davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

My daughter has XXXX private loans, initially thru XXXX XXXX, and now those loans are being serviced by Navient. Since the loans became due ( XXXX ), monthly payments have been made. When the loans were serviced thru XXXX XXXX, a lower interest rate was negotiated, which helped lower the monthly payments for one year. Since Navient took over servicing, they will not work with us to lower the interest rates ( 6 % and 8.125 % ). Since XXXX XXXX, Navient has also applied the total monthly payment to interest. When I contacted customer service, I was told this was to pay capitalized interest. To date, they have applied {$3500.00} to interest. The amount of the loan never gets lower. When I go back thru the history of the loan, 'capitalized interest ' has always been a line item in the detail, but there is no line item for the amount they claim is interest. The payment for the second private loan is always applied to both principal & interest. Navient customer service is absolutely NO HELP in resolving this issue. And, I do n't know who to contact for assistance. I am repaying these loans in good faith, and I want the correct portion of the {$3500.00} that 's been applied ONLY to interest, to be applied to the PRINCIPAL of this loan.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.
Consumer complaint received 2022-09-05
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank MasterCard upon reissuing credit card, changed my name on the new card without my authorization. The name on the current card is not mine rendering the card useless. After months of asking the bank ( staff, local bank mamager, finally CEO ) to correct the error back to my name, they continue to require that I submit a written change of name authorization request which I refuse to do as it sets a dangerous precedent. The bank refuses to admit their error and has, so far, refused to either provide me with a copy of a name change authorization that erroneously changed the name on my card or to correct the name back. I 'm at the end of my rope and prepared to persue legal action against bank.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NV)

Please check the complaint with id XXXX first then check this. 

My response to the company is as the following. I am filing a new complaint so they will reply to it instead of the fool reply they put to the above-mentioned complaint. 

Actually, the company is acting fool now. I am saying that no one told me while deposing the check, or even before when I opened my account, about the Fund Availability policy which Wells Fargo attached to their response. I handed the check to the employee and she told me nothing about their policy, and I didn't sign any document regarding this. This is why I believed that the check was fully deposited to my account and it was safe to send the money to the scammer by XXXX since I have the money fully deposited without any alerts from your side, as I mentioned in the complaint. 

Furthermore, another Wells Fargo employee told me that we can't check if the check amount is valid since it's with another bank XXXX XXXX XXXX XXXXXXXX in my case ). So, I know that I made a mistake, but I believe I made it due to your bad policies, firstly the Fund Availability policy, and secondary the policy of Not Telling Me Anything regarding the previous policy. 

I believe that firstly you should refund me the amount I lost ( which is {$2800.00} ), and then you should update your policies regarding the Fund availability. I will file a new complaint regarding this to ensure that you will response to it too.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I own a home which was destroyed during XXXX XXXX that is now in default. I have found a buyer ( for the value in the land as there is no value in the dwelling ). I sent the settlement check from my insurance company to Greentree Mortgage via overnight mail. It arrived at their payoff department ( address I was given by Greentree ) on XXXX XXXX. They have not deposited the check and have been sitting on it for two months. Both my attorney and I have been calling and getting the run around. We are both completely exasperated! My buyer is ready to walk away and I can not afford to lose this deal. It is not easy to sell an uninhabitable and potentially structurally unsound home. Greentree representatives have made so many promises about getting this taken care of and nothing has come of it. I called again this morning ( as did my attorney ). It appears that they have deposited the check but only a portion of it. There were supposed to deposit the full amount and give us a payoff statement so that we could go to closing and be done with this nightmare.. They had agreed not to charge fees and interest from the XXXX/XXXX/15 date as it was their fault that they were not applying the monies from the insurance check. They applied the portion of the check improperly and have charged all the fees. This is beyond ridiculous! They have had my money for over two months and the end is still not in sight. XXXX goals I am looking for here : 1. Apply the full insurance check back to the XXXX XXXX date, 2. Send me a payoff statement so that we can go to closing ASAP! Help!
Consumer complaint received 2022-02-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a judgement against me that I am currently challenging. However Capital One allowed a levy to be put on my child savings account which has me as the primary account holder but also has her as a secondary account holder. This is all money that she has earned and therefore should not be exempt from my judgement. Capital one will not discuss it or look into it.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

I was notified they took over a debt from a move out that I had received an emailed bill but no follow up on. 
Requested them to send me the information via email or fax, they did not, and as I am a XX/XX/XXXXveteran I didn't have a mailing address to give. They were extremely aggressive argumentative and condescending on the phone and gave me anXX/XX/XXXX. Asked for info on the debt and was told there was nothing they could do or send me. I told them multiple times I was willing to pay what I owed if they could provide proof but they were unable to. Felt guilted and coerced into paying and I was threatened with more credit reporting. 

They also said I never gave a forwarding address, when looking at the records, on the bill I received there is a forwarding address so that was a lie and they never sent it to the forwarding address. They also said they could not take payments online and forced me to pay over the phone when that was also not true.
Consumer complaint received 2022-09-05
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$3100.00}
Consumer complaint received 2016-06-10
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My truck payment is due the XXXX of every month. Every month beginning on the XXXX ( if payment has not been received ) phone calls begin. Sometimes multiple calls back to back with as many as XXXX5 calls a day. Late fee is not incorporated till the XXXX. No voicemail, no call identification and no way to know who is calling. 

Finally, I answered and collector stated, " the bill is due on the XXXX and we start calling the XXXX day it is late. ". I responded, " so you guys just blow-up my phone all day everyday? ". She responded, by asking, " did you want to make a payment? ". At this point I had already submitted payment but has not cleared though the bank. I responded, " I already have. '' And she stated that she would make note on my acct. Not once was there a apology, a thank you, or even a degree of empathy in her voice. This woman could not have been more apathetic and rude. I am as of now seeking information on my rights. 

Sincerely, Extremely aggrevated client of Bank of America
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: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b.

15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

My mom signed me up for XXXX XX/XX/2012 I went for 13 months I never failed a class I was terminated from school because my mom did n't want to provide her XXXX I was left with this big loan XXXX salie mae left me and messed my credit up at age XXXX last year they took my tax return XXXX $ w not payment arrangement
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/21, I tried to log into TransUnion to check my credit, I was not able to log in unless I provide a credit card. After my credit card was provided, the website log down for maintenance. I did not subscribe to any subscription but a few hours later, I saw a charge of {$24.00} to my credit card. I called XXXX and spoke to XXXX. I told her I did NOT subscript to there services and ask for {$24.00} to be refunded, and cancel my account. She refused to refund {$24.00}. TransUnion website is FRAUD! 
I want to be refunded for {$24.00}. Please SHUT DOWN their ILLEGAL ACTIVITIES STEALING CREDIT CARD NUMBER FROM PEOPLE TRYING TO LOG INTO TransUnion. 
Thank you.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CO)

Experian sells access to me to see MY OWN credit report. They were charging {$19.00} a month ( a MASSIVE PRICE FOR THIS SERVICE, should be more like a XXXX or XXXX, not XXXX dollars a month ) and when I complained about the price, they lowered it by XXXX %. {$20.00} a month is a LOT of money to pay to access MY information which can and is regularly used against me to scam more money. While on the phone, she said I could get access to all XXXX bureaus for 6 months for {$26.00}. Since I am in process with multiple construction loans, I said yes. Today, I went in to check the XXXX reports and low and behold, they only pulled the report for THAT day and I DO NOT HAVE ACCESS TO ALL XXXX BUREAUS FOR 6 MONTHS. I called and got the same " you have access for 6 months '' razzmatazz lies, but I do n't. I only can read the same report they pulled the first day, available online for 6 months. It is now VERY standard for banking industry to give YEARS of data visibility for free, so their saying that I " have access for 6 months '' is a direct attempt to lie, distort and scam me out of the {$26.00} for XXXX report. I specifically clarified when I called what I would be getting and they clearly have a carefully worded script to scam the public. They are purposefully lying about what they are offering to get people to pay the {$26.00}. They refused a refund because they said I " Have access for 6 months ''. I do NOT have access to the XXXX credit bureaus for 6 months. I only have the report I ran the very first day. They are lying to cheat consumers out of {$26.00} a pop. I can not imagine how much money they are making off of this consumer scam. More XXXX from the banking industry, cheating consumers out of money to get our XXXX credit report.
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (GA)

I was contacted by XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX 2015 to discuss a loan refinance on mycurrent 7 % mortgage. I told the mortgage banker that I have n't been able to refinance becauseof self employment and little to no XXXX income. After talking with her for 3+ hours, she said that wewould be able to work together and even told me they could refinance XXXX our rental properties. 
On XXXX XXXX 2015 Loan Depot removed 2 x {$390.00} from our bank account for XXXX appraisals. 
The appraisal for the primary property was completed on XXXX XXXX. 
We were contacted on the XXXX telling us we would n't qualify for the refi. 
After complaining we did get a refund for the rental appraisal not completed, but not for the completedappraisal. We did n't understand why the appraisals were ordered prior to being approved for a loan. 
We are currently working with a different company and requested the appraisal that we PAID FOR fromloan depot. They refused to transfer the appraisal to our current lender, forcing us to pay for another appraisal. We are requesting a {$390.00} refund for the appraisal that we ca n't use for our refinance. 
Loan Depot wo n't answer our request. 
Sincerely, XXXX XXXXXXXXXXXX
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!
Consumer complaint received 2022-09-05
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME
Consumer complaint received 2016-07-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: GVA Holdings, LLC (NC)

called me on a private number and said i owed a payday loan and they had XXXX feloney warrents for me and they would require a XXXX dollar secured bond and then she gave me a number for an attorney that was handling the case this occured one week ago i contacted the nc attorney general office and they said it was a scam and do not try to negociate with them