davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My husband and I had a boat loan with USAA in XXXX. 

My husband died in XXXX. I made payment until XXXX when I decided to sell the boat. I also paid over the loan amount due to having a higher balance then the sales price so USAA agreed to allow me time to sell it without making a monthly payment, since my husband died. They agreed to not hurt my credit yet they did. 

They were unprofessional with the buyers lender and lost the loan info and lost the payment check they received. I almost lost the buyer. I reported this for years begging for credit corrections. The boat was finally sold with a trailer and engines once they got the paperwork right. That was in early XXXX Credit remains incorrect and damaged. 



Im XXXX I needed to buy a new car. I was given a higher interest rate bc USAA had XXXX in debt in my ratio, as they stated I had never paid the loan off. This caused my car interest rate to be higher then I deserved but I had to turn my our family car over to its lender since my husband died. USAA was called again and took months to remove the debt. They agreed they were wrong yet again but that hurt my interest rate. Did not have time to beg them to fix it. I am self employed so my credit is important to me. 

They now ( XX/XX/XXXX ) have a UCC filing against myself and my late husband bc they state we did not pay off the trailer that was part of the boat sale. 

I received a title in my late husbands name last week. Title made out to a deceased man who they know is deceased. Also a title we dont have any rights to because I sold that trailer with the boat in XXXX. This means that never released the title to the buyer. I told their Coorporate office this in XXXX and they did not care about the incorrect UCC filing. I asked them to send me something in writing stating they agreed this has all been handled wrong and they refused. They have not returned calls either. 

I am still begging them to remove the inaccuracies from my credit and send proof of their errors. They have denied my credit appeals and violated lending laws when my credit monitoring company had me request documents they failed to provide. 

Please help. Please.
Consumer complaint received 2019-10-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (MO)

I submitted an application online with XXXX Card on XX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card  to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (FL)

Yes I have an account with NetSpend and money has been deposited in the last 3 months I've tried anything several times to access this funds and even one of the security questions to get into the fun are they count as it has been money for positive in the last 3 months and when I say no I don't get into it when I say yes I get into it there's money in my account is coming confirmed by 3 employees there however every time they put me through the automated system wanted to activate a car that I do not have I believe they are aware that that I don't have the card and think that I wasn't aware of your friends that were coming their scam scam scam scam and my phone has been compromised and I'm in the process of finding appointment to get XXXX to send over all data can you please help access this funds
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted an application online with XXXX XXXX onXX/XX/19. I was approved for the Card. However, I never recieved the card due to XXXX closing my account. I contacted XXXX on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for XXXX card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER XXXX CARD.
Consumer complaint received 2019-10-03
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. (DE)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2019-10-02
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)

To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. Equifax and XXXX  have violated my rights under the FCRA and have refused to properly investigate my dispute.
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

Shellpoint mortgage servicing refuses to update my credit profile as current with payments. Have reached out to them by phone and email on numerous occasions. XX/XX/2018, current with payments, on XX/XX/2018, instead of reporting current payments they reported as 90-119 days  delinquent, then on XX/XX/2018, they reported as 91-120 days delinquent. I have tried to get them to update information correctly and they refuse.
Consumer complaint received 2019-04-08
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: Westlake Services, LLC (PA)

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-02
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. (TX)

XXXX and XXXX have failed to acknowledge my dispute and correct my credit report. Experian has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have been a Banana Republic Credit Cardholder since XX/XX/XXXX. I have always paid this card on time and have tried to keep it in good stance. I found out today XX/XX/XXXX that my account was reported to the credit bureau and Synchrony Bank Closed my account. I had called the bank and explained that I was in the hospital for almost 4 months for a preexisting condition. I have never missed a payment and called them to advised to them of the information as to why I was not able to make payments the last 4 months. I also explained that this was not the only account that I was doing this reporting with because of the circumstances. I was never sent and email, txt notification, or mailed letter to tell me why my account was closed. I called back in XX/XX/XXXX and spoke to the customer service department about the issue and also advised that there was a payment on that was canceled due to it being set for the wrong amt. I know that payments need to be canceled within hours before XXXX if not it will process and the person will not be able to cancel. 
XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU {$120.00} XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU ( {$120.00} ) canceled online before the due date and was reassured that my account would be credited back this would not effect my account. However the interest would still apply even though my account was credit back the late fees the interest was not. also I do not see the credit report was updated to reflect corrections. so my report is showing that this account is closed and still has a high balance which as of today XX/XX/XXXX {$85.00}.
Consumer complaint received 2019-10-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Cell : ( XXXX ) XXXX Regards, Loan Number : XXXX I am writing this letter to complain about New American Funding, their mailing address is XXXX XXXX XXXX, XXXX, TX XXXX. This company holds my mortgage and they have falsely reported me over 30 days late to my credit reporting agencies. The months in question are XXXX, XXXX, and XX/XX/XXXX. 

