davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IN)

My student loans are from my days at the University XXXX XXXX ( XXXX, XXXX ) and at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ). 
I increased my monthly payment to {$500.00} per month, to pay down the principal. My credit report shows the payments as {$490.00} per month. I wondered why/how {$500.00} could become {$490.00}, so I called the Navient. I was told to provide a copy of the credit report, which I did, along with detailed explanation of my question. ( I sent it by certified mail. ) I asked why the AAP ( actual amount paid ) was shown a dollar short each month. I also asked Navient to fix it. 
The following week, I received a letter, which answered a different question ( I had asked XXXX, clearly marked, questions. ) The letter neither acknowledged nor addressed my concern about the mis-reporting. 
A month later I received an additional letter. Here is what it says ( in part ) : XXXX " You recently asked us about removing information from your credit report. We 've conducted a thorough investigation regarding your concern ( s ) and reviewed the information you provided to us. Our research has concluded the information we 're reporting to the consumer reporting agencies is accurate and no corrections are warranted. 
" The Fair Credit Reporting Act requires lenders who report information to the consumer reporting agencies to do so with accuracy. Navient can not remove accurate information previously reported. 
" If you still believe the information reported is not accurate, please provide additional supporting information such as a copy of your credit report,.... '' XXXX As I wrote above, I sent documentation, I asked why there the information was incorrectly reported, and I asked that it be fixed. I was told there is no problem, and that a copy of my dispute would be attached to the credit reports. The letter I received made no mention of what it was that I asked. 
An additional concern is that Navient seems unable to send me a record of past payments which includes the remaining balance of my loan. This is important, because the credit report shows the remaining balance, but it also shows the erroneous {$490.00} payment. I want to see if Navient is also reporting an erroneous amount of my loan being paid off. 
Thank you for your time.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

My SAVE payment is incorrectly calculated, and has been despite multiple attempts to fix this. The current payment displayed by MOHELA is {$520.00}. This is the correct HOUSEHOLD total SAVE payment for the XXXX MOHELA has on file for me. It is not the correct SAVE payment for ME however, since my XXXX  has student loans also under the SAVE program, and we are married filing jointly. My wife 's student loans currently amount to {$10000.00}, and her INDIVIDUAL SAVE payment is {$32.00}. This means that my INDIVIDUAL SAVE payment should be {$490.00} and NOT {$520.00}. 

MOHELA has refused to correct this mistake despite multiple attempts via phone and email.
Consumer complaint received 2019-02-24
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: EQUIFAX, INC. (NY)

Here is the story XXXX XXXX XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.
Consumer complaint received 2017-02-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America will not cancel a home equity line of credit. They acknowledge the {$0.00}. balance and received the written request XXXX XXXX 2017. BofA claims a flood insurance policy has or will be, forced placed, as a " revenue enhancer '' to protect the {$0.00} balance. The home equity/ mortgage dept.says they have no control over this, and transfer me to the insurance dept. The insurance dept says it is entirely up to the home equity/mortgage dept and they transfer back to the home equity/mortgage dept. The two department do not agree as to the amount I should pay but they do agree my balance is {$0.00}. I have wasted several hours on the phone with BofA often getting switched between the two departments. In the XX/XX/2017 mail I receive a statement for XXXX balance with a insurance charge of {$3600.00}. ( This is the first bill I have received ). I called again today, and again got switched from dept to dept. everyone agrees this should be XXXX out, but not by their dept, the other dept has to handle it. They also said I would not get an insurance policy but they would send a certificate of Insurance although the starting date would over a month ago.. Today, I wasted another hour and a half on the phone with bank of America. 
I just want bank of America to stop this nonsense and close all my accounts
Consumer complaint received 2016-09-03
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC. (NC)

I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do?
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 an 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 or 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 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I 'm a Navient customer I went to XXXX College XXXX which lied to me about their accreditation. I did not find out that they were not accredited XXXX until I applied for my XXXX Degree at another University. I was denied due to the non-accreditation. Apparently, XXXX College was only accredited by XXXX at the time which most Universities do not accept. However, I was making payments on time for about two years on Federal and Private Loans. All payments were current and fully paid. Without my knowledge or approval Navient took my private loan from XXXX. I did not learn of this until I noticed that I was no longer receiving my billing statement from XXXX. I then made calls and was then informed that both accounts were being serviced by Navient and I was delinquent. I called Navient which worked out a payment plan to bring my account back to good standing. I asked for the XXXX seperate account number so that I could write a check to both accounts each month. Navient refused to give me XXXX seperate account number of both accounts. They told there was no need and that they would split the payment. I agreed and complied with their instruction to send a single check for both loans. A few months past and then again I was notified that I was delinquent. I called Navient again and they informed me that I had not made a payments on my second loan. I repeated to the representative what I was told me on the previous call, to send a single payment for both loans. I was then told that those were incorrect instruction. I told him in full and complete compliance of what the representative told me. I informed him that previous agent gave me disinformation and asked to remove all late fees, any penalties, and to restore the original interest rate. They refused. I asked for a copy of my signed contract and they refused. I was so angry I hung up and I refused to pay as I felt I was being taken advantage of and scammed twice by Navient and by XXXX College XXXX which claimed to have a 95 % success employment rate in the industry. These are all lies to steal money and entrap students in unfair high penalty loans. I can not find a job in the industry as I 've applied over a XXXX positions. This is really has destroyed my confidence in our society. I live in deep despair, mistrust, and hopelessness each day. I wish no one else to go through this.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was referred to XXXX XXXX I should have been referred to XXXX Labs for my lab work. My doctors referred me there. I have XXXX XXXX and have contacted them. I do n't think that I owe {$180.00} to XXXX XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting 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. (PA)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these inquiries to be removed from my credit report : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-02-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BB&T CORPORATION (AR)

