davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them. 

8. I just received a response after filing a complaint, finally. I was asked to submit any example of the types of communications I was receiving from Navient before my " past-due statue ''. " Past-due statue '' is the words being used by Navient to prove there point, in there recent letter. I wish they used the same verbiage " past-due statue '' before they labeled me 90 days delinquent. Instead, I was being sent misleading Information, with verbiage like due date. I feel Navient actions at the time where very misleading and over all damaging. I have attached an example of the types of emails I was receiving at the time. Enclosed. 

Also, I did give reference to these emails in my original complaints to them, but not addressed by Navient.
Consumer complaint received 2021-02-22
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. (CA)

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-08-30
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. (CA)

XXXX XXXX is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XX/XX/XXXX - XX/XX/XXXX I was jail. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using XXXX karma. Now proceeding to the next step.
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I received multiple calls ( 5x+ ) for months on end, I finally requested proof of the alleged debt from XXXX XXXX XXXX and have in the past few months/weeks been actively sending proof that I was charged for service after the account/service had already been requested to terminate. 

On Friday, XX/XX/XXXX XXXX XXXX after a representative and I spoke with XXXX at XXXX XXXX XXXX he confirmed that the charges were for services through XX/XX/XXXX. I explained that I returned all required equipment and terminated service in XX/XX/XXXX. XXXX suggested that I dispute the charge and send confirmation, at which point I sent email confirmation to Credence showing all items were returned. 

On Monday, XX/XX/XXXX XXXX XXXX I received an email stating that they received a response back from the creditor that the charges remained valid. I replied to the email that it was not possible as I had alternate service. I was then asked to send further documentation which I did that showed I had XXXX XXXX streaming service as of XX/XX/XXXX which was paid.. 

As of today, Tuesday, XX/XX/XXXX XXXX XXXX, I received response that despite the documentation sent, the charges were due as my account was not current and I still needed to pay the balance. Beyond upset, I contacted the company and requested to speak with a manager. That manager, XXXX XXXX, escalated my call to a second manager, XXXX XXXX. I again tried to explain why the charges were invalid and also explained that I was quite annoyed by their repeated attempts and failing to understand why I did not owe this bill. Mr. XXXX ' only suggestion for making the bill and calls go away was to pay the bill as it was still owed. 

Logic is not an option here and they fail to connect the dots. Whether it is greed or a language barrier I do not know, but I do not need this stress for a bill that I clearly do not owe. Customers should not be at fault for a company 's inability to follow through and disconnect service. 

In addition to this complaint I have also filled one with the XXXX as this is beyond ridiculous.
Consumer complaint received 2021-02-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX we managed the refinancing of our vehicle, which was carried out without problem. The fact is that to date the credit bureau reflects as a balance owed twice the amount actually owed, thus doubling our debit balance, which is undoubtedly affecting us, since we are obtaining for the purchase of our home. We are urged that the credit bureau reflect the reality of the debt. We contacted Capital Chrysler who gave us the settlement and agreed to send it, but days go by and my score is not updated, which is affecting my conditions and financial viability for the credit we are looking for. I appreciate your help and attention
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX 2021 I mailed, via certified mail, return receipt requested, my standard mortgage payment to Bank of America , N.A ( " BoA '' ). ; i.e. the monthly mortgage payment of {$1600.00} and an additional principal payment of {$200.00}, for a total of {$1800.00}. The payment was due on XX/XX/2021 and postal records show the payment was delivered on XX/XX/2021. On XX/XX/2021 I received my XX/XX/2021 statement indicating that I owe current charges of {$1600.00}, past due mortgage of {$1600.00} and a late fee of {$63.00}. 

