davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

Navient has aggressively hounded me at home, work, through family, friends and people I have not had contact with in many years. It's very tricky attempting to navigate their system in order to provide options in order to get my loans out of default. My loans are now over double what they originally were which is directly related to fees and interest making my loans more than double to originating amount. I have a 4 year degree that is now costing more than my yearly salary. I get nowhere working with them and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to the mishandling of student loans. Any time I returned their calls in the past the option shoved down my throat was to go into a forbearance. Once that was exhausted they suggested I take on a third job or that my husband take on a second one ( this is unrealistic ). No one there has provided me with any realistic options consistent with our level of income. I am already in XXXX other student loan rehab programs.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MN)

I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!
Consumer complaint received 2018-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I refinanced several of my federal student loans through another lender ( XXXX ). A payment to close out those loans was sent to the loan servicing company on XX/XX/XXXX, but was applied incorrectly across all my loans instead of paying off the specific ones noted on the paperwork. On XX/XX/XXXX, I called federal student loan servicing to ask for the allocation to be adjusted to match what was sent from the refinancing company. They submitted this and told me it would be resolved in 7-10 business days.

After the 10 bushiness days had passed, I called again on XX/XX/XXXX and was told that this was still in process, but would be escalated to a supervisor and resolved in 24-48 hours. As of today, XX/XX/XXXX, the loan allocation is still not resolved. I did call again on the XX/XX/XXXX, but was told that it was in process and would be  resolved soon. 

In the meantime, I've had to make another full loan payment, which is going towards loans that should no longer exist.
Consumer complaint received 2021-07-18
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. (NV)

I am a victim of identity theft and I have not applied for these accounts and inquires that are listed on this identity theft report. Please delete all this information from my credit report.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

When the COVID19 nonsense started I reached out to my local branch when creditors took payments they said they wouldnt and I was told by my banker that there was no problem getting all my fees refunded but it was a process due to the pandemic and there was no limit on the amount of fees but they had to submit it - well that took soooo long that I got more fees and while they temporarily refunded my fees when I got my stimulus - they took them all back around {$450.00} worth - I want my fees permanently refunded - no temporarily refunded like they did. The local branch is closed still or Id go in.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

In XX/XX/1997 I went online with Citibank, After their representative had been very rude and unhelpful to me over the telephone, I cancelled my card. 
I agree online that they would stop deducting money from my account and would reimburse me the amounts I had not authorized. {$150.00}. 
And that they would deduct {$50.00} from my checking account on the XX/XX/XXXX of the month. 
They had overcharged me in XX/XX/XXXX and in XX/XX/XXXX. 
I tried sorting it out on the web, but this time they stipulated that I had to speak to a representative. 
I tried very hard to speak with the Citibank representative, but as they had been in the past - they were totally unhelpful. 
XXXX XXXX XXXX
Consumer complaint received 2018-07-28
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. (WA)

I lost everything in the real estate fiasco. Back in XX/XX/XXXX i had amazing credit but as a single mother had to move to support my kids. 1 ) They were still reporting that i was the owner of my house in XXXX   ... XXXX XXXX, XXXX, XXXX. It was sold in XX/XX/XXXX or XX/XX/XXXX. When i bought in XXXX state, i was sold a lemon of a house. My children and i lived without basic necessities ... no plumbing-no way to bathe with XXXX kids, youngest only in XXXX grade. We experienced power surges that blew out my oven and washer and dryer. I was paying close to 2000 a month in mortgage and amassed 8 years of documentation. The real estate agency and agent knew of the situation. I complained and then sought mortgage help. They expected me to continue to pay the same. I took it to court and submitted all the paperwork to no avail. The attorney did not submit my paperwork so i was told to sit down when i rose to object to my treatment. I have tried to go to XXXX State Attorney General, all the FED agencies. I lost my house in XX/XX/XXXX, penniless. I moved to Public housing in XXXX. I was diagnosed with XXXX in XX/XX/XXXX. I have a XXXX degree and am considered an expert in my field. The time i tried ALONE with no support to rectify the issues left me physically ill. I have way too much information to share here. The former owner never was held accountable for their illegal activity, nor was the agent or agency who were well aware of how my family wad forced to live. Please contact me if you take me seriously at all. I am not putting out any more energy to repair credit that was destroyed by the establishment and their unwillingness to stand up for me.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Pay Pal Complaint PayPal is holding {$90.00} of my funds. " They '' wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. " They '' insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers vulnerable to hacking so much information about myself. They already have my SS Number, my credit cards, my phone, address, e-mail all verified by them many times over. Now they want my banking account on top of it. 
I unsuccessfully discussed this issue with several PayPal employees. 
Please make them send me the {$90.00} they owe me
Consumer complaint received 2018-07-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (TN)

