davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

My husband and I took out  Parent Plus loans for our  XXXX  kids for college totaling {$110000.00}. We consolidated the separate loans into the one hu ge loan amount and the disbursement date w as  X/XX/2008 .  Unfortunately my husband is in the   XXXX   XXXX   and about same time first payments were due is when financial meltdown happened and my husband lost his job.. What was then  XXXX   XXXX   said to  put in forebearance during this time.. We did.. And had to off and on during the next 5 years or so due to difficulty in finding permanent employment in the financial climate at that time.. During this time we had to file for bankruptcy, sell our home after almost incorrectly being foreclosed on. For last several years we have steady employment and every monthly PLUS loan payment paid in full and on time. ( would like to point out during the time of off and on forebearance we Never allowed our loan to go into default ). Very long story made kind of short our loan balance is currently {$160000.00} from what started as {$110000.00}  loan.. Due to capitalized interest our loan balance has   increased over {$50000.00} ... Insane!! We asked Navient several times along the way to possibly reduce at least a portion of the capitalized interest because that just increases the payment therefore increasing the difficulty to pay.. Was only told they do not reduce interest.. Seems as though at most vulnerable time  Navient  has totally robbed us by increasing loan amount and not being willing to work with us at al l .. We take  this debt as well as all debts with seriousness they deserve.. Those were very unfornute terrible financial times and deserve a little more flexibility and options rating than being taken advantage of.. Somehow when speaking to cust rep at  Navient today I was told our loan term had been extended due to forebearance and also 3 years for graduated repayment.. I assumed the 3 year portion was just part of the loan term. So what started as a 25 year term is somehow now 35 years. ( was told five for forebearance and three for the graduated repayment.. Which obviously still does not add up to  10 year increase ) when asked for another number I could call to discuss these questions over inaccuracies I was told there is no number for that, only an address to mail.. I told him it is extremely hard to believe that a company as large as Navient and he is telling me there is no number to discuss discrepancies..
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to demand the immediate removal of inaccurate and unverified negative items on my credit report. I have disputed these items in previous correspondence under the Fair Credit Reporting Act ( FCRA ) 611, yet no valid investigation has been conducted, and these inaccurate collections continue to be reported. All the listed accounts are unrecognizable and invalid.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute inaccuracies on my credit report that have resulted from a data breach. It has come to my attention that unauthorized access to my personal information has led to fraudulent activities and incorrect entries on my credit report. -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- I request that the fraudulent or inaccurate information resulting from the 2017 XXXX data breach be thoroughly investigated and removed from my credit report. Additionally, I would appreciate a corrected copy of my credit report once the inaccuracies have been addressed. 15 USC 1681 all unverified information must be removed, was promised accuracy under federal law.
Consumer complaint received 2024-10-26
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: Experian Information Solutions Inc. (NJ)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX I visited a Bank of America atm and used my XXXX XXXX debit card, I tried to withdraw {$1000.00} but the atm did not dispense the funds. I could not go into the branch because it was not open. I call XXXX XXXX  the put in a request for verification to BOfA and was sent a computer document saying transaction was successful and funds received and that didnt happen, I have no way of escalating this matter. I would like them to check the atm video so they can see clearly I did not receive funds. I feel Robbed with no one to help me
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX 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 2017-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I was shocked to find inaccurate accounts on my credit report tonight, and I have no clue why they appeared. I routinely check my report, and this time, these discrepancies just came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but they remained. I'm deeply concerned and request that the documents I've submitted are reviewed thoroughly so I can put this issue behind me and never have to stress about it again.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TX)

XX/XX/24 Wakefield & Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX Closed account shown on my credit report under collections for XXXX Needed to verify accuracy of account to prove existance to my potential employer for a job offer.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MI)

Collection account from SPRINGOAKCAP with account # XXXX and a balance of {$590.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

I hav e $  XXXX + being held by Suntrust bank for nearly a  month now. The funds were sent in via wire transfers and should have been made available immediately. They closed the account on  XXXX   XXXX ,    2017 and   still have not given me my funds. I called this morning and spoke t o 2  different individua ls, one a manager and was told th at they had no intent to send me my money. They said I needed to contact the financial institutions that initially sent the money. I asked what I was supposed to say as of course I had no account information and was n't their client. I asked where the money was that was received, NO ANSWER. I asked if she was insinuating they had returned the funds to the originator and if that is why she was asking me to call those banks and she said s  he had no information regarding such.
I had a customer contact Suntrust 3 days after paying for an order and say they did not initiate the wire. I provided 30 or so pages of documentation and communication for over a month with 4 different employees from that company - AMPLE PROOF they did in fact send the wire - an email directly from the owner confirming that and could not get ANYONE in the fraud department to review the paperwork. The customer wanted to cancel the order which was fine but they lied and said the wire was not authorized. I will be happy to provide ALL of this documentation.
A suntrust Branch manager told me concretely MULTIPLE times th  at any funds coming in would be disbursed at the time of closing the account. She said I would have a bank certified chec k within 5 - 10 business days.      That money is contractually obligated. I must fulfill those contracts by  XXXX   XXXX ,  2017 and they r eq uire a 4 week production time. Any and all Liability is now on Suntrust Bank. They are putting me out of business and CRIMINALLY STEALING MONEY.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

I have several issues with  PHH  XXXX   XXXX . I have requested my  XXXX  for fiscal year  XXXX  and have not received a copy needed to report my taxes. They will not post the documents on the online system neither will they provide the information on line. When I contacted them for the documents they stated that because I am in litigation with them they have to go through their attorneys to process the request. This has resulted in me being late filing my taxes and subject to late fees and penalties with IRS.     In addition, the litigation has been going since the beginning of  XXXX  and I can not get them to address my complaint about the failure for them to post my mortgage payments and interest correctly while in bankruptcy. At the beginning of bankruptcy, I owed them $  XXXX  and at the end of bankruptcy, I owed them $  XXXX  plus an additional  XXXX  for other fees. The payments made are not properly reflected over the time period.     The agreement we made under the bankruptcy was to pay {$2900.00} months during the bankruptcy period to cover what I owed. However the payment history reflected an amount of {$3500.00} being constantly billed to my account. If this is the amount that I should have been paying then why did they make the agreement in court that the amount of {$2900.00} would satisfy my loan.     No principal payments were posted in  XXXX  and  XXXX  ... .the {$2900.00} is not reflected in the totals of the escrow and interest amounts. Where is this money reflected in payment history!!!!!!     The next issue is that the principal balance as of  XXXX / XXXX / XXXX  was {$340000.00}. Then the payment history for  XXXX  show a balance of {$400000.00} but they send a document wanting me to sign saying we owe $  XXXX . So, they are not holding to the agreement that our {$2900.00} payments are satisfying the loan. They have increased the interest under their agreement and not letting us know that the amount has increased and we need to make the {$3500.00} payment. They have breached their contract of the {$2900.00}. Then they do n't give us documents to support the interest paid for IRS. requirements.     Their practices are not fair!!! and they do n't want to pay my attorney fee but provide me with  XXXX  that do n't meet the attorney fees and additional trustee fees, and IRS fees that I now owe due to them not settling the matter in adequate time.     Overtime they correct the payment history the amounts change to fit the bank. See all the documents that I have submitted with changes they posted to payment histories. Thanks.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 to be removed/updated. 

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 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 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!
Consumer complaint received 2017-05-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Hello, On  XXXX   XXXX ,   XXXX   I applied for a home equity loan threw  Pen Federal cr edit union.   the request was for  XXXX  at  3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since  6 weeks had gone by. I asked If they already ran my FICO  score and she replied yes. At this rate I had no option but to wait for the offer.     On  XXXX   XXXX ,   XXXX   I receive a written offer for  XXXX  for 180 months at  4.99  percent.   I refused immediately. My FICO score is  XXXX . I have  XXXX  house with  XXXX  remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years.     In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor.  Pen Federals  website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons.     Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. These accounts below have violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX. 
I want Experian to investigate every piece of information on these accounts that I have listed above.According to the FRCA the term " investigativeconsumerreport '' means aconsumerreport or portion thereof in which information on aconsumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to FCRA15 USC 1681S-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors.A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
I want a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Delete these accounts from my credit report : XXXX XXXX XXXX Account Number : XXXX