Re : BoA.Complaint No. XXXX : I contacted BoA ; spoke with XXXX XXXX, After being put on hold for approx.10 minutes, Ms XXXX informed me that Mr. XXXX XXXX stated that my mortgage payment had been applied to escrow, my additional payment toward principal and a late fee assessed. According to Ms. XXXX, he further stated that when payments arrive earlier than due date they are applied to escrow. Totally bogus explanation. I have been a BoA customer for 31 years and always paid my mortgage earlier than due date ; this never happened before. I filed a complaint but do not have any faith that BoA will timely resolve this matter.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

I opened a Coinbase account on XX/XX/2021. I bought XXXX the first day. On XX/XX/2021, I purchased more XXXX and also bought Bitcoin. I bought a total of 6 XXXX and approximately XXXX XXXX. My {$3800.00} XXXX transaction went through at XXXX XXXX XXXX time. The platform experienced massive problems on the XXXX and when I checked my account at XXXX XXXX XXXX time, I saw a duplicate and unauthorized transaction for {$3800.00} in XXXX, bringing the total amount of money invested in cryptocurrency to {$18000.00}. I thought my account had been hacked and disabled it and contacted customer service for an unauthorized transaction. Since then I have been unable to log on to my account. I receive a your account is temporarily disabled message. I also contacted customer service on XX/XX/XXXX and have not heard anything since then. And am still locked out of accessing my hard-earned money. I would like to regain access to my account so I can move it out of their exchange. 

Note : since I'm locked out o my account, I am unable to take a picture of the transactions on Coinbase 's platform.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

I checked my bank account and had {$1300.00} USD missing from my account. Remitly.com had somehow allowed a man in XXXX to access my account. I have a two step verification that uses my email and my telephone. Somehow this man accessed my account Recipient : XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX Picked up MADXXXX We have confirmed that XXXX XXXX  now has the MADXXXX you sent via Remitly.com. Your transaction is complete and we hope to see you again. 
Arrival Time XX/XX/2021 XXXX XXXX PST ( XX/XX/2021 XXXXXXXX XXXX WET ) Track Your Transfer Your debit card Remitly XXXX XXXX Recipient Done. Your recipient has picked up the transfer. XX/XX/XXXX, XXXX XXXX PST Share Remitly with your friends to earn rewards. 

Receipt Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Recipient at XXXX XXXX XXXX, Payment Details Submitted XX/XX/2021 XXXX XXXX PST Reference No. XXXX XXXX XXXX XXXX Delivery Cash Pickup Partner XXXX XXXX XXXX XXXX XXXX Currency MAD Available XX/XX/2021 XXXX XXXX PST XX/XX/2021 XXXXXXXX XXXX WET  Payment Method VISA ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1300.00} USD Net Recipient Amount MAD XXXX MAD Exchange Rate XXXX USD = XXXX MAD
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe BANK OF AMERCIA violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case BANK OF AMERCIA revoked my credit. Shown in exhibits.

I believe BANK OF AMERCIA is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, BANK OF AMERCIA did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, BANK OF AMERCIA violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe BANK OF AMERCIA is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

2ND AFFIDAVIT AND I REFUSED TO WAIT 60 DAYS AGAIN ABOUT THIS MATTER. THANK YOU.
Consumer complaint received 2021-02-23
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: Experian Information Solutions Inc. (GA)

I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and Experian that are not showing on my credit.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I would like to file a formal complaint with usaa Usaa refinanced my loan I refinanced my loan in XXXX and they forgot 2 out of the 4 parcels and all my taxes except for my school taxes on my main lot thats on the loan. 
Because they forgot my two parcels in the back I think that I am over 100 % when I refinance my house they are not willing to make things right My house payment on my contract for my refinance was supposed to be XXXX as of right now its XXXX they conned me slandered my name told me I did not provide them with all the information but that is incorrect I sent them the only taxes that I had at the time and it was my school tax for both parcels they missed they missed it and blame me the whole six months from XXXX until XXXX that it was my fault and I have to just deal with it if you need any paperwork on my loan I will immediately send it Its not just me but I feel that if they XX/XX/XXXXup my loan this bad there has to be a lot more people that are dealing with it.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MN)

