davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

When I called the company to inquire why I don't have money on my card yet they started to explain to me that I'm a new customer and everything is put on hold for 21 days and that was it the phone hung up and I haven't been able to get a hold of them since they have me in this vicious cycle of calling and the whole thing goes through it's natural emotions as they're open and I'm calling during open hours all of a sudden at the end it says we're not open at this time. Also I'm facing eviction because I can't pay my rent I can't pay my electric or my heat I have no money for food it goes on and on
Consumer complaint received 2021-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I consolidated my student loans in XXXX with Direct Loans through XXXX XXXX XXXX. The loan was then transferred to XXXX XXXX XXXX via XXXX in XX/XX/XXXX. XXXX fulfilled the drop in interest rate to 4.125 % after 24 consecutive months of timely payments resulting in monthly payments of {$350.00}. I qualified for an economic hardship forbearance from XX/XX/XXXX to XX/XX/XXXX, at which time XXXX raised my interest rate to 4.375 %. I paid interest payments only during that time. At the end of the forbearance, XXXX sent a bill for {$2600.00} in remaining interest, which I paid in full. I then signed up for EZ pay automatic student loan payments, which dropped my interest rate back down to 4.125 %. The loan suddenly increased by over {$5000.00} and the payments then increased to {$520.00} per month. I paid {$100.00} to principal on XX/XX/XXXX and XX/XX/XXXX, which were credited properly. I received a 1 % drop in interest rate after 36 consecutive timely payments, dropping my interest rate to 3.125 % and payments to {$450.00} per month. Sallie Mae took over my loans around XXXX and changed names to Navient in XXXX. Auto-debit was set up with Navient and payments of {$450.00} were taken from my account on the first of each month. Despite paying this loan consistently on the 1st of each month, as an automatic withdrawal, extra payments sent were applied to interest and principal both or only to interest. I recently called Navient to have them explain this to me and they told me this was happening because I had outstanding interest charges. I asked how this could possibly happen with consistent on-time payments and the rep could not explain it to me. She did say that if I paid the outstanding {$15.00} in interest, that all future extra payments would be applied to principal. I paid the {$15.00} that same day by having the rep complete a bank draft on XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment sent in with a letter asking that it be applied to principal only and the payment was applied to both interest and principal despite my express request. I am not sure what is going on with Navient, but there is something that just isn't right. I have made over {$4500.00} in extra payments since XXXX and none of them have been applied to principal only. I also think there were some extra funds erroneously applied to my loan by XXXX after the forbearance. I would appreciate some help in evaluating what is happening with this loan and why I keep incurring interest fees despite consistently timely payments. Thank you very much.
Consumer complaint received 2021-04-03
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX RABBIT XXXX XXXX XXXX XXXX FL XXXX DOB XX/XX/1973 SS XXXX I pulled up a copy of my credit report and seen there were some accounts that are not mined and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.. The following accounts in dispute are listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX VIA XXXX UNIT XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX HEAD MD XXXX. 
My current and only address are XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. PLEASE REMOVE ALL ANY ALL OTHER ADDRESSES.
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2021, I opened an account with the XXXX XXXX company XXXX, and till this day ( XX/XX/2021 XXXX my account hasn't been verified, leaving me unable to withdraw the money I have deposited to the account. When opening my account I provided the information required and a photo of my license from both sides. Right now I'm only allowed to make deposits, but not to withdraw what I deposit. Ive given the company time, but more than a month is just unacceptable. Ive tried communicating with them on three occasions ( I can provide dates if required ), about what's going on and even mentioning that I was about to take legal action, but all I get is the same exact answer with no answers to my specific problem. I tried avoiding escalating this, but unfortunately I'm left with no choice, since I have money tied to this account that I can't even touch because of the disservice of this company.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CO)

BBVA VISA credit card assessed late fees after pulling auto pay offline with no notice to consumers. XX/XX/XXXX late fee of {$14.00} then XX/XX/XXXX additional late fee of {$28.00}. 
XX/XX/XXXX an adjustment of {$28.00} which did not refund interest accrued on all late fees.
Consumer complaint received 2021-04-03
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: EQUIFAX, INC. (TN)

