davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI (NC)

I recieved a credit monitoring alert that there was a new collection that was placed on my credit report from General Revenue Corporation. The law states that they have to notifiy me to vaidate a debt. I have Not recieved a call from this company nor have I recieved any other correspondance. They placed a {$440.00} collections debt on my report which The balance is {$0.00}
Consumer complaint received 2021-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I am a co-signer and make notations on each payment stub the allocation and additional funds to be applied to the principal. Navient once again, misapplied payments. Total amount paid for XXXX which they received XX/XX/XXXX 4 bills ). Loan # XXXX paid XXXX they applied {$330.00} XXXX ; # XXXX paid {$150.00} they applied XXXX - {$100.00} ; # XXXX paid {$200.00} they applied {$100.00} - {$100.00} ; # XXXX paid {$120.00} they applied {$92.00} - {$30.00}. The misappropriation of loan # XXXX caused additional accrual of the awful interest algorithm linked to student loans. Each month I write explicit directions on each payment stub and the total amount paid across the four loans. I also take photographs of stubs and check. The deregulation of student interest rates in XXXX continues to add to the coffers of Navient/Sallie Mae adding life long stress to their underemployed student borrowers and their co-signers. I have been going through these struggles since XXXX and advise all to never take out private student loans. I learned of the deregulation after much research in XXXX. Had my sons and I known of the deregulation, they would have attended local state schools avoiding these horrific interest rates and the consumer manipulations of XXXX year old borrowers. In addition, the principal is a combined original loan and left over interest from Sallie Mae ... rolled into a new principal that Navient charges interest on. Very manipulative and sneaky. Thank you.
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

DATE:XX/XX/2020 AMOUNT : {$1100.00} CALLED THE COLLECTION AGENCY AND INFORMED THEM THAT THE ACCOUNT WAS NOT MY ACCOUNT AND THEY SAID IT WAS NOT ANYTHING I COULD DO ABOUT IT.
Consumer complaint received 2020-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX we got a notice that our mortgage was 60 days late. I immediately called Truist Mortgage on XXXX to speak with someone. She told me that the payments had started in XXXX and that I should have been making payments since then. There was a phone call on XXXX I spoke to representative about the missing documents I had to provide and asked if I needed to make a payment, he said not to make a payment until I had gotten confirmation that the modification had been completed. I got the letter dated XX/XX/XXXX XXXX XXXX at the end of XXXX. So, I figured I would need to make XXXX payment as normal but that was not the case. I am 60 days past due now and no one from this company ever called me to collect a payment and was told not to make payments. This was an issue last year when we did the first modification, I made a payment, and they posted it incorrectly and had to start the process all over again. So that being in the back of my mind I was told not to make payment I agreed due to the past mistakes they had made. I have talked to several people since then still no call back from a supervisor. I have filed a correction for our credit with the form they provided but even then, I was told it might not be approved. My husband and I have worked hard on our credit and this 60-day hit has really hurt us. Still, no one at this company has taken responsibility to not notifying me that no payments have been collected but they can send me a Breach letter and count me 60 days late. This makes no sense. I work in the mortgage industry, and I know for a fact there is a process before a breach letter can even be sent. She confirmed that no calls were made for collecting of a payment. I just want our credit fixed I am going to make the payments to get the account current due to this miscommunication with them. I just don't know how they have no one I can actually speak to about credit reporting. To plead my case. They told me to call back on XXXX to see of any progress has been made on the credit dispute. I just feel no one was willing to help me figure this out. Or even admit that they should have called me. I mean if I was missing money I would definitely be calling to collect it but again no one called me. She even saw no one touched my account for the month of XXXX until XXXX when I actually called them.
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (FL)

BMW Financial credit reported as late payment the ballon payoff for my vehicle loan. 
BMW states that the ballon payoff was due on XXXX. BMW deducted the a regular monthly payment on XX/XX/2020. This was right in the middle of the Covid crisis. 
I called BMW to notify that my son and daughter had covid. I was under the quarantine and ask if I can pay thru a Wire transfer and BMW refused to accept the payment method stating that it was company policy. I told BMW Customer service that Puerto Rico Governor 's Executive orders were one of the most severe Covid lockdowns of USA. I explained to BMW that under the lockdown and my quarantine, I could just go to the bank due they required an appointment and the only date available provided by the Bank was XXXX XXXX. BMW reply was that it was company policy and they could not make exceptions. I had to wait until XX/XX/2020 to make the Managers Check and they received the payoff payment of XXXX XXXX ( 34 days later ). I called BMW financial to ask for my history payment and to see that I never missed a payment in 5 years! This is discriminatory against someone who lives in Puerto Rico and following local Governor 's Executive orders and the XXXX for XXXX XXXX and XXXX Guidelines.
Consumer complaint received 2021-07-30
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. (WI)

I'm to understand that XXXX XXXX XXXX operates XXXX  XXXX XXXX. 
I've been battling with XXXX  XXXX XXXX and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my Experian Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. XXXX  XXXX XXXX  has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is XXXX XXXX XXXX that is reporting the inaccuracies, XXXX XXXX XXXX changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (NY)

XXXX XXXX XXXX and SEQUIUM ASSET SOLUTIONS 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can't furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt
Consumer complaint received 2022-03-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a debit card and a letter from Bank of America stating that I went over the limit on certain withdrawals and transfers from a savings account. I do not have a savings account with Bank of America. 

