davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

This involves a student loan. Navient changed my fixed interest loan to a variable interest loan ( on loans XX/XX/XXXX and XX/XX/XXXX ). The interest rate has increased from 0.001 % to 10.750 %. This occurred immediately after I paid off one of my loans. I was charged for the month of XX/XX/XXXX a total of {$73.00} in interest. 

I called the number on Navient 's web page ( XX/XX/XXXX ) and was transferred to XXXX. The operator indicated that she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website '' but that my " collector did. '' She also indicated that I " shouldn't rely '' on what's on Navient 's website and that it " wasn't up to date. '' Since the website shows my monthly payments, how much I must pay each month, and my payment history, this advice is XXXX. 

The operator then transferred me to XXXX XXXX where XXXX XXXX said she " didn't see '' the 10.750 % rate and had " no control over what Navient has on its website. '' When I indicated that the previous person claimed XXXX could correct the problem, she denied this and then berated me for being in debt -- in spite of the fact that I have been making the monthly payments as indicated on the Navient website. 

Though I did go into default during the beginning of the recent recession, I have been paying consistently on my loans since XXXX and have payed off most. I believe this is an attempt to keep me in debt in spite of my success in paying off my loans.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (WV)

On XX/XX/18 my renter ( who generally pays by money transfer ) transferred XXXX into my checking account at SunTrust Bank. However, instead of the money being deposited into my account, it was withdrawn from my account and deposited into the renter 's account, leaving me with a negative balance. I called the bank to fix this issue and they said I will have to pay a {$36.00} bounced check fee. This is the bank 's mistake and not mine. How my renter ( who has no legal access to remove money from my account ) was able to withdraw money from my account is a huge concern.
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (AZ)

Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country
Consumer complaint received 2018-11-01
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. (TX)

XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (WI)

On XX/XX/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.
Consumer complaint received 2018-10-30
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: Paypal Holdings, Inc (WA)

XX/XX/XXXX-18 Attempted on-line purchase of a dietary supplement ; vendor response : order not completed, try later. Subsequent confirmation ( {$89.00} ) to which I responded " Do not send. '' Product received. I initiated a dispute with PayPal, requesting the {$11.00} shipping be refunded in addition to the product refund. XXXX18 acknowledgment of receipt of case XXXX. I responded with submitting a UPS receipt superimposed on XXXX XXXX dated XXXX-18 that was rejected ; case decided against me. I requested the case re-opened, received confirmation of initiating a dispute XX/XX/XXXX-18. I submitted the XXXX confirmation of receipt, vendor order, and PP confirmation to what I learned is a separate non-communicating entity of PP that reimburses shipping on XX/XX/XXXX-18. Shipping reimbursement confirmation received XX/XX/XXXX-18.  The case was not re-opened, and PP is demanding I pay {$78.00} or the " debt '' will be sent to collections. Clearly, if I am reimbursed for return shipment, I sent the product back. The resolutions agent I spoke with suggested I go to XXXX where the charge had been placed originally ; the XXXX charge, however, was cancelled. It is PayPal I must deal with. I can not even re-send my receipts to them. Impossible, non communicating, arbitrary company.
Consumer complaint received 2018-09-04
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. (SC)

XX/XX/2018 I sent certified letters to XXXX XXXX  for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX  to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with Expierian and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.
Consumer complaint received 2018-09-04
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. (TX)

XXXX XXXX continuously reports inaccurate information to the credit reporting agencies that are listed on my credit report, after requesting proof of validity and verification multiple times. 
I am asking that XXXX XXXX remove this erroneous and inaccurate information from my credit reports.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

i have written this company on multiple occasions asking them to validate this debt and they have not done so, I have reached out to the credit reporting agencies with proof that this debt has not been validated even at my request with certified proof of receipt, this company is reporting that I have an account with them in the amount of a XXXX dollar credit limit which I have never signed a contract with them for any account
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc. (CA)

On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.
Consumer complaint received 2017-07-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

