davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

My regular payment amount is {$68.00}. I always make my payment on time, and generally pay 1-2 weeks prior to the due date. For example, my due date is the XXXX of every month, and I typically pay around the XXXX of the prior month. In XX/XX/XXXX, I had already made my full payment due on XX/XX/XXXX. I knew my expected paychecks and other expenses coming up in XXXX, and wanted to make my XXXX payment early so I would not owe it later. On XX/XX/XXXX, I made another full payment and expected it to count for my next payment due on XX/XX/XXXX, so I was about 3 weeks early. However, upon talking with company representatives and a supervisor, I was informed of the limitations built into their system which caused my loan to mistakenly appear delinquent. The payment I made on XX/XX/XXXX was applied to the prior month 's payment ( due on XX/XX/XXXX, even though it was already paid ), so when I did not make another payment until mid-XXXX ( for my payment due XX/XX/XXXX ), I was informed that I was >15 days delinquent because I had not yet made my payment for XX/XX/XXXX. After talking the company representatives, my fees were reversed and payments fixed. I was informed that their system would consistently process payments incorrectly if they were paid too early. I was told that I should not make payments prior to the XXXX of the preceding month ( ex. I should not make my payment due XX/XX/XXXX prior to XX/XX/XXXX ). I thought this would be the end of my problems ... 
I continued to make payments AFTER the XXXX of each month with no issues until I received a second incorrect delinquency notice on XX/XX/XXXX. After a lengthy phone call with a representative and their supervisor, I was informed that they accidentally debited my account for {$200.00}, because someone else " accidentally made a payment on my account. '' Apparently, one day they credited my account {$200.00} and removed {$200.00} realizing it was incorrect. They then did NOT apply the payment I actually made of {$100.00} in XX/XX/XXXX ( wanting to pay down a little extra principal ). My {$100.00} payment was misapplied and only covered principal and no interest, and subsequently did not count towards my normal monthly payment. So when it came XX/XX/XXXX, I was delinquent because my payment once again was not applied correctly to my account. This time I received a notice stating I owed {$270.00} ( my {$68.00} monthly payment + {$200.00} past due + {$5.00} late fee ). The auditors and regulators of XXXX XXXX, and their parent company XXXX XXXX XXXX need to require the company to address the systemic issues with their loan servicing platform, which has proved in my case twice, that they are unable to process payments correctly and correctly apply them to principal and interest. I have now received 2 separate delinquent notices in the past 9 months, both due to systemic errors. Completely unacceptable and is causing consumer harm.
Consumer complaint received 2018-08-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I attended XXXX college from XXXX to XXXX. however, the college was a for-profit company and loan from Navient XXXX college misled me. They made me believe the school was accredited. They made me believe I was going to be placed in a job in my field of XXXX XXXX. they had tv commercials saying I would have a job in the XXXX XXXX field. but the truth is that the school is not accredited and after I graduated I was left alone with no job. 
They forced me to take out federal and private loans throw Sali mae ( navient company ). 
The navient company was taking out loans from me to support a fraudulent company like XXXX College I had a lot of financial hardship since i started school there. Thinking I was going to have a job after was my motivation. Since XXXX I had lost my apartment, lost my car, my kids did not have enough medical assistance at one point, my wife devoiced me, I was XXXX for three year. I had to see a XXXX because of all of this. Because of the loans from navient company.
Consumer complaint received 2020-05-28
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)

I was trying to buy a car at XXXX and when they ran my credit to see if I qualified to finance through them, I was told that they could not approve me because there were one or more accounts in negative standing on my report. I looked through my credit report because I thought I didn't have any bad accounts on my credit but I saw about eight accounts on my credit report with negative payment history ; I wasn't aware of these accounts before today XX/XX/20 because none of them are mine. I didn't open any of those accounts and I did not allow anyone to open them in my name. I do not have any written or verbal contract with any of the companies I listed nor did I benefit anything from those accounts such as money, goods, services or anything else and I did not make payments towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM EXPERIAN AND XXXX. XXXX  REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX  XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENED-XX/XX/XXXX

XXXX XXXX$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX XXXX
XX/XX/XXXX
Consumer complaint received 2020-05-28
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. (CA)

Transunion is not allowing me to access their website I get an error message even though all of my information is correct, I am trying to get information from them, I called the agency I was put on the phone with two separate people who both gave me different information about my account. I am not able to get accurate information from the agency.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MD)

ACCOUNT RESOLUTION CORPO trying to collect {$980.00} for XXXX XXXX XXXX, the original creditor. 

