXX XXXX and I believe they started this fraud claim due to discrimination of her race. None of our other students have had any issues depositing these checks and we have sent 104 of HEERF Grant checks. The Department of Education created the HEERF grant to alleviate student financial problems during the  COVID-19 pandemic. XXXX XXXX XXXX disbursed the HEERF grants as quickly as possible to alleviate our students dire needs. The branch manager 's name is XXXX and has not been supportive or respondent. The XXXX, Ca BBVA branch is responsible for withholding government funds due to XXXX XXXX during a pandemic. This is a more detailed complain that I had submitted previously which was closed without returning the government funds. BBVA closed the complaint for not having authorization from XXXX XXXX but did not request authorization. I have attached authorization from XXXX XXXX to file and investigate this complaint on her behalf.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

Fed Loan Servicing incorrectly processed my loans. They forced me to take a forbearance for a month. A gentleman from their complaints department reached out to me to get this addressed. He was nice and took all of my complaints XX/XX/XXXX. He stated he would call me back. As of XX/XX/XXXX, no one returned my calls. I called Fed Loan Servicing multiple times. They told me to " leave a voicemail on his machine '' multiple times. It seems no one was able to contact him and just told me it was " unfortunate '' I have to take these forbearance. Unfortunately, the Fed Loan Servicing representatives do not realize that their delays cost me {$3500.00} per month because of the payments made under income driven repayment.
Consumer complaint received 2015-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (NC)

" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account
Consumer complaint received 2020-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

****NO. 1. SLS continues to receive payments from the City of XXXX EVERY MONTH on behalf of a family member in excess of {$300.00} but IS LYING ABOUT NOT HAVING RECEIVED THESE PAYMENTS AND REFUSING TO APPLY THE PAYMENTS TO MY ACCOUNT. The checks CLEARLY have the account number written on them. These payments have been sent EVERY month since XX/XX/XXXX. I'm in receipt of each and every check no sent. 


****NO. 2. The payments in question are sent each month IN THE SAME ENVELOP as the payment on my behalf of {$600.00} WHICH SLS IS APPLYING TO THE ACCOUNT. 


****NO. 3. By not applying the payments on behalf of the family member SLS is MAKING IT APPEAR as though my mortgage is delinquent.

****NO. 4. Each time I call to and ask why the family member payments are not being applied, I get the same robotic answer from the " customer service '' tellers that they DON'T SEE THEM being applied.

****NO. 5. When calling on XX/XX/XXXX at XXXX ( XXXX  ), I spoke with XXXX ( Teller # XXXX ) who asked about the delinquency of the account and I explained to her SLS was not applying the {$300.00} payments. SHE SAID SHE WOULD MAKE A NOTE ON MY ACCOUNT. 


****NO. 6. My question : HOW CAN SLS APPLY ONE PAYMENT AND REFUSE TO APPLY THE OTHER PAYMENT ENCLOSED IN THE SAME ENVELOP? WHY IF MY ACCOUNT HAS BEEN NOTATED ABOUT THESE PAYMENTS, SLS HAS NOT ADDRESSED THIS ISSUE? 


******PLEASE ANSWER THE PRECEDING QUESTIONS TO RESOLVE THIS ISSUE*******
Consumer complaint received 2024-09-09
Product: Credit reporting 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. (TX)

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.

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 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.
Consumer complaint received 2020-07-11
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'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX   XXXX XXXX  account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote TransUnion on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.
Consumer complaint received 2017-01-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from XXXX XXXX via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. XXXX did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to XXXX ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.
Consumer complaint received 2020-07-10
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. (AZ)

I AM A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX  XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.
Consumer complaint received 2015-08-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

