davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

What is this complaint about? I just received an email on  XXXX   XXXX ,   XXXX   that I have a payment due. I did not receive correspondence fro m Navient indicating  that I had to make a payment.     : What type of problem are you having? I am still unemployed and I am uneligible for unemployment so I sent Navient an image of my unemployment account to proove that I dont have income coming.     : What happened? My  " Navient Accou nt states that I am late on and missing  XXXX  loan payments What company is this complaint about? The complaint is a bout Navient Wh o are the people involved?  XXXX   XXXX  an d Navient I w ould like all deragatory information removed from my account. Why doe s Navient have the nerve to mess up my credit report by sending me a late notice about my account and second I am not working.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (AZ)

Chase Auto Loan Account Number XXXX had a listed balance of {$930.00} as of XX/XX/XXXX on a loan that matured onXX/XX/XXXX which should have been the last payment. The payoff quotes stated projected payoffs of {$1200.00} if payoff was done on XX/XX/XXXX,  and a separate payoff of {$1200.00} if paid off on XX/XX/XXXX <P/>The loan was created at the dealership with a {$320.00} monthly payment but a calculated amortization shows payment of {$320.00} a month. A request was done to Chase Auto Finance on 6 different occasions to get a copy of an official Amortization Schedule to confirm the calculations of the payment and interest allocation over the life of the loan. Each copy received had {$0.00} in each row and column for Principal, Interest and Balance.
<P/>
I have contacted Chase to settle to correct balance contingent on a Amortization Schedule. They have since sent the account balance to a collection agency who attempted to settle the balance but unwilling to correct the 3 lates on my credit report. <P/>I believe it is Chase 's responsibility to validate the debt they say I owe. I made all 60 payments on my loan and should not have an outstanding balance of over {$900.00}. Payment history will show that even on later payments I paid more than the minimum as well as payments that were on time.
Consumer complaint received 2017-11-04
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. (IL)

I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal
Law.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Well, I just filed a complaint recently about Bank of America. Well we got a letter from XXXX XXXX My husband did call her she apologized etc. Well she said she needed more time to look into this she told my husband she would call him Wed,XX/XX/XXXX She said between 2 and 3 yes he carved out a time at work and waited for a call, guess what, no phone call We get a letter Friday XX/XX/XXXX " apologizing '' saying she needed more time. First of all a poor way to do business That is like I make an appointment and do n't show up and then send a letter or a email 2 days later. Poor customer service. Mean while my husband went to to the local bank of american and spoke to the manager and he agreed, he could n't get away with sending a letter saying he missed an appointment. Meanwhile she claimed in her notes she called, todayXX/XX/XXXX She did n't call and if she did no voice mail.She promises to call but does not. Bank of america seems to be known for lying. My husband had his phone on all day. Meanwhile we still got 2 different payments and nobody can answer our questions. One payment is XXXX and XXXX I can praise the bank manager XXXX nice guy, If we honestly do n't hear soon from bank of america mortgage, our next trip is to XXXX NC to the main bank. <P/>I will keep on complaining and complaining until someone answers our questions. We are tired of promises they do not keep. Poor customer service.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I would deposit large sums of my paycheck into this account to save money for future bills or purchases and also as an emergency fund. Nobody was on the account or authorized to access this account. It was in my name only and until an employee,  XXXX   XXXX , while working as an employee of  TD Bank had given my account information and balances to my wife which caused me to get kicked out of the house and divorced. This has caused all sorts of financial and emotional turmoil. I contacted the bank and filed a grievance. An investigator  called me from the bank to take down my statement. I have not heard from the bank since, but have learned that the employee was fired over it.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.
Consumer complaint received 2017-04-26
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 submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.
Consumer complaint received 2017-04-26
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: JPMORGAN CHASE & CO. (IN)

I am writing to your agency in hopes you can help me with some charges on m y Chase Card  previously disputed with you guys. I would like to know the status of the disputes. I am  XXXX  and I do not own a computer, no electricity or internet and I am not computer literate . Communication is k ind of difficult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for online services, meanwhile I told them I didnt own a computer, they said it wouldnt be a problem they would do all the work for me, and they did disappeared after, I tried to contact them many times to see what was going on, and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disputed with Chase were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY   XXXX , XXXX . I   had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On  XXXX   XXXX ,  XXXX  a family member purchased a first Bank  Bond  from the  XXXX   XXXX  Bank. The bond type is  a Bonus Grow Bond and they accepted for deposit the sum of {$500.00} with a 7.5 % interest rate as evidenced by the bank bond issued by t he  XXXX  Branch #  XXXX .     On  XXXX   XXXX ,  XXXX  my mother went to the bank to check the vaule of the bond and found it to be worth {$1100.00}. It is an automatic renewal bond. Sometime after  XXXX ,  XXXX  Bank was purchased by Bank of America. I have tried numerous times to contact BOA and have the bond cashed out but they say they can not find any information on this bond. the physically had the bond in thier possession at the BOA branch located in  XXXX   XXXX , SC and said they do n't know what to do with it. I have researched the sale of  XXXX  t o BOA and know that BOA, at the time of the purchase, assumed all liabilities and accounts. I want my bond cashed out, however they have refused to do so saying they have no record of it because its been longer than 7 y ears ago.
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (WA)

I received a notice from  XXXX  that I had activity on my credit report. Upon accessing the  expirian   site and viewing my report I saw  XXXX  discrepancies but do not know if they are related.   The first issue is a hard credit inquiry from  XXXX  on  XXXX / XXXX / 17 . I did not authorize this and I am currently not seeking credit of any kind. The  Experian  site did not give means for addressing this and did not give contact other than a  XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with   experian   and I need to have that address disputed with the other creditors as well.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

