davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

First off, I am part of the automatic refund group in the XXXX v XXXX settlement for attending the XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. The deadline to get my loans completely refunded was XX/XX/XXXX. 

XXXX XXXX refunded a small portion of loans that they were servicing - XXXX consolidation consisting of the last XXXX loans in repayment. I have XXXX total loans to the XXXX XXXX, none private, the rest were paid in full and were serviced by XXXX XXXX and then Navient. XXXX XXXX is now showing as my only loan servicer, they say that they do not have any of the other loans to the XXXX XXXX. 

I spoke with Navient and they have no record of my other loans. I called every other servicer who could potentially have had my loans at some point and talked to the Borrowers Defense hotline several times, they say they see that XXXX XXXX should have all of my loans as they are showing as my only servicer. I called XXXX XXXX back again and was intentionally disconnected saying there was nothing they could do they only see the XXXX loans that were already refunded. 

Navient is a complete mess and I have a feeling they still have my loans and are being dishonest and intentionally deceitful for their own gain. 

The DOE says their hands are tied and there is nothing they can do. I have filed multiple complaints with the assigned Ombudsman and directly with DOE with no response. 

My loans were discharged in XX/XX/XXXX. The DOE and Servicers have continually missed deadlines to provide refund relief under the settlement. I counted on this money and am now paying high interest loans that have had the grace period expire. I dont know who else to turn to aside from you or get my own legal representation.

Please let me know what I can attach that may be of help to you.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

This is for a dispute claim number with Chase : XXXX  for {$45.00}. I've submitted a claim on 3 transactions because someone/fraudulently used my XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX to make purchases at XXXX XXXX XXXX XXXX in different locations including XXXX XXXX XXXX XXXX XXXX The 3 transactions were processed at the same time for {$19.00}, {$45.00} and {$51.00} done on XX/XX/year>XXXX  in the afternoon. I called Chase Bank at XXXX and disputed all 3 transactions totaling {$110.00} and Chase provided a new debit card number. I received a final credit on the {$19.00} and {$51.00}, however I didn't receive my final credit on {$45.00} because they said they found details of the transaction. How are you going to credit the {$19.00} and {$51.00} and not the {$45.00}. Also, this transaction was made in XXXX  and delivered in XXXX, I don't live or do business in XXXX. I've also submitted a XXXX, XXXX  police report - the report tracking number is XXXX, the XXXX Police Department contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like my full refund of {$45.00}.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (FL)

On XX/XX/XXXXXXXX XXXX  I recall that my XXXX went XXXX  and shut it off when I turned it on a XXXX  XXXX  hover over it and I took it to a repair shop here in florida the repair person told me my phone was hacked and he stated that nothing happend XXXX  of you to turn off the phone, XXXX took me five hours to recover all my information as XXXX  XXXX  showed also after that incident I did not pay any mind to it my girl firend and I are engaged and trying to buy a house it is XXXXXXXX XXXX when the real estate agent ran my credit two XXXX  accounts showed up as mine nothing of that I dont have a XXXX  card I called XXXX and they told me nothing we can do pay up or we will send collections notification never got any I bessech you helped me and let me get a striaght answer to this neglect
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX, I was assessed an insufficient funds fee for my mortgage despite the fact that there were sufficient funds in my bank account. I contacted my bank to determine why the payment was declined, and my bank told me that they never received the ACH request from RoundPoint. Accordingly, I called RoundPoint, and I was told that the customer service agent would put in a request to waive the fee, and I should hear back by the end of the month. I never heard back. So, I called again, and this time I was told that the previous customer service agent was incorrect, and all fee waiver requests would have to be in writing. I then emailed customer service on XX/XX/XXXX, but again never heard back. I sent another follow-up email on the XXXX of XXXX but never heard back. I called RoundPoint several times since my emails were unanswered. Every time I was promised a response, but RoundPoint never contacted me. I emailed again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I requested that RoundPoint show me the documentation where my bank declined the payment. It is now over XXXX months later, and all that RoundPoint has stated is that their own internal review shows that they did not make a mistake.
Consumer complaint received 2024-09-11
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (OK)

TD Retail Card Services Yard Card was opened to purchase a lawn mower. Yard Card has since merged with another bank or conglomerate. Spoke with customer service regarding a late payment shown on statement on XX/XX/2024. Customer service rep stated all payments had been made and their new system was not updating payments. XXXX XXXX received another late payment letter. Called customer service again, sat on hold for XXXX minutes and was disconnected. XX/XX/2024 received a phone call from TD Bank Collection Dept stating I had a {$480.00} late payment. I explained all payments have been made on time every month. She researched and showed every payment being made on time for history of account. She could no longer do anything but needed me to speak with customer service again to get it cleared up. Sat on hold for another 20+ minutes and disconnected again. Multiple chats online with customer service reps stating their system is having trouble posting payments to accounts but showed every payment has been made on time for history of account. No one can give us anything showing all payments have been made on time yet the account keeps getting late fees tacked on it. TD Card calls me 3-4 times a week regarding this late payment. I answer the phone and am disconnected until today. Collections dept. Tells me they can not keep the bank from sending update letters to credit bureaus stating late payments and will Not provide anything in writing. The only response they will give me is I can dispute with credit bureaus and have them investigate.
Consumer complaint received 2024-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (KY)

On XX/XX/XXXX, I received a letter from Mitchell D. Bluhm & Associates stating that I owed {$450.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have never received services from any provider named XXXX XXXX, nor did I receive any services from any medical provider on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a Debt Validation Request ( copy attached ), outlining my rights under the Fair Debt Collections Practices Act, to Mitchell D. Bluhm & Associates. This letter requested specific information which would allow to be respond to this allegation. This letter was sent Certified Mail to their XXXX XXXX address within the thirty-day window to protect my rights under the FDCPA. The letter was never signed for by the recipient. 

On XX/XX/XXXX, I received a second bill from Mitchell D. Bluhm & Associates. On XX/XX/XXXX, I sent a second Debt Validation Request ( copy attached ), referencing my initial request. This letter was sent via XXXX XXXX XXXXXXXX package, signature required, to the same XXXX XXXX  address. A second identical letter was sent via XXXX XXXX XXXX Mail. 

It appears that all mail sent to the XXXX XXXX XXXX address is automatically forwarded to a XXXX XXXX XXXX at a XXXX branch of the XXXX Postal Service. The XXXX XXXX XXXXXXXX package has not been retrieved from or signed for. 

I have made XXXX documented attempts to resolve this issue which have been unsuccessful. I am requesting your assistance in ensuring that Mitchell D. Bluhm & Associates cease any credit bureau reporting and cease any further contact with me.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (MD)

I am filing a complaint regarding the mishandling of my application for an Alphaeon Credit card, which I initially applied for in late XX/XX/year>, in preparation for an upcoming XXXX scheduled for XX/XX/year>. I unfroze my accounts with the major credit bureaus prior to applying to ensure a smooth process. 

On XX/XX/year>, I received a letter from Comenity Capital Bank, the servicer for Alphaeon, requesting additional information for my application. On XX/XX/year>, I called to clarify the requested details and confirm my interest in the card. The agent assured me that I would receive another letter within 7 to 10 days, but I never received any further correspondence. 

On XX/XX/year>, I called again to follow up and was directed to the fraud department. They again mentioned a 7 to 10-day window for receiving a response. However, this was nearly three weeks after my previous call, and no letter had been sent. During this call, the agent explained that the application process starts when a hard inquiry is placed on the credit report, which occurred on XX/XX/year>, by " COMENITYCAPITAL/ALPH. '' The 7 to 10-day timeline should have started at that point since the bank had begun processing my application. Despite this, no letter or status update had been received. 

On XX/XX/year>, I made another attempt to check the status of my application. Alphaeons support team could not confirm whether I had applied and forwarded me to another number. The automated system asked if I had received a letter regarding my application, and since I had not, I selected the option indicating so. The system then told me to wait another 10 days and disconnected the call without further support or options. I do not have a direct contact number for the department I was forwarded to, leaving me in a frustrating loop.

Despite repeated calls and follow-ups, I have been unable to determine the status of my application. Both Comenity and Alphaeon have provided conflicting information. While the fraud department claims the bank has my information, the bank denies this, and the online portal shows no record of my application. I have now been waiting over a month, received a hard inquiry on my credit report, and still have no clarity. With my XXXX approaching, the lack of communication and transparency is unacceptable.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (TX)

Keeps buying old debt that either isn't mine or has been paid of years ago. I confirmed with all of my primary care providers within the past 4 years and any facility that I visited in the meantime and they advised that I do not owe anything. Repeated calls, trying to get around my blocked calls and stuffing my mailbox with fraudulent attempts to collect on money that isn't theirs. It almost seems like they have bought debt from the last company XXXX XXXX XXXX ) that were trying to scam me out of money as the invoices are the same. I have already closed my complaint with XXXX XXXX  for harassing me and attempting to take money that wasn't theirs, so there's no way that this debt is mine or active.
Consumer complaint received 2024-08-01
Product: Credit reporting 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. (MN)

On or about XX/XX/year> I contacted a financial institution to apply for a new credit card. I went through the pre-approval process on line and was declined due to my credit bureau files being frozen. I contacted all 3 credit bureaus, XXXX and XXXX responded with no problem. Experian did not. I have called there customer service phone many many times. There automated answering service would not give me access to a live representative. I have tried to use the forgot user ID and password to reset with there response being my date of birth and My social security number do not match, this is not accurate. On XX/XX/year> I sent Experian a letter detailing my access problem and requested a representative contact me, this also has not happened. Im very frustrated with there lack of response.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

