davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I enrolled at XXXX XXXX for XXXX XXXX in XXXX, CA. During the admissions process, it was determined that I did not qualify for federal student loans due to family income levels. The school recommended that I take out private student loans with a company they had a relationship with which would cease servicing XXXX students soon. I learned in XXXX that the reason for this is that XXXX had legal and financial troubles that threatened its accreditation. In my sophomore, junior and senior years XXXX recommended that I and a co-signer apply for private student loans through Sallie Mae which later were transferred to Navient. I was warned during these periods that if I failed to promptly get a private loan or find some other way to pay for enrollment, that I would be kicked out of classes and my credits would not be able to transfer to other colleges including credits for XXXX courses I had already completed. During every enrollment period I was strongly encouraged by the school to take out private student loans to attend either directly or by being threatened that I would be removed and my credits would not be transferrable to continue my education elsewhere. 

When I began attending in XXXX, the school promised job placement assistance via an organized externship program. Prior to my graduation in XX/XX/XXXX the externship program was suspended. When I attempted to use the job placement assistance programs, the information provided was almost universally out of date, incorrect, or pointed students to the wrong points of contact. Myself and the majority of other graduating students in my class had extreme difficulty finding employment within our fields, and nearly all graduating students in my class did not find stable permanent employment until we stopped searching for jobs relevant to our specific degrees such as public service sector and retail work. 

The records I have show that between XX/XX/XXXX and XX/XX/XXXX I paid approximately {$45000.00} to Navient and Sallie Mae to attend a school that used high pressure tactics, deceptive advertising, and changed service expectations to deceive students into overpaying for limited services. I refinanced my student loans in XXXX and still owed over {$65000.00} in principal. My original tuition was calculated as {$49000.00} plus stipends worth {$21000.00} for a total of {$70000.00} for my sophomore, junior, and senior years. 

I believe that under the Holder Rule, my payments made between XX/XX/XXXX and XX/XX/XXXX were made for a deceptive or fraudulent service. On XX/XX/XXXX I submitted a request for a School Misconduct Discharge Application. I received a rejection later that morning stating that my loans were closed at Navient and are not eligible for the School Misconduct Discharge Application. I believe that per the Holder Rule, I have a right to apply to have my previous payments refunded as I borrowed to receive what I believe to be a deceptive or fraudulent service.
Consumer complaint received 2023-03-14
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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: Incomm Holdings Inc. (ID)

In XX/XX/XXXX my children each received a {$100.00} gift card via USPS mail from their aunt ( who resides in another state ). She purchased both gift cards at a XXXX store. On XX/XX/XXXX I assisted one of my children as they attempted to use their gift card to make a purchase. The card was declined. Upon researching the card 's transaction history I learned that the card was already used to make a purchase on XX/XX/XXXX in another state. I checked my other child 's gift card history and learned that it, too, was used in the same manner. 

On XX/XX/XXXX I called InComm Financial Services ( XXXX ) as that company represented the card 's issuer, XXXX, XXXX. I made XXXX fraud reports for the cards ' usage. I was issued case numbers XXXX and XXXX. I was provided the email address XXXXXXXX  to follow up on the cases. 

On XX/XX/XXXX I emailed inComm at the email address I was provided to get an update. I received no response. 

On XX/XX/XXXX I called InComm at their toll free number to get an update. I was informed that the cases had been closed out. I requested to be sent documentation about my investigation but was told that due to the length of time since I reported the fraud I would not be provided with anything. 

It was only after going through the process of filing fraud reports with InComm that I learned of the rampant fraud that occurs with gift cards sold in stores. The cards are not placed in tamper-proof packaging by the manufacturer and the stores do not place them behind counters. This enables thieves to steal the gift cards, open the packaging to obtain the card 's numbers, and then return them to the store. Unsuspecting customers then purchase the cards. The thieves subsequently use the numbers on the cards which they previously wrote down and spend the money themselves. These companies and store are aware of this problem. They have done XXXX to protect consumers. They are content to collect the money regardless of how it was acquired. I feel that the credit card company and XXXX are both liable for this rampant form of theft and feel as though they should be required to reimburse each customer who was victimized by this type of theft.
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

O n   XXXX   XXXX     2017 I we nt to my local grocery store (   XXXX   ) at approx  XXXX  at that time ... .according to m y mobil app  with bank of Americ a ... .. my  balance was {$52.00} ... my purchases totaled {$24.00} ... later that night after the store was closed ... approx  XXXX , I went to Bank of America ATM on  XXXX   XXXX  and  XXXX   XXXX   XXXX  NY  XXXX  where I withdrew {$20.00}. I DID NOT get a notice from the ATM during the withdrawal that this transaction would " exceed the balance thus incur a {$35.00} charge '' ...  ..The next day I receiv ed my routing morning text message notice stating that my account is overdrawn by {$46.00} ... I went to the computer and discovered that the {$35.00} over draft fee was the cause of the overdraw.     I made a call to B of A ... .their explanation was that what I am able to see on my app as well as my online banking is not accurate and that at the time I went to the grocery store there was only $  XXXX  .and     chance ... but NOT the {$52.00} that both my online banking as well as my app reflected. Despite my protest they are unwilling to reverse the {$35.00} fee
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax never investigated inquires and they willing knew it was a violation of my rights so they are liable pursuant to USC1692K 813 civil liability There deletion is admittance to them reporting inaccurate information on my report
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (TX)

