davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

I purchased the house in XXXX of XXXX. Initial mortgage company was the XXXX XXXX XXXX. Soon after they transferred us to Mr. Cooper, our current mortgage company. As a XXXX veteran, back in XXXX I was entitled for partial discount on property taxes. As I was first time home byer, I decided to pay property taxes through escrow. Let the mortgage company handle that part, which they failed to do. XXXX passed by and in XXXX of XXXX I got the bill which included projected property taxes for XXXX and taxes for the entire year of XXXX. It was significant amount which I was not able to pay. After long hours of conversation with Mr. Cooper, they agreed to create a payment plan where we will pay the shortage monthly. 
In XXXX of XXXX I was granted XXXX, thus I got total property tax exemption. Whatever I overpaid for XXXX XXXX XXXX and XXXX gave me back. Mr. Cooper was still charging me property taxes from XXXX till XXXX of XXXX. I did notify them in XXXX that I was exempted, yet they claimed written documentation was required for confirmation. When I asked what happened with the tax money I paid them in 6 months of XXXX, they said that no property taxes were charged, and that I was paying off my shortage from XXXX. 
They failed to properly calculate my property taxes for XXXX. Mr. Cooper did not communicate with me in any shape or form. 
They failed to adjust my property taxes and escrow for XXXX and were charging me taxes when I was already exempted. 
Failed to communicate with me that extra payments for 6 months in XXXX were used to pay my shortage. Failed to fulfill an already established payment plan. 
Denied that they were charging me taxes in XXXX when it is written on escrow statements. 
They caused me significant distress. Their customer service is terrible. They hung up on me multiple times, were unprofessional on the phone and could not give an adequate explanation.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (NV)

I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of  {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ).

Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. 

We do apologize for the inconvenience this has caused you. 

If further assistance is needed, please give Military Star a call at XXXX or via email. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

I purchased a brand new Audi from Audi XXXX XXXX. This was my second purchase with this dealership and financial services. 
Once I signed for my new car I went into Audi Financial Services to set up Auto pay. 
I noticed after a week, when I got into my car a new name was coming up on my screen. Someone I did not know. 
When I signed into my Audi account, it had a different vehicle and a different name. 
I also saw that it was showing me 30 days late on a payment. 
I immediately called Audi Financial to figure out the problem. After speaking to several departments I finally spoke to a supervisor who was going to get the 30 day late off my credit and the other persons information. 
That was a month and a half ago and nothing has been done. I have contacted Audi Financial several more times and can not get anyone to assist. The continue to send me to different departments as no one seems to be able to help me. 
Now I have a 30 day late payment on my credit and I am hesitant to make another one as I am not sure it will be applied to my vehicle and not this other persons loan. 
I received multiple call from Audi about my payment being 30 days late even though it is not. I also can only see the other persons vehicle when I log into my account now. Your help with this matter and urgent attention is beyond valued.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NV)

I have been a Navient customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from Navient about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called Navient repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. Navient had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through Navient and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with XXXX to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. XXXX is happy to remove the delinquent payment request as it was not my fault however they are waiting for Navient to contact them and I have tried to contact Navient but feel I am stuck exactly where Navient wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Consumer complaint received 2024-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024 at XXXX, I received two emails from Bank of America : one advising that they received my credit card application for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The second email advising that I had enrolled in the Online and Mobile Banking platform. I also received an email from XXXX XXXX, which monitors my credit, that there was a new inquiry on my credit file. 

I did NOT apply for this credit card and I did NOT enroll in the mobile banking platform. This was clearly fraud. I called Bank of America and advised them that I did not, in fact, apply for this card and reported it as fraud. They noted the fraud and stopped the application process. Once they successfully assisted me in stopping the fraudulent application, they also advised me to contact the XXXX credit bureaus and report the hard inquiry on my credit report. 