XXXX XXXX XXXX claims they performed services at a specified date. They never contacted me or sent me a bill. I only heard from the collection agency, ACCOUNT RESOLUTION CORPO When I contacted XXXX XXXX XXXX, they could NOT provide me a bill to review. 
This has damaged my perfect credit report. If they had contact me, same address and phone number for over 5 years, I could have resolved it without damaging my credit. 
Please help remove this from my credit report. 

Collection Agency ACCOUNT RESOLUTION CORPO I have no information from original creditor, XXXX  XXXX XXXX. 

Thanks.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Monday XX/XX/2018 about XXXX I drove to the Bank of America located on XXXX XXXX XXXX nc to make a deposit of {$2700.00} into the ATM that is closest to the building ( ATM ID IS XXXX ). I proceeded as normal to insert my debit card into the machine and pressed the required buttons to make a deposit, as the screen reads please insert cash now I inserted a mixture of {$100.00} bills and XXXX that were equivalent to {$2700.00}, The machine abnormally took a long time and I pressed cancel, two {$20.00} bills came out the ATM and also my debit card was kicked back out the machine and the whole machine went back to its normal original screen saver, I patiently waited in front of the machine for five minutes to see if the money was going to be showing up on my account, it never did, they have a XXXX number on the Atm that I called but the Programing wasnt allowing me to press any options, so I sat there fresh rated for maybe 30 more minutes, I decided to call my wife to see if she can call the one XXXX number from the house phone she had the same results, The next morning XXXX XXXX to call the make of XXXX to make a dispute about the trans action, they told me it would take XXXX to XXXX business days, today XX/XX/XXXX I called and they said that the dispute was finished and they denied me my money, ill be quested for the cameras that on the ATM and they said it would be two more days
Consumer complaint received 2018-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

Our first call was on XX/XX/XXXX. They claimed not to receive the check. After following up with our insurance company we called back on XXXX. They claimed the account # wasn't on the check ( which it was ). They then said it'd take 10 days to process. We followed up on XX/XX/XXXX and got the same response. We followed up with them on XX/XX/XXXX and they said XXXX days it'd be processed. As of XX/XX/XXXX the payment still hasn't been processed.
Consumer complaint received 2018-07-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

Back in the middle of XX/XX/2018 I finish selling my home in XXXX XXXX California are Title Company advise me that after I received all my disbursements that I was to refund them back {$1500.00} to be used for County fees.. they told me they would return me the funds wants the county send them a duplicate payment.. it is now almost XXXX and I still have not received those {$1500.00} that were promised that would be returned to me
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

Card was opened sometime in 2014 later found out there was an individual in Colorado that had a fake copy if my SS card and a do with my name .This account was opened along with many others.I already sent this company a copy of policy report and proof of residency .I live in Texas.do NOT live I Colorado   or who where accounts were opened.already sent this company proof of residency for 4 years a year ago.this is hurting my credit.this is their fault.i was a victim of Id theft. My ss # ends in XXXX
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

As of XXXX XXXX. I open a checking account With Wells Fargo Bank in which the account A huge deposit was made. On XX/XX/2020 I received a letter from Wells Fargo stating that they need it more information for the account like my social security number. So I had to make an appointment to go in and sit with a banker because of the covid 19 pandemic. On XX/XX/2020 Went into Wells Fargo branch met with the banker with the letter for the information requested. As the banker review my account he informed me that there were no information needed and that everything on the account was correct and he did not see why they even Sent the letter out requesting for more information. He reached out to the back office just to be for Certain That everything was correct. The back office stated that everything was correct on my account and there was no worries and to disregard the letter so the banker took a copy of my driver 's license and social security card To post to the account so there will be no discrepancies. On XX/XX/2020 my account was closed by Wells Fargo bank Without any warning no letter, no email, no phone call of any sort to inform me what was happening to my account. They just close the account and took out all of my money over a {$100000.00} and Left my account at a XXXX balance. When I call to find out what happened no one could tell me anything no explanation or reason as to what happened or even why it happened. On XX/XX/2020 I had another appointment with the banker and he could not tell me what had happened to my funds or the account. He was also the same banker that opened account. I also notice that he had put the wrong address on the account.I don't know how he couldve done that when I gave him my Driver 's license and social security card for the account! XXXX? So he reached out to the back office and they could not tell me what happened to the account. No one had no reason no explanation of any kind and could not even explain what had happened to my money I am completely devastated The only thing they did was apologize for this happening and say that they will mail me a check through XXXX  which did not come yet I am completely a nervous wreck I did not authorize Wells Fargo to Do any of this who mails out a check with that amount of money in it ..this is insane They didn't even have a tracking number or anything I need help with this case immediately if anyone knows where or who can help me please respond immediately. I will never bank or even suggest anyone to ensure their money with Wells Fargo again!
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the XXXX major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

The amount in dispute is {$40.00} in unauthorized charges. These are itemized as immediately follows, XX/XX/2020 - {$7.00} x 2 for tolls XX/XX/2020- {$6.00} x 2 of 3 charges for XXXX XX/XX/2020- {$9.00} forXXXX It appears that Citi May have added charges where they were supposed to have credited for the tolls and for XXXX. 