In accordance with the Fair Credit Reporting Act, the auto loan account with GM Financial has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via XXXX certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Prosper Marketplace, Inc. (TX)

Dispute with Prosper XXXX XXXX reference # XXXX spoke to representative regarding merchant interest fees account. I did not realize I was paying interest for the balance per month of the card. I closed the account today in hopes that I could work an arrangement out towards the purchases I have made. They are unwilling to work with me to make these payments. I would like to see if the company would allow me to pay my balance without the interest considering the account is closed and the card will no longer be used. It is so terribly sad for individuals who are trying to fix their credit are milked and prodded to where roughly XXXX gets applied to the account balance. If this is the case maybe a best practice for the credit card company would be to say here is your minimum due, please select the interest pay option to pay an additional amount towards your balance. For example, if the minimum is {$30.00} and the interest is {$21.00} within the payment option it should have {$51.00} to pay so that at least the {$30.00} you paid goes towards the credit card account balance.
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UMB FINANCIAL CORPORATION (IA)

I have received a bill in the mail for a phony Visa card that I do not have. The Visa bill makes no reference to a business or company that would make it legitimate, such as a gas station visa, a department store visa, or an airline visa.The charge they are showing is {$160.00}. The bill is from XXXX XXXX XXXX in XXXX and is clearly a scam.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi and Good Evening ... .I 'm writing you guys again, because i been going back and forth with Portfolio Recovery Associates in regards to alleged debt that they bought from XXXX XXXX. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

On XXXX XXXX, XXXX I received a notice from XXXX that there was a new inquiry on my credit report. I investigated and found a credit application was opened. So I called XXXX to confirm that this had been approved and opened in my name and I did not submit this application. They did close the account but trying to get more information about how to protect my account was extremely difficult This is now the fifth time this has happened to me. The other four times the application was denied and but this time they finally got the application to go through. I do n't understand how this keeps happening. I have called each and every time to report this, filed police reports each time, put XXXX on my accounts, etc. I am fed up with Synchrony Bank and how they allow this to continue to happen. For how large of a bank they are, they are not out to protect their consumers. They push applications and never check fraudulent reports. I am thankful for XXXX letting me know first so I could get the ball rolling and take care of this.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I'm making this complaint to TELETRACK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XX/XX/year>2022 XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

I called the phone number for Relationship Manager XXXX XXXX XXXX ( XXXX ) onXX/XX/XXXX at XXXX XXXX  XXXX to discuss the Early Intervention - Borrower Assistance letter dated XX/XX/2023 received by me. 

1. I informed her the link for instructions to complete a requested Mortgage Assistance Application ( " MAA '' ) to assess assistance options was not working ( XXXX ) and came back " Page Not Found ''. 
2. I informed her that I was unable to search for mortgage assistance using the Assistance Locator tool ( XXXX XXXX XXXX ). 
3. I informed her I was unable to start the MAA online for the above which appears to need me to register to submit online.

4. I informed her I was able to print a copy of the MAA.

5. She told me she would check the website.

6. She informed me she could mail me an application. I reminded her I was able to download a copy.

7. She informed me I was delinquent and asked why I could not pay.

8. I explained a tenant moved out, the house is uninhabitable, and I am unable to pay.

9. I told her the reason for my reaching out was to inform them I have a buyer for the property and sale is set to close soon.

10. I asked whether she checked the website link like she said she would.

11. She told me that since I can not access the website, she will have to mail an application. I again reminded her I have a copy but need assistance registering.

12. I asked again if she checked the website link.

13. She informed me it " may '' be down and that she will mail an application.

14. I stated either you did or you did not check the website link and asked did you check?

15. She stated the website is down.

16. I informed her that would have been nice to know when she checked rather than tell me I did not have access to the website and continually telling me she will mail me one.

17. I asked for her to repeat her name or ID # provided at the outset of the call. She hung up.
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or might of being issue with the bank doing a transfer from savings to checking account. But i'm shocked and I can't believe how this is possible.
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (IA)

Sent this debt collection agency a request for validation of this debt on XX/XX/2023. This debt collector has failed repeated requests from me to validate or ahow me some proof this debt was mine and owrd by me. There has been no response. Have made repeated calls to this company, no response. Under Federal Law, FDCPA, FCRA, after receipt of my request for validation, this debt collector is required by law to provide some sort of documentation, cease and desist from all collection efforts and remove this from all consumer credit reporting agencies until I can review any proof given, if any exists. Also, a prior debt collector in attempt to clain this supposed debt, filed suit in court in XXXX XXXX, Iowa and they lost. Yet, here is another still trying to collect a debt already riled not owed.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

I have been in good standing with carhop for XXXX and not a single loan for the now XXXX vehicles have been reported on my credit report. None of my early payments none of the payoffs nothing, it's as if I never did business with them. From XXXX to today.