davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OR)

I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Report Bureaus ( XXXX, XXXX, Transunion ) has decided that as of XX/XX/2016 that student loans from the Department of Education, should be reported in a way that negatively affects consumers that are under the IBR plan, PAYE, REPAYE, ICR.. As it is known our government has made efforts to facilitate low income citizens to be able to repay their loans. As we all know All Student Loans accrue compounding interest. For re-payers that falls into the above repayment agreements with the Department of Education, the original loan amount, will be lower than the current balance ( this could potentially change only if the holder of the note experiences a leap change in their financial situation ). 
The decision of Transunion, XXXX and XXXX to impose ( servicers like XXXX XXXX, etc.. ), to report " High Limits '' lower than the " Balance Amount '', impacted that my credit score - and I assure others as well- to decrease credit scores to a mounting XXXX to XXXX credit points. 
This means that lower income Americans are doubled affected by the decision made by this private institutions. The effect is represented as " overuse of credit '', " credit decrease '', " percentage of credit use '', that DOES eliminate opportunities for Americans to stay ahead of the most basic financial situation, like obtaining appropriate rent agreements, or car loan with affordable interest rates, car insurance, etc. In other words, for those that even graduating, with the expectation of achieving the " American Dream '', and fell into the cracks of the longer recession ever in the country, where not appropriate and decent paying jobs are available, their future is even more uncertain. 
My main question is : How is it possible that private institutions will diminish the effort of the Department of Education to help lower income payers? How could they get away with such abusive measurement? 
Let make myself clear, I am not arguing the fact that reporting should not happened, I think payments amounts, terms and late payments if any and so forth are " ok ''. That falls into the personal responsibility of the loan holder. But if even the holders of the student loans take the effort to not be in default with the Department of Education by enrolling in this other programs, why are they punished by PRIVATE organizations? 
I am speaking on behalf of myself and for the others that may have not realized yet the impact of this decision. 
I possess all proves of my complaint. I do not only demand a personal answer but a public acknowledgment of this issue. I will be willing to share my experience at a Congressional Hearing as well as I would like the CEO 's of these XXXX private credit reporting " agencies '' to provide a solution to their decision. 
I could be reached at XXXX, XXXX XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/23 at XXXX ( PST ) our company, XXXX XXXX , sent a same-day domestic wire of {$26000.00} to our Business Checking account at JPMorgan Chase, these funds were from our invoice factoring company XXXX XXXX and the wire was sent from their account at XXXX XXXX XXXX . After the funds were not received by about XXXX I began making inquiries with XXXX XXXX to confirm the wire had been sent as well as Chase to make sure it was received. XXXX was able to confirm the wire details and provided written confirmation with a XXXX XXXX #, however Chase at first claimed to have not received the funds, then only after being provided with the proof from XXXX XXXX XXXX did they admit they had indeed received the funds, but the wire was being put into review while further information had been requested from the issuing bank. I asked what information was requested so we could followup and confirm with XXXX XXXX that the information was complete but we were told it was confidential bank information and couldn't be shared. I spent XXXX hours on the phone with various departments until I was told there was nobody else that could help and to call back the following day, despite the pleas from us that the delay of these funds would cause our company extreme harm as our fleet insurance payment was pending to be covered by this wire. 
Chase made no honest attempt at resolving this issue in due time and their lack of serious attention to this matter may have caused our company to be at risk of closure. As of XXXX tonight, XX/XX/23, the funds remain in review and we continue to suffer the financial consequences of Chase ' terrible customer service and questionable banking practices. I attempted to escalate this to their Executive Leadership Team and was told they only respond via a CFPB complaint, which I'm more than happy to log against them. This is bordering on theft at this point and I want a serious investigation as to what Chase is doing with customer funds while they supposedly " review '' these transactions, because if these funds are sitting in anything other than a trust or escrow account then I believe they're doing something potentially illegal or outside of regulatory rules for use of customer funds.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted a letter dated XXXX/XXXX/2016 from XXXX XXXX Bank. They state in the letter that on XXXX XXXX that they had removed foreclosure started from my credit report.They state on XXXX/XXXX/2016 they notified Trans Union Credit Company to remove this on-going report.They apologized for the inconvenience. The letter was signed by XXXX XXXX EXECUTIVE RESOLUTION SPECIALIST XXXX XXXX. She is available Mon, Tues, Thurs, Friday XXXX-XXXX Central time. She is the only person dealing with this. Document/Verification is at CFPB
Consumer complaint received 2017-02-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XXXX of 2014 I took out a loan with Capital One Auto Financial in the amount of {$28000.00} for an auto loan. I came into XXXX XXXX to purchase a vehicle because I had gotten several pieces of mail saying I was pre approved for a loan up to {$30000.00} from Capital one. I am a XXXX and had a fico score of XXXX at that time. The interest rate I was given was 21.74 % and the dealer told me that i had to purchase a warranty for {$2200.00} to qualify although I was presented with a paper to sign saying that I did not. Along the term of this loan I have had two instances where i was approved for due date changes that I did not receive and cause me to have late payments on my credit history. Also I was told over the phone that I was approved for an extension and did not receive that either and caused my payments to pile up. I feel that here it is three years later and I still owe {$23000.00} of the initial {$28000.00} I have borrowed with almost three years of payments of {$710.00} and still have three more years to go. This loan was predatory and I feel that I was taken advantage of. I could not refinance because I 'm so upside down and have no hopes of trading it in either. Now I 'm behind in payments and I am just at my wit 's end and really need your help. Thank You.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Hello! 
I recently resubmitted my income verification for XXXX, which I have been using for years. Navient responded and said I was ineligible for XXXX because I have a PLUS loan -- -but I have been doing XXXX for years. I have submitted several complaints over several weeks to Navient and I have not heard back. If they do not make the correct changes, I will be billed over {$1000.00} in monthly payments. 