I am attaching my payment receipts for the following : XXXX ( paid XX/XX/XXXX by electronic Debit ), XXXX ( paid XX/XX/XXXX by electronic check ), XXXX ( paid XX/XX/XXXX by official check ), and XXXX ( paid XX/XX/XXXX by official check ). 

On XX/XX/XXXX at approximately XXXX XXXX I called New American Funding and spoke with representative XXXX and provided the information. After keeping me on hold for over 10 minute, she returned and told me that I did not pay for XXXX and every month thereafter were late and that is why they reported the lates to the credit reporting agencies, I repeated that I paid within the 30 days and she insisted that the system says I was late and there was nothing she could do. 

After reviewing the Loan Activity from the New American Funding I discovered that I in fact paid XXXX, XXXX, XXXX, and XXXX well within the 30 days of which New American Funding falsely reported over 30 days late to the credit reporting agencies. This false report has caused me to be denied for credit and loans.
Consumer complaint received 2023-04-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$160000.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

A copy of my Identity Theft Report supporting my position has been mailed, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (KY)

XXXX XXXX XXXX SUITE XXXX XXXX, GA XXXX WITHOUT PREJUDICE To whom this may concern, Your company said I allegedly owe you money. I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION THAT YOU PROVIDE : 1. Validation of the debt-that is, the actual accounting. 
2. Verification of the claim against me ; that is, a signed Invoice. 
A copy of the Contract binding both parties ( me and them ), in a letter by certified mail so that GLOBAL LENDING SERVICES 3. there is an independent witness to it having been delivered.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, I applied the Citi Premier Card which include a welcome bonus of XXXX TYP after spending XXXX in the first 3 months. 
However, after I make over 5k purchases in 3 months still didnot receive the bonus. 

The CS told me I have same card previously and just closed on XXXX so I do not qualify for the welcome bonus. The closed card was under my husband 's name. not mine. 

I believe I am still qualify for the welcome bonus.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

As of the date of my last complaint, XX/XX/2019, I received a call from XXXX, an escrow analyst at BMO Harris, and she advised me on XX/XX/XXXX that the corrections had been made, the payment corrected, and the escrow overage returned. She specifically stated that the check would go out that day ( XX/XX/XXXX ). I followed up with XXXX on XX/XX/XXXX to clarify the amount of the refund, and to confirm that the check had been sent out on Friday, XX/XX/XXXX. She provided the refund amount, confirmed that the check had been sent, and advised that my new payment would go into effect XX/XX/2019. I had not received anything as of XXXX so I reached back out to XXXX and left a message. I also left a message with their escrow team as well. When I did not get a response from either, I call their customer service team. I spoke with a rep named XXXX, and he advised that the check was just sent on XXXX. I mentioned how frustrating this whole process has been for me, and he laughed and stated, " At least this is done now. '' First of all that is an exceptionally poor response when someone tells you they are frustrated and been dealing with it for almost 2 months. Secondly, I have no faith in the info provided as this is now the second date provided for when my refund check was sent. Thirdly I have no faith that my payment will actually adjust.
Consumer complaint received 2019-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been paying loans for almost XXXX years and am trying to get a better grasp on my debt. I have reached out a number of times to Navient to try to understand a few things that don't seem to make sense or aren't shown on the website, but their explanations are vague and sound like the customer service is making up explanations or just dodging the questions because they don't actually understand. The calculations for how my payments are going to the interest and principal don't make sense - the math as they show it on my account history doesn't align ( the way it appears, a portion of my payment is disappearing each month ), and they have not had an actual explanation for it. My account shows like it has been going in an out of overpayment and huge charges are being added but only the explanation I received was " we have had some changes in our system. '' I asked for detailed information about my loans and the interest accrued and projected, how my graduated payment plan works and how the interest is affected by it, but was told they do not give that information. I had to actually explain how loans work and what I understood about my payment plan because the woman I spoke with did not understand. She wasn't even familiar with most of the common loan terms I was using in trying to get information. I asked to speak with a specialist or someone who might have more knowledge and she put me on hold temporarily, but came back and told me she was going to send me a loan document that explained everything. I received it the next day and it contained none of the information I was trying to get - it showed only my initial balance and current balance. I legitimately felt like I was being taken advantage of and that there was something unfair going on which was why they were refusing to explain the things I was asking or provide the information. Given that they are managing such an important issue, it is unacceptable that there should be so little clarity with their customer service.