davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (DC)

I am filing another complaint as I was not able to upload additional information with my response. The response from the Department of Education to my complaint is unacceptable. As noted in their response, interest would have been capitalized ( added to the principal balance ) after periods of forbearance or deferment, during the consolidation processes, and during the default/rehabilitation processes. The Departments practice of applying payments to past due interest first that has already been capitalized and included in the principal loan balance does not appear to be a fair, ethical practice, particularly since the loan continues to accrue interest on the unpaid principal during the same period. As stated in the Departments response XX/XX/XXXX, the XXXX ( XXXX ) underlying XXXX XXXX Loans were involved in a consolidation process. The XXXX XXXX Consolidation Loan had an original principal balance of {$73000.00}. Yet, as of todays date, XX/XX/XXXX ( 17 years later ), they still show {$71000.00} as the current principal balance of the loan. 

I requested and received an updated Summary of Financial Activity from XXXX XXXX showing transactions from XX/XX/XXXX to XX/XX/XXXX, indicating a principal balance as of XX/XX/XXXX of {$71000.00}. Since their summary was incomplete, I added transactions from my records received in previous years from the Department of Education servicers for payments made from XX/XX/XXXX to XX/XX/XXXX ( including Treasury Offsets from my Federal and Social Security retirement income ). I have attached a copy of the financial summary I prepared. The principal balance I derived from those calculations ( INCLUDING capitalized interest totaling {$10000.00} ) was {$59000.00} NOT {$71000.00}. For the life of the loan ( 17 years ), Ive paid {$57000.00}, with {$45000.00} ( 79.6 % ) of that amount applied to interest on a principal balance that included capitalized interest! ). 

The response from the Department of Education did not only provide inaccurate transaction data, it also did address any options that I requested that might be available under the circumstances for loan reduction and/or forgiveness.
Consumer complaint received 2022-06-12
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 — Problem with personal statement of dispute
Company: Capital Management Services, LP (GA)

I had a CC with XXXX that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.
Consumer complaint received 2020-12-14
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. (FL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-06-12
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (GA)

I had a CC with Citibank that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCF Intermediate Holdings LLC (HI)

I was contacted by XXXX XXXX XXXX XXXX XXXX several times over the last month - each time I was told that I owe {$1300.00} to CheckSmart XXXX XXXX, and that I could settle for a payment of {$390.00}. I've never borrowed money from them, and I've had other " companies '' call and claim the same thing. On top of that, XXXX is calling some of my family members! I'd like to file a complaint about XXXX, and CheckSmart XXXX XXXX- I don't know who the scam is coming from, but it's one of them.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I received notice of a debt collection from Credit Collection Services for {$120.00}. I responded with a certified letter asking for debt validation and their legal right to collect on this debt. CCS responded on XX/XX/2020 with a health insurance form. The information on the form was typed and does not have my signature or anything consenting to a service. The item has been placed on credit without any resolution or debt validation. 
I called CCS on XX/XX/2020 and spoke with XXXX XXXX and she said that the company works for XXXX XXXX and if I had a problem with what was provided I am to call XXXX XXXX She also stated that they can not provide any legal notices to collect this debt bc they work for XXXX  XXXX
Consumer complaint received 2021-12-07
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. (NJ)

In 2007 I borrowed {$10000.00} from Sallie Mae for expenses associated with my graduate school courses. For the past 14 years, we have paid it on time. We approximate the sum of the payments we have made over the past 14 years to be almost {$40000.00}. 

The loan has been sold to Navient. Currently, Navient shows my balance as over {$12000.00}, and is still collecting a monthly payment from me. At this point, my payment is mostly interest, and a small fraction goes to the principal, and the loan is only growing. 

I can't find a way to deal with this other than just hand over an additional {$13000.00} to close the loan ( which I don't have ). Am I supposed to pay literally {$100000.00} before this {$10000.00} debt is paid off? XXXX XXXX XXXX XXXX but there is no loan forgiveness for this, because it is a private loan. 

I recently purchased a new car for {$24000.00}. My monthly payment is {$350.00} per month and it will be paid off in 72 months. In comparison, I feel that I am being taken advantage of by Navient. I need help and my family is suggesting I hire an attorney. Do you know of any attorneys that deal with situations like this? Is there anything you can do to help me? My income is low. This monthly payment is just cruel at this point because it doesn't make any progress toward reducing the loan. 

Thank you for your help and advice, XXXX XXXX XXXX Navient account # XXXX : XXXX XXXX
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-01
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. (FL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

XXXXXXXX XXXX XXXX XXXX has violated my rights. 

DEPT OF EDXXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX  IN XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights DPT EDXXXX XXXX has violated my rights XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (WA)

XXXX XXXX  and Monterey financial are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP
Consumer complaint received 2022-05-03
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. (GA)

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

XXXX XXXX XXXX  XXXX has violated my rights. 

DEPT OF EDXXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX  IN XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has violated my rights XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights DPT EDXXXX XXXX has violated my rights XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peoples Commerce Inc (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2021-05-01
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I believe that Bank of America ( BoA ) is in violation of, but not limited to, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) is that amended the Fair Credit Reporting Act of 1970 ( FCRA ), as well as, the Truth in Lending Act ( TILA ) of 1968, among other laws and public policy. 
On XX/XX/XXXX, payments I made to the balance of credit card ending XXXX were processed. On XX/XX/XXXX, BoA changed the dates of those payments to XX/XX/XXXX, after I submitted the XX/XX/XXXX complaint to the State of Michigan Attorney General and the purported Consumer Financial Protection Bureau, et al. Today, I an email from BoA, which stated the following : Dear XXXX XXXX : We were unable to withdraw funds from your Pay From account for the payment shown below. As a result, this payment was not made : Pay To Amount Payment Date Pay From Account BK OF AMER MC {$150.00} XX/XX/XXXX XXXX Your payment is still due and your Bill Pay service has been suspended. We won't send this or any other scheduled payments until you call us to reactivate your service. Action Required Contact us immediately at XXXX to reactivate your Bill Pay service. When you call, a customer service associate will review the status of this and any other scheduled payments and determine whether you need to make those payments using an alternative method. They just blocked my access from rectifying my 1 % of the balance minimum payment due {$150.00} I made on XX/XX/XXXX what they claim was a payment paid from a closed account I rarely ever made payments from within the last 12 months - via their website ; according to a Call Center representative purportedly XXXX XXXX of XXXX, NY today at approximately XXXX EST! She said, " you must wait 2 to 5 business days in order to access the account Bill Pay feature, which would be either Tuesday, XX/XX/XXXX or Friday, XX/XX/XXXX ''. This is ridiculous! Why send me an email to call immediately? They are trying to make me forget to rectify the issue they caused and submit the payment ... .... She also claimed to remove a checking account from my BoA account, without my permission. She refused to transfer me to a supervisor. I uttered profanity, because I was upset by the continuous flagrant disrespect held out by BoA. Just because I owe $ XXXX doesnt mean that you have rights to do illegal things with my account : rounding up decimals on bills to steal {$0.00} from and inaccurately presenting bill amount to borrower ( s ), now blocking me out for control of my account even after telephone consultation, I dont think that BoA deserved the right of existence. Imagine the number grandmothers and distracted single mothers they are taking advantage of with these attempts to pilfer nickels and dimes in a multiples to generate millions Serve justice, please. I want them to reverse all fees ever charged or intent to charge me within the last 3 months! 
Serve justice, please
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

I took my family out for ice cream and got double charged by XXXX. I noticed this the next day and had to wait for these transactions to be posted to my account. When I checked out for the ice cream purchase, the representative asked me to rerun my debit card because it didnt go through the first time. So, of course, I did and then received the charge in my checking account twice. Regions Bank has denied my claim and refuses to speak further if I do not have any more information about my claim. I have contacted XXXX to get my money back, and they told me that it was a double charge because they have had issues with their new registers. I still don't have my money back and I am waiting for the manager to contact me tomorrow. I am a concerned client because I thought this is what regulations E was Supposed to cover for the consumer. I am extraordinarily dissatisfied with how this dispute was handled by the Regions bank and their representative.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

hello how are you all doing! 

I had netspend card for a longtime no problems. suddenly my card was hacked or comprised, they are several unauthorized charges on my account. totaled close to {$2000.00}. i filed an dispute. The only give {$2.00} back out of almost {$2000.00}. and denied the other charges which doesnt make since because the {$2.00} i received was an charge from flordia . I live in north carolina the charges came from Flordia and other states i never traveled too. Iam a single mother i cant afford to lose my hard earned money to scammers. I believe netspend is not upholding the federal laws that are made to protect its consumers against fraud. ( XXXX ).
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Mortgage servicer is AmeriSave and their sub-contracted agent XXXX XXXXXXXX XXXXXXXX. 

Servicer failed to pay our {$2900.00} flood insurance premium from escrow by the policy due date of XX/XX/XXXX. Timely payment was not made and we made the payment directly to avoid policy termination. Servicer initially stated they would reimburse upon receipt of proof of payment and updated policy declarations page. Said documentation was provided same day. Servicer then balked at reimbursing and stated it was up to us to get it back from the insurer. We strongly protested and on XX/XX/XXXX servicer agreed to reimburse after receiving their refund from the insurer. The insurer processed the disbursement to servicer on XX/XX/XXXX. The servicer has yet to credit our escrow account. Have requested follow up status with no reply. 

NOTE : attached is a detailed timeline synopsis of events with references to attached supporting documentation.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both XXXX and Transunion are incorrectly reporting information it is doing way beyond damage to my credit