davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-03-07
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. (CA)

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 Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

hello, my name is XXXX XXXX. 

i would like explain to paypal about my concern. 
i has paypal for along time and i always use my account in good way. 
i love paypal becouse is safe, i love paypal becouse is easy to resolve any financial problem. 

I feel really sad becouse now my account has been limited without any reason. 
i dont have any charged back, i never been involved on fraud activity. 
i respect the policy of paypal. 

I wish to get my account back. 
i will apreciate if somebody will able to help me to resolve this problem. 
my email is XXXX ID referent is XXXX
Consumer complaint received 2017-01-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.
Consumer complaint received 2021-06-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc. (NV)

On XX/XX/2021, Solidifi XXXX XXXX emailed us a check for {$350.00}. On XX/XX/XXXX, we contacted to advise them we can not cash the check as it is made to " The XXXX XXXX XXXX Joint Revocable Living Trust '' and we do not have any accounts titled this way. When we spoke with XXXX XXXX of Solidify on XX/XX/XXXX. She asked that XXXX and I send her an email with this request on XX/XX/XXXX which we did. However, on XX/XX/XXXX she asked us to do this again. I emailed her again with this request. I attached the copy of our request of XX/XX/XXXX. Refinancing with XXXX and having Solidifi as our title company has been a total nightmare! 

XXXX XXXX
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The Company XXXX emailed me a paycheck and it was printed and sent to Bank of America. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Bank of America then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Bank of America Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

I sent my payment on XXXX via XXXX postal service to Provident Funding located in the city of XXXX XXXX, California. 

The payment is sent on the first of every month along with all my other bills. Provident Funding alleged they did not receive my payment prior to XXXX when they sent me a letter stating that. 
All my other bills were paid by then as all my other checks had been received by the corresponding companies and all my checks had cleared. I verified this information by logging into my bank account. the only check and bill outstanding was Provident Funding. 

I have never paid late, and I mean never. I do not have a single late payment with this company ( Provident Funding ) since 2007 or XXXX the record will reflect that as well. 

Once i received the letter, i contacted Provident immediately on XXXX and informed them of the payment. they advised me that the late fee will still apply in the amount of {$57.00} DUE TO LATE FEE. I requested to have it waive as it was not my fault the payment had not reached them as of XXXX. 

The representative was so rude and unprofessional, talked to me like if i was stupid or ignorant, raised his voice and denied me the opportunity to talk to a supervisor stating there was no need and payment had to be submitted and the late fee was not an option to waive as they do not have a late fee policy. if i did not pay the fee, they will added it to my balance and still pay it. the representatives name was XXXX and would not give me anymore information, he further stated it was not their fault that the US mail was late or lost my check and therefore i had to pay the late fee. he couldn't answer me when i asked him if it was my fault then. 

I was so angry about the treatment and late fee, I had my son assist me with paying the full payment via on-line thru their website the next day. it was paid in full via on line. 

On XXXX they sent me a letter and a copy of my check that I had sent on XXXX the letter states that my check had not been cashed/process because it had a stop pay. I never stopped the check and went to my bank and obtain proof that the check had never been stopped by me or anyone, The bank also notified me that my check had never been processed by any bank. My check is intact and has the date i wrote it on XXXX I want my fee waived and I sure that as lenders they are required to have a late fee policy as well as good cause for late fee waiver. 

Please assist me in getting this company to not charge me for the late fee and to stop trying to get people to pay this fee illegally.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NJ)

I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.
Consumer complaint received 2020-07-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (AL)

On XX/XX/2020, I mailed Deville Asset Management Ltd. a letter, along with documents, to verify an alleged collection for {$8800.00} or delete it and discontinue reporting to the bureaus if they couldn't verify the debt. I received a return receipt stating that they received the documents on XX/XX/2020 and have yet to receive a response from them to this day. Verification or removal was also requested due to the company 's CEO being imprisoned for multiple charges in which making fraudulent accounts was one of many. I really need this to be deleted/removed as this is the only thing keeping me and my XXXX kids, ages XXXX and XXXX, from moving forward in my homeownership program so that we can move out of my parents overcrowded home. Please help me with this matter.
Consumer complaint received 2018-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We have lived in our house since we built it in XX/XX/XXXX. We have paid off a second mortgage in full, paid property taxes and homeowners insurance on time and in full with no escrow account. We have NEVER been late or missed a mortgage payment. Since OCWEN became our mortgage servicer, we have encountered nothing but problems. 