I had 5 missed calls from this number. My cousin called back to see who it was and rep mentioned a medical debt concerning my daughter before ever verifying if she had the right person on the line. After verifying the last four of my social the rep told me about the debt and asked if I could settle for 50 % off. I asked when she got the debt and she told me XX/XX/XXXX. I moved to TN and didnt know that this debt was ever in collections and I felt pressured to pay a settlement because she told me she wasnt sure how long the settlement offer would last. I told her I had to call back because I was embarrassed I had to deal with this while my cousin who I just moved in with was with me.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

So I filed a complaint yesterday, no need for me to repeat what I wrote yesterday. Bank of America regulatory complaints department only responds to messages quickly when they know they are in the wrong about XXXX discrimination. They keep sending my complaint to the same person whos name is XXXX XXXX and she has yet to help me with any issues and regularly calls me to say she cant confirm my identity to move on with this process which i know is false. Bank of America just keeps doing everything it can to try and scam me a XXXX minority out of his money as Im sure they are doing to many XXXX minorities. Why call to waste my time and only enrage and upset me more about the situation. Bank of America is an institution that regularly XXXX  profiles their clients per many situations we have seen on the news and social media outlets throughout the past few years. This is ridiculous and I will definitely be recording this conversation for all to see and hear.
Consumer complaint received 2022-01-10
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. (NJ)

I have previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a XXXX page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (MD)

Experion refuses to post my correct address or any recent cerit information, Leaving me with a empty credit report I have lived at the same address for 25 + years but no mention of it. 
My creditors claim they report Regularly but experion will not acknowledge nor post the information. 
They will not give a method to correct what ever error exsist. 
On the contrary, they claim no error is present.
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My Experian shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My XXXX XXXX shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Consumer complaint received 2021-12-08
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX  XXXX {$9400.00} XXXX {$1700.00}
Consumer complaint received 2021-04-06
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: Freedom Mortgage Company (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

The collection agency is doing hard pulls on my credit file that are not authorized. This is in regards to an account that has already been paid for through another collections agency ( XXXX XXXX ). I have contacted the collections company and informed them that this is not a valid debt. I have asked them to remove it from my credit file. They did not. I have disputed the incorrect information on my credit file to no avail. I have the receipt from the previous debt collection agency that shows payment ( XXXX XXXX ).
Consumer complaint received 2018-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : Experian, XXXX, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX   XXXX, CA XXXX  ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted Experian , XXXX , XXXX with no updates yet.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. 

XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. 

We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.
Consumer complaint received 2021-05-27
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about errors on my credit report and the violation that they made specially FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose. It causes me so much stress because it really affects me especially in getting access to different forms of credit which is needed during this time of a pandemic. I left no choice but to seek legal action against this issue.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has inappropriately removed funds from my personal checking account over 15 times. In several specific instances, this has resulted in my account being overdrawn and unable to pay recurring bills. Bank of America has hurt my credit, my financial relationships, and my ability to create banking relationships with other banks and lenders. I have complained several times about this issue, and have asked Bank of America to help me fix my credit. They have admitted to this error in writing, however the problem has not been fixed and the repercussions of my late payments continue to severely impact my credit score with all three credit bureaus. Never before have I been late on a payment, nor have I ever had any negative reporting on my credit file. I am filing this complaint, because Bank of America has not agreed to repair or fairly report my credit score, and they have damaged me and my family 's financial life.
Consumer complaint received 2018-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Service Finance Holdings, LLC (OH)

I am simply in a transition where I need to get out of debt without filing for personal bankruptcy. I have a game plan that will work, but I need time to deal with my creditors one at a time. Accordingly, I need this company I am filing on to cease and desist all calls to me, that I desire written communications only, and that I will deal with my creditors one at a time through settlements. I need all calls to stop immediately under my rights with the Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021, l mailed in dispute letters that had inaccurate information about my credit report. I am reaching out to you for help to get these items removed from my report as it is illegal to report inaccurate information. I will be seeking litigation due to the inaccurate information on my report.