davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient.
Consumer complaint received 2017-10-17
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: CITIBANK, N.A. (GA)

CitiMortgage is still reporting a 30 day late payment from me on both XXXX XXXX and XXXX from XX/XX/XXXX. This delinquent payment occurred 15 years & 8 months ago. CitiMortgage has been asked by XXXX XXXX on my behalf to remove this ancient information from both agencies. They are refusing to do so stating that it will not be removed until XX/XX/XXXX ( which is one month shy of 16 years ). They  are well past the statute of limitations for negatively reporting this credit issue against me.
Consumer complaint received 2017-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America credit card has failed to uphold its commitment to protect its users against fraudulent merchants. 

Back in XXXX, XXXX, a fraudulent charge of {$220.00} was made by a XXXX called XXXX. I disputed it and its been 6 months now and Bank of America has done nothing. I have tried to follow up. Nothing. I did not receive any confirmation of my dispute and no formal notice of conclusion, even though they had once claimed the dispute was still being processes. 

Today again, I tried calling again and gave up after XXXX minutes on hold. I need my {$220.00} back from this fraudulent XXXX and Bank of America has failed to protect its users. Im closing down my Bank of America card.
Consumer complaint received 2019-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

My wife passed in XX/XX/XXXX.. Her credit debts were sent to the home for pmt and I notified them of her passing and sent a copy of the death certificate. All of the debts were that of my wife ; I never signed an application for joint access. Subsequently, EVERY company has shifted the debt to my name as though I am responsible although I told them I knew nothing of these. I submitted an investigation on XX/XX/XXXX to XXXX to dispute these and have them removed. In addition, XXXX is reporting me deceased which prevents me from applying for any new credit ie a home equity line. Two months have passed, no corrections have been made. Debts reported as of XX/XX/XXXX/not mine are as follows : XXXX  {$2400.00}, Capital one XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, dpt ed/XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, in summary 12 revol debts at XXXX total, 2 installments at XXXX
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am locked out of my Transunion online account. I want to change my PIN # because of the XXXX XXXX Breach.  ( I am worried that the hacker has my PIN number to all 3 bureaus! So I want to change them, much the same way we would change our passwords. ) When I call Transunion, I get transferred again and again ... this after I explain what I need to each one of them. I have spoken with 6 different individuals, but no one can help me. One very  knowledgeable gentleman said that there are multiple accounts open in my name, and that Is the reason I am unable to logon. He said that only Transunion can clean up the mess so that I can logon and change my PIN number. But he needed to transfer me to another department. After another hold, a female answered, and I told her the issue. But she said that she could n't help me. She said I must have the wrong department! Really??? She transferred me back to a number where I started! lease help me. This should be simple to fix, but they do n't know seem to know what they are doing or where they are transferring me. I 've spent enormous time on this effort, and I have a full-time job and can not keep doing this. Please help me. If they ca n't figure out how to clean up my accounts and merge them into one, can they change my PIN so that I have some security post the XXXX  breach. That 's all I want!! Thank you!
Consumer complaint received 2017-11-19
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. (CA)

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. One from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.
Consumer complaint received 2017-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (GA)

The problem is with a U.S. Bank Gift Card purchased at XXXX. XXXX, the named agent on the card, has stolen {$12.00}. A purchase for {$12.00} was made on XXXX19. Upon checking the card balance online, the {$12.00} charge was accompanied by another " Pending '' transaction for the same amount from the same company on the same date. I called the XXXX phone number listed on the card and reported the problem. I was told the duplicate charge could not be removed. I was told it was clearly a duplicate transaction and would come off of the card within 48 hours. This phone call was made on XX/XX/XXXX. I checked the card balance today and the disputed amount now shows up as a charge on XX/XX/XXXX. 

XXXX said I have to dispute the charge and it takes up to 240 days to resolve. Meanwhile, as I was talking to them, my online statement was taken down! After pointless conversations with a XXXX agent and then supervisor, it is apparent the money has been stolen and XXXX is going to give me the runaround until I get tired and give up. 

After too much time it became obvious that this duplicate charge was no accident and was not going to be restored. I believe XXXX is DISHONEST and has stolen these funds. STAY AWAY FROM VISA GIFT CARDS, XXXX AND U.S. BANK GIFT CARD!!!!
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.
Consumer complaint received 2017-10-19
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. (MA)

XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XX/XX/XXXX) XX/XX/XXXX, ( XX/XX/XXXX ) Reporting 30 days late ( Account Never Late )
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have requested one credit line increase on XX/XX/XXXX and I was denied a credit line increase. I requested a credit line increase back in XX/XX/XXXX and was declined after making all my payments on time. I believe this company has abuse it power by this form of action. I am filing this complaint again this company so consumers are aware of company pratices.
Consumer complaint received 2019-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (FL)

I applied for financing online ansd I was approved through American First Finance to purchase furniture, I was approved for up to XXXX. However, I purchase for XXXX. I requested a contract and was emailed one that is a rent to own agreement that stated total cost of XXXX. I decide to return the rental property. However, American First Finance said they do not want it back. I just want to return their rental property as I they don't want to take it back.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ID)

CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!
Consumer complaint received 2018-05-31
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. (MA)

Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!
Consumer complaint received 2017-12-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (WA)

A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student  loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (AZ)

I paid off my vehicle loan as of XX/XX/XXXX. I received a letter the beginning of XX/XX/XXXX stating I could possibly have a GAP refund due. I contacted Ally it find out the details beginning of XX/XX/XXXX, at that time the representative did inform me there was a refund due however they were unable to provide me with the details on the amount but I should be receiving the refund within 45 days from payoff. After not receiving any refund via mail I contact Ally on XX/XX/XXXX, upon speaking with a representative she informed me the refund was mailed out XX/XX/XXXX & if for any reason I have not received payment within 2 week to give them a call back. As of XX/XX/XXXX I still had not received my refund due, I called Ally to inform them & was told I need to wait until the following Monday to request the check to be reissued. On Monday XX/XX/XXXX I contact Ally to request the refund check to be reissued, the representative advise me at that time that it would take a 2-3 days for my request to process & the check to be mailed out. At that time I request additional information on the prior check to be sent via mail or email to me for documentation. I have several issues prior with mis information so I documentation. As of today XX/XX/XXXX I have yet to receive any detail on the prior check mailed out & have yet to receive my refund. I reach out to Ally who informed me that my refund has not been reissued but couldnt provide me a reason as to why.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.