davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Hi, I'm going through a massive hardship right now with my health, and I have been trying to settle my debt owed to Navient. I have raised {$10000.00} by selling items and cashing out my 401K and have offered this to Navient as a settlement payoff and they refuse to accept it as a payoff. It's only {$600.00} off of what I owe. 

My health is not good and the stress is causing me further health issues. I had two co-signers with this loan originally and to date one is dead and the other is XXXX, so I'm it. 

Navient remains very hostile and sets roadblocks in the way of paying off this debt. They keep claiming I have two co-signers that they will go after when I don't have any. Again, one is dead, and the other is XXXX XXXX with no assets. 

I have never been late on a payment before and was always on time. Navient is simply one of the worst predatory companies I have ever dealt with. 

Any assistance the CFPB could provide with resolving this matter will be most helpful.
Consumer complaint received 2019-02-19
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: Experian Information Solutions Inc. (CO)

On XX/XX/19 I went XXXX XXXX in XXXX, Colorado to inquire about a car and after Ive come to the realization that they were continually doing credit checks with copious different banks and them not having a lot of cars that Im interested in, I decided to leave. The very next day, the salesman I was working with started texting and asking me why I left, I told him because I had nothing to offer and kept making my credit look bad. Then he began antagonizing me. Not long after I ended the conversation, there were several more credit inquiries reported under that dealerships name with my knowledge and permission
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (GA)

This company put a fraudulent account on my credit. I disputed they left it on. Its been charged off since and the amount is over {$600.00} I requested a 1099c form and they refused to send me one to report to irs. They were paid from business insurance for my account and still sold the debt after being paid
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

On XX/XX/XXXX or XXXX, XXXX I left an apartment complex. I filed out paperwork in the leasing office, and both my ex and I signed and paid to have me released from the lease. We gota divorce and our debts were then declared our own. In summer, I believe XXXX, of XXXX I noticed a new debt on my credit report from the apartment. It was for {$880.00}. I called the apartment and explained to them the problem, and the apartment number they had the debt for I never even lived in. Yhey claimed to have switched mangement and were no longer able to find my paperwork getting me off the lease, but called the debtors to correct the apartment number. I offered to show proof that I had left the apartment in XXXX of XXXX after only signing a lease in XXXX of XXXX. I was told both times I called that they would fix it. They have not. I called the creditor in XXXX as well, they refused to even hear me, they refused to accept my proof that I had left. And when I told them my divorce states that my exes debts are theirs, they refused to take me off the debts. Holding me responsible for debts that don't belong to me. I have since had the report removed from my XXXX XXXX account and just from that my score is 100 pts higher than it is on XXXX  because of this false debt. The complex are frauds, and so are the debt collectors. The collectors call me now three times a day from two different phone numbers to collect a debt that never belonged to me in the first place. They said they would email me with a response to my claim that the debt doesn't belong to me, that was before the new year. I haven't heard anything back, but I keep getting phone calls and my credit remains stagnant with their false reporting.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been lied to by Capital One Auto Finance. Here is what happen to me. I set up a payment plan with Capital One Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report. 

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I went to chase bank XXXX Ohio and deposited XXXX $ on my way to buy a car. After it took the money it didnt deposit printed a receipt and now I cant buy the car I want before the year is over which means I probably wont get it at all cause I have to wait on my money to be added to my account
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Check Resolution Inc. (GA)

XX/XX/2019 XXXX at extension XXXX of National Check Resolution Inc. left a voicemail on a person that is no longer associated with the business regarding a debt that the business and I have obtained personally and threaten that a asset investigation is on the way, which brought total embarrassment to me and me wondering how she can legally leave personal information about me and my business on someone else 's voicemail. I called XXXX up and told her how can she legally do that and she said because the person was once associated to the business in her paperwork. And then I told her the business was in a legal lawsuit at the moment but I did have an attorney and would be filing bankruptcy because I have lost everything with the business, and she said if I settled today she could take a settlement but if not then as of Wednesday they will open a asset investigation and go after my personal accounts ... I really felt like she was XXXX  me to settle, when I have nothing, and I financially cant settle.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