I created accounts on XXXX, XXXX, and XXXX and froze each of those files. I just spoke to a representative at XXXX who opened an investigation in an attempt to remove the hard enquiry from my credit report. The representative also advised me to lodge a complaint to the CFPB, so that is what I am doing. The representative advised me to upload a copy of this complaint to XXXX, which I plan to do as soon as I finish this process.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings, I requested that TransUnion and XXXX to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file is XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2- 433.3. Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to get the balance on my collection account straighten out since XX/XX/2023. I have submitted disputes online, called, etc to no avail. The amount of the collection account keeps changing and affecting my ability to obtain credit. This account is over two years old and should not be showing on my credit report based upon the FCRA.
Consumer complaint received 2018-11-24
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. (TX)

The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX  ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 


Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (TX)

The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
Consumer complaint received 2021-10-15
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: WELLS FARGO & COMPANY (NC)

I have disputed through XXXX and XXXX XXXX regarding my Wells Fargo Dealer Services and XXXX XXXX XXXX. I have asked that these be removed from my credit report. If the account is marked current and/or closed why can't it be removed? I have asked over and over again
Consumer complaint received 2023-12-15
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. (NC)

I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
transunion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/XXXX I sent wire to XXXX for {$7600.00} the correct XXXX code and account number was indicated on the transfer but there was a descrepancy with the recipent name so the money was not credited to the account. I went back to the bank and personally sopke to the manager who processed the wire transfer and she informed me that she sent an email to the wire transfer department to correct the name and she will call me later with a confirmation number. I never received a call back. Since time was of the essence I spoke to my attorney and initated another wire transfer for the same amount with the correct name on XX/XX/XXXX. The second wire transfer was also successfull received but was not credited to the account. 

I contacted the bank on XX/XX/XXXX to find out about my funds and the representative informed me that the first wire transfer was correctly credited to the intended account and a refund was issued for the second wire transfer and I will see a credit on my checking acount within 9 business days. No credit was issued. I called the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Everytime I called I was given a different response and was told that they are waiting for an answer from the bank in XXXX who did not get back to them. The receiving bank, is the same as the sending bank
Consumer complaint received 2024-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I contacted Navient for assistance with forgiveness due to the school misconduct option. The loans have been discharged from XXXX XXXX XXXX because the schools have all been closed down because they do not exist. They are not real schools. 
These are the epitome of predatory lending and they should be repaying the loans. 
The schools have had to pay students and the government because they were fraudulent. The fact that Navient is still demanding that I pay for loans from schools that no longer exist and were found civilly liable for their ill intent is not only unacceptable it should be illegal. 
I have been paying Navient for 8 years on loans that will never be worth the ink on the paper used to apply for them. 
This is not acceptable and it is unconscionable that they are allowed to act with such impunity against American citizens. 
I tried to contact Navient for more information related to the denial and they placed me on hold and never came back to the phone.
Consumer complaint received 2024-03-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I am a former MBNA and Bank of America employee. As a legacy MBNA employee, I was awarded XXXX separate XXXX XXXX XXXX XXXX XXXX from MBNA for the birth of my children. The {$2500.00} accounts mature after 18 years for each child. The accounts were granted at the XXXX XXXXh for each of my now adult children. Account numbers : XXXX XXXX # XXXX and XXXX XXXX # XXXX. 

I am an existing Bank of America XXXX Merril Lynch XXXX client. I have attempted to contact both Bank of America and Merrill Lynch to transfer the funds of the XXXX 's into my childrens existing Merrill Lynch  XXXX accounts. I have called the XXXX Banking, Customer Service, Merrill Lynch Customer Service, and several former co-workers/ family including ( XXXX XXXX ). I went to the XXXX XXXX XXXX in DE, and was advised that they would need to follow the MBNA escalation process as this is a 'common issue. ' I was advised that I would receive both a phone call and email from the appropriate department to assist with my request. I was advised by phone and in XXXX that the employees were not able to search for the XXXX 's under my children 's Social Security XXXX. I have not received any response after multiple to reach the Bank. I am hopeful that Bank of America can research for the accounts that they have lost record of, which is apparently a common problem.