davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I believe Navient has been incorrectly applying student loan payments on my account for years. I did catch on instance which I had them correct. I also complained to them that it is very shady that I can no longer see my history of paid off loans. Their website also doesn't show the details of how the payments were applied and it also isn't easy to navigate making principal only payments.
Consumer complaint received 2023-03-18
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. (UT)

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 : # XXXX XXXX XXXX In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX  In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( 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 2019-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (LA)

IN THE PROCESS OF FIXING MY CREDIT I SAW I HAD A DEBT FROM XXXX WHICH WAS {$550.00}. ON XXXX REACH OUT TO THE COMPANY WHO'S NAME WAS ON THE REPORT WHICH WAS ( CONVERGENT OUTSOURCING ) SPOKE WITH SOMEONE WHO TOLD ME I COULD PAY A SETTLEMENT PRICE OF {$200.00} DOLLARS IN WHICH I DID BY GIVING MY CARD NUMBER OVER THE PHONE. I ASKED WHEN WOULD I RECEIVE A LETTER SAYING I PAID THIS BALANCE AND ALSO A REFLECTION ON MY CREDIT REPORT. I WAS TOLD IT WOULD TAKE 24-74 HOURS TO SHOW ON THERE SYSTEM AND 3-5 BUSINESS DAYS FOR A EMAIL TO COME SHOWING I SETTLED THE DEBT AND MY CREDIT REPORT TO BE UPDATED. I HAVE CALLED SEVERAL TIMES STATING I NEVER RECEIVED A EMAIL AND THE PAYMENT WAS TAKEN OUT MY ACCOUNT AND IM STILL TOLD ITS SHOWING ITS ON THE WAY. ITS XXXX STILL NO EMAIL ITS STILL ON THE WAY AND MY BALANCE STILL SHOWS A BALANCE OF XXXX BUT THEY SAYING ON THERE SYSTEM ITS SHOWS PAID IN FULL.
Consumer complaint received 2019-06-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased Insurance policy through Bank of America 15 years ago with XXXX XXXX XXXX XXXX XXXX   never filed a claim & all payments were deducted from my account monthly & I just received a cancellation letter from XXXX XXXX XXXX XXXX XXXX that the policy will terminate on XX/XX/2019 period. That is corporate fraud, Bank of America has told me they have nothing to do with the cancellation & whatever money I am out is too bad because of XXXX XXXX XXXX XXXX XXXX can cancel at any time they so desire, They simply generate enough revenue for a period of time & cancel whenever they choose.
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (FL)

Hello. I recently turned in a 2016 XXXX XXXX to the XXXX XXXX XXXX dealer in XXXX Florida after I completed my lease. I made my final payment in XXXX and on XX/XX/XXXX a day before my lease was due to be turned in I went into the dealership and the keys were given to one of the sales guys that sold a vehicle to us the weekend prior. He assured me that the keys were going to be turned into the person responsible for the lease returns. I get a call from GM Financial two weeks which is the finance company for the car on XX/XX/XXXX asking me where the car was. I told them that I had left the car at dealership as per contractual agreements. Apparently the dealership had not done their due diligence and did not do as they were supposed to. I received a letter from GM Financial this week stating that my car was repod and therefore it will get sold at auction and I'm going to be responsible for whatever fees and payments come about that. The car was repod from the dealership and I don't understand how this is any fault of mine. I find that unlawful as I turned over the lease as I was supposed to and the dealership should be responsible for any fees. They didn't even record the car the day that I turned it in. They're saying that they have XX/XX/XXXX as the date that I turned in the car. I should have nothing to do with that. I didn't receive any type of notification other than that call from GM Financial on XX/XX/XXXX that my car had not been turned in. The dealership is giving me the run around but GM Financial is stating that they will proceed with the steps to take after a car is repod. Do you have any advise for me?
Consumer complaint received 2022-07-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, BK OF AMER XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

I disputed to have JP Morgan Chase Accounts with the account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX, removed from my credit reports on XX/XX/2022 since sending out a letter to Chase. I have noticed that there are inaccuracies on each of the three credit reports XXXX, XXXX, and XXXX. It appears that Chase Accounts were removed on XXXX but not on XXXX and XXXX. Due to these inconsistencies and inaccuracies I would like to report this fraud and have Chase fix this issue as it is tarnishing my reputation and name.
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

I had a 44 month auto loan. My second acct with Westlake Financial Svcs in XXXX. My auto was repped 3 times. The 2nd time in around XX/XX/XXXX they reported again. I got a deferment in XX/XX/XXXX/XX/XX/XXXX and paid interest. My note was {$290.00} mo. And I paid {$400.00} XX/XX/XXXX bc of deferrals and my loan matures in 90 days. Had home repairs in XX/XX/XXXXso I skipped payment. They repossed on XX/XX/XXXX claiming I was two months behind. Thus, the beginning of this dispute.. Wanted me to pay {$1500.00} to get auto back. I spoke to XXXX XXXX at XXXX about the car. I initially thought it had been stolen. They advised that 1. Had NSF fees of {$100.00} and I paid with a bank card. I was told when repossessed 2nd time they didn't apply that fee although it was listed to recover auto and 2. They advised they had collected {$1000.00} more in interest than the loan said in the beginning and finally they wanted {$3000.00} to for car. I'm done will hatchet lender. Help!!!
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (FL)

XXXX XX/XX/2024 I used a vendor, XXXX They charged my card but made the reservations at the hotel for the wrong date. After chatting with them on the app was told I would get a refund. I went to a different hotel and paid cash. And was never returned my money. Then was charged an extra {$63.00} on top of the {$160.00} now the XXXX app shows I have no transactions with them I was charged for a room I never used. Chime bank denied both claims
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Last year in XXXX XXXX-I was able to see my online amortization schedule after login into my Mr. Cooper 's account. I need to see it as I make additional principal payments and I want to know how it impacts my loan maturity date and plan accordingly. Mr. Cooper shows me different $ $ $ figures and different maturity places- 4 different-in the online account. Since XX/XX/2021, -I am not able to see my online amortization schedule after login into my Mr. Cooper 's account. 

I am following up with Mr. Cooper since XX/XX/2021 regarding the same. During end of XX/XX/2021, I was told that they will do that in 7-10 business days. But still I can not see it. On XX/XX/2021-I had chat regarding the same ( attached ). 

In the absence of online amortization schedule, I have to request it and it takes around 7-10 business days for me to get it. 
As I am not able to see my online amortization schedule on my own, I might make more additional principal payments and then I need to work with Mr. Cooper on the phone to get that back. 

Mr. Cooper hire cheap XXXX staff to work in IT which is reflected in the overall work in the website. Please hire smart folks in IT ... i know two of my neighbors who are XXXX - who are working for Mr. Cooper. I never saw them working ... they are always roaming outside of their home during COVID-19 remote work ( during remote work ). 

Moreover on XX/XX/2021, I ask some very specific questions to Mr. Cooper. Mr. Mr. Cooper hasn't provided the answers for them till now.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.
Consumer complaint received 2019-06-29
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)

There are current unverified accounts on my credit report. I have contacted the company with in XX/XX/2019 listing the unverified accounts. They responded with that the accounts have been verified. They did not send me the requested contract from the lender nor did they show me what information they used to verify these accounts. I sent a second letter attached below and got a will not reinvestigate as a response. This letter only was requesting a copy of the original documentation, which is required under section 609, used to verify the accounts and to delete all accounts which can not be verified. These unverified accounts are causing me stress and inhibiting my ability to obtain personal credit.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (RI)

Hi, upon checking my credit files I saw I have a collection account with Transworld Systems Inc and it said the original creditor was XXXX XXXX, I reached out to all 3 credit bureaus ( certifiedd returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by the collection company and to reached Transworld Sysytems Inc if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents or bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with XXXX XXXX or this company, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file this is what I found, now I have to litigate this knowing I have never opened any type of utility service with them or any company before. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 3o days, nothing at all. I want this deleted from all my credit files please. attached is the letter that i sent them.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OK)

