davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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)

In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} )
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Wired $ XXXX USD to CoinBase on XXXX XXXX, XXXX. Was told the wire was rejected around XXXX that evening, but the bank shows the charge as being accepted. I was sent a message explaining why the wire was rejected and that it would be returned in 3-5 business days. It is now XXXX XXXX, XXXX and have had no luck dealing with Coin Base through any of their 3 forms or support.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion, XXXX, XXXX : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?
Consumer complaint received 2021-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Belem Servicing LLC (TX)

I am not a customer of Patriot Home Mortgage, I received an advertising mortgage offer from Patriot Home Mortgage posing as my actual mortgage lender who issued my loan. 

I received an advertisement posing as my mortgage lender ( I currently have a VA mortgage on my house ) on XX/XX/2021. The view window of the letter piggybacks on the title of the lender of my closing so that I think the letter is an official communication from my lender. The advertisement came from Patriot Home Mortgage NMLS ID # XXXX. The concern I have that I wanted to bring to the attention of the CFPB was the misleading reference to a " Fixed Rate '' that doesn't follow my understanding of the CFPB rules for advertising that I have included references for. 

The advertisement presents a " New 30-Year Fixed Rate '' of 1.75 % /2.433 % * APR. 

Not until the fine print at the bottom of the page does the ad detail in very small print that the " fixed '' rate is in fact an ARM, it does not indicate that the rate is subject to future increases, but mainly the advertisement does not follow CFPB regulations that I've copied in the below link and pasted the subsection below relating to points A and B. The footnotes do detail that the rate is fixed for 3 years. I am a veteran and I work in finance and I found this to be predatory and/or deceptive. 

I have attached a screenshot of the picture of the letter blocking out my identifiable information, if more information is needed I can be contacted. 

Referenced material : https : XXXX # XXXX ( 1 ) Misleading advertising of fixed rates and payments. Using the word fixed to refer to rates, payments, or the credit transaction in an advertisement for variable-rate transactions or other transactions where the payment will increase, unless : ( i ) In the case of an advertisement solely for one or more variable-rate transactions, ( A ) The phrase Adjustable-Rate Mortgage, Variable-Rate Mortgage, or ARM appears in the advertisement before the first use of the word fixed and is at least as conspicuous as any use of the word fixed in the advertisement ; and ( B ) Each use of the word fixed to refer to a rate or payment is accompanied by an equally prominent and closely proximate statement of the time period for which the rate or payment is fixed, and the fact that the rate may vary or the payment may increase after that period ;
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.
Consumer complaint received 2019-03-05
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. (MA)

In XX/XX/XXXX I received an auto loan from XXXX XXXX XXXX. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by XXXX XXXX on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with XXXX XXXX XXXX, yet additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and XXXX XXXX is one of them. After looking into the payment history, I realized that XXXX XXXX has multiple 30, 60, 90 day late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with XXXX XXXX and that was in XX/XX/XXXX. I have tried to call XXXX directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

This complaint is about XXXX XXXX. When they call numerous times a day, their phone number comes across as " Restricted ''. When I reject the phone call, they immediately call again, sometimes multiple times in a row. I have asked them to quit calling me and to send me correspondence through the mail, and they have failed. I have asked multiple times. The amount of times they call a day I would consider harassment. It is completely over the top. 

Here 's the call log : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX I have more history if you would like, just let me know.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rausch Sturm LLP (TX)

XX/XX/XXXX, Rauch Sturm Re cause no. XXXX XXXX XXXX   XXXX, XXXX  XXXX  They call my job every single day for my wifes old debt of XXXX from XXXX! 

They also have stated they want to take my wages and property. They have demanded I give them an inventory list of my personal property and wages so they can have them. 

They have demanded I give them my bank account information and details about my home. They even want know how many family pets I have, paintings, tools, and kitchen appliances. 

They also have demanded to know my salary, the name of my boss, and when my pay day is. They have made it appear that I will go to jail if I do not give them this information.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (CO)

I contacted navy federal credit union in order to get my interest rate reduced and be reimbursed interest fees charged due to me being in the mliitary. I left the XXXX and Joined the XXXX XXXX and Navy federal will not reduce the amount on my card even though they legally should under the SCRA. 

As stated on the CFPBs websites : Protection # 1 : Reducing the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX service or a letter from your commanding officer that shows the date you began XXXX XXXX service. 

The rate reduction for pre-service obligations applies during the period of XXXX XXXX service for most loans and, for mortgages, for an additional year after the end of XXXX XXXX service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above 6 percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX. 

A lender cant revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender cant furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances but you still have to pay back your debts. 

I have produced orders for the reduction, my XXXX showing that i joined the space force and all I am being told is in the system I went from XXXX to XXXX XXXX and there wasn't a 24 hour break. This isn't stated as a requirement by the federal government and other banks that I had accounts with HAVE lowered the rate in accordance with the Service Members Civil Relief act.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

While attempting to pay a bill, I notices several deductions ranging from {$500.00} to {$10000.00} were made by someone other than account holders. I informed Truist bank. Truist is a bank that was created as a result of BB & T merger with Suntrust. I was formally with Suntrust. 
A fraud claim was issued for my checking account. Checking account put on hold. New account created and money left in account placed on hold was transferred to a new account. I can not pay bills through my new account. It doesn't show up when I'm in the Pay bills section. I have called Truist on several occasion and have even gone into the local branch. 
At first I though it was fraud but after hearing customers on XXXX XXXX XXXX it appears to be a internal banking issue. 


See attached.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..
Consumer complaint received 2024-03-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I received a {$200.00} Amex Prepaid Gift Card from my employer but I have not been able to use it online or at brick and mortar stores because it is not accepted anywhere or it just declines.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license Utility Bill
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY REPORT.
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP (OR)

I canceled my checking account ( XXXX ) with Key Bank, and system problems at Key generated numerous checks to myself and my wife, even though the account had been closed. I returned the checks, spoke with two bank managers in an attempt to stop the printing of any further checks. After two bank managers assured me that the problem had been resolved, and all NSF charges had been reversed, I thought the matter was settled. 
About a year afterwards, I received a notice from XXXX on XX/XX/XXXX that indicated I owed {$160.00}, a delinquent collection notice. This was the first such notice. 
Key Bank has agreed to pay the delinquency, but as of XX/XX/XXXX, I do n't see that they have paid the {$160.00}, nor have they recompensed me for the drop in my FICO score, caused by their errors. 
It seems strange a closed account could generate the problems precipitated by IT problems at Key Bank.
Consumer complaint received 2017-07-28
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. (KS)

XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY REPORT.
Consumer complaint received 2022-09-09
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. (FL)

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license Utility Bill
Consumer complaint received 2019-03-06
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. (FL)

Despite more than one month and a half calling them directly using the numbers furnished back of the cards and on printed letters phone numbers printed in the back of their own documents they do not fix the the mistake and are trying for all possible ways to make me sign docs in that way i would be responsible for those exactly amounts that i am proving are not my liabilities cards and accounts fraudullentlly open on my name without my consent I mean come on how many times is it really necessary to say that : I am a victim MY IDENTITY WAS STOLEN by Mr XXXX XXXX XXXX also known as XXXX XXXX ( FRAUD ) ALSO XXXX XXXX XXXX XXXX ( FRAUD ) & XXXX XXXX ( FRAUD FRAUD ) to Mr J P MORGAN AND CHASE & TO : Mr. XXXX XXXX? When are you ( 2 ) going to PRESS charges and pursue JAIL TIME to this INDIVIDUAL that is STEALING from me ... my family ... .stealing his employees stealing his suppliers stealing from the state of florida and strelinfg from the federal government? To whoever that might be interested I XXXX XXXX XXXX one of his victms I have the proo of all of his crimes. Including but not limited the bad treatment to 4 cats called ( XXXX XXXX / XXXX and XXXX ) that are left alone in a place that is disgusting nasty UNFIT for the animal to live in. 

Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NY)

I was contacted by mail about a student loan consolidation service by a third party named XXXX XXXX who claimed to be affiliated with the US Department of Education. I beleived them to be legitimate with the way they presented themselves but after further investigation they are a scam either way I am already out {$390.00}
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (CA)

On XX/XX/2022, I used a chimney repair service, XXXX XXXX Chimney Sweeping ( https : //avantchimney-alhambra-chimney-sweeping.business.site/ ). They sent a chimney sweep XXXX XXXX to my house. After completing the work, he refused payment by check and demanded payment through Zelle. I paid him {$1500.00} for chimney cleaning/brick repair and an additional {$200.00} deposit for a cap and damper both through Zelle. The brick work he performed was subpar and fell apart within 10 minutes of him leaving my house. He returned and attempted to repair it but made it look much worse. He also did not put down any plastic sheeting and mixed mortar in my living room leaving a mess. I spoke to his boss " XXXX '' who said he would refund me the {$200.00} deposit ( since we cancelled the cap and damper work ) and {$400.00} towards cleaning my house. I called Zelle and they refunded me the money subject to an investigation. A few days later, the money was removed from my XXXX checking account and I was told to resolve the issue with the business directly. Since then I have tried to call and email XXXX. The phone number listed on the website no longer works. XXXX, the XXXX refuses to answer my calls to his cell phone ( although I have texted him photos ), and it turns out the chimney sweep is an unlicensed contractor ( after checking with XXXX XXXX ) and perhaps works at a company called XXXX XXXX XXXX XXXX. XXXX is actually an answering service called XXXX XXXX XXXX. I would sue them in small claims court but have been unable to find an address for any of the companies involved and believe the setup to be fraudulent. I have repeatedly requested my {$200.00} deposit back plus the {$400.00} for the cleaning fee but my repeated attempts at resolution have gone nowhere.