davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

On XX/XX/2023 I made a payment through the Bank 's website, today XX/XX/XXXX payment has not been applied called 2 days ago and spoke to someone by the name of XXXX XXXX and she informed me that she would notify the company that processes it, this morning I checked the account and nothing has been posted yet, I decided to email XXXX XXXX and she had no idea why they haven't applied the payment, this is not the first time this is happening so I decided to take action.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX/XXXX/16 I called TD Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

I was a Citi customer up until XX/XX/XXXX when my account was closed suddenly for reasons unknown to me. I also have not received my funds and was given no other information than it will be available in XXXX days. I will become homeless if I do not get this money. 

Mind you, ALL of my money to my name was in Citi. This is money I have saved from the age of XXXX XXXX XXXX. I have worked to put myself through school and worker multiple jobs while attending school all for this money that has been taken from me by Citi. Meanwhile, I have bills and payments due including RENT and have no access to any money. I have no funds for food and will be evicted in one weeks time if I do not get my money. I have been in contact with customer services 15+ times in the last 2 weeks and have gotten no resolution. 

I have filed a complaint with the OCC and XXXX XXXX XXXX  and have gotten a response from the Citi Executive Response Team and they told me the same thing I have heard over and over, I can't get my money for 60 days. 

I am requesting kindly that you can have somebody release my funds either by expediting my mailed check OR temporarily unlocking my account to allow me to move them to my new account with another bank myself. I hope you can understand that many people can not survive without access to funds. I have already had a late credit card payment thanks to all of this not to mention the mental distress and fear of homelessness. I kindly hope you can assist me in some way.
Consumer complaint received 2021-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I reached out to PROCOLLECT , INC about a debt that was being reporting on my credit report from XXXX XXXX XXXX. I first reached out to XXXX XXXX XXXX  MANAGER FOR PROCOLLECT , INC VIA EMAIL at XXXX. I asked to be provide validation documents of the debt. On Friday XX/XX/2021 I received a email from XXXX XXXX the Assistant Director of Correspondence & Bankruptcy Resolution for PROCOLLECT , INC with a document of charges that wasn't legible and was faded. On Monday XX/XX/2021 I reached back out to XXXX XXXX XXXX an asked to be provided a LEGIBLE DOCUMENT OF MY CHARGES. She then provided me an document that has been tampered with.
Consumer complaint received 2020-02-09
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. (MO)

My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}
Consumer complaint received 2019-07-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX Being the first is being paid off, XXXX is demanding {$59000.00}. We only have $ XXXXto give them in the transaction which means {$34000.00} would need to be paid by XXXX at settlement to avoid foreclosure of the first and settle the transaction. 
The bank has stated this is their final offer and will not negotiate. 
I suggested the bank approve receiving {$24000.00} and provide a note for the balance and they are refusing. I have requested a supervisor to try to resolve but was advised there is nothing further XXXX will do. 
There is nothing further I can do at this time. 

How can this be? Per your email dated XX/XX/19Hello please advise your clients the offer has been declined. Foreclosure is scheduled for XX/XX/XXXX. 
Please provide a release. 
The bank is demanding a purchase offer of no less than $ XXXX XXXX please relist the property asap and advise nothing less than the {$130.00} will be accepted. If buyer wants closing help they will need to increase price/offer. See our title calculator for help ; XXXX XXXX you led everyone to believe that the bank communicated to you the amount they wanted to avoid foreclosure. The buyer offered the exact amount ( {$130000.00} ) only for you to come back a month later with this ridiculous response. You need to go back to whoever you've been dealing with and let them know that this is unacceptable. They wanted {$130000.00} - or did they? And they got {$130000.00}. Therefore, they have to accept that amount. 
I've negotiated short sales on behalf of my clients with different lenders and I've never seen a bank counter their own counter. 
I do not think this transaction was handled very professionally. I am very disappointed. You had people jumping through hoops changing this, fixing that, and correcting this - all for nothing? It took six months and two offer to let the homeowner that her home will be foreclosed. What a complete waste of time. 
The homeowner is devastated. I can see why she feels that way. Please make another attempt to contact the lender and see what can be done to prevent this foreclosure.
Consumer complaint received 2016-03-16
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XXXX XXXX I completed a VA compromise sale on a property that I owed {$130000.00} on. The mortgage lender, PennyMac, received proceeds in the amount of {$61000.00} on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the VA wired funds in the amount of {$34000.00} to Penny Mac on my behalf per the VA guarantee on my loan. XX/XX/XXXX, I received a XXXX from Penny Mac in the amount of {$72000.00}. After contacting PennyMac on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I was told on XXXX/XXXX/XXXX that PennyMac would not count the VA funds paid on my behalf in credit to the amount of debt they forgave. They state that I owed them {$72000.00} so that is what is reflected on the XXXX. Despite the VA paying funds on my behalf, they are unwilling to revise my XXXX. The amount of the XXXX will be counted as income when I file my taxes and I feel that the XXXX should reflect the amount of debt actually forgiven by PennyMac. They received an additional amount of money on my behalf that I will have to now pay taxes on and my VA benefit eligibility is suspended until I can pay that money back to the VA. The XXXX does not reflect the true loss to the company.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

I submitted a request for XXXX to determine how many payments I have made during my loan history qualified for public service loan Forgiveness. This request was made in XX/XX/XXXX. The request has not been completed as of today ( XX/XX/XXXX ). When speaking with XXXX, they said that payment review is incomplete because Navient has not sent electronic records to XXXX. It has been over 10 months! This is unacceptable, negligent and fraudulent.
Consumer complaint received 2019-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

Experian lowered my score by 14 points on XX/XX/26. When I called on XXXX for an explanation they could not give me one. All of my accounts are paid on time, i did not have any collection accounts, nothing changed on my report. The other credit reporting agencies did not lower my score. The person who assisted me on the phone clearly stated that he could not explain why. This changed my rating from good to fair, i spent alot of time fixing my credit and this is very discouraging. I STRONGLY SUGGEST that the government investigates Experians practices as they are now offering the chance to put your utility bills on your credit report to increase your score. They charge for this service. Now if they randomly lower your score for no reason that may prompt most people to use this service. I am demanding that my 14 points get added back to my fico score as there is CLEARLY no reason for my score to be decreased OTHER than illegal marketing tactics to use the new service that they are offering. Please investigate. Thank you
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX  ARE PAY ...
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MD)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$460.00} / XX/XX/2021
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I am still waiting for Fedloan Services to publish the ability to recertify my income for my income based repayment plan. XXXX had me in the most expensive IBR instead of REPAY. I requested the least expensive option when I applied for the initial IBR from XXXX   because I was going to apply for public service loan forgiveness after 120 payments. 
My original payment was hundreds of dollars more than it should have been but I trusted that XXXX knew what they were doing. I had to have my payment recalculated last year to the repay IBR and it took so long to process Fedloan Services was sending me payment notifications for $ 1400+. Then when my payment was finally recalculated they made it so my new payment would not count for the first month against public service loan forgiveness. I also had to request a deferment for a month for the last 2 years because it takes so long to have them process the annual recertification. Once the magical new payment is calculated there is absolutely no time to budget for the new calculated payment causing a significant hardship and payments that dont count towards PSLF because they took so long it was either enter deferment or cough up $ 1400+ for a non IBR payment until they finally figure out their recalculated payment or risk my financial future and jeprodize my security clearance. 
There is no reason why the loan recalculation can not be done with months for the individual to plan for the new payment. 
Tax filings are due every year at the same time. They are using that information to calculate the new payment. There is no reason why if it takes months for a computer system to apply some magical formula that it can not be a process that starts in XXXX, the new payment is calculated by XXXX and the individual starts paying the new payment in XXXX instead of the current process that causes absolute anxiety and unnecessary deferments. 
My payment is always out of wack because my husband is XXXX XXXX military and his income changes depending on whether he is in a XXXX XXXX and his income is used to calculate my payment creating a marriage penalty that non married individuals do not have. If they were my husbands loans SCRA would apply ; however, it doesnt even though youre using his income for payment calculations. So it is ok to put a military service member in a financial hardship if it is the military spouses loans but not ok if its their loans. If the military service members income is used to calculate my payment then SCRA should apply regardless of whos name is on the loan. 
My calculated payment should be based upon my income as a government employee and should not have anything to do with my spouses income because a single person paying 10 % of their disposable income pays less than what the marriage penalty is.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase is reporting two accounts that are very old. I have requested payment history directly from the company and what they send is nothing more than a generic letter. I need the full history because the two accounts I believe to be past the statue of limitations. I need the full transaction history for both account number ending XXXX and XXXX
Consumer complaint received 2017-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (WA)

In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Collection Agency, Inc. (CT)

There seems to be a bunch of confusion over at Atlantic Collection Agency. I called them a number of times to verify an open balance of {$1200.00} owed to XXXX XXXX XXXX. They confirmed that was the only balance that I had, so I paid what they told me, and that was {$900.00} to close the account as paid in full. That was on the XXXX of XXXX and should have been reported on the XXXX of XXXX. I noticed that it wasnt remove so I gave them a call. After a lot of back and forth they realized that they've been mixing up my name in their system, placing my last name as my first, and vice versa. They're now saying the balance that I paid was actually for XXXX XXXX, and a balance is still owed to XXXX XXXX. I'm not sure how that is possible if it was paid back in XXXX of 2018, and they even reported it as being paid. The balance that I just paid doesn't even amount to either debt that I owed, but at this point they've been paid twice.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

The calls are never ending and they call as late as XXXX. I got a loan through Navient in 2004 for a school called XXXX in XXXX Fl, later to find out that school isnt credited.They later changed the name to XXXX but the credits dont transfer and Im stuck with a XXXX $ bill that keeps increasing. I took two classes and only attended a semester. The school is fraudulent and I shouldnt have to pay.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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 Bankruptcy Reference # : XXXX. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX I received three emails claiming the loan I applied for was denied because of my credit, well the thing is I haven't applied for a payday loan with any company in over a year. When I replied to the email the company said if I check my paperwork it will tell me that they are loan provider. I didn't understand because they assume I knew about the loan but that I didn't know it was from them, I further explained I never applied for a loan well on today 's date XX/XX/XXXX at XXXX I received another denial letter about a recent loan. I asked for proof of this loan they claimed I signed and all I received was another email of a recent loan denial.