I used XXXX XXXX credit to make a purchase for furniture and the credit is serviced by Comenity Capital Bank of XXXX Ohio. The minimum payment requirement was XXXX dollars per month. But I have been paying XXXX dollars per month and the bank has been charging me excess interest. My last payment in XX/XX/XXXX showed a balance of about XXXX dollars then they sent me a balance for XX/XX/XXXX payment of XXXX dollars. Although I have been making payments almost 3 times the minimum amount. I don't understand why.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (LA)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 A. section 602A. States I have a right to Privacy.

15 USC 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Charged off account was paid in full in on XX/XX/2016. Asked for the account to be removed from all 3 credit bureaus since there is no other debt owed.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION ()

We are XXXX  who routinely spent our winter months in Florida. Due to XXXX, we were unable to come to XXXX in XXXX and XXXX. Our Suntrust Bank switched over to Truist in XXXX of XXXX and we have been unable to access the checking account since. 
With declining health, we can no longer live the snowbird life and want to close the account and withdraw the money, a significant amount to us- {$6800.00}. 
After many attempts to phone and email Truist, we finally spoke to a branch manager who informed us the account had been declared dormant in XX/XX/XXXX, less than 2 years since we last visited a branch XXXX Florida. I believe the account should have stated current for 5 years, by Florida law. 
The advice we were given was to contact Florida Treasure Hunters to claim our money. We have accessed fltreasurehunters.gov numerous times, both on line and attempted phone calls but we can not find any information in our account. 
We would appreciate any advice on how to proceed.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Real estate property : XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I would like this information to be entered in my credit report as far as my home address, my employer, and my real estate holdings all this need to be updated!
Consumer complaint received 2022-04-27
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. (IL)

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2019-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have incurable XXXX and have been working to improve my credit scores for lower life insurance and interest rates. My history on Transunion shows 100 % on time payments for years with the only drop in score due to 38 % credit card usage in XXXX ( car repairs/Dr 's. ), which I paid off to keep raising my score. By XX/XX/XXXX, my score was back to XXXX. On XX/XX/XXXX, I paid more to get usage down to 25 % and a XXXX score. I have since transferred {$470.00} to an interest free credit card account and paid off {$1100.00} for a drop of {$650.00} off my total balance and brought usage down 4 % to a total of 21 % with todays credit score check. No other categories changed, and I was shocked to see that my XXXX XXXX decreased, not increased. It makes no sense. How can everything remain the same except you lower your credit usage from 25 % to 21 %, which is a high impact category, and your score is lowered and you are punished. I was on the phone to Transunion 3 times for explanations only to be told by someone from XXXX, that they could not tell me why. Then I placed another call and someone named XXXX from the XXXX told me the same thing and neither could give me a contact number for a United States office to call or visit, but they could transfer me and connected me to a number that rang over 20 times and no answer. Sending Attachments so you will see my Transunion score info and changes and all categories remained the same or improved but the credit score dropped.
Consumer complaint received 2019-06-28
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. (RI)

I have disputed an erroneous collection report on my experian credit report multiple times with no avail. I have sent them the actual documents from the CA that proves that it is not even in my name ( name on CA documents is not even spelled the same as mine and signatture too. ) yet they still report this information. After i complain to experian and complain on here all the do is send me an updated copy of my report with the wrong information still.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CO)

Chase Card partial account number XXXX***** - is reporting incorrectly to XXXX ; XXXX and XXXX a 30 day late payment in XXXX, 2019. ( Please see page 3 of the attached credit report. ) I receive monthly paper statements however I did not receive this month 's paper statement in the mail. I live in an art district which is primarily the warehouse district - and the mail consistently gets mixed up because there are so many mail boxes and consequently I did not receive this paper statement so I inadvertently neglected to make this payment. This incorrect reporting is harming my credit score.