davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.
Consumer complaint received 2023-05-08
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: Credit Karma (FL)

Credit karma did a horrible job disputing negative charges on my credit report they emailed their report to only 2 of the 3 buros and the two that got it has a half baked report my nice could have done my credit has been XXXX for 9 months extra than k should have paying more than XXXX usd to get it fixed now by XXXX XXXX they found over 60 combined error in my report and not just that ck was suggesting i apply for credit cards to fix my credit and it was affecting it more im very upset the money time and everything this has cost me is crazy ive paid companies to report positive payments tk raise my credit no service or item in return other than to improve credit what is why i signed up flr it wish i never did now its like putting a XXXX in the XXXX were they learn to help people on the back of a XXXX XXXX
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2015-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2021-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

XXXX Requested Removal Authorized User-early or mid XX/XX/2021 Contact made with Fraudulent Representative at XXXX credit services. 

Unnecessary to have name on account ; no access to account. 

Suspect credit card Fraud. 

Please advise
Consumer complaint received 2015-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

XX/XX/2023 I received the following email from chime member services : Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Chime Checking Account will be closed on XX/XX/2023. 
If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed. 
If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2023, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 
Sincerely, The Chime Team - I immediately called them but was told by multiple agents that there was no specific reason to why my account was closed and that any funds would be mailed to me in a form of a check. 
I even contacted them via email to get some more information on why this was happening and I still havent gotten a response. I am locked out of all of my funds and now dont even have money to buy groceries or to pump gas so I can get to work.
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (AZ)

In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a XXXX XXXX XXXX and financed with Kia Finance. Fortunately I was able to pay my loan off early. The final payment to Kia Finance was made to them by wire on XX/XX/2022. The wire payment was for more than the pay off by {$1200.00}. 
When paid, I called them and asked when the refund would be issued. They advised it would not be processed for 10 days. That put it to XX/XX/XXXX, which was a holiday, so I waited. No refund, I called again and was told it takes 30 days. Waited no refund. 
I called after 30 days to be told now it takes 45 days. No refund. My last call to Kia Finance was on XX/XX/XXXX, and was told it would take 4 working days. Still no refund. 
It is now XX/XX/XXXX and when I call, I can not even speak with someone their system says they are too busy to call back. The have had my money since XX/XX/XXXX, my contract was paid in full, I received the pinks slip just not my overpayment.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

Chase is not responding to my request. 
Chase bank continues to mis calculate my Escrow and I believe they are mis applying it to someone else account. every year for 3 years they have increased my escrow and its not because of an increase in insurance or taxes. it has been all about a shortage. 
They have not responded to my request for a detailed outlined as to when my account was first miscalculated and why.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I have a secondary property in which I purchased XX/XX/XXXX. I have been making my payments all on time. On XX/XX/XXXX, I received a call from Chase asking me if I needed help with my payments. After a lengthy conversation, it turns out they did not have my correct address in the system -- yet on file, just not in their system. So I received no correspondence in regards to a increase. Since XXXX, they have been filing me delinquent for not paying the full amount, just the partial amount. When I approached them to wave my fees and clear my credit, since I was not notified, and paid the amount in full once I was notified, they denied my request. I do n't understand why they did n't contact me sooner, and not to ask me if I needed help with the $ XXXX/month increase.
Consumer complaint received 2023-05-06
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

First, I want to say that the online information regarding student loans and loan forgiveness in general as well as on the FedLoan website is incredibly confusing and difficult to follow. For this reason I have called FedLoan Servicing to clarify things on multiple occasions, and I feel like each time I receive different information. So to be honest, I never have felt confident that I am doing the right thing, submitting the correct forms at the right times, etc., and at times the people I have talked to there do n't seem to know either. 
Currently, my major issue for which I want to file a complaint is that they are now telling me I am overdue to repay my loan. This has not happened to me before, and I do not want my credit rating affected by this frustrating company. 

The backstory : I have applied to FedLoan Servicing multiple times for the Teacher Loan Forgiveness Forbearance. I was repeatedly denied this forbearance for the reason that my loan was not yet in repayment. ( Yes, someone who was on top of taking care of her debts was denied the ability to do so in a timely manner. ) So I re-applied through their website/my account XX/XX/XXXX, once it appeared that my loan was in repayment. They did not send a digital response accepting or denying my application this time, as they had with all my other attempts. Two weeks later, they sent a hard copy letter in the regular mail, again denying my application because apparently I had inadvertently left off the state and zip info for my school. First, I think it 's impossible that I actually left that info off because their online system would n't have let me submit it with information missing. Second, they included a hard copy of a new application, which I dutifully filled out and mailed back. Needless to say, all this cross-country regular mail takes time, but remember, they would n't let me take care of this ahead of time ; my loan had to already be in " repayment '' before they would consider my application. Now they are claiming that my first monthly payment is past due. 

Their lack of electronic communication in this last application, along with all the denials for reasons of applying TOO EARLY, truly make me believe that this company intentionally caused my loan to go into payment and then be late on the first payment for the sake of making more money off me. I honestly ca n't think of another explanation for why they would n't let me apply for the forbearance earlier and then why they neglected to send a digital ( and therefore fast ) letter stating that there was info missing from my application. 
( Oh, and I immediately tried to call to remedy this situation the moment I received notice that my payment was past due. Their phone number is not working. Of course. )
Consumer complaint received 2024-02-15
Product: Credit reporting 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 XXXX Account Number:XXXX  has violated my rights. Or a 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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

I recently sent a completed form requesting my free annual credit report from XXXX and Experian to the address on the form at XXXX in Atlanta. 

Although XXXX sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to XXXX different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from Experian. 

I will file a separate complaint for the host of inaccurate and incomplete information on my XXXX report, but please shut down XXXX and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

XXXX has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force Experian to mail me a copy of its file on me to the address on the form I used to obtain the XXXX report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since XXXX rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.