davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Good morning. Ive been trying very unsuccessfully to have an issue resolved with Navient about discrepancies on my credit report. These discrepancies have adversely affected my credit score and caused me to be denied because of these errors. Ive called several times and the associate has said they would get pass on the information to a manager for resolution. The issue is that my loan ( even with XXXX XXXX  ) had been in forbearance at various times. However, when I began to work I was able to have payments automatically taken out each month on a combined balance vs. two balances. Even though the payments have been coming out monthly, Navient still has several ( at least 13 or more ) missed payments showing up on my credit report. This should not be because of forbearances and monthly payments. When I could not pay, I kept this balance in forbearance. 

Not only that, these late items seem to have a fee associated with each of them which increases my debt. This must be corrected and I have tried and tried to get this resolved through Navient. I saw the lawsuit and was wondering if this has something to do with it as well. I need Navient to clean up this financial mess they have caused me. Additionally, Ive worked for XXXX  for several years and Navient will not accept me into the program to release debt after so many years of on time payments. I have at least six years or more of continuous payments which I should be able to use. I was denied because of the sort of loan this is under, but that does not seem right especially when payments are being made without fail on a continuous basis. I also want those fees and the added debt incurred monthly backed out of my balance. 

I seems like Navient is trying to keep me indebted to them vs. helping me to eliminate this debt. 

Please respond. 

Thank you, because I really need my credit report cleaned up like yesterday!
Consumer complaint received 2017-04-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I wanted to open a savings account with my bank that i have bank with sine  XXXX  of  XXXX  i was told that i was unable to open an account due to having an {$11.00} charge off. The representative  from Citizens ban k stated he did not who it was due to however could transfer me to a different department who could give me more information. The representative transferred me  XXXX . I spoke to  XXXX  at that number, at first he stated he did not see anything under my name and social security number that was showing being owed/ After i explained what the previous representative had stated to me  XXXX  was able to locate the {$11.00} charge off. He stated it was due to Citizens from an account i had from  XXXX . He stated that it was pasted the statue and that Citizen had given up on trying to collect the balance. I asked  XXXX  as this  14 years old a nd pass statue to collect if i had any other options than to pay it so i could open up a savings account,  XXXX  did not answer my question. I feel i was forced to pay something that was pass statue to collect just so i would opening a savings account. If i had know about this outstanding amount before I would have paid it. I have been banking with Citizens since  XXXX  of  XXXX  and have always had the same account.
Consumer complaint received 2021-02-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2018-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CO)

In XX/XX/XXXX, I made 2 purchases of digital currency through Coinbase. On XX/XX/XXXXmy debit card was re-charged for these same purchases. Coinbase recommended that affected customers seek charge reversal through bank, which I did and my account was re-credited for only the duplicate charges. On XX/XX/XXXX, I was told by Coinbase that my account was locked until I completed payment for 2 purchases. Those transactions in question were the same transactions completed in XX/XX/XXXX, that I was double charged for in XX/XX/XXXX. I sent reference codes for purchases, and bank statements proving payment to Coinbase support specialists. They only reply to tell me that my account will be unlocked upon payment. I have already paid for these transactions and refuse to pay again ( {$530.00} ). My account is locked with {$1300.00} USD that they arent allowing me to access or withdraw from their exchange. I have sent them all necessary proof of payment and still they tell me to complete purchases.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WI)

I applied for credit at XXXX XXXX store card through Synchrony Bank and was approved for an interest rate of approximately 14 %. I went to the store and made a purchase based on that. At the time of purchase I was offered a 0 % deferred interest rate for 12 months with the rate going up to 28 % at the end of the term. I declined that offer because I preferred the 14 % rate. 

I received my first statement today showing an interest rate of 27.99 %. At no time during the approval process was it indicated that the interest rate had increased. Of course I would have accepted the 0 % offer if I'd had any doubt that my rate was much lower than 28 %. In addition to the statement, I received a letter indicating I had not received the best rate they offer. 

I contacted the store to see if they could apply the 0 % deferred interest offer and they directed me to call Synchrony. 

I contacted Synchrony at XXXX on XX/XX/2021 the first agent indicated they would try to get the 0 % offer applied to my account, which could take up to 2 billing cycles. She indicated that it would be applied retroactively and any interest charges in between would be credited back. After escalating to a supervisor on the same call, I was told that applying the 0 % offer wasn't possible through Synchrony and that I would need to go to the store. Further, I was told that 27.99 % is the best offer available which is counter-indicated by the letter I received. 

After being disconnected several times I ended with an agent that indicated she would request the 0 % offer and that all customers get 27.99 % interest for this card. She did not believe that applying the 0 % offer would be possible. 

To be clear, I tried to get the 0 % deferred rate applied as a less-bad outcome. My preference would be to apply the promised 14 % rate to my account. That is the basis on which I made the purchase. 

Synchrony - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

ALLY AUTO IS NOT REPORTING TO  XXXX  ONLY! THEY MUST CALL THEIR   XXXX    RESPRESENTATIVE FOR HELP IN UNSUPPRESSING MY  XXXX  CREDIT REPORT, YOU ARE PAYING FOR BUREAU I.D . AS A CREDIT FURNISHER.
Consumer complaint received 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-30
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. (CA)

I am a victim of identity theft. My personal information was compromised and an inquiries were incurred in my name without my knowledge and approval. I sent my dispute to this company on XXXX with all the relevant information they needed to verify my claims but the funny thing is this fraudulent inquiries are still showing on my credit report way past the three days allowable days to delete/block this data. 

please delete this erroneous inquiry from my report asap : XXXX XXXX -- - PULLED LAST XX/XX/ XXXX : PLEASE NOTE the following tax liens have been withdrawn from court 2 weeks ago, there is no record of these liens any longer, please delete accordingly : STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX STATE TAX LIEN ref # XXXX
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Hi my friends! 
I deposited a check of {$1600.00} on my business account on XX/XX/2021. For some reason showed up in my account only {$16.00}. They say it was because the ATM red {$16.00} and I pressed the green big confirmation button with {$16.00}. This is impossible, there is a big difference between the two amounts. They gave me a complaint number XXXX and 10 business days to resolve the problem. I needed my money right away. it is a very small business. They say I have to wait. It is not fair. This missing money has affected me a lot. I am at least 10 years customer, however, there is always an issue. One behind another. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MA)

So I have a TD Cash credit card that I have been using for 3 years. On XX/XX/XXXX, my wallet was stolen in XXXX and the suspect bought approximately {$200.00} of goods from the local XXXX with two separate purchases. I immediately filed my card lost/stolen and called to dispute the fraud transactions. This was on XX/XX/XXXX that I filed that, but the person helping me only claimed 1 of the 2 XXXX transactions as fraud, so the investigation team declined the claim. I learned this on XX/XX/XXXX and immediately called back the same day to correctly file both XXXX charges as fraud, the customer service worker said they took care of it. In the following week, I never saw a temporary credit, which usually happens in the following few days. I called back on XX/XX/XXXX to check the status and the new customer service worker said that nothing was filed, and we had to start from scratch again, which we did. She made it clear that it could take a month or longer for the investigation to be completed, so I have been patient. As of now, XX/XX/XXXX, I still see a remaining balance on my credit card app and am receiving emails to pay the fraudulent balance ( I paid off all other purchases made before closing the card on XX/XX/XXXX ). I filed a police report, followed all the correct steps, and have not run into any of these problems with the two other credit card companies ( XXXX, XXXX  ).
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

My mom died in 2015 and still owed on her mortgage. I tried several times over the last 2 years to get SPS to work with me so that we did not lose the house. My mom did not leave a will and we could not afford to go through probate and even though I had power of attorney when she was alive they refused to even speak to me about the home loan. I do not want to lose my moms house as this is the only tie we have left to her and we are willing to start making payments if the company would just speak to me about it. Im stressing because I do not know what to do and this company will not give me any information. I filled out the loan modification paperwork they asked me to and never heard back from them. We had a realtor contact them to see about purchasing the house because my brother was approved for a {$120000.00} home loan and they would n't speak to us or reply.
Consumer complaint received 2023-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC (SC)