On or about XX/XX/XXXX I received a call from OCWEN stating that they were offering a service to mortgage holders in good standing who have owned their home for over 15 years. They were going to pay the taxes and insurance for calendar XXXX and apply those payments to the back of our mortgage. When I asked what the catch was, I was told there would be no catch, this was a company marketing effort to enhance good will with our customers. 

While I was HIGHLY suspicious, and should have know better based on my earlier problems with OCWEN, I agreed to the promotion. 

As I expected, OCWEN did not do as they promised. Our taxes were due on XX/XX/XXXX and were not paid. I called OCWEN and was told that tax payments were paid in bulk and there are times when the county doesn't apply the payments in a timely manner. I was told to " rest easy '' as the taxes had been paid. 

On XX/XX/XXXX I called the XXXX County Tax Office and was told that the taxes had not been paid. I again called OCWEN and was told that they had been processed. 

OCWEN finally paid the taxes on XX/XX/XXXX. Penalties and interest were assessed as the taxes were paid 145 days late. I again called OCWEN and was told that it was a clerical mistake at XXXX County and that the original payment had been returned. I called XXXX County and was told that the only payment associated with my property was received on XX/XX/XXXX. 

I've been fighting with OCWEN over this " good will '' marketing plan ever since. They stopped applying my mortgage payments to the loan and started applying them to the past due balance. They now say that I am in default and are attempting to foreclose. 

I am requesting any assistance you can provide.
Consumer complaint received 2018-05-21
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: Service Finance Holdings, LLC (FL)

My house is sold and I'm trying to get a mortgage but because XXXX is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by Service Finance Co, LLC
Consumer complaint received 2018-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing. 
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?

3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.

4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.

5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.

5. Union Bank responded to my previous complaints but their responses are not satisfactory.

I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MT)

I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!
Consumer complaint received 2022-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (WI)

My vehicle loan was originally through Suntrust and was transferred over to Truist. All of my account information is only accessible online. When I made my last {$620.00} payment to Suntrust, my principal balance was {$28000.00}. Unfortunately, since the company switched over, I can no longer see my prior balance or ANY billing information. I made my first payment to Truist on XX/XX/22 for {$620.00} and when I log in to Truist it shows ( AFTER the {$620.00} payment ) that my balance is now {$28000.00}. This would mean that only XXXX cents of my payment was applied to principal. When I log into Truist, there is NO prior balance information or anything reflecting how my payment was applied. There is also hardly any information to contact them except for a phone number. I immediately called them and after waiting on hold for an hour and a half, was told a manager would call be back within 48 hours. I called on Monday XX/XX/22 and still have yet to receive a call back ( now XX/XX//22 ).
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX XXXX account money was deposited and withdrawn by several different names thru a XXXX acct. have never open a XXXX account or received any phone call or message approving this. These were unauthorized charges that I did not authorized. After researching more information on this XXXX I have recently found that Truist Bank is a part of XXXX. 
XX/XX/XXXX I called the XXXX. Which is the number with truist to file a claim. That same same day I went to the local bank spoke XXXX XXXX to help me with this claim. I received a claim confirmation number. That I was informed that they would have to mail me paperwork to fill out and I would have to get notarized signature with detail information regarding my claim. On XX/XX/XXXX I received email that they did not find an error that occurred. This is not acceptable.. at any circumstances did I sign up or approve any XXXX exchange thru my account.