Thank you for your help!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was informed that Trans Union had information on my credit report deleted. This information was inquiries. As to date, these inquiries are listed, therefore, Trans Union had this information re-listed on my credit report without any contact information to myself. This is a violation and, in return, these inquiries should be deleted off of my credit report on Trans Unions behalf. 

In accordance to these standards of the Fair Credit Reporting Act, Trans Union violated these standards and in effort, should have those such inquiries removed. 

Under the Fair Credit Reporting Act, Section 611, ( A ) ( 5 ) ( B ) : Requirements Relating to Reinsertion of Previously Deleted Material : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (MD)

This morning, XXXX/XXXX/2016 at XXXX XXXX., I received a recorded message on my answering machine. It said they were calling to speak to a man who is actually my neighbor. The message said that if I were not this person, I had to call their number and tell them they had the wrong person and wrong number. I did so, and they were courteous. 
I do not think it is proper for a collection agency to call someone cold, without ascertaining that the number they have belongs to the person they are trying to reach, and then to require the innocent person to call them to correct their error. I also think it is against the Fair Debt Collection Practices Act to call a neighbor about the debt of a person. 
I am complaining because I think their process is completely intrusive, burdensome, and mistaken. They should not be allowed to make calls like this.
Consumer complaint received 2016-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (LA)

Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. 
I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. 
Therefore, I should n't be charged or harassed for funds on my account.
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We obtained a mortgage from Bank of America to purchase our home. We repeatedly informed them that we do not want an impound account and did not sign any paper consenting to an impound account, and yet, an impound account was imposed without our permission at closing. We made numerous phone calls to Bank of America to remove the impound account, and our requests were ignored. Each time we called, we were reassured by different representatives that the impound account would be removed, but nothing happens.
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please view case # XXXX from the CFPB database and you will see I have attempted to get this debt " validated '' and not " verified ''. However, NO supporting documents have been provided. Also, I have attached supporting letters to mailed to the XXXX on XX/XX/2016. Please provide supporting documents for this debt or delete off my credit profile. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have called Transunion credit agency and asked why is my credit score so much lower than the XXXX other agencies. I was explained to by a Transunion Rep " that they are allowed to use a different scoring system than XXXX or XXXX ''. Transunion credit score is always lower therefore causing me to pay more for items I chose to purchase. 
Why is Transunion allowed to score much lower and different? Most creditors use Transunion for credit in my dealing. I asked if I could close my file with them the Rep said no. I paid over XXXX for my credit score back in XXXX 2016. I have not receive it.
Consumer complaint received 2016-11-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had my Bank of America XXXX card denied at XXXX websites. 
So I tried to call BOA 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion had an item submitted by XXXX XXXX suppressed from reporting on my credit report until XXXX XXXX updated the information. I was not notified as to why this information was suppressed. I just happened to review my credit report and saw the information from XXXX XXXX was suppressed pending update. However, as of today, XXXX/XXXX/16, the information for XXXX XXXX was back on my credit report. If XXXX XXXX did not update the information in the specified timeframe should the tradeline be removed from my credit report?
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX