davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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. (MN)

Navient is practicing fraudulent and deceptive practices with its student loan repayment processing. When attempting to repay student loans Navient calculates the amount due three ways ( 1 ) Total Amount Due ( 2 ) Current Amount Due and ( 3 ) Unpaid Fees. Navient has two options to repay those amounts ( 1 ) Quick Pay which is the Total Amount Due OR ( 2 ) Custom Pay which allows you to manually input payment amounts totaling the Total Amount Due. However, this is a fraudulent and deceptive practice because the Borrower is forced to pay the Total Amount Due regardless of intention or desire. The Borrower can not pay the Current Amount Due or Unpaid Fees as the system would suggest. ( See attachment for clarity ) Further, when attempting to complete a Custom Pay Navient forces the Borrower to pay the Total Payment Due ( rather than the Current Amount Due ). The repayment tool does NOT allow the Borrower to pay the Current Amount Due.

The fraudulent and deceptive practice becomes even more apparent when attempting to make a payment to Unpaid Fees. When selecting to make a payment of Unpaid Fees the tool calculates the Unpaid Fee amount and submit that payment amount toward interest and principal, NOT toward the Unpaid Fees as the system indicates. Thus, the Borrower CAN NOT pay the Current Amount OR Unpaid Fee Amount. 

In this case, the unpaid fees occurred in XX/XX/2012. Thus, Navient has been calculating and receiving an additional {$81.00} per month and allocating it toward principal. Borrowers under IBR plans have been paying, and Navient has been receiving, amounts that are more than required under law. 
It took me 8 years before I figured this deception out. I am sure hundreds of other Borrowers are incurring the same fraud and deception as I have, costing them hundreds and thousands of dollars per year.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-10
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. (CA)

I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-06-10
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. (CA)

I applied at XXXX XXXX  today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX  XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-06-10
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
Fifth Third Bank didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with Fifth Third twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from XXXX  today ( XX/XX/XXXX ) stating that Fifth Third would yet again NOT accept this even though I submitted my proof.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

In 2017 I was with XXXX. XXXX  told me that if I switch from XXXX to their service they would pay my balance at XXXX. So they ported my number from XXXX and gave me the account. When I called about the balance they said to send them an email I sent them over an email with the XXXX bill and they never handled it. Now I am having financial hardship because there is an outstanding debt with 11 XXXX Enhanced recovery company.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

I was sent an email by Bank of America on XX/XX/2019 that my card number had changed, and that I would need to update any vendors who charge recurring payments to my card. The email included the name of a specific vendor with whom I would need to update my payment information. 

I was not using my Bank of America credit card, and I had no wish to receive services from the vendor mentioned, so I did not inform the vendor of a card number change. 

Sometime, unawares to me, in XXXX or XXXX of 2019 the vendor mentioned in the email by Bank of America successfully charged my new credit card, even though I had not given them the new credit card number. 

I had not used my Bank of America credit card for any purchases in months, and did not notice the charge until months later. When I called Bank of America on XX/XX/2019, I offered to pay the amount that was charged anyway, but asked that they waive any late fees or interest. The representative I spoke with told me that he couldn't offer to waive any fees on that call, but that I should call back. 

When I called back on XX/XX/2019, the representative I spoke with told me all of the fees and interest had been waived. 

I thought the matter had been resolved, but then received another bill from Bank of America for a bunch of late fees. 

I've had multiple conversations with Bank of America representatives since then. Every call begins with a message, " Your call is being recorded. '' One of the reps promised to listen to the recording of the call that I was told the fees and interest had been waived, and that if I was told the fees were waived, that she would take care of it. She called me after listening to the call, admitted to me that I was told the fees and interest charges were waived, but that Bank of America still refused to honor what I was promised. 

Giving up on the Bank of America call center, as they appeared to have either no interest or authority to fix the Company 's error, I sent a letter registered mail to their offices in Texas and Delaware. I've yet to hear back from anyone at Bank of America, but continue to receive new bills with new late fees. 

I have called Bank of America to inquire if they've fixed their error, but the people I've talked to admit that they are powerless to fix anything. They acknowledge their error, but have no ability to fix it. 

It's silly that my only recourse require litigation. The amounts aren't large, and it's cost prohibitive to seek such remedies. Giant banks shouldn't be able to push people around this way.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NY)

I am writing in today in regards to my account with Lincoln Auto Finance Account # XXXX an inaccurate late pay is reporting in XX/XX/2021. I have tried to get a copy of my original contract with no avail. I am therefore requesting a copy of the original contract along with full payment history.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Charged overdraft fees for charges not made by myself. I've had to have my debit card replaced several times due to unauthorized charges that led to having overdraft fees not returned to me. 

Dates included : XXXX for an unauthorized charge of {$16.00} plus a {$35.00} overdraft fee unreturned. 

XX/XX/XXXX Unauthorized charge of {$8.00} plus {$35.00} overdraft unreturned. 

XX/XX/XXXX Unauthorized charge of {$44.00}. 

XX/XX/XXXX {$10.00} charge and overdraft fee unreturned. 

XX/XX/XXXX Two unauthorized charges of {$29.00} unreturned
Consumer complaint received 2020-06-10
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. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Between XX/XX/XXXX till XX/XX/XXXX I was " scammed '' by a gentleman identifying himself at an officer of the Federal Trade Commission of the USA, XXXX XXXX. During this time frame I was directed to make multiple cash withdrawals from the Chase checking and savings account. I was told my identity had been stolen and it was used to create at least 10 bank accounts that were now being used. To demonstrate my innocence to this man/process, I was directed to " secure my account or secure my funds '' by withdrawing cash from both by checking and then savings account. Over the period of days I withdrew XXXX. 

I feel frustrated in that while I have reported this to the local police department in XXXX WA, the Federal Trade commission website and multiple departments with Chase Bank there is no help for this type of crime. 

There is NO restriction from banks on withdrawing large sums of money on a daily basis. There is no check by the bank locations to screen for possible fraud/scam when unusual amounts of money are requested on a daily/bidaily basis. 

I do have copies of bank withdrawal slips and also receipts from the Bitcoin ATM machines in XXXX WA that I placed the thousands of dollars in. I also have 2 phone numbers that were used by the Scammers to call me/text me to about this crime that was committed. 

The FTC Officer was XXXX XXXX His phone numbers use were XXXX XXXX and XXXX
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (GA)

My account with XXXX was included in a recent bankruptcy proceeding. Due to the fact that I wanted to keep the vehicle I have continued to pay. Recently when contacting XXXX for a payout, I was told that {$1400.00} was remaining on the loan and the estimated maturity date was XX/XX/2020. These totals don't add up, if the account is estimated to mature ( meaning done with payments/loan obligation ) than the amount should be {$940.00}. This was the exact arrangement discussed between XXXX and my attorney upon reaffirmation of the debt. 

After speaking with a representative today, I was told that they don't know when I will be paid out from this account and they couldn't give me an exact maturity date due to fees and other reasons on the account. 

I feel like since this account was included in my bankruptcy proceedings and I chose to keep the vehicle ( for the record, this account was in good standing prior to the bankruptcy proceeding ) I am being scammed with fees and additional money to extend the maturity date. I feel they are aware the repercussions if I do not continue to make this obligation and the effects it would have on my credit after the bankruptcy. I feel like this is a shark way and they continue to manipulate people with fees based on their circumstances. It is predatory lending at it's finest.
Consumer complaint received 2022-11-23
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-10
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. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for tis and I will always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on the application are not mine. Please remove these items from my report.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (GA)

I've written Equifax about a collection account ( XXXX XXXX ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. This account should be deleted from my credit reports. It is sole the responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? 
Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. 
XXXX XXXX also stated that they never had a contract with me or original signed document so how can this just be placed on my credit without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditor.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MN)

I tried to unfreeze my credit report with Equifax. I went online and used my email account and password. The computer said it was invalid. I used their phone number. The computer said they were unable to verify my information. The computer voice said I could fax them a letter. I prepared the letter with the information they required. The fax number they gave is no longer in service. There is no way to contact Equifax to get my credit freeze removed.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (IL)

Was notified through XXXX  that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted BMO harris Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects 90 days past due payments. Which I have proof of timely made payments. 

Bmo harris said they will do some research and get back in contact.
Consumer complaint received 2019-02-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

On XX/XX/2018 I submitted to XXXX XXXX XXXX XXXX an application regarding my exemption from state property tax. It has been three months since I submitted all the paperwork required for a tax exemption. I have called numerous times with no avail.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I have noticed all my funds has been withdrawn and Citibank customer representative confirmed that my checking and savings accounts has been closed due to reason they can not share. The representative confirmed my billing address and told me that I will know the reason of account closure in mail. Until today XX/XX/XXXX I have not received this mail. 

I went to a local branch ( the exact location where I opened my account ) XXXX XXXX XXXX XXXX Citi branch on XX/XX/XXXX and the banker told me that they have mailed ( XXXX ) my remaining funds in checking/savings account in two separate shipments. Even today I still have not received this check. I then chatted with online chat person to check on my shipment and told me that the shipment has been returned. No exact reason was mentioned and yet again confirmed that my billing address is correct. 

I then went to the branch again today XX/XX/XXXX to talk about my funds. The personal banker told me that they will have to resend it and the resending process will need to be done manual my the banker in present. The banker was extremely eager to talk to new customers and wanted to get rid of me due to the fact that I am no longer their client and don't bank with Citi. Yet again, I have not received confirmation from the bank officer that the resending process has been initiated and don't know the status on my funds. I want to emphasize this point that there is a clear discrimination/priority against closed client vs. new clients. In certain extent I understand this but, the account was closed by the bank and not by me. This is no way a person should be treated after being a loyal customer. 

This total ups to 3 separate attempts for me to re-collect my funds and Citi has been avoiding/not giving clear status/deferring action against the return on my fund. This seems like a clear violation of Reg and who  knows if they are using my funds to for prop trading/bank loans etc. CFPB please investigate this
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX