davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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. (GA)

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (AK)

As a XXXX year old I didnt know what I was doing this girl, said if she have my account for my bank shell send me the money and I believed, but she was doing all the loans in my account and now I owe the bank a lot and I dont know how im going to pay them unless she return it back she blocked me from XXXX and her number but I do have her nunber. She was telling me to send money to her XXXX XXXX but when I look at my bank there was no money, but somehow the money went through, so I thought I was trippin
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

My name is XXXX XXXX. I cosigned a private loan for my son XXXX XXXX XXXX since then Navient bought the private loan from the original lender who was Sallie Mae. The interest rates changed since the original loan and I contacted Navient just recently due to the fact that I am retired and XXXX and my son has become XXXX since then. Navient informed us that they would be sending forms for us to assist us but instead sent us a notice on XX/XX/2018 to inform us of an increase in repayment amount from XXXX a month to XXXX a month.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

A fraudulent charge occurred on my corporate credit card with Citibank for {$670.00} from XXXX, after my card was stolen on XX/XX/year>. After speaking to Citibank, they mentioned that they would credit this back to my card within 2. Billing statements. Its been over 2 years and they have yet to refund this to my billing statement.
Consumer complaint received 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Sallie Mae sold account to Navient. Since Navient my student loans have increased and the interest accruing can not double my loans. I attended XXXX XXXX XXXX  XXXX in XXXX and graduated in XXXX. In XXXX tuition was {$15000.00} per my carbon copy of our agreement. Sallie Mae disbursed {$15000.00} to the school of 2 subsidized and 2 unsubsidized loans. And I received a {$3500.00} pell grant. I also took out a private loan on my behalf at XXXX XXXX for $ XXXX and gave XXXX out of pocket {$2900.00}. Those figures equal {$21000.00} and tuition did not cost that much. Presently, Navient has my 4 loans at {$22000.00}. It has increased XXXX. The first 2 years I paid {$190.00} a month for close to 2 years. That is over $ 3K paid. The XXXX I paid doesn't even reflect on the account. I have had to put my loans in deferment, unemployment deferment and forbearance since XXXX. I feel Navient is not being honest. Student loan interest rates are from 5 % -6.8 %. My XXXX loan is now {$9400.00}, {$3500.00} is now {$4600.00}, {$2700.00} is now {$3400.00}, and {$3000.00} is {$4500.00}. During deferment or forbearance I thought interest is paid by the government. The initial tuition and disbursements are incorrect. The financial aid representative at XXXX at this time made consecutive errors with student loans. I am a XXXX XXXX XXXX XXXX and unable to go back to school as this debt is increasing. I have a baby and am XXXX. I am XXXX and working as a XXXX in the hospital setting. The XXXX role was demoted and pay rates declined. A XXXX was only make what a XXXX XXXX XXXX was and could only perform those job duties. As you now need a XXXX XXXX degree to perform XXXX duties in the hospital setting now. My income for last year was {$5100.00}. I am still making payments on my XXXX XXXX private loan that was XXXX and now is {$5600.00}. I make monthly payments of {$97.00} a month and paid {$86.00} a month since XXXX, deferring for a few months for unemployment and national disaster in the past. I would like Navient investigated regarding this matter. I would really like to attend school and to become a XXXX so my income can increase. I am unable to go back to school because of this burden. Please help. Thank you.
Consumer complaint received 2020-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

We applied for a loan modification. The loan matures in XXXX. The interest rate is 3.12 %. 
We are overdue {$22000.00}. The principle balance is {$150000.00}. Our current payment is {$1100.00}. We fell behind because our daughter is XXXX XXXX XXXX and has had XXXX babies she can no longer care for. We are in the process of adopting them. This si a costly process. we did not just arbitrarily, fall behind? 
We were denied because the lender said it would increase our payment by more than 25 % if they modify the loan? 
That is not true
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

A purchase in the amount of {$340.00} was made at XXXX online. The item was returned within the return period but no credit was issued to card. I contacted the card company and followed ALL of their protocols to resolve this issue but to date have not received the credit. I have contacted customer service fraud division multiple times, speaking to different representatives but to date still no credit. Unfortunately all of our correspondence with the card company, excluding the initial claim filing done by mail, has been by phone. 



XX/XX/19 XXXX  # XXXX XXXX , Tennessee POS Purchase ( Domestic ) XXXX XXXX  - {$340.00} Details Posted Date XX/XX/19 Reference XXXX XXXX  # XXXX XXXX TN US Terminal XXXX
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX and XXXX XXXX, there were bank accounts opened at Wells Fargo in my name. I did not open these accounts. There was also an application for a Wells Fargo Credit card in my name, unbeknownst to me. Even though I spoke to the Executive office at Wells Fargo on XXXX XXXX about this, accounts were opened again a week later. 
I went in person to the Wells Fargo bank on XXXX XXXX at XXXX XXXX at XXXX XXXX, XXXX XXXX and a case has been opened. I was told that all my information had been used. This is the only business that it seems my identity has been use since I am a former bank account holder with Wells Fargo. I want to hold Wells Fargo responsible for this breach in my confidential information and I want to have an police report and help with changing my XXXX Drivers ' license number. I also want Wells Fargo to pay for an Identity theft protection service to say the least this seems to be coming from their offices.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Creditor's Collection Service, Inc. (VA)

I spoke with the collection company in XX/XX/XXXX on a 3-way call with XXXX. I explained that while the collection was obtained in XXXX that the charges are cumulative since at least XXXX, maybe older. I advise of bankruptcy in XXXX. I advised I need verification of service dates to determine if all or part of the debt is collectable. I was told in XXXX to allow one week for the collection company to obtain the information from the original creditor. Its now XX/XX/XXXX, and today the collector indicated they dont have information about service dates. One payment to the collectors was made via XXXX ; but I will cease payments until the information promised in XX/XX/XXXX is verified and provided.
Consumer complaint received 2022-01-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TN)

My student loan servicer, EdFinancial automatically puts my payments towards interest instead of towards the principal. Since 2012 and before the Covid pandemic, I have paid {$9100.00} but only {$2700.00} has gone to my principal. The rest has gone to the capitalizing interest. How will I ever pay down my loan if my payments don't even cover the monthly interest and that amount gets added to the loan growing it even more? The system is corrupt and taking advantage of student borrowers. 

The issue was when my loan was private with EdFinancial. I have since moved it over to be a Federal loan with EdFinancial when the pandemic hit. The account number provided is to the current federal loan but you should be able to find my history from that.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

Dear Sirs : I would like to bring before you a situation with my local bank Chase JP Morgan, Contact inf : Chase by mail XXXX XXXX XXXX, XXXX Kentucky XXXX. On XX/XX/XXXX I received some type of a pop up while I was surfing the internet. It suggested that I qualified for a free watch. The only thing that I would be responsible was for the shipping and handling which was said to be XXXX. I placed my order, there was no indication on the website that I would be bound to any contracts, agreements or memberships. To my surprise on XX/XX/XXXX, there was a debit done on my account without my permission for the amount of XXXX and a service fee from my bank for XXXX was also applied. I immediately contacted my bank and informed them I had not consented to that transaction. The following day I called the bank to open an investigation. They agreed to apply a provisional credit to my account while the matter was investigated. What the person that attended to my call stated was that this was a scam and that they see it happen a lot. I asked them to protect my rights as a client, but they said they see it happen a lot and the customer has to agree with the company to pay something or else they have to pay the entire balance. I contacted the vendor and informed them of what was happening. They refused to help me and as the Chase representative suggested they wanted me to agree to accept a membership. I refused and I ordered them to cancel any subscriptions because I had not consented to such transactions. Please view supporting documents and you will find that on XX/XX/XXXX my bank removed the provisional credit and charged my account as well as a XXXX overdraft fee. I had already informed my bank that the initial transaction was fraudulent in its nature.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX  AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED LEXIS NEXIS ON MY CREDIT THAT XXXX  AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX AND EXPERIAN. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT EXPERIAN AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Consumer complaint received 2019-07-30
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. (NJ)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

I received my background check and it stated that my most last criminal charge that was on XX/XX/XXXX in XXXX XXXX XXXX wasnt filed until XX/XX/XXXX in XXXX XXXX. My charges are all out of XXXX XXXX XXXX. That charge was filed on XX/XX/XXXX. I served XXXX XXXX XXXXXXXX and was given 4 years probation in which i terminated successfully in XXXX of XXXX. I am upset it states that nothing was filed or done with this case until 3 years after the fact and in a county i never have been arrested in. I transferred my probation from XXXX XXXX XXXX to XXXX XXXX for about 5 months and then switched back. Ive worked hard to get to where i am with my past behind me and having that on my background check can look like its only been 3 years to someone that doesnt understand the terminology used. Plus it also is just incorrect all together. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me? I need answers now. Im XXXX XXXX!
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX I had a hospital visit at XXXX XXXX Hospital . The hospital did not submit and verify that I had 100 % coverage of medical insurance. Common Wealth Financial has just reported a {$1800.00} debt on my credit report. I never received one single bill regarding this for years! I would of gladly of spoke to their insurance agents and ensured they billed my insurance. I have call XXXX XXXX and they admit to their error, yet the claim is so old to discharge she stated. The claim was on XX/XX/2015. I even called my last employer and spoke to the HR to verify my insurance was ACTIVE. How am I penalized because of their billing department error? I paid a lot of money to be insured and do not deserve this debt that is clearly their fault. I never received 1 single bill or 1 single phone call from the company regarding this bill for 4 years. Only until it reached collection recently was I notified. This is completely wrong. I am a young adult with outstanding student loan debt. I am a XXXX XXXX XXXX XXXX and do not have an income to pay a debt that should have never been issued to me. Please help regarding this. My employer was XXXX  XXXX XXXX XXXX at this time. I had Medical Insurance and the biller failed to bill my insurance. Thank you.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.
Consumer complaint received 2021-09-25
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. (TX)

I have contacted you previously explaining that I have been a victim of identity theft andthere are several fraud inquries that were done using my personal information. This was unauthorized an FRAUD
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I received an offer in the mail from HSBC to get a {$370.00} bonus if I were to open a new checking account, bring in {$10000.00} of new money and leave it on the account for 90 days at least. 

I opened in XX/XX/2019 a new checking account at HSBC, as a new customer and deposited {$10000.00}. In XXXX, I called HSBC customer service telling them that I wanted to close the account but noticed that the {$370.00} bonus was not deposited. They said that they would open a case but that I could not close the account if I wanted the bonus. I then went to a branch and withdrew my {$10000.00} through a cashier 's check, waiting for the bonus to get credited soon. 

In XXXX, still no {$370.00} and I had received a letter stating that my account was overdrawn and in collections. I called HSBC customer service to understand what was happening. They said I was charged a monthly maintenance fee since I had not met the minimum balance requirements. I told them about the open case for the {$370.00}, which was the only reason why I did not close my account, waiting for the money to be credited to my account. They said they would look into it, make sure I get the {$370.00}, send me a check and close the account. And as a courtesy wave the monthly maintenance fee I was charged! 

In XXXX, I received another letter from HSBC stating that my account was overdrawn and in collections. I called HSBC customer service again and someone said they had to look into the case that was open for my {$370.00}. They called me back that afternoon to outline ( without explanation ) that I did not qualify for the {$370.00} they had promised me and that they had closed the account.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is an inquiry that's on my credit report inwhich I have no knowledge of and I tried to get these frivolous inquires removed to no prevail. I'm respectfully requesting documented proof, or please remove.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

US Bank denied my request for a statement when I was in the branch closing out my account XX/XX/XXXX. I handed the teller my debit cards for business and checking, clearly requesting a permanent closure of my three accounts. I knew without a doubt I had at least XXXX dispersed in three accounts yet US Bank continued to deny that I did. Finally they mailed my bank statements and clearly in two places it shows more money. On my business account statement it says ending balance on XX/XX/XXXX {$1200.00} and on my personal account it says ending balance XX/XX/XXXX {$340.00}. Why is it saying a balance is there when I closed this account? If there is still a balance then this is the money Im missing. They provided explanation of the check I was given. Yes that was the balance of my savings account. The teller handed me one sheet of three separate checks I thought it was the total refund for all three accounts but no it was only the refund of my savings with duplicate receipts. 

Furthermore I closed this account permanently yet got a recent email saying my bill payment was returned. Im not there anymore yet US Bank paid a bill and then reversed the bill for NSF and I was charged {$15.00} by my creditor for their error. 

Yes Im grateful US bank sent me statements that tell me I had more money in my accounts and now I can prove they stole money from me. People are complaining constantly about big banks removing money from their accounts and Im needing legal counsel because US Bank did not return my money and the bank teller REFUSED TO GIVE A STATEMENT when I closed the account. Plus now I had to pay a {$15.00} fee for us banks error.