My credit report showed that my account was opened again when it was closed after paying off the balance in XX/XX/XXXX. Also, the credit report showed I was 30 days late in XX/XX/XXXX but there was a ZERO ( XXXX ) ) balance in XX/XX/XXXX and the account was closed. The account in question was Raymour and Flanigan. This account was not on my report from XX/XX/XXXX to XX/XX/XXXX. It was closed. It now shows open.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (UT)

I've tried working with Regional Finance for sometime, trying to find a hardship solution. In XXXX, one person at the Branch here in XXXX XXXX XXXX, her name is/was XXXX, was able to assist me in lowering my payments from {$330.00} to {$160.00} a month. That was helpful, and I was able to make my monthly payments for about 5 or 6 months. 

In XXXX ( earlier this year ), I ran into additional issues with my cash flow. Mainly from medical debt that was sent to Collections, but also some other debts I was required to setup payment plans for. This caused me to be late on my rent ( I was late XXXX, XXXX and XXXX ) as well as fall behind on my phone service and internet service, which I've been trying to get back to current. 

When I talked with Regional Finance at this time, the only solution they could offer was to " defer '' a payment, which I agreed to. However this isn't a longterm, or permanent solution obviously. 

In XXXX, I played phone tag with XXXX, but she and I eventually connected. I explained to her my situation, and she suggested we try reconnecting in XXXX after XXXX 's statement period passes. She didn't know, or offer any solutions, but thought we reconnect. 

On XX/XX/XXXX, XXXX from the local office called me 3 times, and before I could even respond, called my sister twice. I feel this was unnecessary and meant to embarrass me. I called and spoke to XXXX and voiced my frustration with her and what she did. I told her I didn't want her to call anyone else but me. I asked for XXXX, but she was not available. 

As of today, I've not spoken to anyone at the local branch since, and would prefer not to. XXXX is the only one that is respectful, and tries to help. Everyone else including the branc

h manager come across as demanding and unempathetic. No one seems to be able to offer any solutions. I'm filing this complaint, as I hope someone from the Corporate office who receives this, w
ill be able to work with me in finding a hardship solution that will work for all of us.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2024-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (FL)

This is very frustrating. I thought I did all the correct steps, yet this doesn't seem to go away. On XX/XX/XXXX, I posted a used XXXX motorcycle online for sale. I was contacted by lets call him XXXX. He left XXXX down and we signed a partial bill of sale for the balance of XXXX to be paid in 2 weeks. I held the title. In the excitement and confusion, I forgot to remove my license plate from the motorbike. XXXX never returned to pay the balance or retrieve the title, much less to return my plate. After researching XXXX XXXX criminal record of multiple armed robberies and XXXX traffic, I went straight to the XXXX XXXX XXXX office and reported his name, showed the contract, to remove any liability from the stolen plate. I also went to the Driver 's license office and removed my name from the plate on XX/XX/XXXX. About a year later, I start receiving tons of toll by plates and red light tickets. I called the XXXX and showed them proof, and told them to check the status of the plates, they are not in my possession, nor do I live in the same city as XXXX. Over 4 years later, and now I receive a collection agency sent by DOT for fees he's accruing on my old plate. The guy is a whole foot shorter than me, it's obviously not me on the bike. I also live an hour away from where he's at. This has become a nightmare, dozens of invoices, now a collection agency is putting my good credit at risk. How do i make these jokers understand, that tag is not in my possession, and get them to stop harassing me? I'm a XXXX XXXX XXXX Vet that suffers from panic attacks and XXXX, there's no reason for me to have to stress over something I've taken care of 4 times already.
Consumer complaint received 2024-08-14
Product: Credit 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: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union We apply credit to that company with my girlfriend XXXX XXXX XXXX and then im athourized user to that account but in the end there never get resolved that issues and until now there never resolved the issue there said we owe money to them that truth is there discriminated us with XXXX XXXX XXXX something not right there manipulating our situation and there hacking all devices we have and there trying to ruined everything to us.We can not get any answer clear from them and there close the account and there trying to take out my name as authourised user now.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I've contacted First Citizens on multiple occasions to try and withdraw XXXX XXXX XXXXXXXX and could no add an external account to get the money withdrawn. I sent them screenshots of the bug and called on multiple occasions I was tossed around on calls or not given anything from a template response. I want my money
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-17
Product: Credit reporting 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. (NY)

I am writing to dispute the following hard inquiries that appeared on my credit report : XXXX XXXX XXXX, dated XX/XX/XXXX XXXX XXXXXXXX, dated XX/XX/XXXX XXXX, dated XX/XX/XXXX I did not authorize these inquiries, and I believe they are errors. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. The FCRA also prohibits creditors from making hard inquiries without my authorization. 

I have no knowledge of any applications for credit with these companies and did not authorize them to make hard inquiries on my credit report.