davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

Once again, Navient is raising my private loan payments without proper notice or explanation. The repayment amount keeps creeping up and I am fed up with trying to communicate with them so I am filing a complaint. 

My payments were set at around {$530.00} a month for the better part of XXXX into XXXX, and last month they were raised to about {$550.00} and now this month they are at {$560.00}. I do not know why they are being raised and it has not been made clear to me via any timely communication. Furthermore, my payments are almost entirely applied to an extremely high interest rate, with only around $ XXXX being applied to the principle of the loan. I contacted Navient in XXXX of XXXX and asked for an explanation of why that was, and was told they had no information on the issue. This doesnt make any sense to me. 

It is suspicious to me that on the heels of their lawsuit loss suddenly my payments are being increased, when they should be forgiven entirely. They have lied to me and manipulated my and my co-signers vulnerability at every turn, as you will see in the multiple complaints I have filed against them over the past several years. I have been bending over backward for their whims only to constantly have the rug pulled out from under me around every turn, and I am tired of the constant jerk around they give me. It isnt fair that I am constantly punished by them for working extremely hard to pay the predatory loans back, and I should qualify to have my debt forgiven.
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

After onset of Covid, my son lost his job, we were struggling to pay bills. Carrington placed my loan on forebearance, but didnt inform me that after the forebearance, I would have to come up with a lump sum to pay the past due payments. How is someone going to pay a lump sum if they couldn't afford the mortgage during the first wave of the pandemic? They gave me a pymt plan of XXXX for 3 months to catch up. I paid 2 pymtns of XXXX for two months and didnt have the XXXX for the 3rd month. They put my loan up for foreclosure. I called them and they said i have to come up with {$5000.00} to get caught up and thats without late fees and foreclosure fees which arent guaranteed to be removed. I don't want to lose my house. I have lived here for 15 years. I have fought so hard for this house.
Consumer complaint received 2023-01-18
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. (NY)

I have submitted all required documents that indicating it was mistake regarding my late credit card payment Experian report that caused my XXXX XXXX dropped more than XXXX points. The Experian refused to bring my score back to previous level after removal of that record. 

I have contacted the Experian multiple times and filed complaints with different departments of financial services for this matter. Experian intentionally delay processing my request and refused to make change. 

Today I have received the refund check from the XXXX XXXX  indicating their error in my late payment issue and I have attached it for your reference, thanks
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems filed a collections against me with the 3 credit bureau companies for XXXX XXXX XXXX XXXX XXXX stating I did not pay them. I spoke to Commonwealth and they agreed that is was not my debt and they will remove the debt against me and report it back to the 3 credit bureaus to clear my credit.
Consumer complaint received 2019-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NV)

Hi I transferred from Citibank {$100000.00} on the XX/XX/XXXX using a  stored procedure I have used 3-4 times before to send money to my bank in XXXX. The was a minor error in the account number which existed for the previous transfers that I was never advised about before and never delayed the transfer. The error in the account number pointed to a different back in XXXX even though I clearly told Citibank which bank it did go to. I found out from my XXXX bank after he checked the info. I told Citibank every day for 3 weeks but they refused to listen. The funds are still not in my account. This is an incredible disaster causing me ill health, as I can't sleep I want my money and compensation. Can you help?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and noticed accounts on my credit report that where not reporting accurately. accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also want to state i have tried to get these accounts corrected with TransUnion and the credit bureau has not performed proper investigations regarding the inaccurate information on my credit file, I was never late for these accounts. My most recent dispute XX/XX/XXXX was completed on XX/XX/XXXX which I'll be providing proof that TransUnion did not perform a proper investigation under FCRA law 609 ( a ) ( 1 ) ( a ) 611 ( a ) ( 1 ) ( a ) 611 ( a ) 7 which is a major violation. I am now requesting TransUnion to investigate and provide verifiable proof with records showing I was late for these accounts. If this information can not be validated i demand these accounts be corrected to paid on time or deleted from my credit report immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-01-18
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. (PA)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2021 I opened a case with the federal trade commission regarding some vital accounts and information associated with my credit report that was inaccurate. XX/XX/XXXX i proceeded to reach out to all XXXX bureaus as well as directly to credit furnishers and all documentation was mailed out certified mail XX/XX/2021. Under the XXXX XXXX they were given XXXX days to update all associated information and it has yet to be done. My next steps will be to affiliate the courts and also seek out compensation for the damage they are causing to my daily life. I am unable to move forward due to the fraudulent information they have yet to update. I have both the police documentation and identity theft report number as well as XXXX certified mail tracking numbers ensuring they received these documents and still failed to update the account.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I asked for a balance transfer to Bank of America ( BankAmericard ) to pay off another credit card, and they gave me a credit limit of {$2000.00} that was much lower than the amount I have asked. 
On XX/XX/2021 Bank of America made the payment of {$1900.00} to my credit card without notified me. Because Bank of America did not give me the amount requested for I couldn't payoff my credit card. I called Bank of America and asked them to cancel the balance transfer requested. Their associate named XXXX from Texas was told me that was impossible to cancel because was made a eletronic payment. I think it is not fear because I received a letter with a card for activation, that I never did, and credit card agreement letter, credit score ( I have XXXX ) letter, and account summary table letter after they make a payment. The letters they sent to me did not have a datest Now the Bank of America wants I pay them the amount, refusing to cancel the balance transfer against my will. 
What can I do now? I am obligated to have this credit card against my will? This financial companies will win all the time against the american people?
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WA)

I had a XXXX banking account with BBVA which had about 10 transactions per month, as well as a personal checking account that I asked to have shut down 18 months ago and had had a XXXX balance since then ( I thought my request was taken care of ). PNC Bank bought out BBVA, and I received a debit card in the mail. I activated it and used it for business purposes. Then I started getting notices that the account was overdrawn. Impossible, I thought. 

After my first call in, I was told that it was a debit card for a personal account- they opened up a personal account and sent me a debit card. Meanwhile, I have not received any correspondence related to my XXXX account, which I badly need. I have now called in 6 times attempting to track down my XXXX card, about 2 hours of time on the phone, and EVERY CALL has dropped. 

So I have overdraft fees on a card I never wanted, no access to funds that I need in the account I use, and no one can give me an answer.
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (FL)

I have contacted all three reporting agencies several times through online as well as state collection also disputed. I have tried to resolve as soon as they were added but numbers are disconnected & I can not get anywhere with XXXX  or XXXX  they say its not me? I have had enough back and forth & no one is doing anything about it.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I received a response to the last complaint I would like to see records of the credit report request and a copy of the companies information regarding who was contacted with a date printers in the bottom of the record. As far as sending or keeping me updated I was never called by the so called lawyer or credit repair people via phone or email I would like to see copies of thru emails with date and time as well as record of said phone calls the only contact I had was not by mail and was only maybe 10 to 15 times only done VIA by reaching out myself
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full. 

XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment. 

XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.
Consumer complaint received 2022-04-29
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. (IL)

In accordance with the Fair Credit Report act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (CA)

Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX   and Equifax, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX  and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

Reviewing my credit report after being denied for credit I discovered FedLoan Servicing reported me 180 days late in non-repayment of my student loan. The late period was from XXXX, XXXX and XXXX of XXXX. FedLoan Servicing was contacted on or about XX/XX/XXXX. They researched my account and found that I was in forbearance during that time and no payment was required. The account was updated in XX/XX/XXXX clearing all nonpayment and balancing the account. However, all did not balance with me. Because FedLoan Servicing was not current on their paperwork processing my forbearance they reported my account 180 days delinquent. 

Speaking to a FedLoan Servicing representative on or about XX/XX/XXXX I was told that they could not retract the negative reporting sent to the credit bureaus but they would write a letter stating that they reported my account late prematurely and that I was in forbearance during that time. The letter produced by FedLoan Servicing did not state what was discussed. It simply stated that my account is current. 

FedLoan Servicing was contacted again on XX/XX/XXXX. I explained that the letter I requested giving explanation on why FedLoan Servicing was incorrect in reporting my account delinquent was in error was not received. Although the FedLoan Servicing representative I spoke to explained in detail that the account was in forbearance, it was not 180 days late, the files were updated in XX/XX/XXXX, the credit bureaus were sent a delinquent report prematurely and I was told that all discussed was true they would not state it in a letter as I was promised. 

I pride myself in paying my bills on time. One of the core values instilled in me through my parents at a very young age is that if you make a bill pay it back on time. It was shocking to find out I had a negative report on my credit. The reckless, inaccurate and untimely processing of paperwork by FedLoan Servicing has caused great financial difficulties for me. They have made it impossible to get a credit card, rent an apartment and limit possible employment positions of trust. 

Repayment of student loans can make or break your future financial opportunities I am already experiencing. When you have a negative credit report and poor repayment history it can cost you thousands more dollars in everything from interest on credit card to auto insurance. FedLoan Servicing must do due diligence when reporting adverse credit information. There is no perfect system, however when you admit you made a mistake on your paperwork and send that negative report to the credit bureaus and you find out you made a mistake dont make the borrower the victim. FedLoan Servicing should do whatever it could to correct the problem. FedLoan Servicing failed to do so in my case.
Consumer complaint received 2020-11-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

In XX/XX/2020, nearly all of my credit accounts disappeared from my records on myequifax.com. I have initiated disputes through their website XXXX XXXX, XXXX, and XX/XX/2020 XXXX, filed a XX/XX/XXXX complaint XXXX XX/XX/2020 ), and called their customer service line ( XX/XX/2020 ). Each time I have been told there is nothing wrong with my report and that I can access my credit history via myequifax.com, yet myequifax.com still shows almost none of my credit history. 

When I asked their customer service representative how to contact tech support to address the issues with their website, I was told they are tech support and there is nothing wrong with my account. Solutions offered were to refresh my browser history ( no effect ), and to mail their dispute center my XX/XX/XXXX and XX/XX/XXXX credit reports for comparison. The issue is not my credit history ; the customer service representative said their files show 17 accounts. The issue is I can not access my credit history on myequifax.com, and I have thus far been unable to connect with anyone who has the expertise to address the issue.
Consumer complaint received 2021-10-25
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: AMERICAN EXPRESS COMPANY (SC)

I applied for a credit increase with American Express. After applying AMEX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that AMEX XXXX pull and they advised they did not show the information that AMEX had on file. 

I then called AMEX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by AMEX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to AMEX. 

It is my belief that AMEX is using outdated files when pulling credit reports of clients. I reached out to both XXXX, XXXX, and XXXX XXXX regarding the information AMEX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how AMEX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from AMEX or from the credit reporting agency that my credit was pulled by AMEX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by AMEX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

AMEX advised me they used reports from XXXX and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by AMEX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in my account.