On XX/XX/19, I called Big Picture loan to advise them my funds were not going to be available and I would pay the full amount off on XX/XX/19. I asked for the total amount due I was told {$800.00}, I have already paid them {$710.00}, back on a {$1000.00} loan. At the time I applied for the loans I was told there were no penalties for early pay off. I asked the person I was speaking with today how for the total amount due and was told {$1100.00}. So basically they are try to charge me $ XXXX on a {$1000.00} loan. This company is misleading and the representative tell you lies to get you into the loan. Trying to avoid interest fee by paying it off early and they still charge you. They're fraudulent company that send you fliers in the mail constantly. Please help!
Consumer complaint received 2020-02-28
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: SYNCHRONY FINANCIAL (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Leviton Law Firm, Ltd. (NE)

In approx XX/XX/XXXX I had a credit card processing machine from XXXX that had not been working properly for several months. We spent several days and many hours on the phone with our sales rep and technicians of the company XXXX to get it to work correctly. We were not able to swipe cards for charges. We were only able to manually key in the information which in turn is billed at a higher rate. We cancelled the machine and sent it back to XXXX because our contact had expired. XXXX immediately turned us over to collections with The Leviton Law Firm Ltd. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. I have had 2 phone conversations with the company. One conversation was reportedly not recorded. I called them to ask them for an email address I could send information to and she took my email address at that time. That was several months ago. I can retrieve the phone logs for an exact date. I called again XX/XX/XXXX and spoke to a XXXX XXXX of the collection firm and the phone call immediately turned nasty. I told him I called previously a few months back and spoke with a woman about this bill from XXXX that they were attempting to collect and he argued with me and told me I had never called. This information was false and I advised him of this. He again stated that I never called. I told him I wasn't going to argue this with him and asked for an email address I could send correspondence to. He just became difficult to deal with by talking over me and being sarcastic. I asked him several times for an email address because I would not have a conversation with him over the phone over this. He laughed and stated he didn't care if I got an email address but would still not provide it. He stated that they have made several calls to me but I have never returned the calls. I have never received any call from any one identifying themselves as collections or any on from The Leviton Law Firm Ltd. I ended up just hanging up because I felt he was trying to provoke me with his behavior. I do not owe a bill to XXXX and do not have any way of notifying this collection agency of the situation because no one will listen to what I have to say. What do I do now? I don't owe money to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ne XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Ordered Free Credit Report ( been doing this since XX/XX/XXXX ) I get Free Report from different Credit Reporting every 4 months. Total 1X per year from each agency. 
On XX/XX/XXXX I contacted automated line as usual XXXX and gave my choice as EQUIFAX. On XX/XX/XXXX I still had NOT received Report. I contacted Equifax and after lengthy questions ( 27 MINUTES ), I was informed " Verified '' and that Equifax had NOT received Request. ( NOT TRUE ). 
I became concerned about what happened and who had my Credit Report after waiting for almost a month, thus I made this inquiry to Equifax. It seemed like I was talking to someone in a Foreign Country as we had problem ( s ) understanding each other. 
I asked for explanation of why I did not receive and was told other customers are experiencing same issue. 
YOUR SYSTEM DOES NOT WORK, at least with EQUIFAX. 
This entire issue has been a nightmare and time consuming.
Consumer complaint received 2019-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a credit dispute on XX/XX/XXXX, and its XX/XX/XXXX and there havent been a response from Transunion. Its a clear violation of the FTC against Transunion on responding to disputes.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I deposited {$570.00} in an ATM inside a branch of TD Bank. The machine gave an error and returned the card. The money is not available on my account and has not been returned to me either. I am being told it might take a long time to resolve the situation ( if resolved at all ), which places a huge burden on me as I have liabilities that I need to pay off now. It took place in XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Consumer complaint received 2019-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, I sent a request to the credit bureaus, to investigate five errors that currently appear on my credit file. They were supposed to respond within 30 days. However, 30 days have passed, and I have yet to receive my responses.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (FL)

PayPal Credit deceptively limiting customers access to their financial information across all mobile platforms. 

PayPal Credit does not show mailed-in payments received NOR promotional balances on my mobile app ONLY payments received on my laptop. I can not see a mailed in the payment received/promotional balances either through my mobile app, using an internet browser on my phone, nor when accessing the desktop site in my phone browser. 

This is surprising being that they strongly push their mobile payment options through XXXX pay or pay at register marketing ( e.g., XXXX ; XXXX XXXX ). 

I mailed in a payment on XX/XX/XXXX but by XX/XX/XXXX had no clear indication the payment of XXXX from XXXX was received though checking my PayPal account regularly on my phone I contacted customer service on XX/XX/XXXX. They directed me to a computer and noted that some of my personal financial information is inaccessible in across all mobile formats ( e.g., mailed in payments/promo balances ), though my balance may reflect the difference. This creates increased risk that I will incur unanticipated interest and fees.
Consumer complaint received 2019-04-26
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. (AL)

Equifax and XXXX are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.
Consumer complaint received 2019-04-26
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: CITIBANK, N.A. (VA)

Once again filing a consumer finance dispute because I have run out of options here. XXXX will not give my money back and as of today, XX/XX/XXXX, they have stopped providing services to their user 's who prepaid A YEAR IN ADVANCE. I have filed this with XXXX as well. 

On XX/XX/XXXX- I sent XXXX an email asking for cancellation of my service. I wanted to see Wreck It Ralph and tried to, but the service would not issue me a ticket. Furthermore, I just checked my XXXX   account ( I can for some reason log-in online ) and I requested the cancellation before my " attempt '' is logged on the XX/XX/XXXX. I never saw Wreck it Ralph on the XX/XX/XXXX. I tried to see it on the XX/XX/XXXX,  but it obviously did not work out as you can see by the provided request for cancellation email. 

Then we go through the same things as noted before, XXXX never responds, XXXX never reinstates my account after multiple requests. I paid {$110.00} to watch 3 movies a month. I have been able to watch two movies : Spiderman on XX/XX/XXXX and Wreck it Ralph on XX/XX/XXXX. On top of everything else, XXXX charged me fees on top of the {$110.00} I paid to see these movies. I have already joined the lawsuit for this portion. I requested my cancellation well before seeing being able to see any movie. The only correspondence I have EVER received from XXXX was to let me know that this is my banks responsbility and they are deactivating my account. All documents with dates are attached. I have 7 months of service left. I have been unable to use this garbage service and {$110.00} is not some small amount of money. I work hard and this is totally unfair. They scammed thousands of users. Please Citi help me out! I use credit cards for the protection, so why is Citi not protecting me? Thank you!
Consumer complaint received 2019-03-12
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: Transfinancial Companies, Inc (LA)

I have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX  report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.
Consumer complaint received 2019-03-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I went through a divorce and fell behind several payments, tried to modify with Carrington Mortgage Services to see if they would help me out while I got back on my feet but the only thing I got was a payment increase along with my loan balance. No other solution was given to us and we are now a few days from loosing our home. My loan # XXXX and my " point of contact '' is XXXX XXXX
Consumer complaint received 2019-03-12
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. (TX)

Equifax and XXXX are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Have tried to contact CITIBANK credit card company numerous times back in late XX/XX/XXXX. Left several voicemails for them to call me back but to no avail. The resolution to the disputed amount of {$100.00} charged by XXXX on XX/XX/XXXX was a decline to apply a credit back to my account. This charge is one of the few others that were being charged by the same merchant and was disputed successfully except for this one. 
Again, CITIBANK and/or XXXX failed to provide proof of authorization of this charge of {$100.00} nor to show what was the charge for. Terms & Agreements of Use of Citibank credit card supplied by customer service DO NOT in any where states that a mere present of a credit card would mean an authorization of purchase. Furthermore, base on Visa Credit Card company, credit card with a chip built-in & " chip scan ready " terminal at the merchant could waive a signature, ONLY APPLICABLE IN THE USA. 
CITIBank is not protecting the interest of its members and appears to be negligence in their investigation of possible misuse/fraud of my credit card info.by the merchant. How could charges kept appearing one after another on my statement AFTER full payment for the rental car was made. No proofs/documents of such can be produced by merchant nor CITIBANK.