this is additional information concerning my complaint number XXXX. My Names is XXXX XXXX. 
I did some research on my own and the loan I took out in XXXX was a Bank of America Clean Sweep Loan, however this loan was done over the phone with a customer representative. The Loan was a one time deposit of {$37000.00} dollars and the fixed rate of 15.9 % which came to payments of {$660.00} for 72 months ( 6 years ). The representative was clear on the fixed rate. I understand those loans may have been advertised by Bank of America as variable rates through other advertising for these type loans. 
The deception here is the customer service rep closing the deal. I would never sign on for a variable rate loan, having already bought a house with fixed rated, my automobiles are fixed, he sold me on the fixed rate, the payment amount and the length of the loan. 
As I state before Bank of America has since discontinued these loans in XXXX according to their customer representatives, to include calling them line of credits and credit cards. 
My most recent conversation with their representatives is that XXXX, as in my previous complaint I was told they would investigate further, but the customer representatives I spoke with on XXXX XXXX, XXXX had no notes or action taken on my account. so we spent XXXX hours on between being on hold and one customer representative and a supervisor trying to give me an explanation as to what may have happened. 
After an attempt to say I have more payments because I missed payments from the representative who knew nothing about these loans of programs, the supervisor acknowledged that I had never missed any payments. Her final answer was that I had a variable rate when I took out the loan, and that in XXXX the loan was changed to a fixed rate of 15.9 % and the 60 month term started then. The 60 month term that is reflected on the document I submitted with claim XXXX, that they provided to me. 
None of what I have been told had added up. First the loan has always been 15.9 %. To claim it went from a variable to fixed rated, and term starting two years after I have had the loan, is questionable. The supervisor telling me the 60 month term went into effect in XXXX tells me they have not kept an accurate history of my account, like I said before I have paid over 90 months ( almost 8 years on this account ). 
In summary the Bank of America Clean Sweep Loan is what this started out as. This customer service rep presented this loan as fixed rate fixed payments. Bank of America has done modifications to this loan, in XXXX and XXXX. The customer reps and supervisors have made it clear they have not been able to articulate an accurate history of my account, that is either because the account history is incomplete, has too many modifications to articulate accurately or they are towing the party line and facilitating unethical practices for Bank of America.
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX, on my credit reports XXXX, XXXX, TRANSUNION. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2018-04-02
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)

TransUnion File # XXXX XX/XX/2018 TransUnion has All alternative Credit Inquires in the last 3,6,24 & years on my file. I have not or no what or where this came from or  source. I have not or agreed and need documented proof and my signature of such All Alternative Credit Inquiries as stated by TransUnion
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

1. I just tried filing a dispute online with Equifax it asked me there for verification questions and they found my credit file. I wanted to get some other information from my credit report and came back and the session had timed out, so I went through the dispute process again from the beginning and asked me for new verification questions and I 've had the same problem in the past and asks me questions that have nothing to do with my credit history so I answer the appropriate answer none of the above. and keep getting the same response we can not verify your identity please fax your dispute. There is something wrong with their verification process! I am tired of having to fax the disputes in at my expense and inconvenience. 
2. My XXXX credit card is reporting on Equifax a showing a balance of approximately {$270.00}, that amount is incorrect! My wallet was stolen on XX/XX/2016 and I have reported that to all the credit bureaus. The perpetrator charged {$270.00} on this card, I did not! however, to avoid any impact on my credit score, I immediately disputed it with my credit card company and made a {$200.00} payment on The date of my attached evidence approx XX/XX/2016. The current balance is {$30.00}!! 
3. The reported date of my last payment on Equifax is incorrect! It shows XXXX XXXX I have made XXXX payments between XXXX XXXX and XXXX XXXX!! and the aqua fax report showed it was updated XXXX XXXX! The other XXXX reporting agencies are accurate! I am consistently having a problem with Equifax!! I need relief! 
4. The high credit of {$300.00} on this card is also incorrect!! 

I hereby seek the CFPB and the FTC to organize a thorough investigation into these matters. I am a XXXX veteran and I have spent hundreds of hours trying to resolve various issues with only Equifax since XX/XX/XXXX. It has exasperated me! my credit score is consistently lower and been lowered with each error that Equifax makes on reporting my credit information! I do not have the time, energy, resources due to my health condition to continue to fight for my rights. Please I humbly seek assistance beyond the complaint process. It has not worked for over 10 months in any of my complaints.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money. 

Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern. 

I applied for my townhouse refinancing to Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Initially, we talked, and I clearly stated, that my gross income was around {$45000.00} yearly. According to market estimate, my house worth {$170000.00} and refinancing amount would be {$130000.00}. I 've bought this house in XXXX 2009. 
The person, who I spoke to, said that it 's kinda tight, but after checking on my credit score, he said that they could do it, and took my application over the phone. He was some kind of supervisor there, and later transferred my application to one of the loan officers XXXX XXXX. 

I received electronic package, signed all documents, tho some was not exactly correct, but he said, that we could change it later. I 've also supplied 2 years of tax returns, bank statements, and all the other required documents. At the end of that day, I got a call from him, and he said, that my application was denied cause my income is not {$45000.00} but {$30000.00}. {$30000.00} was not my gross income but adjusted gross income, meaning after personal deduction, and IRA contribution. I pointed to that fact to him, but got borderline rude response. After that I emailed him, and asked for that explanation in writing, but got no response. 

About 2 weeks later, i 've got a letter from Freedom mortgage Corp where no reason for denial was stated, it also did n't say anything about where they obtained my credit information. 
What was in that very strange letter ; - Withdrawn. WE HAVE ACKNOWLEDGED YOUR WITHDRAWAL REQUEST!!! 
I did not request anything! 

I 've called them following that letter, and got the promise to call me back, and resolve the issue. One week later ... I got nothing! 

I also going to file a complain with the XXXX, cause i do not believe such a practice deserve an XXXX rating.