In XXXX 2017 I reached out to my Mortgage company in regards to an employment hardship that rendered me unable to make full payments to my mortgage company, Dovenmuehle Mortgage. I sought options to make partial payments until I was able to make the full payments. They informed me that they did not take partial payments and informed me of their Loss mitigation process. They also so gave e information about HUD approve advocacy agencies that could assist me in filling out the package.At that time I started the modification process I was 90 days ( {$2200.00} ) behind on my mortgage and I wanted to get help as soon as possible before I got severely behind. I started working with XXXX who helped me fill the paper work and I also was working with XXXX XXXX a mitigation officer at Dovenmuehle Mortgage. I was assured that while I was going thru the modification process my loan would not go in to Acceleration or foreclosure however on XXXX XXXX, 2017 I was sent a certified letter of Acceleration from my mortgage company. Its been three months and the Mortgage company has not responded to me or XXXX other than my file is be processed. I feel threatened that I may lose my home.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

In XXXX, I discovered fraudulent transactions that fully wiped out all the balance on my XXXX XXXX dollars Vanilla Visa Gift Card. I contacted InComm to dispute the transaction, and I was told by XXXX that they would initiate an investigation to recover the fund. I was subsequently informed of the reference number XXXX. In XXXX, I received a partial replacement of about XXXX dollars. I contacted InComm costumer service and they told me that not all transactions were reported as fraudulent in XXXX. I was given a new reference number of XXXX for the second report.
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2018-09-03
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. (GA)

XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.
Consumer complaint received 2018-10-31
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (MA)

I have been working with a realtor over the past several months specicialy 12 months. This realtor has done a horrible job and really did NOTHING to help me with this short sale. I totally mislead me into believing that he was actually working for me. He was never able to actually get a legitimate buyer and able to get the bank to work with us to complete the short sale. Now I have an attorney and a new realtor ; helping me get thru this process. I have an offer that I am going to accept and submit to BSI financial. I would ask that BSI stop the sale and allow me additional time to effectuate this sale and avoid foreclosure.
Consumer complaint received 2017-01-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (IL)

I got a call from XXXX. It was a recorded message saying that they were collecting a debt and they were from Credit Protection Association. They left a reference number and to call a number to make payment. 
Payment for what? I researched CPA, called their billing department. There was no answer. 
Right after a hang up. I got a call from Florida, XXXX. It was a man asking for XXXX. I can hear him typing. I said wrong number and he hung up. Ca n't be a coincidence. 
Now XXXX checked my credit yesterday, XXXX XXXX. 
Both XXXX, and CPA collect debts. But why do n't they say what debt or who are they representing? I checked my credit, and I do not owe anything. 

Please check into Credit Protection Association. They may be working with XXXX. May be the same people. 

It 's not right that they scare people like this.
Consumer complaint received 2016-03-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Convergent Resources, Inc. (NV)

I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is XXXX
Consumer complaint received 2017-07-05
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: TENET HEALTHCARE CORPORATION (FL)

Syndicated office keeps reporting accounts on my for medical bills im unaware of, I sent synicadated office systems a letter asking them to let me validate the debt because I 'm unaware of any outstanding medical bills, these show form XX/XX/XXXXand I was never notified of this debt, by law they have to provide me with information on this debt and give me time to respond and neither was done. CFBP fined syndicated office for these same things and it 's now being done to me XX/XX/XXXXthey were also violated for doing as follows As part of its debt collection business, Syndicated Office Systems regularly supplies information on the status of its medical debt collection accounts to credit reporting agencies and is considered a furnisher under the Fair Credit Reporting Act. Credit reporting agencies track a consumers credit history and other consumer transactions based on information supplied by furnishers. The reports that credit reporting agencies sell are used in determining everything from consumer eligibility for credit to employment decisions.
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Syndicated Office Systems typically initiates collection efforts through letters and telephone calls to consumers. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to alert consumers about their right to request proof that a debt is valid or dispute the debt. A CFPB investigation, however, uncovered that Syndicated Office Systems failed to send debt validation notices to thousands of consumers.
Consumer complaint received 2016-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: M.A.R.S., Inc. (OK)

I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year. 

They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in. 

At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct. 

They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns. 

I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons. 

They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns? 

They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?