When Citibank failed to keep their promise that disputes had been resolved, as per their email of XX/XX/2020, and were unreachable by phone, I filed a complaint with the XXXX  on XX/XX/2020. They have not responded. The account is closed and paid in full. Citibank continues to show a balance for the disputed items.
Consumer complaint received 2018-07-03
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. (LA)

On XX/XX/2018 I notified Experian of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Experian submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by a third party company. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Experian claims to have verified. 
After receiving the verification from Experian, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Experian 's assertion that the public records were verified is dishonest.
Consumer complaint received 2018-08-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

My loan was sold and the servicer is Fay Servicing, 1st I was laid off XX/XX/XXXX I applied for Keep Your Home, CA which they sent the request to Fay Servicing 3 to 4 electronic submittials. I spoke with XXXX my case worker with Fay Servicing from XX/XX/XXXX through XX/XX/XXXX about where is the electronic document from Keep Your Home CA, each time he spoke they did not have a profit and loss department, finally requested a supervisor, and she provided her email with no help. Keep Your Home expressed that if Fay servicing doesn't agree and return the document it was out of their control. Finally the middle of XX/XX/XXXX, XXXX said he has the Keep Your Home document., but I already notified Keep Your Home I returned to work, therefore I would no longer qualify under their program as unemployed and was instructed to apply with Fay Servicing . I applied for assistance with Fay Servicing to get my mortgage current and I have been waiting for the response since it was submitted in XX/XX/XXXX. Yesterday XX/XX/XXXX, Mr. XXXX XXXX, my case worker for Fay Servicing said I did not qualify they would not move the 1 month behind to the back of my loan and further insulted me saying I was living beyond my means. In addition, I have other concerns regarding the handling of my loan : early this year Fay Servicing constructed to not uphold my modification : no longer were they going to pay for my homeowner insurance, ( Fay Servicing has the loan modification document ) I supplied them the HOA master policy, although this was in my original loan modification XX/XX/XXXX with the previous investor/servicier ( XXXX XXXX XXXX  ), Fay Servicing discontinued paying it. I'm currently paying it. 2nd my mortgage payment went from {$1800.00} to {$2000.00} a month Fay Servicing said there was not enough in escrow due to my property tax. There is no increase in property tax of an additional {$2600.00} a year. I explained there was no problem with escrow prior with the previous servicer. Mr. XXXX XXXX email is XXXX XXXX
Consumer complaint received 2020-05-28
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. (NY)

Navient claims in a letter dated XX/XX/XXXX that they may be able to postpone my payments if I am experiencing economic hardship. This letter also states that they are not updating the historical payment record with the credit bureaus as their position is that they did not receive payments during the months reported as past due. 

First of all, this letter I never received by mail, nor was it uploaded in the digital mailbox in the website. If it were not for the previous complaint and the company 's response including a pdf of this letter, I would not have had this reference. 
Second, had I not been steered to a repayment plan that does not address my financial needs my payments would have been postponed for up to a year ( not 60 days ). 

It is extremely discouraging and frustrating that even after my first formal complaint when I call with questions about repayment options I continue to be misinformed and steered towards a option that does not help me, but rather causes harm. As a XXXX person, I try my best to simplify transactions so as to keep me in good standing. I would not have missed any payment had the payments been postponed under a program that I so clearly qualified for and should have been given the option to over the phone. 

I can not begin to list the ways the negative reporting has and continues to affect me. Simply saying that this has been addressed and providing a copy of a letter never mailed is not a tangible solution. 
A true and meaningful way for Navient to solve this is to reach out to me via phone or email and ask me about my financial situation and correct the negative reporting. As early a XX/XX/XXXX I would have been approved for a 12 month payment suspension and clearly this would still be effective today. My XXXX benefits continue to be my only source of income since XXXX of XXXX. It does not make any sense that I would miss a payment or payments without first addressing Navient about my financial information and XXXX  XXXX/XXXX  XXXX.
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

These are part of a chapter XXXX bankruptcy and should not appear : XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} XXXX XXXX XXXX/XXXX Needs Attention Last reported : XX/XX/2018 {$0.00} On Payment Plan