In XXXX of 2022, I received a letter confirming my approval for a COVID-19 Combination Partial Claim and Loan Modification, along with a packet of documents that needed to be signed, dated, and returned ( please see attached ). However, XXXX of the co-borrowers on the original loan had died and needed to be removed from the COVID-19 Combination Partial Claim and Loan documents before they could be signed, dated, and returned. After notifying Assurance of the co-borrowers death, they instructed me to email his death certificate along with the Deed of Recording for the property to loss mitigation. I was also instructed to start making the Modified Monthly Mortgage payment that was stated in XXXX letter ( {$1300.00} ) while I waited for the corrected documents to be drafted for me to sign. It was conveyed to me that unless I could not afford the new modified monthly mortgage payment, the amount would not change on the corrected documents. 

In XXXX of 2022, I received a letter stating that I had advised Assurance that I was ready to resume making regular mortgage payments. This letter was only accompanied by copies of the Subordinate Note and Mortgage or Deed of Trust forms that still had the deceased listed as a co-borrower ( see attached ). After receiving this letter, I contacted Assurance to notify them of the following : XXXX ) The letters opening statement was incorrect. I did not advise Assurance that I was ready to resume making regular mortgage payments. I did however notify Assurance before the end of my loans COVID-19 Forbearance period that due to a reduction in my income, I would NOT be able to resume making regular mortgage payments. This was why I requested and was approved for a COVID-19 Combo Partial Claim Loan Modification. 
XXXX ) I received the wrong packet. It did not contain a COVID-19 Combo Partial Claim Loan Modification. It only contained a Subordinate Note and Mortgage or Deed of Trust forms to sign, date, and return. 
XXXX ) The Subordinate Note and Mortgage or Deed of Trust forms I received still had the deceased co-borrower listed on the loan. 

Assurance responded by stating that new documents would need to be re-drafted with the above stated corrections and this would take approximately XXXX months. However, I never received any new documents. Instead, I received notice in XXXX that my home was in default and is now currently on the verge of foreclosure. Please advise as soon as possible on any next steps I can take at this juncture to save my home.
Consumer complaint received 2023-01-28
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-07-17
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. (MD)

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

The consumer and natural person is submitting this complaint.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

With regard to my complaints going back to XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX counsel on behalf of Mr. Cooper for the first time disclosed on XX/XX/XXXX that Nationstar had inaccurate allocated {$11000.00} as late fee payment claimed lines XXXX - XXXX of my payment history were " updated '' XX/XX/XXXX in a XX/XX/XXXX account report. SEE ATTACHED prejudicing me in XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX then responded by mail to the CFPB claiming my allegations were false, and on page XXXX in lines XXXX provided evidence of failing to update inaccurate payment allocation to late fees so outrageous that at {$56.00} per month, indicating I had paid for XXXX late fees. SEE ATTACHED on page XXXX in lines XXXX. Without disclosure of this remaining claim for which relief could be granted under 12 USC 2605f1-f4 for violation of 2605e, the FDCPA and the FCRA, XXXX XXXX obtained a contract by Court order waiving my claims and exempting XXXX XXXX and Mr. Cooper for liability in XXXX XXXX, which is unlawful under law leaving me with inaccurate outrageously inaccurate payment history by payment codes of DDDD and CC to indicate false information that is damaging to any other party who may inquire about this prior mortgage as willfully inaccurate excessive payment history.
Consumer complaint received 2020-11-12
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. (CA)

Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. The representative I spoke with assured me that this late would be removed because it is reporting in error. I have attached a copy of the letter sent on XX/XX/2020 stating they requested my credit report be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo incorrectly charged multiple overdraft fees on debit withdrawals on my checking account ( at times charged duplicate overdraft fees resulting in 3-4 overdraft fees per day ), as well as having money unfairly frozen or placed on hold. there were multiple dates this happened so I do not have a specific date, but the amounts were always {$35.00}. Anytime I spoke with customer service I was told there was nothing that could be done about the overdraft fee.
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my case # : XXXX. It has been over XXXX  days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have XXXX  days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2021-02-22
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. (NE)

I HAVE REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.