On XX/XX/2016 I sold my side by side! I was givin a check witch was approve by XXXX XXXX The check was sent to them for the payoff witch was $ XXXXI got a receipt the the side by side was payed in full.Now they are trying to tell me I owe them {$13000.00} and are steadily adding interest.This has caused me a lot of stress.I wasnt able to get my XXXX XXXX refinanced.
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TN)

I am filing this complain because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed.please resolve this manner as soon as possible. thank you Note : the attached document part of my credit report that i have revived from Experian and it has multiple errors in my personal info that i have disputed but they kept it on my file
Consumer complaint received 2022-02-11
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. (DC)

On XX/XX/XXXX I submitted a CFBP complaint # XXXX stating the following I did not consent to authorize nor benefit from any of the following inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. And requested Experian removed the inquiries listed in the FTC Report. Experian did not comply to my request and is currently in violation and I will seek litigation if this matter is not rectify. I submitted proof of my identification and provided Experian authorization to remove the requested inquiries.
Consumer complaint received 2016-04-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (DC)

This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.
Consumer complaint received 2015-03-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

Vehicle returned to GM on XX/XX/XXXX ( as acknowledged on letter attached ). 
GM Financial issued a final bill XX/XX/XXXX with a due date of XX/XX/XXXX. 
This letter was mailed to the wrong home address ( had a typo ) and I never received it. I also didn't get a letter online on my GM Financial account. 
In the beginning of XXXX, XXXX I saw a decline in my credit score owing to this account declared delinquent by GM Financial. 
I called GM financial on XX/XX/XXXX and spoke to XXXX ( agent id : XXXX ) who informed me that the bill was sent to the wrong address and a new letter will be mailed to my home address and an update will be sent to the credit bureaus for correction and asked to call back. 
Called back on XX/XX/XXXX and spoke with XXXX ( agent id : XXXX ) and confirmed that she will submit the credit bureau correction the same day. 
Called on XX/XX/XXXX and spoke with XXXX ( agent ID : XXXX ). Was informed XX/XX/XXXX invoice was mailed. Credit bureau is submitted and being worked on. Was asked to call back on XX/XX/XXXX to confirm. 
I received the letters ( attached ) and sent the check right away ( date XX/XX/XXXX, see attached a copy ). 
Called on XX/XX/XXXX and spoke with XXXX ( agent XXXX ). Was informed that credit correction submitted on XX/XX/XXXX and creditbureau correctionswill take 30-45days. 

It's been nearly 9 months and my credit reports with XXXX, XXXX  and XXXX  still show this account as late payment ( see XXXX  as an example ).
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Bank of America and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the boa credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2015-05-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (FL)

The company misrepresented that I owed a debt that it could not substantiate my ownership, even when I requested that documentation be provided. Further, the alleged debts were from XX/XX/XXXX and XX/XX/XXXX and I indicated if they were mine it was past the statute of limitations. Additionally, they provided information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate. Lastly they failed to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency and used illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; and failing to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AR)

On XXXX XXXX XXXX I was informed that a vacation had been canceled that was to take place on XXXX XXXX XXXX. I had paid the full amount earlier on my chime account. It was deducted by XXXX XXXXXXXX XXXX. After finding this out I file for a refund which Chime claimed they investigated. Which was impossible because they came back 2 days later with a denial. The service I paid for was never rendered. I just recently found out I should try to have CFPB check into it. Chime later close my account because I tried again on XXXX XXXX with no results. Company also filed BankruptcyXXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I submitted a CFBP complaint # XXXX on XX/XX/XXXX. With a request to remove unauthorized inquiries with FTC report # XXXX. Equifax did not remove all inquires requested in the report. The left the following inquires ( 1 ). XXXX XXXX XXXX and ( 2 ) XXXX XXXX XX/XX/XXXX XXXX