davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I have had numerous problems with Navient since I began repaying my student loans. Navient is my servicer for the Parent PLUS loans my mother took out to help me pay for college, so although she is the account holder, we agreed that I would be paying the loans back. It is my back account set up for auto-debit, and I have had the majority of customer service interactions with them. At every step of the process, they have made an already XXXX experience so much worse by being unreliable. They have applied payments incorrectly many times, despite written and verbal instructions on how I 'd like them applied-they have applied them to the wrong loan, or spread them out between all my loans, or even applied them to my brothers ' loans which are currently in deferment. After this happened the first time, I learned that Navient could not be trusted, and began monitoring my account very carefully, which is how I caught the other errors. Then, every time my mother or I call with a question about the account, we get a completely different answer depending on who we speak with. Every time we 've been told someone would look into something and follow up with us, no one has. A few weeks ago, I called and said that I 'd like to share the extremely frustrating experience I 'd had, and they said there was no way to do that. I asked what that meant, and they said the only way would be to file a complaint. I said I would like to do so. They then said they would look for a manager, put me on hold, came back and said no one was available. I asked if someone could call me back, they said ok and tried to hang up without taking my contact information. I provided it, but it has been several weeks and I have not heard back from anyone at Navient. I have made an enormous effort to stay ahead of my student loans by always paying on time, and making extra payments, and I can not express how disappointed and frustrated I am with Navient. I feel that they are completely incompetent, and I do not trust them with my loans or with my money.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I was a teller at a bank years ago so I am aware of how they process transactions. The credits are processed before the debits. For example, if you have an overdraft fee that is pending but hasn't posted to your account and you make a deposit that same day the fee should fall off. Just like sweeping funds from an overdraft protection account. A few months ago I made a deposit while the fee was pending and they charged me without regard. I reported them to the Federal Reserve and just recently got a refund after all this time. But then the same scenario happened again earlier this week. I know this goes against the banks precepts and since I know that the majority of a bank 's revenue is made with fees, this seems to be fraudulent and should be addressed. I have been with this bank and prior to this, my former employer was another large institution. This is definitely atypical.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NE)

I acquired roughly {$5000.00} of debt in XXXX. Within the last couple of months, now in XXXX, payments are being withheld from my paycheck from Transworld Systems , Inc. My tax returns from the last 6 years have been withheld amounting roughly {$6000.00} because of this. I just received a bill stating I still owe roughly {$8000.00}.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I have been trying to contact Coinbase about my account since XX/XX/2021. I've called them every few weeks. We've spent hours and hours and submitted XXXX identification. 
They locked my account because I no longer have my old phone number and I've talked to well over 13 people who have no authority to do anything to my account. They promised to escalate my account and no one takes any action. Every time I call it's an hour session w/ a new Account service person where they have to comb thru the history and they will take no action to withdraw my money. The process usually ends when the phone disconnect and I have to call back and start over. There is {$840.00} in my account.
Consumer complaint received 2018-05-16
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. (MD)

Equifax has 3 Hard Inquiries on my credit report that I did not authorize.

1. ) XXXX ( Misc. ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Financing ) ( XX/XX/XXXX ) 3. ) XXXX XXXX ( Automobile Dealers, Old ) ( XX/XX/XXXX )
Consumer complaint received 2018-08-04
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NY)

On Tuesday, XX/XX/2018, I ordered {$180.00} worth of clothing from an international company XXXX located in XXXX XXXX through PayPal. On XX/XX/2018, I checked the tracking number of the merchandise through the company 's website. The company showed the items were delivered to my address in XXXX, NY on XX/XX/2018. I live at a private residence and I checked with everyone who lives in the household and surrounding neighbors to see if they may have my package. They all assured me they did not have the package. I notified the company directly in early XXXX that I did not get the items. The company asked me to check with my local post office ( XXXX Post Office ). On XX/XX/2018, I went down to XXXX 's post office with the tracking number and asked if my package was still there. The clerk referred me to the supervisor who informed me the package was misdelivered and they were working to retrieve it from the address where it was delivered to. After going back and forth with the post office for weeks I was told they could not retrieve the package and I would not be able to file an insurance claim through them because I did not take out insurance through their ( USPS ) organization to cover my loss. My last alternative was to ask Paypal to investigate the matter and that I had proof that I never actually received my package despite what the tracking information showed. Paypal  Credit refuses to give me a refund although the post office and the company agreed that the package was lost.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (FL)

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-25
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. (FL)

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2018-08-04
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. (NJ)

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Consumer complaint received 2018-08-04
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)

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX  XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Consumer complaint received 2023-08-14
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (GA)

On XXXX Prosper Costal reported to XXXX about my credit card account that I have with them. However the information they posted was inaccurate for a multiple of reasons. 
1. They reported a balance increase from {$370.00} to $ XXXXsince XXXX my balance has decreased but that information was not captured due to reason # XXXX XXXX. They had not reported since XX/XX/2022. {$370.00} was the balance on my account in XX/XX/XXXX. Since XXXX my account limit had been increased. So, the total account limit was incorrect, it showed a {$800.00} limit meaning that they reported that I was using 145 % of my cards account limit. The limit of my card on XX/XX/XXXX was {$1400.00}. 

I filed a dispute with XXXX on XXXX on XXXX the dispute was settled and my transuion report was updated on XXXX to reflect more accurate information. 

Also on XXXX this same company reported to XXXX. They reported the same inaccurate information that they just had updated with XXXX. This caused my XXXX score to take a deep dive of XXXX points.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (SC)

Shellpoint Mortgage Servicing is servicing my home mortgage account. I was in a forebearance plan from XX/XX/XXXX, until XX/XX/XXXX due to covid. My forebearance plan was set to end on XX/XX/XXXX, and I reached out to end the forebearance prior to XX/XX/XXXX. They offered to set me up with a Standalone partial claim and sent me a letter ( attached ) stating that my next payment was not due until XX/XX/XXXX if I accepted. I returned the executed agreement to them by XX/XX/XXXX per the agreement. Recently, I checked my credit and it had dropped by almost 100 points. I immediately reached out to Shellpoint and submitted an internal complaint. I received the letter dated XX/XX/XXXX that contradicted the standalone agreement that I had executed with them that clearly states when the next payment is due. I tried to contact the company again and explain and they gave me a generic email to send my issue to but that went unanswered. I was not able to speak with a supervisor, manager, or even somebody in the department that would handle this issue. I am hoping this avenue may work better.
Consumer complaint received 2018-08-04
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: EQUIFAX, INC. (FL)

There is an account listed on my report with Equifax that is not mine. I have fought the account for years but it is now back. I sent through certified mail a letter to the creditor asking that the debt be verified yet again. They signed for the letter but did not provide verification of the debt within thirty days. Both XXXX and XXXX investigated the dispute and removed the account when it could not be verified through their dispute process. Equifax refuses to remove the account after two disputes including copies of the letter and the signed certified mail receipt. I called Equifax yesterday and I was hung up on twice. A supervisor told me in a dispute, they only verify name, social security number, and birth date not the validity of the debt. I told them the company couldn't verify the debt therefore it had to be removed. He told me it was so old or would fall off in two months any way. This tradeline that isn't mine is keeping me from getting a mortgage loan. Equifax refuses to listen and just keeps saying my information was verified. Yes but not that the loan was actually mine. Equifax is horrible and in control of everyone 's lives and they shouldn't be because they are incompetent. This complaint is against Equifax.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/18, I finally opened a mailing I received from Capital One that said I was pre-approved for a credit card. They even said they reviewed my credit information, so they should have known my credit score and history. I thought this would be a good opportunity to get started on repairing my credit. I applied but I was denied. This hard inquiry and denial has a negative impact on my score and further complicates my journey to good credit. 

Credit card companies using " pre-approval '' scams to lure folks with bad credit to apply for new credit is predatory and should be illegal. How can you be " pre-approved '' but not get the card? Getting denied hurts your chances of ever getting a card anywhere else. 

Capital One scammed me and added to my damaged credit history. These kinds of scams need to be investigated and made illegal!
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Investigation results says item deleted from report and it's still showing on my credit report. I am a nurse and if this item is not removed like TransUnion stated, I could lose my job. Included proof.
Consumer complaint received 2018-08-04
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. (CA)

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from XXXX today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the XXXX Website and Also XXXX Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXXXXXX XXXXXXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online.

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Consumer complaint received 2016-11-04
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an account with Bank of America. I transferred XXXX XXXX $ to my mom to XXXX in dollar to her dollar account at XXXX. I paid the {$45.00} transfer fees. My mom received only XXXX XXXX . XXXX is not taking responsibility for the shortage of the money. They claim this is what they got. I also complained at Bank of America, but they are not taking responsiblity either. I need help!!!
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collections Acquisition Company, Inc. (CA)

I created an account to monitor my credit and see the XXXX collection still on my credit. This account was paid with the agreement that it was to be deleted from my credit profile, yet it was only updated to paid. I was advised I needed to dispute this with the bureaus with no reply on the status, hence this complaint. Due to manipulative collection tactics with not following what was advised I am filing this complaint as it needs to be removed promptly to rescore my credit, per agreement.
Consumer complaint received 2018-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NE)

I have paid {$2200.00} in " principal only '' payments to my mortgage company. The amount was recorded on the PRINCIPAL ONLY line on each statement and PRINCIPAL ONLY was recorded on the memo section of each check. They applied these payments as regular payments and when I checked last month, they had me paid in advance until XXXX of this year. I have called them three times, most recently on XX/XX/XXXX ( XXXX ) and each time I was promised a copy of all payments and how they were applied to my account for the past two years but a statement never comes. I have written twice and no reply. I am ready to contact my local news station but want to try this first. These are the check numbers : # XXXX for {$300.00}, # XXXX for {$500.00}, # XXXX for {$300.00}, # XXXX for {$300.00}, # XXXX for {$350.00} and # XXXX for {$500.00}. These were personal checks as my bank sends a separate draft every two weeks in the amount of {$360.00} in advance of each monthly payment. I want these funds applied to principal only. There is no pre-payment clause and I feel what they are doing is FRAUD. The company is DiTech Financial and payments are mailed to XXXX XXXX XXXX XXXX IL.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Around XX/XX/2014 Bank of America falsely reported my address and other information to the credit reporting agencies. I have shown the bank that it was and remains a victim of mail fraud and identity theft. The bank has, since those fraud incidents and their subsequent false credit agency reports, become a victim of forgery perpetrated by the same entity. Bank of America refuses to correct the false report and is now complicit in the ongoing fraud and continues to conspire with the perpetrator.