davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

My student loan debt was transferred to Navient. I applied for an income based repayment and had a set rate of {$820.00} a month which was manageable. However, Navient continues to charge me an additional {$800.00} a month in " fees '' so in order to keep current and not have late fees, in reality my payment is {$1600.00} a month which is a struggle. And when I review the payment history, all of the payments have gone to interest only and nothing to principle. I will never be able to pay off the debt! When I have called to discuss they talk in circles and do not provide any reasonable explanations or options. I attempted to refinance with another company - but Navient does not have a full account number listed on my account ( has part of it blocked out - why?? ) nor is there any option to view a monthly statement - both of these are needed to apply to refinance. It just seems too sketchy to me especially with all the other complaints I have read.
Consumer complaint received 2021-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MA)

The lender has made it known that no help can be rendered to me. They have charged me outrageous interests that increased the principle heavily. {$600.00} was initially borrowed, and on several occasions, I have tried to reduce the principle but to no avail. The interest rates have made it difficult and I am very much fed up at this point. I just want to pay what I owe because the interest rates have been standard practice and I Intend to warn everyone I know about this company to stay away. Here are discord points : XXXX ) Aggressively leveling XXXX withdrawals without notice. 
XXXX ) Lack of communication. Customer service is unresponsive via phone and email requests are extremely slow that when a hold XXXX request is submitted, there is no response, leading to XXXX withdrawal anyways. This causes unexpected charges in the form of bank overdrafts from my financial institution on weeks that I do not receive paychecks when time off is observed XXXX ) Unprofessionalism in this matter. This company aggressively takes on the collection of interests for this loan and does not care for the customer. At this point, it seems I am working for the company 's benefit only. 

Please assist in bridging the gap to help find a lasting solution that is fair for me as a consumer.
Consumer complaint received 2021-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

On or about XX/XX/2018, I moved out of The XXXX at XXXX XXXX apartment complex ; giving plenty of notice of my intent to move. Management company charged for an additional month of rent, in addition to keeping my security deposit and failing to give a move out ledger of alleged expenses. I never received communication from the management company, only from the debt collector who put an amount of money I do not owe, on my credit report. That amount was XXXX. It is now XXXX. I attempted to resolve the issue by contacting the debt collector and they were unwilling to remove the negative mark from my credit report. IQ Data International, has also increased the debt owed by percentages not agreed by me, without written notice and continues to report the increases to the credit bureaus. 

The management company, XXXX owned the property when I submitted my notice of intent to move, I kept in close contact with management personnel informing them of my progress in moving. I had a good verification of rent letter, stating that I was not behind on my rent, never late and moving out on XX/XX/2018. Management changed over to XXXX XXXX and they refused to honor the notice of intent to move out. As per my lease, I never received a reminder to renew so I was only suppose to give a 30 day notice ; I gave notice in XXXX. Regional manager, XXXX XXXX stated he was in receipt of my notice to move from XX/XX/2018 ; per our XX/XX/2018 email communication. I moved from the property XX/XX/2018 and turned in the keys on XX/XX/2018. The property is charging me for XXXX rent that I do not owe. 

I will submit email conversations with the previous property manager, XXXX XXXX, stating that I only wish to renew my lease for five months beginning XX/XX/2018 to end XX/XX/2018. I will also submit email communication of Regional manager, XXXX XXXX, using bullying tactics to threaten negative impact to my " rental and credit history '' and also implying that he already had intentions to apply my security deposit to any balances owed. I will also submit my notice, my verification of rent, my key turn in sheet with my forwarding address and a statement of facts. All of which was submitted to the collection company along with a letter to cease collection actions. Nothing has worked so far and these companies are illegally trying to XXXX  XXXX  me into paying something I do not owe.
Consumer complaint received 2021-02-03
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: SYNCHRONY FINANCIAL (MI)

I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

I used a balance transfer check having a promotional rate and when the promo rate expired the apr went to about 26 %. recently I did not believe this rate should apply and sent Barclays a dispute letter on XX/XX/2023. I received a response dated XX/XX/2023 which was nothing more than a form letter telling me to call their customer service number. On XX/XX/2023 I did so but the employee knew nothing about my dispute and could only read some information that said that the apr was correct, but the said the apr should be 20 %. 
Nothing was resolved. So I have withheld the disputed amount from this month 's payment and wrote a letter on XX/XX/2023 explaining my position to Barclays. I think Barclays should assign a person to this matter and contact me in a manner consistent with the billing dispute resolution procedures of XXXX XXXX. 
Please use my personal phone number XXXX XXXX or email XXXX when replying to me.
Consumer complaint received 2021-02-03
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 (OR)

On XX/XX/XXXX i opened a dedicated account for my XXXX XXXX XXXX XXXX. This account is solely meant for deposits from ssi for back payments After a year and 2 installment payments we were anticipating the 3rd and final installment from social security. Due to covid -19 pandemic social security did not deposit the 3rd installment on XX/XX/XXXX which was the expected date. I had a check to cash at wellsfargo for financial aid so i went into to speak with the banker i told him how i recieved the information from social security about the deposit expected to be late due to being backlogged and the fee that was assessed to my account after just resolving it. He told me the fee bringing the account to a negative would not affect the deposit. The week following the deposit wasnt there So i returned to the bank branch where i opened the account and told them the problem and how it didnt have a check mark for direct deposit as services we had and offered to clear the fee assessed to the account in case that would disrupt the account in good standing and the substantial deposit we are expecting i wasnt too sure about the rules tho concerned about ssi policies for deposits made to account i was assured once again by the banker the account was available and ready for the deposit and not to take care of the fee because the seposit from ssi would take care of it and the deposit wouldnt be affected by it. I told the banker once again they were backlogged and the deposit would be late she assured me the account would be ready 3 days later they closed the account due to inactivity and a negative balance i called and the representative told me the account would be back open in 3 days but no we are XXXX because wells fargo lied to us
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX 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 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TN)

Received call from XXXX XXXX XXXX Government ID XXXX. 
He stated that my identity has been used in Texas and opened several bank accounts that were used for drug money. Also a XXXX was rented in my name that was confiscated in a drug raid. Supposedly used by me. I have not been to Texas in years. I do not have an account at Chase bank, XXXX XXXX XXXX or any others that he named. He said that the FBI was investigating me. When I asked to speak to them he said he was providing the report. The number he called from is XXXX XXXX XXXX. Can you please help with this situation.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I had applied for Modification for the following properties just after these loans were transferred from XXXX XXXX XXXX to Nationstar. 
I repeatedly sent modifications documents to Nationstar but to no avail. 

XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX XXXX ) XXXX XXXX XXXX, XXXX, Fl XXXX
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

XX/XX/XXXX : Mortgage Loan Payments for the month XX/XX/XXXX were sent XX/XX/XXXX : received a call from Flagstar Bank that I didn't pay XX/XX/XXXX payment XX/XX/XXXX : 20 mins  later received a call that XX/XX/XXXX payment was received but they applied it as a Payment for XX/XX/XXXX ( which was made in the beginning of XX/XX/XXXX ). I made it clear to them that no one should be calling me or my wife before the 15-day grace period. Per the representative, it was notated that it wont happen again. 
XX/XX/XXXX : My wife & I are still receiving calls that we have to make XX/XX/XXXX and XX/XX/XXXX payment since yesterday even though I explained them the XX/XX/XXXX payment will be within the grace period for them to understand that its a XX/XX/XXXX Payment.
Consumer complaint received 2018-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2018, I received a mortgage statement, total payment requested was {$9600.00}. In an attempt to bring my mortgage current, on XX/XX/2018, I sent by XXXX to Wells Fargo N.A. a check in the amount of {$11000.00}. The check was received by Wells Fargo on XX/XX/2018 at XXXX XXXX and was signed by XXXX XXXX. There was no communication from Wells Fargo N.A. after the cashiers check was sent. Today, XX/XX/2018, Wells Fargo returned the check for {$11000.00} to me by XXXX   with a letter stating that they would not accept the payment. The letter simply stated that Wells Fargo N.A. apologized for the inconvenience. 
On today, XX/XX/2018, I made an attempt to contact Wells Fargo by phone. When I explained the situation, the person stated she would have to transfer me to someone else. I stayed on the line but no one ever picked up the phone to speak to me. This has been a recurring situation with Wells Fargo N.A. They have consistently been difficult to transact business with. I did not apply for the loan with Wells Fargo, N.A. My original mortgage company was XXXX XXXX XXXX. Wells Fargo, N.A. brought the loan from XXXX. It has been a nightmare every since. I am a veteran and concerned about becoming homeless due to the practices of Wells Fargo, N.A.
Consumer complaint received 2022-09-20
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC (IN)

I had a car that was voluntarily repossessed about 15 years ago. The amount owed was {$6400.00} after the sell off the car. I dont remember any communication about it after that. Fast forward to XXXX or XXXX I was taken to court by XXXX and XXXX and a judgment against me was interred for almost {$19000.00} for the car. I was told to pay {$100.00} per month. I paid the {$100.00} for about 2 years when my account was suddenly closed about a year ago. Im not sure why and dont recall getting anything in the mail. Around XX/XX/2020 I get a letter in the mail that looked like junk mail, but I open everything just in case. The letter is asking for the entire amount owed. They have no records of my payments that went to XX/XX/XXXX who is now XXXX. I was told that there is no record of my payment and Lloyd and McDaniel now want to proceed with the original almost {$19000.00} owed. I have proof of my payments ... I dont understand how a XXXX car can now be almost {$19000.00} .... I asked if I could pay my original balance of {$6400.00} with no answer Lloyd and McDaniel wants me to send the payment info but in order to credit me the account numbers have to be the exact same but some how they are different. Please help Respectfully XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. 

XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX 

I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

After having my wages paid into a different account, US Bank kept honoring automatic transactions for which there were no funds in the account to cover. To add insult to injury they have, as of todays date XX/XX/XXXX, levied over {$180.00} worth of overdraft fees on my account. I am currently on the phone for the second time in less than an hour to their customer service number, XXXX XXXX XXXX, the first time having been hung up on by one of their associates. I am now speaking to XXXX, XXXX ID XXXX, who has said she has no supervisors available to speak to me and who has refused to reverse the fees. I am asking you to ask US Bank to waive the entirety of those fees immediately.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a Jr and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Consumer complaint received 2018-02-11
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. (PA)

Stolen identity Under Closed accounts XXXX XXXX XXXX XXXX XXXX   open XX/XX/XXXX15 Amount XXXX Attached is copy of police report
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (IN)

On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-10-07
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. (KY)

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, Equifax and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX
Consumer complaint received 2018-02-11
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. (FL)

This company called XXXX  have a account in my name reporting on my credit file with a balance of {$580.00}, the company is not complying but I have asked The reporting agency to properly verify the account because the original creditor as failed to supply information..The credit bureau keeps verifying the account with no proof, or verifiable proof ... but since the creditor wont comply I expected credit bureau to delete the account because .... its indentity theft ...
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Auto loan with XXXX XXXX 2 late payments were reported on XX/XX/XXXX and XX/XX/XXXX I have reached out to all three credit bureaus to have late accounts updated to current with no late payment due to COVID-19 related issue with no success.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MI)

I had contacted PNC Customer Service via telephone on XX/XX/2021 about incorrect charges being placed on one of my accounts, monthly. The customer service rep acknowledged that the $ XXXXmonth charge was incorrect and refunded the fees. Even though there is a minimum balance required, since I have multiple accounts at PNC that are all linked, the aggregate balance should have exempted all my accounts from the monthly service charge. Hence the customer service rep refunded {$130.00} for 12 months of incorrect fees ( the maximum he could do, even though the service charges dated further back ). He further stated that this will be fixed and I should not be charged this service fee in the future. This was on XX/XX/XXXX. 

I wrote a letter to PNC on XX/XX/XXXX stating that the fix still had not been applied to my account. I have been incorrectly charged $ XXXX/month since XXXX. As of today ( XX/XX/XXXX ), PNC has yet to fix this issue. They continue to incorrectly charge my account $ XXXX/month.