davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (SC)

Flagstar knew the amount of our taxes due to the adjustment we received the first year of our home. They said we missed payments which is not true and they sent a letter stating we were short on the escrow. The letter stated we owed almost XXXX. Flagstar raised are mortgage twice and the last was at almost XXXX and when i spoke with them due to the concern of it not being applied to the escrow. They were applying our payments to the apr and not the escrow amount. We were threatened with default on several occassisons and forced to do a loan modification. They have not sent any error letters on thier behalf, no apology and no refund. We had a VA mortgage and they caused us to go delinquent and have charge offs on our credit due to having paid almost XXXX for about 7 months. I have documentation and proof of the document I requested from our county the amount due was only {$1700.00}. They have caused us financial ruin and took advantage of us being newly retired from the XXXX. This shouldn't happen to anyone and i will be following up with the documents to the VA. We have a XXXX XXXX XXXX and spoke with the military personal financial management and are considering seeking an attorney. We payed over XXXX and still had to do a modification. We were forced.Not only were we forced to pay almost {$4000.00} but also {$2800.00}. All the documents you will find enclosed.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NV)

My complaint : The Credit Card Accountability, Responsibility, and Disclosure Act of XXXX is a federal law designed to protect credit card users from abusive lending practices by card issuers. primary goals are the reduction of unexpected disclosure On XX/XX/XXXX I check my balance of my newly activated Nevada Way2Go Unemployment Debit Card. I had a balance of {$3500.00} as I was saving for transportation. Totally unexpected the public transportation here in XXXX, Nevada XXXX - employee went on STRIKE for the second time this year! Every one was scrambling, abandon and left with no transportation home or to work! I thought wow I glade I saved my money- NO MORE RELIABLE ON PUBLIC TRANSPORTATION! I located a motorcycle I counted on cash discount sale- HOWEVER THE BALANCE WAS {$0.00}!!!! I tried every number on the card, flyers, website - none of the numbers provide allow you to talk with a live person! I went to XXXX  website- same phone number. WHAT IS " Return of Unpinned Deposit CARD ENDING XXXX Good Evening XXXX XXXX Monday, XX/XX/XXXX XXXX XXXX Claimant ID : XXXX XXXX ( XXXX ) XXXX '' IN THE MIDDLE OF A PANDEMIC AND A CITY WIDE PUBIC TRANSIT STRIKE!!! Proof I CALL XXXX, email, Fax - see attached confirmation numerous attempt to contact ANYBODY for help to get funds back or a new card, etc. No response as of today. This pandemic is NOT OVER, AND there are plenty shortage. I just need my money- Where is the disclosure! Where is the protection! The CARD Act mandates consistency and clarity in terminology and terms across credit card issuers. SO WHY ISN'T IT CLEAR HOW TO CONTACT THE CARD ISSUERS FOR CLARITY AND HELP! ITS A " BIG DECEPTIVE and ABUSIVE HARDSHIP on a RIGHT to ENJOY LIFE practices by credit card issuers! 
Cc : Governor XXXX XXXX
Consumer complaint received 2023-06-22
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. (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. 

Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 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 years.

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 2021-10-30
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. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been complains to Bank of America for 6 months. They have fraudulently charged me for XXXX XXXX dollars!!!!! They do nothing!!
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX  XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Consumer complaint received 2023-06-22
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. (MS)

I wrote to Transunion on XXXX, and XXXX to dispute several violations that they are committing by reporting inaccurate and unverifiable information on my credit report. They have not sent me XXXX reply back after sending my first letter to them over 75 days ago. This has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. They are not reporting 100 % maximum accuracy as possible by law, and I have requested to all the steps the agency took to insure those items were 100 % accurate under 15 U.S Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXX/Account XXXX, XXXX/Account Number : XXXX, XXXX/Account XXXX, XXXX XXXX  XXXX Number : XXXX, XXXX/ Account Number : XXXX, XXXX/ Account number : XXXX, XXXX/Account XXXX : XXXX, XXXX XXXX/ Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have student loans that were originally being serviced through Sallie Mae, but are now through Navient. When I entered repayment after my 6 month grace period, I was give inaccurate information about repayment options on more than 1 occasion. Navient consistently told me that the lowest payment plan I could be on was the plan that capped my payments at 20 % of my discretionary income. This was incorrect information as I later found out. There was an income based repayment plan that allowed me to pay 10 % of my discretionary income. As a result, I ended up making extremely high payments for the first 2 years of my repayment. Once I found out ( through my own research ) that I could have lower payments, I switched to that option right away. However, this overpayment drastically impacted every single career decision I've made and has caused me to lose out on the opportunity to benefit from public loan forgiveness after 120 payments. I chose to leave public service because I calculated that I would not benefit from the forgiveness plan given that my monthly payments were so high. I made a decision to try and pay all of my extra income to my loan since I was under the impression that I would not benefit from public loan forgiveness ( my payments were around $ XXXX x 120 months = XXXX, which was higher than my principal balance ). 

Secondly, I decided that I should look for a different position outside of public service so that I could afford my loan payments. If I had been given truthful information from day 1 of my loan repayment, I would have stayed in public service and only had 4 years left before being eligible for forgiveness. I would have had much lower payments so that in the end of my 10 year repayment period, there would be a balance left to forgive on my loans. 

Navient illegally cheated me out of my rights to lower payments, and as a result I will end up having to pay the entire balance out of pocket rather than being able to benefit from public loan forgiveness. I would hope to receive some kind of resolution to this complaint, as it seems like Navient systematically deceived borrows in this manner and are now the subject of a class action law suit. Their practices have forced me to make decisions I would not have otherwise made about my life, where I live, and my career, and have caused huge financial burdens and stress.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Every month its the same story with Capital One. I goto the one click that is sent via email and it doesnt work. I try for a few days to go online, it lets me see my account, etc but not make payments. 
On the last day due this past month in XXXX of XX/XX/XXXX it took me two days of going online in between working and life to get the payment to pop up/the box that allows me to make a payment. 
It then stalled and timed out, then shut down. 
I called the next day and made a payment over the phone as I was at work, I work graveyard at the XXXX department. 
So I sleep during the day and then am at work by XXXX XXXX. 
I need the payment processing to work due to my schedule. 
This has happened a few times, I have to call which takes about an hour by the time you sit on hold, etc .... and that is time I dont have with my sleep and shift schedule. 
They have credited my account before but would not this last time charging me XXXX $! 
That needs to be reversed. 
Also, I want to know why this is an issue, but surfing my account with all other items like account summary works?
Consumer complaint received 2024-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

I am a class member of XXXX XXXX XXXX my federal loans are forgiven and my private loans that were forced on me by the college are equally null and void. Due to scare tactics and threats I was made to take these out and my father a veteran and XXXX XXXX XXXX retiree had to co-sign. I have paid XXXX on these to not see the amounts go down and on XXXX loan it shows I'm XXXX percent negative on interest. I am on a fixed income and as a XXXX with children can not afford to throw my money away. Navient hasn't done anything help me with this and I want forgiveness since as said these were forced on me by illegal tactics of a school that no longer exists.
Consumer complaint received 2020-12-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I looked into doing a balance transfer because of the interest. I researched on a few websites that compared different credit cards, looking into 0 % balance transfer offers. I went with Capital One & that was a horrible decision!! It says on their own website & 3rd party websites that they have 0 % APR on purchases & balance transfers for 15 mths. I signed up, got approved, & transferred my balance from my old CC to the Quicksilver card. I realized later on my monthly statements I'm being charged 21.74 % interest! That is much higher than my previous interest rate and I have a great credit score. Capital One tells me I agreed to these terms and there is nothing I can do & they refuse to refund me for the interest charges. Why would anyone switch over to a higher interest rate?! Then they even tried to tell me I do have an offer of {$150.00} cash back if I spend {$300.00} ... why would I make more purchases if you already took my money?! THIS IS A BAIT & SWITCH SALES TACTIC & FALSE ADVERTISEMENT!! They do not even care that I am going to close this account & let people know that they are a horrible company ( maybe because they already scammed me out of a few hundred dollars for nothing ).
Consumer complaint received 2019-11-21
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)

This is very troublesome, I have requested that this information be removed/blocked from my credit file due to identity theft. I am getting no where. Equifax will remove some items and overlook others that are on the same report. It is as if they are overlooked and not regarded. then when you call to speak to somoene it is like you dont even exist, This is so unfair,
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by LVNV FUNDING in the amount of {$430.00} owed to XXXX XXXX XXXX. I was unemployed for some time and could not make the monthly minimum. However, things have changed and I am willing to pay the full balance owed ( {$430.00} ) to have the trade line deleted and a new account opened with XXXX XXXX. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please e-mail or mail a signed and dated letter to the address attached to this complaint or attach the letter to the complaint. After receiving it, I will send you a payment of {$430.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: American Credit Acceptance, LLC (IA)

I had a loan with American Credit Acceptance. It was at an astronomical rate. I got behind and charge after charge was applied. The car was totaled and payed off they ate still charging me and impacting my credit.
Consumer complaint received 2021-10-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Coinbase.com shut my account down after doing business with them for many years. Costing me a bundle and a major hassle. I only know about purchasing, not really in transfering so they forced me to transfer and much of it ended up lost as well. Their " customer service '' is ignorant and plays clueless.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (WI)

Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (VA)

I have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the XXXX. The XXXX informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved.
Consumer complaint received 2023-06-23
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$3300.00} XXXX XXXX XXXXXXXX*-Balance {$280.00} DPT ED/XXXXBalance {$3100.00} DPT EDXXXXBalance {$1400.00} XXXXBalance {$530.00} XXXX  XXXX**XXXX*-Balance {$15.00} XXXX XXXXXXXX****-Balance {$22.00} XXXX XXXXXXXX****-Balance {$68.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX****-Balance {$230.00} ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$83.00}
Consumer complaint received 2019-07-22
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. (NC)

I submitted a dispute to Equifax for my XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX account can be deleted from my Equifax report for inaccurate reporting.