davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.
Consumer complaint received 2020-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-05-29
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)

On my transunion credit report as of XX/XX/2018 it shows a collection/charge off account for the entity XXXX XXXX. I do not have nor ever had such account as listed as XXXX XXXX.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The credit bureaus state that inquiries on my credit file that were not authorized are " a factual record of file access '' and refuses to investigate per my written request to dispute. Also the credit bureaus refuse to delete these unauthorized credit inquiries.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-11-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have repeatedly requested that Portfolio Recovery Assoc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX the XXXX I wake up find out I lost XXXX points on my credit report by the 3 bureaus, I was shocked and frustrated and embarrassed with td bank na bout a delinquent, I did not had any knowledge of it since i been making my payments on time for the past 3 years, when I tried to reach out to td bank they didnt help me at all whit this matter, they representative Hang up the phone on my several times and be rude and put on hold no body answer I was to apply for loan and credit card theyre denied me.. please I need help to resolve this issue.. thank you
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian has been reporting a Bankruptcy on my public record that does NOT belong to me. Please verify both Bankruptcy listed on my public records Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2016 I asked AMEX to add my Mother XXXX XXXX to my account. They have done everything but do that. They have sent all kinds of letters and email. When we write AMEX back they never do anything. They asked me to go to my bank and get them to write a letter to AMEX stating that I have an account with them ( XXXX XXXX ), I have dont all that they have asked. I want them AMEX to response to my letters and help me manage my account.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have repeatedly asked TransUnion for evidence to support inquires showing on my credit report within the last two years, but they repeatedly have failed to provide me with a copy of any viable evidence submitted by various companies substantiating their claims that they had a permissible purpose. I did not authorize for my credit reports to be given to these companies nor did I ask anyone from these companies to access my reports.

TransUnion states that these companies had a permissible purpose but have not provided me with any documents showing so.

I need to know the name of the person from each of the companies that received my credit reports from TransUnion and for what permissible purpose as well as all documentation TransUnion received to give these companies access to my credit reports. I am also requesting the name of the person from TransUnion that provided my reports to these companies. I need to see documentation on all inquires listed on my TransUnion credit file or all those inquiries that do not have authorized documentation by me need to be deleted! 

On XX/XX/XXXX, I placed a security freeze with all three credit bureaus to prevent unauthorized access of my credit file. A copy of the security freeze is attached to this complaint. TransUnion ignored the security freeze and allowed these companies access to my file without my knowledge. I also provided paperwork to TransUnion making them aware that my name was found to be in 4 data breaches. A copy of the letter is attached to this complaint. 

The only inquires that I authorized in the last two years were XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. All other inquires on other dates was not authorized by me. 

I demand that TransUnion delete all other unauthorized inquiries immediately. 

Please help me resolve this problem with TransUnion as I am frustrated with their intentional, reckless and unfair handling of my credit file. 

Thank you in advance for your handling of this matter. 

A copy of this complaint will be sent to the FTC, XXXX XXXX AG, XXXX AG, The XXXX and my legal counsel.
Consumer complaint received 2021-01-19
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: CITIZENS FINANCIAL GROUP, INC. (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 2016-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

I had a rental car stolen from me XX/XX/2015. I got the car back for the company XXXX XXXX XXXX in 10 days and negotiated a payment of {$530.00} which they accepted and then turned around and forced a {$3000.00} charge through my bank ( JP Morgan Chase ) which allowed them to do so without even hearing both sides or accepting the facts on the fabricated invoice that XXXX submitted. Chase then took my entire social security check for 5 months and bounced all my auto-pays and payments I made while I fought them and got provisional credit during the dispute. They would then turn around and return those payments and charge me for them. They had even told me ( several customer service agents and supervisors ) that it was illegal for the bank to take my entire social security benefits but then they would do it again. I lost my home after 17 years, my storage units, everything I had and had worked for. Finally I lost my dogs this year because I had no place to live and my outstanding credit score I had last year was shot from over XXXX to below XXXX because of their actions. In an " attempt '' to negotiate the dispute the bank called XXXX with me on the line but the service rep did n't want to wait on hold for 20 minutes we were put on hold, said she 'd be back on the line and never came back on leaving me to dispute the matter with XXXX myself. I had full auto coverage on my private policy with XXXX XXXX at the time and had also purchased the smallest policy for incidentals with XXXX at the time of the rental and neither the bank or XXXX took that into consideration nor submitted claims.
Consumer complaint received 2017-01-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.
Consumer complaint received 2020-04-22
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. 


The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. Hsbc Bank Usa Na- XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.
Consumer complaint received 2020-04-22
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. (MN)

I pulled my credit report on XXXX and it shows 3 weird open files on me saying delinquent or I have to pay.. its on my XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Dollars when I called the number that was listed the guy gave me a account number which isnt mine XXXX I explained to agent for XXXX they checking on. 2 is XXXX/XXXX XXXX  they didnt have my information so they checking into this. And this on XXXX XXXX  XXXX cant pull any of my information up but say I owe.. none of these credits can pull any of my information up but yet they are on my credit report..
Consumer complaint received 2022-08-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXXDate Opened : XX/XX/2017 Balance : {$3200.00}
Consumer complaint received 2016-11-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: United Group Inc. (OR)

i had a car loan with united finance my mom was in the hospital XXXX and i missed only XXXX payment the next month i tried to make it up and they refused to let me make my payments the man was yelling at me and i was just trying to make a payment
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I ran my credit and saw that I had a neg account under Convergent Outsourcing in XXXX, WA. I called to find out what this was and they claimed it was a XXXX account. I did have a XXXX account but closed it because they kept overcharging me from what my plan agreement was and for apps I never ordered. I paid the bill at just under {$600.00}. CO Inc. claims I owe {$1200.00} and it is on my credit report. First I asked them to prove to me the debt, they refused and told me I know what it is and second they would not talk to me unless I paid in full at that moment. I filed a claim with XXXX, and disputed with XXXX, XXXX and XXXX. They still claim I owe it and wo n't budge. This is on my report and I do n't owe the {$1200.00} they claim I do. When I called again this week they told me I had to go in a website and they would walk me through. It was really strange and the account # was not what is listed on my credit report. It just seemed really shady. I want this off my credit report because I am a XXXX and trying to buy a home.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions account.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (PA)

Earlier this year I closed my account with BB & T. A few days ago I received an email stating " Your online banking security questions have been updated. This is a result of an annual update or a request you or an authorized user submitted in My Profile. If you did not make this change, please contact us. '' Shortly after I received a followup email stating " Please know this message was sent to you in error. Your security questions are secure and no further action is needed on your part. We apologize for the inconvenience. '' I called the number in the 2nd email ( XXXX ) and after numerous tries was able to talk to a real person. Since I closed my account I asked they remove my email address. The request was forwarded to IT and I received a confirmation that my email address had been removed from my online account. But I should no longer have an online account! I spent close to an hour going through their phone menu system at ( XXXX ) and ( XXXX ) only to reach a message " The information requested can not be provided by BBT online phone XXXX '' the call then disconnects. I called my local branch office and the representative there told me they do not have access to online accounts and were unable to even verify if I did or did n't have an online account. So here I am, unable to talk to anyone to determine if there is still a bank account in my name floating around their system. With the recent XXXX XXXX issue, is this a case of an account opened in my name without my approval? Oh, and the only way to contact them online is to log into my online account and send a message.