On or about XX/XX/XXXX the balance was paid off on this card in excess of {$250.00} at which time Chase reflected a credit of this amount. Once this balance showed a {$0.00} amount I called Chase to close the account on the XXXX, where I was told they also showed a {$250.00} credit due to over payment. I asked how that credit would be returned and when I was satisfied with this conversation we agreed and the account was closed. On XX/XX/XXXX they issued a statement showing a {$49.00} interest charge from XX/XX/XXXX thru XX/XX/XXXX. Today I called to sort this out and there was an additional {$0.00} interest added to the on-line balance for a daily balance. I spoke with a supervisor who quoted me a bunch of policies and lines about interest dates and statement dates but wouldn't acknowledge that this happened after they accepted a full amount pay-off in excess of the quoted balance. They had the correct amount of money to pay this off ( which is what I was told when I closed the account ). It seems they feel they are due this money and continue to charge me interest, which is wrong. I do have copies of statements showing when they charged me interest after being paid off.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I received a request from Bank of America for income verification and my social security verification. The letter was dated XX/XX/2021. I put together all the requested information, prepared a package and called Bank of America on XX/XX/2021 to ask them if they had a fax # or an email address where I could send the documents they requested, to avoid delays, save time in the mail and avoid sending personal identifying information in the mail. The gentleman I spoke to told me BofA did not have that option. The only option was using the prepaid envelope provided in the request and mail it back to them. I specifically asked the gentleman to make notes in the account that I was placing the paperwork in the mail the same day I was talking to him on the phone. He said he did. I wouldn't know. I mailed the paperwork to them on XX/XX/2021, immediately after talking to the BofA representative on the phone. I did not hear anything back from BofA until today, XX/XX/2021 when I called to follow up on the status of my account. I punched in the last 4 digits of my card number, an announcement came up telling me " this account is closed ''. I was furious. I had no idea my account was closed. I received no calls, no emails, no texts, no alerts, no correspondence in the mail. I called BofA, I got transferred, to learn that the reason BofA closed my account was because they received my income and ID verification documents " 2 days late ''. The letter BofA sent me specified that I had 30 days to comply, and I was way ahead of these 30 days when I sent them the paperwork in their own postmark paid envelope. The mail went out on XX/XX/2021, 2 days after receiving their request, and I diligently made a note of that. This is illegal practice by this bank. I did everything in a timely manner, I received the letter on the XXXX, and mailed the requested documents out to them on the XXXX of XXXX. Somehow, my paperwork fell through the cracks within BofA organization, or was sitting on someone's desk under a pile and got forgotten, and for that reason I am being penalized by BofA because they failed to process my information in a timely manner on their end. This is UNACCEPTABLE. This bank is clearly not practicing within the boundaries of their own time regulations. They have no right to close my account without properly checking their records, reading notes, checking the dates. They simply closed my account. End of story.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.
Consumer complaint received 2021-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent dispute letters to XXXX, Equifax, and XXXX. Today is XXXX XXXX and I still haven't heard from either agency. A copy of the letter is below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Account was never late XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

2. Account was never late XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (TX)

cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Consumer complaint received 2021-02-10
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: SYNCHRONY FINANCIAL (IL)

I demand : 1. Immediately correct mistake for this account and the balance is XXXX.

2. This nightmare has caused me mentally and financially suffered. My credit score went to down. This is a wrongdoing for a bank that mistreated a customer who has a good credit ( was over XXXX ) and who is a minority woman. 
3. I demand at least {$6500.00} reimbursement for the predation interest rate charged to my account plus my XXXX, XXXX and financial suffers. 

ON XXXX XXXX, XXXX Statement, Synchrony Bank under Ashley Furniture/SYNCBN Added a balance of {$3300.00} to my account. I paid off full balance of {$3100.00} on XXXX. I called the credit card company many times and they could not give a reason. Promised to call me back after investigation. They didn't but each added interest then late fee to this account. I called again same answer. I finally sent priority certificate mail letter to the bank and confirmed they received on XX/XX/XXXX. No any corresponds. I called again asking fax #, I faxed on XX/XX/XXXX. I have confirmation they received it.
Consumer complaint received 2021-02-23
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)

XXXX XXXX : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS