davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I had made calls in 2007 regarding the Public Service Loan Forgiveness program. I am a XXXX   with the XXXX XXXX XXXX  XXXX and have been working there for 18 years. I have dealt with Sallie Mae, Navient, XXXX XXXX and XXXX throughout the years. I was assured that I was in the right repayment program and that I did not need to complete or collect any paperwork until I reached my 120th payment mark. When I applied for forgivess after 120 payments, I was told that I had no qualifying payments. I had been given incorrect information by the different services throughout the years. I have been reading that many others have experienced this as well. Do I have any recourse?
Consumer complaint received 2020-07-18
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: United Revenue Corporation (TX)

I have attempted to validate negative information furnished by United Revenue Corporation to XXXX the credit bureau. 
Neither company has provided me with any information to substantiate the negative marking on my credit profile. 

I asked XXXX how the information reported was validated the information and received no response. 
I reached out to theUnited Revenue Corp on XX/XX/XXXX and XX/XX/XXXX directly and received no response until XX/XX/XXXX, which is far past the time to BOTH of my requests and they also failed to provide me with any documentation to validate alleged debt according to the law. They responded that my request for an investigation was frivolous. 

I sent another request for validation that shows received on XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION (NV)

I have requested a Pin number for my business account and not received one I have call the bank several times over the past 4 months with no reply. Nevada State Bank mail me a new card due to they did not put my business name on it took a month to get it. Then Nevada State Bank cancel that card it took another month to receive my new card. Its been over 4 months and i received the new card. I have requested a pin number several times for the past 2 months they keep sending it to another address in which i did not agree or ask to send it to. They mail my statements to the right address but cant mail my pin number to right address. One excuse after another. Poorly ran customer service. One lie after another lie with my Pin number.
Consumer complaint received 2017-08-23
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. (NY)

I contacted Equifax about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (NJ)

There were transactions from a vendor in XXXX named XXXX XXXX XXXX, which I or my daughter did not make. I filed a dispute on the transactions, closed the card on XX/XX/2021, and requested a new card. Then another transaction posted from the same vendor on XX/XX/2021. I was mailed a form for the dispute and when I called I was told that there was " Conflict of information based on wording '' and they closed the case on their end and never investigated or credited my account but I could file a police report. I then went to the police department who requested a print out of the transactions. I called the EppiCard 24 times, yesterday, from XXXX XXXX until XXXX, being placed on hold, hung up on, transferred to the wrong departments, told they had technical issues, and given the run around. Eppicard is doing nothing to resolve, investigate, or cooperate in this matter so that I can at least file a police report. 

The transactions total to {$340.00} and are the following : XXXX XXXX XXXX XXXX  fee : {$3.00} XXXX XXXX XXXXcash purchase : {$170.00} XXXX XXXX XXXX XXXX fee : {$3.00} XXXX XXXX XXXX XXXX purchase : {$160.00} XXXX XXXX XXXX XXXX fee : {$0.00}
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2020 I called American Express credit card company to request a total balance payoff figure and instructed the agent I wanted to pay the final balance and close the account. I was quoted a number of {$7500.00} by the agent as final balance. That dollar amount was dispersed to my card account at American Express with my instructions to close the account. The agent read me a statement saying the account was now closed. 

Around the first week of XXXX, 2020 I received a statement from American Express ( AE ) saying I owed approximately {$80.00}. I called AE three times and requested a manager return my call. I received one return call and I then tried to return that person 's call and spent one hour on hold waiting for the individual who was in a meeting. I finally gave up. I sent a certified letter to AE stating that I had asked for a final number and closed the account on or around XX/XX/XXXX. I stated I had no intention of paying any further fees. The card was can cancelled no charges were made by me. AE sent me a storm of letters all conflicting with each other about the status of the account. Another statement arrived saying I still owed the {$80.00} and late fees. 

I sent another letter with my original explanation and stating I would not be held to these fees since I has asked for a final balance and paid it. I was told that my account was accumulating " rolling interest '' and that I must pay it. I disputed this again, in writing saying I had asked for a final balance and paid it. 

I then received another blizzard of letters all conflicting with each other from AE. 

This so called rolling interest is not at {$110.00}. The latest letter said I must pay it as it is a part of the card holders agreement. My position is that this is just another hidden fee that credit card company harass customers into pay. 

I'm not paying. I will continue to fight this ridiculous matter even if I have spent hours and postage doing so. This type of fee charging must stop.
Consumer complaint received 2022-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reached out to XXXX, XXXX, XXXX and Capital One and XXXX XXXX  on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such an agency. 

1. XXXX XXXX - 08 Capital One Bank USA N A XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-11
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I completed 3 online credit card applications the weekend of XX/XX/XXXX/XX/XX/2018 w/ XXXX XXXX, XXXX and XXXX XXXX XXXX The XXXX XXXX application resulted in an immediate rejection alleged on the basis of my Experian Credit Report not containing enough account data to render a decision. 

Since I had yet ordered them, I visited Annual XXXX XXXX to order this year 's free credit reports w/ particular interest in my Experian credit report. While no problems were experienced in ordering reports for XXXX and XXXX, my Experian requests all ended in rejections alleged on the basis of the criteria entered on the ID Request Form not matching the information in their records. Although the data required by the ID Request Form is relatively basic, I continued to receive rejections similar to the above each time I attempted to request my credit report. 

In revisiting XXXX XXXX XXXX this afternoon in an attempt to order my Experian credit report again, I received the following error message upon being transferred to the Experian website : " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. '' In short, requesting my Experian credit report has resulted in one of the above errors since my initial request over the last weekend in XX/XX/2018.
Consumer complaint received 2018-06-24
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. (MA)

I been going back and forth with the original creditors, collection companies and credit bureaus ( XXXX, transunion, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.
Consumer complaint received 2020-07-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (NM)

Village Capital is re-financing my home. The current lender is XXXX XXXX. Village Capital told me not to pay my XXXX mortgage because we closed XX/XX/2020. Village Capital said my next mortgage payment would be to my new lender. XXXX called me XXXX asking about their XXXX payment. I told them I had re-financed. They knew nothing about it. I called XXXX XXXX and was told they would be making the pay off later that month. I told this to XXXX. Then in XXXX XXXX called asking me for the XXXX and XXXX payments. I called XXXX XXXX several times to get information. My calls were not returned. I am a XXXX XXXX   XXXX Veteran and I had such a severe XXXX XXXX! I XXXX   Village Capital and called and left messages at every number I could find asking for help. Finally after several days a loan officer returned my call. He explained that my original loan officer was not available and my original closing from XX/XX/2020 had not been received by them due to problems with the mail and that I'd have another closing. He said my XXXX payment to XXXX would be taken care of by Village Capital. He said he'd keep me updated and that my new closing would be this week. Today is Saturday, the end of the week and I haven't heard from him again, just that one call more than a week ago. XXXX calls me every day. They send me mail every day. My home is going into Foreclosure! I have so much XXXX   with the XXXX that I'm afraid to open the mail. I've spoken with the Dept. of Veteran Affairs and HUD. Both agencies share my concerns. I'm afraid I am being scammed because of the lack of communication and lack of follow through by Village Capital. I need a closing date. I need to know when the pay off will be made to XXXX. I need help.
Consumer complaint received 2018-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.
Consumer complaint received 2018-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION (CA)

XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. 

Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.
Consumer complaint received 2018-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

This is a continuation of complaint # XXXX. 
Freedom Mortgage continues to be deceptive and uncommunicative in the correction of the original problem ( see XXXX ) the status has NOT BEEN RESOLVED ) Currently Freedom has cashed my check of {$2500.00} on XX/XX/2018. As of XX/XX/2018 this payment is still not posted to my loan XXXX and Freedom refuses to communicate with me on this issue! Freedom now is trying to charge me an additional {$76.00} fee for their total incompetence to correct THEIR OWN ERRORS. Their shameful business practices should be corrected. I have been attempting to correct the errors has gone on for 54 days now.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wallace Management Company, LLC (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section. 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( Empire Finance Of AR ) XXXXXXXX XXXX XXXX
Consumer complaint received 2018-06-24
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. (AL)

I have disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was notified by Wells Fargo that my account had been hacked into. A series of questions were asked of me and I was told that I had to go into the bank to receive a new atm card. At which time around XX/XX/XXXX I visited Wells Fargo branch at XXXX XXXX XXXX. XXXX. I received a new ATM and was told my account was in good standing. I called a couple of days later to let them know I had done so and I was having trouble paying a creditor. I was told that that specific creditor had a hold. I took off the hold and then they said they had fixed the problem. I had the same error happen when that specific creditor tried for 3x time to get paid and I was given a new routing number. None of the 4 other calls I made was I ever told that my account was frozen. My mortage lender XXXX finally sent me a letter that my account had not been paid in 2 months. At which time I called Wells Fargo and after pleading for someone to help me they read the notes on the account that my account had been frozen because of a bank breach for 2 months. I am currently working with XXXX on refinancing my loan and this is placed my mortage at risk. I want them to write a letter to all my creditors who they did n't pay and tell the credit bureaus. I am held hostage by their employees who have access to the account and I was never notified. Not one call about what was going on after repeated attempts on my part. I want them to pay for all of the late fees that I have been charged from the other creditor as well.
Consumer complaint received 2021-03-02
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: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX JG Wentworth transferred my mortgage to Freedom Mortgage. I was out of the Country until XX/XX/XXXX and had not seen the notice. My automatic bill payment sent my XXXX payment to JG Wentworth on XX/XX/XXXX. I called Freedom Mortgage on XX/XX/XXXX to inform them of the mistake and spoke to their Customer Service Agent XXXX who told me not to worry about it that they would eventually get the payment from JGW. Since then I sent my payments to Freedom and they cashed my checks for my payment amount of {$1100.00} on XXXX and XX/XX/XXXX. They have been sending me late notices so I called them and they said they never received the XXXX payment and that I needed to call JGW. I called JGW on XX/XX/XXXX and they told me that on XX/XX/XXXX they sent my XXXX payment in the amount of {$1100.00} to Freedom Mortgage. The JGW agent XXXX ( id # XXXX ) confirmed the check # XXXX and XXXX tracking # XXXX. I sent this information to Freedom Mortgage and yet they continue to call me ( 3 times in the last 2 days ) to demand payment. 

My Freedom loan # is XXXX.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been receiving points through an app called XXXX, which rewards me for making purchases with my Capital One VISA card at various retailers. Apparently, a couple of months ago Capital One began blocking the access to my credit card purchase information that I granted to XXXX, and XXXX 's servicing provider ( XXXX  ) can no longer retrieve this information. This is interfering with my ability to receive the points from XXXX, which I use to earn gift cards. I believe it is my right to provide access to my purchase history to whomever I wish ; therefore, Capital One needs to honor my decisions.