davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (CA)

Collection agency Convergent Outsourcing is reporting to my credit report a collection ( XXXX ) that charged off more than 7 years ago, past the statute of limitations for credit reporting.

I have informed Convergent Outsourcing that this collection is older than 7 years and that they must delete it but they have refused.
Consumer complaint received 2017-06-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Sin ce 2014 w hen I graduated from  XXXX   XXXX . I was inf ormed that Navient would be my loan servicer. Unfortunately this has been nothing but a headache. I had only started working this passed year. Between then and now. Navient has harassed me about my loans. They have even called daily if not twice a day. I also suspect that they have use many times a autodialer or robo dialer. On top of the harassment by Navient. The reps I have spoken to have never tried to put me in to any income based repayment plans. Furthermore there has n't even been any discussion of any options I may have. They just kept pushing me in to forbearance after forbearance. It was only after I had spoken to another company did I find out that I have options. It has come to my attention that there are a number of law suits against this company I have even wondered why an injunction has n't been filed against this company.
Consumer complaint received 2017-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On  XXXX   XXXX ,  2017 , received by all  XXXX  credit reporting companies by  XXXX   XXXX ,  2017 , by land mail ; I wrote a very extensive dispute request to all  XXXX  credit reporting agencies (  XXXX   XXXX ,   XXXX   and Experia n )  and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the   XXXX   system  ).   After speaking with a representative from all  XXXX  credit reporting agencies, they all confirmed that the creditors used the  XXXX  system to expedite my dispute with creditors and none of the m ( credi t reporting agencies,  XXXX   XXXX ,  XXXX  or Experia n ) req uired the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as shor t as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being rep orted correctly. I had a repossession that I settled,  XXXX  collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but th e State of Georgia has it on my credit report as a negative account. They show I applied but was not gran ted and all  XXXX  bureaus are reporting this as a negative account, hurting my credit and chances at a better life.  <P/> CFPB you got ta help me get this mess off my credit report. I am a 21 year,  XXXX  time combat veteran who could not work for years due to my  XXXX   XXXX   XXXX  diagnosed condition. This is what I get for serving my country?  <P/> This clearly violates the CFPB requirement.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (UT)

Equitable acceptance told me that they were part of  XXXX  student loan forgiveness and that my loan was going to be forgiven. They charged me {$40.00} a month to keep an eye on my account they took this out automatically every month when I checked my account a full loan was there and nothing I was paying was going towards paying it off. I was lied to entirely. I cancelled the automatic payments and received harassing phone calls multiple times a day for weeks. Whenever I tried to call and cancel my services with them they never answered or returned my messages.
Consumer complaint received 2020-10-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have spoken repeatedly to Ms. XXXX XXXX with Navient throughout the month of XXXX in which she is still demanding that I settle my private student loans by the end of the month. Recently I have asked ( XX/XX/XXXX ) to lower the down payment from {$5000.00} to {$2500.00} before making payments, but nothing has come from this discussion. I tried asking to renegotiate the total repayment of the loan and that was denied also. In fact, I was further be belittled over the phone about how these student loans are my problem and I need to make a decision what to do by the end of XXXX. Furthermore, I tried explaining to Ms. XXXX that my job may be the chopping block due to market uncertainty. I am a XXXX  in an XXXXXXXX XXXX XXXX and our clients are beginning to cancel or delay projects again due to the ongoing pandemic Covid-19. Now, I'm asking for a delay on repaying this defaulted loan until the beginning of the New Year when we can re-assess how stable my income will be. Thank you.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (RI)

amerihome Mortgage erroneously included an extra insurance policy into my escrow whereas I only have one policy. Because of that, my monthly mortgage payment has increased by more than {$100.00}. I have called them 5 times and emailed multiple times and they have not corrected the escrow and monthly payment. It has been about 3 months and they completely ignore my requests.
Consumer complaint received 2017-06-18
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: EQUIFAX, INC. (MS)

It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KY)