Wrong Address, Fraud, Incorrectly Shows Account That's Not Mines. Fraudulent Address & Negative Account Information Still Appearing On Equifax Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) In Reference To Account Number Starting With XXXX Including The Unrecognized Phone Numbers Associated With The Negative Account After Contacting The Creditor Directly. My Correct Current Phone Numbers Are XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX, TN XXXX '' Is My Current Correct Home Address As It Reflects On My Government Issued ID, Identity Theft Report And Piece Of Mail For Identity And Address Verification I Uploaded As Well For Supporting Documentation. Based On The Facts, The Negative Account Is Fraudulent Prior To Unmatched Personal Information. The Following Emails XXXX '' And POSSIBLY " XXXX Was Also Compromised The Same Year The Fraudulent Activity Occurred. The Reason XXXX XXXX Was Still Receiving Complaints From That Email Through The CFPB Portal Is Because I Created An Online Account With Them That Same Year As Well. This Is A Huge Mistake Even Though XXXX BANK Claims That Fraudulent Activity Didn't Occur On Their End And I Can Also Say The Account Was Opened In My Name But The Charges Is Fraudulent But I'm The Wrong XXXX XXXX XXXX So It Isn't True And Accurate If I was Incarcerated That Year To. So I Couldn't Have Opened It. My Information Is Mixed Up With Someone Else 's And I'm Sorry About This Big Mess. Gladly To Say I Hired XXXX To Assist Me And The Account Will Be Challenged, Receiving Future Letters Asking To Provide Documentation Verifying That The Account Is Actually Mines So You Might Wan na Review Again Because After This Final Time, Dispute Resolution And Complaint. Im Seeking Legal Action Against XXXX BANK Headquarters.
Consumer complaint received 2021-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NJ)

Back in XXXX i contacted the nelnet department regarding settling with lowering my payments and i was told to fill out a defer form, which i tried to submit.The school no longer exist and there were allot of fraud going on with the XXXX XXXX XXXX which i attended back in XXXX .I offered everything i possible can to get some help and i can not seem to get any help.The amount that was stated was XXXX dollars which is not accurate. I feel like i was scammed out of an inaccurate amount.
Consumer complaint received 2021-04-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MA)

I attended state school for 6 years part time. I owe about XXXX to Sallie Mae. My mother co-signed with me, and we got approved every semester regardless of the fact well never be able to pay that money back. Sallie Mae harassed us with emails, mail and phone calls to this day about taking out a new loan. I borrowed around XXXX for my first semester in 2014 - thats now up to about XXXX despite my paying interest every month while in school. Sallie Mae is even worse than the XXXX was - at least they were honest.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called XXXX to ask why it is not reported and did not get any clear explanations.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX / Chapter XXXX Bankruptcy XXXX / Chapter XXXX  Bankruptcy
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NJ)

Company named Checkr reported back to my employer that my Motor Vehicle record stated that on : XX/XX/2019 I was charged with obstructing passage of other vehicle.. This is incorrect ... 
XX/XX/2019. Involved in accident .... This is incorrect ...
Consumer complaint received 2021-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Our HELOC loan was transferred from the current lender to another lender. The new lender is using Specialized Loan Servicing to collect payments and service the loan. The statement we received for XXXX showed a payment due amount of XXXX, We were currently trying to refinance our first mortgage. We have waited on Specialized Loan Servicing for 3 months to register the deed with our county. They still have not. We were finally told their lender would not subordinate the loan and remain in second place on the deed. We made the decision to payoff this HELOC and refinance the first mortgage. The statement we received for XXXX showed a XXXX payment due. Since the decision had been made to payoff this loan and we had the payoff amount from Specialized Loan Servicing, we did not make any payment for XXXX. Keep in mind the payment amount due was XXXX! They contacted us on XX/XX/XXXX and wanted to know when we were going to make our payment of {$64.00} due on XX/XX/XXXX!!! The caller stated there was a past due amount and a {$25.00} late fee had been accessed. 
How can a late fee be accessed and a past due amount on a negative {$4.00} balance? Im confused!! Again today, XX/XX/XXXX, we received a phone call from SLS about the past due amount of as the caller stated {$4.00}. She failed to mention or notice it was negative {$4.00}!!! We were going to pay the penalty of {$500.00} to close this early due to the way SLS has handled the entire transfer over the last 3 months. Now, we should not have to pay the penalty, due to the repeated phone calls about a NEGATIVE payment due of {$4.00}!! The account is being closed and paid off because of the failure of SLS to conduct business with integrity.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax placed an extended fraud alert on my credit report without my permission. 