I called the customer service number on the debit card which I now believe to be fraudulent. I was transferred to the fraud department. I gave my social security address and home address. Numbers I called were : XXXX and XXXX
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AL)

Ive had Navy Federal for a few weeks now. Today XX/XX/2022 randomly during the day my card declined as I was buying lunch, before that my boyfriend sent me some money through Navy Federal and his account was PERMANENTLY RESTRICTED and the lady tried to argue him down the funds were fraud. I found out my card was blocked tried to log in to online banking but it gave me an error and told me to call XXXX ( XXXX ) XXXX I called and the hold times were HORRIBLE! I spoke with one department to be transferred to another just to wait over an hr and the rep XXXX XXXX told me It looks like another XXXX was logged into your account instead of maybe having me reset my username and password if that was the case she gives me this LONG drawn out speech on what I would need to do. Close the account, open a new account, and transfer the money to a new account. This is by far the WORSE experience ever and Im so glad I have back up accounts because I will be withdrawing my funds and going to another bank.
Consumer complaint received 2020-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I purchased this property in XX/XX/XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with Chase to refinance this loan .I purchased a house in XX/XX/XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered Chase always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .Chase has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXX.please help if I could just get it lowered a few points what make Chase think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be updated as soon as possible. 
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
Consumer complaint received 2021-03-21
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

Called the company on XX/XX/2020 to reduce the interest rate ( 16.99 % ) after the Federal Reserve cut their rate a full basis point to 0 % I was told that the bank was unwilling and unable to reduce the interest rate on the card which left me confused since I have a mortgage and other credit cards with single digit interest rates.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (FL)

I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX picture came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (MD)

On Monday XX/XX/2021 I called a number given to me on the XXXX/XXXX I informed the person that I was trying to connect my prime service to my TV so we could watch movies The person on the other end ask me for the code that i was given on my TV and ask that i open my apple phone and place it next to my XXXX that I was using which I complied next thing I know the person is asking me some questions that had nothing to do with the issue. 
I felt something was not right and decided to check my bank and that was when I realized that my bank account had been hacked Someone sent a XXXX payment to a person I do not know for {$1300.00} which cleared my checking account. 
They then proceeded to clear my savings account that was linked to my checking account with two transfers one for XXXX and another for XXXX I called M & T Bank right away and reported it and ask them to locked my online access and to issue me new ATM Cards. The following day I visited the bank personally and spoke to the teller who then call the main bank to see information she then ask some questions about XXXX and a XXXX XXXX, I told them that I have never use that service and after a few more question I was told. that I should hear from Bank after 72 hours On Wenesday I went back to the bank and was told my money was back in my account but upon checking I noticed that the savings account money was in back in my account because the hackers couldn't finish the transaction but the amount of the first XXXX transfer was not credited. When I called the bank I was told the credit was denied and the case was closed. I want the bank to refund my {$1300.00} plus {$110.00} overdraft fees charged to me because there was no money in the account when some of my other payments came in. 
anything you can do to help will be appreciated
Consumer complaint received 2020-03-16
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. (IA)

XXXX XXXX XXXX XXXXXXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2021-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI (NY)

I was a Student at XXXX XXXX. I transitioned from their FlexPath program to their Guided Path program. The Guided Path program had different financial aid requirements for the number of credits required to use financial aid. I was not informed of the 6 credit minimum to recieve financial aide. When I realized I was being billed for course instead of financial aide, I attempted to contact and resolve the issue with my academic advisor to no avail. 

I was turned into a Collection Agency, General Revenue Service. I notified them in writing of my above dispute and never heard back from General Revenue Service.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AZ)

This is in regards to an American Express Bluebird account. 

I went to sleep last night with approximately XXXX dollars in my account. I wake up my account is locked, permanently. I don't have a clue as to why. I call customer service at XXXX. 

I spent five hours on hold, and being transferred around. I am told there is nothing they can do for me. Im am told that I am to write a letter, yes write a letter, to Bluebird Customer Care at XXXX XXXX XXXX XXXX  GA XXXX to see what they can do. 

This is my entire paycheck. I have no money for bills, rent, and food. I have XXXX children who can not receive meals at school as they are now at home due to COVID-19 precautions. 

My last purchase was for a XXXX in XXXX AZ through XXXX XXXX  XXXX XXXX on Thursday XX/XX/XXXX at approximately XXXX for a hold on rental equipment. I have the receipt for this purchase dated XX/XX/XXXX at XXXX as this is when I returned the equipment, but it probably wont process as the account is locked. I do not know what happened. They wont tell me. All they said is my account is locked and they can not open it. After being on hold all day I am now contacting you XX/XX/XXXX at XXXX. Thank you for your assistance in this matter Restfully, XXXX XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I requested a credit freeze with TransUnion when my social security number was stolen and was being used for fraudulent tax returns. TransUnion claims they have no knowledge of that request. I made the same request with XXXX  and XXXX  in 2008. 
I have registered with TransUnion, but I can never login. I was recently told this was fixed and I did login once, today I can no longer login. I don't know if they just have bad IT or of this is a way of discouraging the public.