I contacted Navient in  XXXX  of  XXXX  about my student loans, to say that I was going back to school and that I could n't afford payments. I was told I was in a grace period and that I would notified when a bill was due so that I could call back and have my loans defferred or placed in forbearance. She also told me she would note my account so that they would know I am placing my account in forebarance once the grace period ended.     I was never contacted bout a payment being due. I was never told my payment was late ; I was n't told it was 30 days late, 60 days late, or 90 days late. In  XXXX  of  XXXX ,  Navient  put  9  negative charges to my credit report. I contacted them and told them they never contacted me about a bill or told me that the bill was late. I had n't received anything from them. First, the lady tells me she mailed them. I told her I 've been living my house for 15 years, you did n't mail me a thing. Then she switches and says that they emailed me, I told her that they didnt do that either. She then tells me to dispute it and explain. I did!  Navient  has basically been telling me these past few months that they are not taking it off my credit report. I have asked for proof that they tried to contacted me and after telling me numerous of times they would, they basically said that they wo n't. I was also told that they called me, but they did n't do that either and I check my phones records to ensure that.     I got a call on  XXXX / XXXX / XXXX  from Navient and the representative basically told me he wo n't remove it from my credit report because I am in the wrong. Under their policy they are suppose to contact me when the bill is past due before they report it to my credit and they did n't. They are basically abusing their power, telling me they do n't have to prove to me they did anything and they do n't have to remove anything from my credit report. He also made no sense with their policies and basically told me to deal with my new bad  credit score !     I have done my research on this company, they are abusive to their consumers. REMOVE YOUR LOANS FROM THEM IF YOU CAN! They are not down to help, they do nothing but lie and  XXXX  people over. Its bad enough that we live in a country where we have to go in debt to get an education, now we are getting screwed over even more by having poorly ran companies like  Navient  messing up our credit!
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I hope that you can help me with my issue with Chase Bank. I received the e-mail from Chase on XX/XX/2019. The ad says open a Sapphire Checking account and enjoy XXXX Chase ultimate rewards bonus points and since i travelled a lot it is very enticing to me. I went ahead and open the Sapphire Checking account online ( direct link from the e-mail around XX/XX/XXXX and by XX/XX/2019 I was able to complete their requirement of {$75000.00} total deposit in the account. Per the flyer they will credit me the XXXX points after 45 days of completing the deposit requirement. I called the bank after 45 days cause i don't see it being credited to my account and they said that I mis-read it and it should be after 90 days. I went ahead and just honor what they said and waited another 45 days to get the points. I have been checking my online account and nothing is happening and its been more than 90 days. I went ahead and call the customer service again sometime around beginning of XX/XX/XXXX and I was passed on to different people until I was referred to the Sapphire Checking specialist. He said that there was no code loaded in the account when it was opened therefore they can not do anything. Please note that i opened the account from the link they provided in the e-mail and it specifically stated that " your coupon will be applied automatically ''. I asked to be referred to the manager but he won't transfer me but he said he will put a note on the system to call me. He also suggested to go to the local branch and they maybe able to help me out. I never got a call nor an e-mail from the manager so I went ahead and went to the branch at XXXX XXXX on XX/XX/XXXX. I spoke with a representative and I also showed him a copy of the e-mail I received and he called some people and was not able to help me either so I asked for the manager. At first he was hesitant to refer me to the manager bragging that he knows everything and that the manager will say the same thing anyways. Finally after telling him that I will close my account he went ahead and call the Acting Manager that day. She was very sympathetic and understand my situation but can not take any action because she has to escalate it to the proper branch. She promised to call me back by Monday, XX/XX/XXXX. She called me and left a message that Monday or Tuesday to tell me that she needs more time. I left her a voicemail to update me by e-mail because I will be out for 3 week going outside the country. I got an e-mail from a manager but not sure if the same branch but did not give me any resolution to the issue. When I got back I went ahead and went to the branch ( XX/XX/XXXX ) and of course there is no manager to talk to. The person I spoke with said the same thing again that the account was not coded. I'm not really sure if they work on it or not but I'm really mad and fed up and i just closed the account. At this point I don't want to waste the interest I could have earned from that money to the bank.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: WELLS FARGO & COMPANY (GA)

