davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Navient Solutions, LLC. (NY)

Navient has affected my credit report although i haven't stop paying. 
XXXX has denied an uncreased on my credit due a delinquency report against my well done by Navient. 
on XX/XX/2019, Navient on PA has ignored my pay check for XX/XX/XXXX payment for about 3 weeks. Due t this fact, I went to XXXX to stop that check. According to the Banker the check wasn't cashed. 
Navient has case me a lot of trouble. Ones I went o XXXX and tried to use XXXX and they denied service to me. 
Navient has denied my loan forgiveness although I have 18 years working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   College Never disclosed all these issues abut XXXX XXXX student Loan. 
I did not know Sallie Mae was a private. when I Look at my bill, it is not clear, how much d still owe or by balance. Right know is finished my 10 years of payment, but it is not clear.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

I opened a checking account on XX/XX/2024 after receiving a USAA offer of a {$200.00} bonus to open a classic checking account and fund it with direct payroll deposit of {$100.00} or more within 180 days. My first payroll deposit was made to my new USAA XXXX Checking account on XX/XX/2024 in the amount of {$390.00}. I have since had my regular payroll deposits into this account. The offer promised that I would receive the {$200.00} bonus within 60 days of this qualification, which should have been approximately on XX/XX/2024. After receiving no communication regarding the bonus, I contacted USAA XX/XX/2024 and XXXX confirmed that all requirements for the bonus were met and that the system takes an extra week to process the {$200.00} bonus. The next week I again called USAA on XX/XX/2024 to inquire about the bonus owed to me. XXXX reviewed the case and validated my eligibility for the bonus, telling me to call back XX/XX/XXXX if I had not yet received the {$200.00} bonus. He gave me a XXXX XXXX, XXXX. As I had not yet received the bonus today, XX/XX/XXXX, I called back and was told by XXXX and XXXX that they would escalate my case to the Member XXXX Department. I was called back several hours later by XXXX who told me that I did not qualify for the offer. She gave me Internal Complaint Number XXXX ( no room here to finish )
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Associates, Ltd. (PA)

This account was formerly held by XXXX XXXX XXXX, see previous complaint about XXXX XXXX Because of their illegal tactics this debt was supposed to be zeroed out, instead they sold it to this new company. This debt needs to be removed.
Consumer complaint received 2021-09-30
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: GOLDMAN SACHS BANK USA (NJ)

I ordered floor mats from a 3rd party on XXXX. I never received the floor mats but I was charged my credit card. I tried to contact the company I ordered from but they did not respond. I then contacted my credit card company to dispute. They said the merchant said I signed for it. I told them that was impossible. I work for a company that all overnights are signed by the receptionist as it is our procedure. Also, on the day they said I signed it, I was at our other location that day which would make it impossible for me to sign. All I was asking for was a credit for something I did not receive. I submitted the request 2 times.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

Some one opening these accounts without my knowledge. 

This account was closed on XX/XX/2019 XXXX XXXX/XXXX  Last reported XX/XX/2019 {$520.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$820.00} Reported balance Credit limit This account was closed on XX/XX/2019 XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance Credit limit XXXX XXXX XXXX Last reported XX/XX/2019 {$200.00} Reported balance Credit limit
Consumer complaint received 2017-07-31
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. (AL)

I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.
Consumer complaint received 2016-12-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

I have been a customer at J.P. Morgan Chase for many years. 
I closed some money market accounts I had in trust for clients. I received a letter dated XXXX XXXX, 2016 indicating they have decided to close my personal money market account at the bank. 
They indicated after a recent review of my account they decided to end our relationship. The account has always had a positive balance and I deposited my social security and small pension into the account each month as well as other funds. 
I continue to have a business checking and my trust account for my office with them. I do n't understand how the relationship can be ended without any reason being given. It seems it was up to me to close the account and that they should not be able to close an account without a reason being given to the depositor. I called the number given to me in the letter and I was told that they could not offer a reason and that it was just too bad. Clearly the bank can not do do this without a valid reason.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NY)

After numerous attempts to work with Wells Fargo, they repossessed the vehicle and bullied me into having to pay them a balance after the vehicle was repossessed and sold. This happened in either XXXX or XXXX and I am uncertain as to the exact amount but Wells Fargo should have some record of this incident.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-09
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I was approved for XXXX benefits in XXXX. However, by XXXX I still had not received a debit card with my benefits. Upon calling the card issuer, Money Network Financial , LLC ( d/b/a My Bank Direct, XXXX XXXX XXXX XXXXXXXX XXXX ), they told me the card had been activated on XX/XX/year> and that the entire balance save XXXX cents had been withdrawn or spent at ATMs and grocery stores in XXXX XXXX, CA XXXX XX/XX/XXXX and XXXX. I live in XXXX, and had never received the card, much less activated it, so I was completely baffled as to how this happened. I have informed delivery with the XXXX postal service, which shows me all pieces of mail that are delivered to my home. The envelope with the card was never even mailed. From there, I filed a police report, contacted Money Network, and told them everything that had happened. They put in a claim for me so that the fraud was now officially listed and in an effort to get those funds back to me. They said a new card would be sent. I never actually received that XXXX card! Then, on XX/XX/XXXX, when I went on the XXXX website to certify for benefits ( you do this every XXXX weeks ), I was told XXXX already been done on the XXXX over the phone. This money was released to Money Network and I never received these funds either. Money Network was unable to tell me where these funds when. Also on XX/XX/XXXX, I received a notice that I would not be reimbursed for the money that had been stolen, as they had electronically verified the account. Meaning, they used a PIN when making the purchase but thats because the fraudsters opened set their own pin when they activated the card! So at this point, both my XXXX account and Money Network card have been fraudulent stolen/used. Ive spoken with XXXX and they said this is on Money Network and they can not assist, though everyone is in agreement that the XXXX are related and likely the result of a professional fraud ring. 
At this point, XXXX down thousands of dollars, Money Network wont return any of my calls or emails, and XXXX behind on my bills. 
This is UNACCEPTABLE as this was stolen from me and XXXX now forced to spend money on late fees, etc because they wont do the right thing.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I was one of the original cases of fraud with Wells Fargo Home Mortgage in XXXX. We were over our heads due to my ex-husband being " Furloughed '' multiple times per month. We had our home on the market and had a renter who was paying us and we were paying the mortgage company and had never missed a payment. We were moving to XXXX  from XXXX  XXXX  for my husbands ' new job. I called during our move because my final paycheck ended up going into someone else account, due to an error at the University I worked for. I called to tell Well Fargo that the payment would be a week or two late, because of that. I was asked if I wanted to go into forbearance. I said no. From that month on, when I made a payment, it came back to us and I was unable to get an answer as to what was going on. Shortly after our renter started getting foreclosure notices on the door. Wells Fargo even took out an insurance policy of their own on the home, telling me I didn't have one, and billed us for it. It was nearly 4x what my policy was in cost. 
Our renter, having decided the foreclosure notices were accurate, despite me telling him it was not true, split, leaving the house a mess and not paying for several months rent. 
We finally got an offer on the home in less than 6 months. My agent and myself kept sending documents for a short sale approval. For another 6 months, Wells Fargo said they didn't have the documents, they couldn't read them, and more excuses. I even paid {$40.00} to OVERNIGHT and SIGNATURE REQUIRED delivery. Those documents I was told were unreadable when uploaded, same as all the others. I even used Well Fargo bank in XXXX XXXX to fax the papers to the correct department, and we were told they were still unreadable. 

Needless to say, after the buyer backed out ... don't blame them. We filed bankruptcy to get out from underneath the nearly year and a half of XXXX I went through on the phone hours per day with countless individuals. I may multiple complaints to the Office of the Comptroller and every agency including XXXX  and more. We got a {$4.00} check years later and otherwise have never heard anything else. A friend today sent me an article about Well Fargo finally paying out up to {$24000.00} for mortgage fraud and that they were supposed to contact us. I have YET to hear from anyone and if there is anything I can do to get even just a fraction back, I would be thrilled! I have been unable to get financially stable since this event and it led to my divorce and in part to my XXXX XXXX at age XXXX. 

