davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). 

On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. 

On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. 

On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. 

On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. 

On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

Visa debit card was stolen on XX/XX/2018 and used in XXXX, XXXX at a merchant named XXXX XXXX for several transactions, list following. 
{$1200.00} {$640.00} {$570.00} {$120.00} {$100.00} {$46.00} I contacted the bank that night ( XX/XX/XXXX ) and spoke to Customer Service. Husband was XXXX on military orders in XXXX, so I was advised to get in touch with him to see if he had made these charges because they wer from XXXX. Spoke to husband, and confirmed he hadnt made the charges. 

Called customer service again on XX/XX/2018 to have card turned off and fraud claim submitted. Was told that I should know something within 1-2 business days. 

Wednesday XX/XX/2018 my husband called from his post in XXXX to USAA customer service. He was forwarded a document stating that there would be credits issued for these charges as they investigated. 

Friday XX/XX/2018 XXXX I contacted USAA again regarding the claim. I was transferred to the fraud department, where I was told by an agent that my claim had been denied because the chip card was used and could not be duplicated. 


I called the number listed for debit card fraud, and spoke with a security agent who advised me that all fraud claims that have been submitted for the last two weeks by any of the account holders had been denied. 

I was then given an email address to submit my questions to, and told that the fraud agents could not be reached by phone, not even by other banking employees. 

In the mean time, I am out over {$2700.00} that I did not spend, and am unable to pay any of my bills. 

I was not contacted by email, as it stated I would be, and had to find out that my claim was denied over the phone. And that it would take approximately 72 business hours for the fraud agents to respond to my email. 

Both USAA and Visa claim to have a zero liability policy against fraudulent charges, however they denied my claim. How is this zero liability?
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (TX)

I made a previous complaint about a month ago ; I had a private loan transferred from XXXX to XXXX XXXX XXXX and was not informed of the change. While that previous complaint was resolved, I continue to have problems with the XXXX-XXXX   transition. My issues are below : 1. While my private loan has finally transitioned over to XXXX and I am able to pay online, the monthly amount requested is totally different. XXXX   extracted from me {$180.00} per month for my private loan, most of which was principal. XXXX is requesting {$86.00} ( See attached images of monthly loan payment ). Why is this amount different? How much of this is interest, and how much is principal? Since the terms of my loan are unchanged and I am not ( nor have I ever been ) on a payment plan, I expect to pay the standard interest rate and principal per month. 

2. My public loan that was previously being serviced by XXXX has now disappeared without a trace ( see XXXX documentation from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been notified by XXXX of this change. The loan is not in my new XXXX queue, and when I called XXXX, they told me that this loan ( of approximately {$9800.00} ) is not being transitioned to them. Where did it go, and how may I pay it? 

MEFA will not respond to my queries about where my second loan went or why my payment rate has changed.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

After checking my credit report around XX/XX/XXXX, I found multiple fraudulent credit cards opened in my name, which Capital One was one. I immediately contacted them and was told that they will close the account and start an investigation. After waiting about 2 months they did not mail me anything and I have still not received any correspondence from them since XX/XX/XXXX. 
I then was told to file a FTC Identity Theft report, which I did and mailed them a letter and a copy of the report and the FCRA Notice to Furnishers of Information on XX/XX/XXXX. Capital One did receive the mail on XX/XX/XXXX as I sent it USPS Certified Mail, a copy will be attached here. I have still not received any documentation or anything from Capital One Bank and they are still reporting a negative fraudulent account on my credit report with a balance of {$480.00}.
Consumer complaint received 2022-02-17
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-02
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. (FL)

These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX   -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

We have an XXXX Account on our Mortgage. We pay Principal, Interest, Escrow, Taxes, Insurance and Shortage each month on time. The company Flagstar Bank, a subservicer of XXXX recently sent a letter indicating that they plan to buy hazard insurance that may cost more than we currently pay. Insurance costs currently paid to Flagstar Bank has not expired and we should not be threatened with increased charges for insurance that is paid into an Escrow Account collected on time each month in full. The bill for the Mortgage Payment next month arrived on the same day as the letter indicating that insurance charges may be increased. I request an investigation of the practices of XXXX subserviced by Flagstar Bank related to overcharging for XXXX 's insurance. Given that funds are paid into the Escrow account each month to Flagstar for payment of insurance, Taxes and Shortage no Homeowner 's Insurance should have expired. No threat of increased cost should be sent to Homeowner 's who pay all funds due in full and on time each month. We have owned the property since XXXX. Never have we experienced a threat of increase fees for payments that were made in full and on time.
Consumer complaint received 2022-02-17
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2022-02-17
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: ENOVA INTERNATIONAL, INC. (SC)

I need to report NC FINANCIAL for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/2021 to XX/XX/2021 but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617.
Consumer complaint received 2018-04-14
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. (OK)

have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and Transunion and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery
Consumer complaint received 2018-05-02
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. (TN)

My ( 2 ) federal student loans with XXXX are being reported to the credit bureau 's as late for the period in which I was in school and they should have been deferred. Both accounts were paid in full years ago, so I am unsure how to correct this error on my credit bureau reports.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (FL)

I applied for a refinance mortgage with XXXX XXXX on XX/XX/XXXX and as part of the application process I provided my social security number, and a copy of my monthly mortgage statement from my current lender Flagstar Bank. On XX/XX/XXXX, the day of closing, I was made aware that there were {$180.00} of fees assessed by my lender for payoff statements obtained by XXXX XXXX. After further inquiries of Flagstar Bank, I learned that my personal information was used by XXXX XXXX ( without my authorization or consent ) to impersonate me to obtain these statements through Flagstar 's IVR phone system. Each time XXXX XXXX  did this I was assessed a fee of {$30.00}. Mailed payoff statements are FREE. I informed Flagstar Bank that I did not authorize XXXX XXXX to impersonate me in order to obtain payoff statements via their IVR system nor did I authorize them to incur expenses on my behalf. I emphasize 'impersonate ' as the IVR system is quite clear in the use of pronouns to clarify that the system is intended for use by the mortgagor ( e.g. enter the last four of " your SSN '' and enter " your loan number '' ). It is also stated by the system that there will be a {$30.00} fee assessed for providing the statement. In total my personal information was fraudulently used by personnel at XXXX XXXX  to obtain SIX payoff statements for a total cost of {$180.00}. In addition, many of these payoff statements had effective dates which overlapped suggesting that the duplicate statements may have been maliciously obtained in order to incur these fees. I complained to Flagstar Bank indicating that the fees were not authorized, and they removed {$120.00} for the statements which had overlapping effective dates. However, Flagstar Bank refuses to remove the remaining {$60.00} over my objections as they were the result of unauthorized fraudulent activities. In addition, these actions fall within the purview of FL Statute 817.568 ( 2 ) ( a ) Criminal use of personal identification information which states " Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning another person without first obtaining that persons consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree ''.
Consumer complaint received 2022-02-17
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. (TX)

On XXXX XXXX, XXXX I filed a complaint with your agency on XXXX XXXX XXXX ( XXXX ) regarding the recurring issue of reporting of my Auto loan as delinquent although I have sent payments to the po box address I have been sending payments since XX/XX/XXXX. Late last night, I received notification from Experian of the results of my dispute filed ( Report # XXXX ) and learned that XXXX reported my account 60 days delinquent XXXX XXXX. I did receive your agency email stating that XXXX had responded that it was working on my issue and indeed they are as they have reported and additional delinquency even though I sent them a copy of two money orders totaling {$900.00} to their national call center email on XXXX XXXX indicating the payment was mailed XX/XX/XXXX. Since early XXXX, XXXX has blocked online access to pay on this auto loan forcing me to mail in payments or use their call in system which charges nearly {$13.00} as a fee just to simply swipe a debit card. I have experienced a long history of lack of due diligence with this institution as on or about XXXX XXXX, over $ XXXX was added to my loan to cover premiums on GAP insurance supplied by XXXX XXXX  XXXX I changed my full coverage auto insurance from XXXX XXXX  to XXXX and this was added to my loan even though there was no lapse. XXXX stated a letter was sent to an old address in XXXX  -even though I moved out of that address in autumn XXXX and listed my XXXX  address with all my creditors. Clearly XXXX 's lack of due diligence has escalated to a point of maliciousness and this recent action was executed in retaliation. I'm retired after 29 years of Active military service XXXX XXXXXXXX ; however, NO ONE deserves to be treated in the matter that I have been by this financial institution
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (PA)

I reached out to Experian on XX/XX/2022 ( formal letter ) to alert them that the information in my credit profile was incorrect, and asked them to re-investigate why affirm was reporting these false accounts on my credit profile. I asked for proof of these alleged items, specifically the contract, note or other instrument bearing my signature, so I could prove it was inaccurate and not belonging to me. I requested that if they couldn't show these materials that it was unfair to let them remain on my profile and to delete these items from my report as soon as possible : XXXX XXXX XXXX XXXX They did not respond in 30 days, so I sent a second letter on XX/XX/2022  alerting them that since they did not provide any proof that I asked for in order to reinvestigate the items, that by law they needed to take them down completely, removing them from my Experian profile.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (NH)

Discover Bank - Monthly statement not provided I opened a savings account with Discover Bank recently with the understanding that they will provide me monthly statement ( which is clearly stated on their website as pic attached ). However, after I opened my account, I only had access to a statement every other month. After contacting Discover, they claimed that I will not have a bank statement if there is no ACH deposits, which didn't spell out on their website at all. At the meantime, they refused to provide any kind of official document that could show my account status for the months they skipped within 5 days.
Consumer complaint received 2022-06-16
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I was supposed to receive the Go Card for GA UI. But the card never arrived to my current address. I attempted to call the 800 customer service number but I could not reach anyone to speak with, because the IVR asks for a pin which I never set up because I never received the card and the system will not allow you to speak directly with a rep. I've written two letters to the address in XXXX XXXX and still have not received any communications via email or by phone which was both provided in the letter.
Consumer complaint received 2020-07-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is a collection on my account that does not belong to me that is being reported by Portfolio Recovery Services. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

Thank you