I currently bank with Wells Fargo and am using an app called XXXX XXXX. In order for the application to run properly, my bank has to communicate with them and send them my information. This is being done at a very slow rate and it is literally costin me money. I would appreciate it if my bank was able to more efficiently, and effectively send and receive information from other companies so that this error would n't come up as much
Consumer complaint received 2020-08-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$11000.00}, {$800.00}, {$2800.00}, {$390.00}, {$1800.00}, {$9000.00}, {$1300.00}, {$2500.00}, {$270.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened XXXX XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Consumer complaint received 2020-08-30
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. (TX)

I have been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, Equifax and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I had an account with the American Bank and they closed it for the reason of Fraud. That is what is written on the XXXX XXXX XXXX report ( report is attached ). Now I am not sure what fraud have I done and by reading the following story you will understand this as well. 

Due to the pandemic i was laid off from my job in XXXX, so applied for assistant-ship. Thanks to refugee settlement program, they sent us a check of XXXX dollars. We didn't receive the check for several days so we called them and they said that it has probably lost so they sent us another check. We received the check and my husband ( XXXX and at home, can not speak English at all ) entered it into our account but it bounced. The date of this transaction was XXXX. Account and checks entering dates to the accounts are attached. 

So we thought that it probably has something with the agency that they have blocked the check and we called them again. They said probably we have entered the first blocked check and wait for a few days to receive the other one and enter that to the bank account. So we waited for few days and we received another check. This bounced as well. So we called the agency that both checks bounced and they are not working. They told us that they will investigate and call us back.. 

After few days we got letter from the bank that our account has been closed. We went to the bank to ask for the reason and they didn't tell us anything but directed us to the XXXX XXXX XXXX. 

We called reporting services and send emails through the XXXX XXXX portal ( all information and proof is available ) and they didn't respond at all to our question, except they sent us the report from the bank and that's all. Emails to the early warning service are available. 

Upon calling the bank to check with them what is the issue, they said that it was a business decision that they closed my account. I told them, fine but why is this decision is showing different on the early warning services and as a " Fraud ''. They said they can not do anything to that service and that we have to talk to the reporting service our-self. 

I am a mother of XXXX with a XXXX  husband at home. I work in a factory and all my life depends on this account. I always try to be on top of my financial transactions as i know that it affects my credit and my life. It exactly happen like that, with bouncing a check how can my account be flagged as fraud. 

Due to this issue now i can not open an account in any institution and upon investigation i have been told that this report will last for at least 5 years and that i won't be able to open an account for the duration of that time. 

Tax season is upon us and i need to have an account to file my taxes. I need help as i have been everywhere and no one is helping me at all. I hope that I will be given a fair chance to prove myself and my transactions. 

Regards, XXXX XXXX
Consumer complaint received 2020-08-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I send a lett  er to Trans Union with a copy of my Virginia Drivers License, a copy of my Social Security Card and a copy of a current bill showing my current address. I asked Trans Union to send me a copy of my credit report as l received adverse action in relation for applying for a loan, i asked them to send me a copy based on this, also they can see the inquirers on my credit report file with Trans Union.
Trans Union se  nt me a letter dated  XXXX   XXXX ,  2017  asking me to send them the same information l already sent them, my wife sent the  m the same request at he same time with me and she received her credit report from Trans Union.
Under the FTC.GOV federal government web page l am entitled to a credit report if adverse action was taken against me. Here is the statement from the FTC.GOV web page : " Under federal law, youre entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action '' So l am requesting your help in having Trans Union send me a paper copy of my report as state by Federal Law. AGAIN THE INFORMATION WAS SENT TO THEM.   Thank You  XXXX   XXXX
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.