I still have most of the documents from this and can prove everything. Please let me know what I can do now.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

I recently disputed a claim from this company that I owe them monies to which they were unable to, on multiple occasions, provide me with the verification I requested. They removed the items from my credit report only to repot them again under a different abbreviated name.
Consumer complaint received 2021-09-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I have an agreement with my mortgage company ( Pennymac ) for them to pay my real estate taxes out of an escrow account. I recently ( XXXX ) received a notice of delinquent real estate taxes from my county advising me my home will be put up for sale on XX/XX/XXXX if payment is not received. The payment was due XX/XX/XXXX. 
Pennymac is notoriously difficult to deal with on the phone ( hard to get through to an agent, agent is not knowledgeable ), so I sent a message to them through their internal Website messaging system. I am waiting to hear an explanation for how this could be and that they will be paying the past due amount immediately and will include payment ( out of their own pocket ) for late charges and interest fees.
Consumer complaint received 2021-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

The practices of this company are oppressive. They are purposefully dragging there feet in processing my application. I have turned in information to no avail. I turn in information and it takes 4-5 days for a response. When I call I leave messages. I have called and every time they say they need a different document. I send in the document the same day and then I don't receive a response for five days. I am slowly accumulating more missed payments. If I'm not approved I have to come up with the amount due.
Consumer complaint received 2021-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have filled out all proper forms previously. X 2 I'm now getting calls w/no name given only # 's about garnishment. 
Ive been a XXXX XXXX  for XXXX yrs. Full time for XXXX of those years & grandfathered in as Full-part time for last XXXX yrs. 
Why have I not been offered the forgiveness & I must continue to fill out the same type forms. 
My tax refunds were kept in 2019 then later given in XXXX - XXXX as I had been paying the payment agreed upon. And fought w/IRS for the evidence of why refund was kept. The covid happened & now credit report states no paymens XXXX delinquent payments of 180 late payments. Savi agency has worked w/me repeatedly to also find that the agency will not anser the calls or return calls I've left with credit agency
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

i recieved a credit card in the mail from XXXX XXXX which i never applied for so i disregarded it until a few months later when i was going over my experian credit report and noticed luckily my score was down XXXX points from very good to good due to lack of payment. since i never make a late payment and my payment history is perfect i looked further to see that it was XXXX XXXX who own the XXXX XXXX XXXX XXXX. i have spoken to XXXX XXXX over 15 times ( first time XX/XX/XXXX XXXX ) and explained that this is fraud and was assured by the rep that it would be reported as fraud and the credit agencies would be notified as suchXXXX XXXX XXXX however did not report it as fraud, they reported that they believe the information was accurate about my payment being late and although they assured 10 different reps that the account has been closed. not one thing that XXXX XXXX or XXXX XXXX  has told me has been the truth. they have lied or misrepresented every communication or information given to me. even with my exceptional credit history Experian has done nothing to protect my credit rating. aftyer multiple frustrating attempts to get Experian to help my case i was last told by them that fraud or identity theft is not their problem i should call the police or fbi. i am a 30 year employee of the XXXX XXXX sheriffs dept. working in law enforcement so i couldnt believe my ears. i was given experian by my employer because someone attempted to open a unemployment case under my name fraudulently over a year ago. experian was given to all of us at no fee to monitor and keep our identity and credit safe and the opposite has been done. as of today the XXXX account remains open with negative late payment reporting continuing on my experian credit report and my score continues to go down. i reached out to XXXX one more time but they refuse to look further into the fraud. this credit was never activated and of course never used and rhere are no charges on it. i believe it is ther activation fee they has has not been paid and refuse to close the account unless it is paid. it is criminal but there is no recourse against this co. respectfully submitted. XXXX XXXX