This complaint is related to a previously filed complaint against U  SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue.
I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am   unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since  XXXX  and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them  XXXX  options.      1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile.      These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to.     This problem is now causing  XXXX  other issues that have the potential to cost me a lot of money. I am in the middle of a   XXXX   tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are  XXXX  payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on   XXXX   XXXX   XXXX    USAA  shows a payment in the amount of {$100.00} coming from my account, yet only  XXXX  was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit.     I spoke with  USAA  in late  XXXX  and early   XXXX   and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over  XXXX  pages of statements for only  XXXX  account - and that only went back to  XXXX   XXXX  - a full 7 years less than what I was promised on the phone.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied  Citi Hilton H  Hono rs visa c redit card by online from  XXXX  on   XXXX   XXXX   and Citibank  accepted my online application, and send me visa card #    XXXX  ending, only reason i applied they offered  XXXX  points promotion online ; earn  XXXX   XXXX   XXXX  honors bonus point, after making $  XXXX  in purchases the first 3 months of account opening, so i already spent $  XXXX  then i asked my promotion points from Citibank, but they denied several times, i called them several times, i faxed their promotion offer copy which i printed from Citibank web page  XXXX  and i mailed either, so far i can not get  XXXX  points.   they manipulate the customers and they lie about online marketing  XXXX  points normally cost $  XXXX  cash value, please help me get my points as they promised on their online offer, i have Citibank web pag  e print i can send you if you need it.
This is a online marketing manipulating & corruption from Citibank.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (CT)

Mid   XXXX  - I applied for a refinance loan throug h TD Ban k. My original mortgage was through   XXXX   XXXX  . At the initial application m y Homeoweners insura nce was through  XXXX  with a  XXXX  policy effective date.     During the closing process, I was able to get a cheaper rate through  XXXX   XXXX   XXXX  .      XXXX  I paid  XXXX   XXXX . in full with an effective date of  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I emailed TD bank and notified them of the change and provided receipt of Payment. Also, asked them to update the closing documents as no escrow accrual was needed since new policy was paid in full.     -- -- -Original Message -- -- - From :  XXXX   XXXX   XXXX   XXXX   XXXX    Sent : Tuesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   To : 'Jeffcoat  XXXX   XXXX   XXXX   XXXX  Cc :  XXXX  XXXX  XXXX  ;  XXXX  XXXX  XXXX  Subject :  XXXX  :  XXXX  Payment Receipt For  XXXX   XXXX  Hi  XXXX   ,  Please see the receipt of Payment on my homeowners, please let me know if you need any additional information.        XXXX / XXXX / XXXX  - Closing date. Closing document reflected a 5 month escrow at {$580.00}. I questioned this with the lawyer and he said  TD w ould notice this and refund the amount that was over escrowed at closing.      XXXX / XXXX / XXXX  - I asked TD to look into the insurance escrow - No response.      XXXX / XXXX / XXXX  - TD informed me the escrow was only looked at annually and I would need to wait a year to get my money back.     Original Message -- -- - From :  XXXX ,  XXXX  F [ mailto :  XXXX  XXXX  XXXX   XXXX  Sent : Wednesday,  XXXX   XXXX ,  XXXX   XXXX   XXXX  To :  XXXX ,  XXXX   XXXX   ;   XXXX ,  XXXX   XXXX  Subj ect : RE  :  XXXX  Payment Receipt For  XXXX   XXXX  I will let the closing manager know to reach out to you to discuss. They do not refund money out of the escrow account. Only the servicing department does that and they only consider these requests on yearly basis. Thanks.      XXXX   XXXX   XXXX   | Lending Team Manager  | Retail Credit and Loan Originations Mailstop :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  T :  XXXX  | F :  XXXX  NMLS ID #  XXXX   TD Ban k  , America 's Most Convenient Bank
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. 

I paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). 

The confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an " Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. 

Presumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. 

I searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. 

The other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am filing a formal complaint against XXXX XXXX, XXXX due to their inaccurate reporting of an account I noticed on my credit report on XX/XX/2024, and the failure of XXXX XXXX to provide proper notification of any account transfer, sale, or name change as required by law. This issue has caused significant harm to my credit scorXXXX and created confusion regarding where I should be making payments. The last time I paid for a credit report was in XX/XX/2024 when a company by the name of XXXX XXXX XXXX was reporting to Experian, and that information was inaccurate. The company that I make payments to is XXXX XXXX as it is documented on my bank statements. 

Details of the Complaint : 1. Inaccurate Reporting : A company named XXXX XXXX XXXX XXXX has appeared on my credit report, yet I have no prior dealings with this company. I have been making payments to a different company, and no valid documentation has been provided to me regarding any sale, transfer, or assignment of this loan. 
XXXX. Failure to Provide Proper Notification : Under 15 USC 1641 ( g ) of the Truth in Lending Act ( TILA ), a creditor is required to notify the borrower in writing within 30 days when a loan is sold, transferred, or assigned. I have not received any such notification from XXXX XXXX, XXXX or any other party. 
XXXX. Failure to Notify of Servicing Transfer : If the servicing of the loan has been transferred, under the Real Estate Settlement Procedures Act ( RESPA ), both the previous and new servicer are required to notify me in writing of this transfer. I have not received any notice about the change of servicing rights. 
XXXX. Inaccurate Credit Reporting : Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure maximum possible accuracy in reporting. The information provided by XXXX XXXX, XXXX is inaccurate and unverifiable, as I have not been informed of any change to my account and continue making payments to the previous servicer.