I " NEVER '' made the request for them to do so, I " NEVER : sent them a police report or any other document ( s ) stating that I was a victim of Identity theft or credit fraud. 

This is an on-going issue with Equifax! 

The last time it happen was in XX/XX/2020, and I was told by and Equifax rep that Experian told them to do it. 

These behaviors are unacceptable and i demand something be done!.
Consumer complaint received 2021-03-31
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: Experian Information Solutions Inc. (FL)

A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (CA)

I declared bankruptcy inXX/XX/XXXX. I just saw on my credit report that First Progress credit card is reporting on XX/XX/XXXX the card usage is 64 % and the balance is {$190.00}. This just appeared now and my credit score plummeted by 60 points. I don't understand how this could be, how a closed card can show usage. I called them and the rude operator kept telling me to contact my bankruptcy lawyer. I don't even remember who they were.
Consumer complaint received 2021-04-03
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: EQUIFAX, INC. (CA)

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX  - Acct # XXXXAmt  {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}
Consumer complaint received 2021-04-03
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)

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXXAmt {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

XX/XX/2020 I sent notarized documentation to both Experian and XXXX  credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and Experian and XXXX  keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.
Consumer complaint received 2021-04-03
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: Experian Information Solutions Inc. (CA)

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXX {$7400.00} XXXX/XXXX  - Acct # XXXX {$2500.00} XXXX XXXX XXXX - Acct # XXXX {$810.00}
Consumer complaint received 2021-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I got a loan with the company name Oportun. In XX/XX/XXXX. I made my payment I was able to gather the money in XX/XX/XXXX to pay the rest of the loan. I called made the last payment received a confirmation via email which I have proof. I also received a letter from them dated XX/XX/XXXX that my account was successfully paid in full. Now, as of today XXXX, XXXX, XXXX I received a call from Oportun stating I owe the company an extra XXXX dollars in interest because lack of pay. That my payment was bounce back and earn interest and now I owe them more money. Based on my confirmation letters and email I was sure I did not owe any more money. 
I try negotiating that I will definitely pay the amount owe at the time we agreed but I will not pay the interest due to their mistake. They want to force me to pay interest on the loan I was given confirmation that it was paid off. I need help on be clear on my rights and laws. This company has several complaints against them for this type of issues. Where they try to come back and charge more money.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This issue occurred today, XX/XX/2021. 

I am unable to obtain a bank statement for a single account while holding multiple accounts with Capital One 360. This functionality appears to be available on the bank 's website but is not working. 

I called the bank to obtain the necessary statement - showing the single account without information for other accounts at Capital One. I spoke first to XXXX, employee ID XXXX, followed by XXXX, a supervisor and part of Capital One Management Team, employee ID XXXX. 

I was informed that Capital One has discontinued providing statement for individual accounts and that there is no way to obtain such a document. I expressed my concerns over the privacy of my financial information in having to share data for multiple accounts rather than a single account with another financial institution in response to a request. 

XXXX indicated ( 1 ) that other customers had expressed concern over the inability to obtain statement showing data for only one account and ( 2 ) Capital One had no intention of considering these concerns or providing the necessary statement. I was informed that there was no one else at Capital One that I could speak with in attempt to remedy the issue. Eventually XXXX enter a customer support request which he was insistent would take 20 days to receive a response, could not be expedited, and would not result in obtaining the necessary statement for my account. 

In holding multiple accounts with this institution, I am left with the undesirable options to either compromise my financial privacy by providing data for unrelated accounts or not provide the necessary financial records to qualify for a mortgage. 

Financial institutions should be mandated to provide clients with separate statements for each account they hold with the institution upon request.