davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I owe past fees on my student loan account with Navient ( XXXX ) in the amount of {$320.00}. I received instructions that I could submit a separate payment and designate the total to go to either the fees or the principal balance ( since this was a separate and extra monthly payment ). When I sent in the extra payment for the amount mentioned above, a portion of that payment went to satisfy the balance mentioned above and the rest went to interest ( about XXXX % of the payment ). When I called to request the payment to be re-allocated to the fees balance, I was told that this was not possible, that the interest needed to be satisfied first. I feel that I was mislead by the instruction initially given to me by Navient, by the Navient website for only mentioning that I owe the {$320.00} for the fees, and by the payment specialists not being able to satisfy my request. This was an extra payment that was submitted. The interest should apply to the next time I make my monthly payment. This feels like Navient is double dipping when I make extra payments to catch up to my outstanding balance ( in a good faith effort ). Everything I looked at that showed what remaining past due balance I had did not mention that a portion of my payment would go to interest. Had I known that, I would have adjusted my payment. That 's why I feel I was mislead. I 'm requesting that the portion that went to interest be re-allocated and fully applied to the past due fees balance. Thank you for any assistance you can provide.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a XXXX XXXX XXXX is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my XXXX  experience which violates XXXX XXXX XXXX. This error has caused XXXX XXXX  to my XXXX, my XXXX my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from mXXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I filed a complaint a weeks ago and bank of America 's attorney responsed with a complete packet of everything that has happened with my loan but the problem is its all lies.I have tried from the beginning to WORK withBoA to resolve my problem.They are the ones who always block an opportunity for me to keep my home.This home means everything to me since my late father was the one who did all the work on it and it always makes me smile I still see him on the ladder or painting. 
I first call XXXX XXXX and they contacted BoA and they told me I would be getting a packet and my payment would be XXXX, problem packet never came.Went to XXXX, My housing counselor XXXX XXXX called Bank of America once again I was told my packet would come in the mail in 2 weeks, problem never came. 
My house was onb sheriffi 's sale XX/XX/2010, I got an inhouse mod that was almost XXXX. more, signed the paperwork and send my first check only problem they said they got the check but no paperwork.I am trying to show their tactics in dealing with me.I am sick to my stomach at the thought of losing my home but I ca n't believe that this nightmare has been going on for almost 7 years.Please I am enclosing some documents which show they are liars and have been doing this to me with only one intention to throw me out of my home.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency? 
Name : XXXX Address : XXXX XXXX XXXX. 
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX. 

6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I terminated the lease I had with Mazda Capital Services ( JP Morgan Chase Bank ) in XXXX XXXX due to a total loss. I followed all appropriate steps of notifying my auto insurance and Mazda Capital Services ( MCS ) and the claim was filed and funds transferred within a couple months. 
In XXXX I received a bill from MCS for $ XXXX. I called to inquire about the bill and MCS told me they showed no balance due and my account should be closed. Then they sent me a paid in full letter. All of this is documented through conversations with MCS and documents I uploaded to XXXX Auto Insurance. One month later I received another bill for the same amount. Again I called MCS who informed me there was zero balance, again told me they would close my account, and again I received a paid in full letter on XXXX XXXX, XXXX. 
In XXXX XXXX, I received another letter, this time from United Recovery Systems claiming I owed MCS / JP Morgan Chase Bank over {$900.00} and was delinquent in paying it. I called MCS, who only told me my account had been transferred to the collection agency and when I asked why I was forwarded to voicemail, to which I have not heard any response from. I then called URS myself to learn more. URS told me that this $ XXXX debt is completely unrelated to the {$700.00} previously communicated to me and that the only information they had about the charge was that it was an insurance deductible. I confirmed with XXXX and MCS that I have no outstanding payments for my insurance ( in fact XXXX also thought the claim was closed ). 
I did not get any notice of this $ XXXX debt from MCS or Chase Bank before it was considered a " long outstanding '' debt and I have been very communicative about any other written notices received. 
As I have not been given any real reason as to why this debt is owed and I have been told numerous times that my account is paid in full and I have zero outstanding insurance payments or deductibles I am disputing this charge. I have already sent notification of this by mail to Mazda Capital Services, XXXX, and the Office of the Texas XXXX. I wish to submit my complaint and dispute here to official record it with the CFPB and ensure it is addressed. Thank you!
Consumer complaint received 2016-03-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (ND)

I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. 
Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On my Eperian credit report it is still showing XXXX late payments within the last 30 days and XXXX late payments within the last 60 days. These late payments were coming from XXXX XXXX  which has been Submitted to the CFPB on XX/XX/year>. They removed my XXXX XXXX  from my credit report but its still showing these XXXX late payments for XXXX and 60 days. Please remove them because these are not correct. Please see my complaint submitted on XX/XX/year> which has now been closed for more information XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( XXXX late in last 30 days and XXXX in last 60 days ) all due to the incorrect XXXX XXXX information. Please remove all of these as well.
Consumer complaint received 2024-08-09
Product: Credit reporting 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. (NC)

I notice on my credit report accounts that I did not authorize or have not been verified. I filed an FTC report due to information exposed in XXXX XXXX, please remove all accounts below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have had unauthorized account debits from a rental car company, XXXX located at XXXX XXXX XXXX, which is now over {$800.00} when my confirmed quote was for {$51.00} total. I have just had XXXX XXXX, and am being robbed by not only the rental car company, but also the credit card issuer Capital One, as they are of no help whatsoever. I would like to file a formal complaint against XXXX, and now Capital One, as what is happening to me is illegal. infact Capital One just argued with me to no limit, and I was assaulted over the phone by XXXX. Again I am recovering from neurosurgery at XXXX XXXX XXXX, and I am reporting credit card fraud, and failure to resolve credit card fraud. I am the consumer in the situation, and I see no other option than to contact the FTC.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Suburban Credit Corporation (CA)

I had a XXXX visit in XX/XX/XXXX and believed that all bills were paid. I moved in early XX/XX/XXXX and had a forwarding order to transfer my mail to XXXX. I kept my same phone number as I had in XXXX. In XX/XX/XXXX a collection was placed on my credit report. I had no knowledge that any balance was due. I did not receive any notices or phone calls! On XX/XX/XXXX, I ran my credit report and found this notice. I called the collection company today and they told me that they do n't have to call me. I informed them that I moved in early XX/XX/XXXX.
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (FL)

I have a mortgage with Indymac bank which was bought by Onewest Bank Reo, LLC, my house entered in foreclosure in 2009, I received a offer from the bank to make 3 payments, after the last one we agreed to set a permanent modification, I made the on time payments by they returned my last one and I was told that they just change their maid despite that we had a signed agreement, after that unfair situation I keep trying to obtain a loan modification and they asked for documents that I sent accordingly, most of the times they responded that they did not received them, despite that we sent them by certified mail. In the foreclosure court their argument was that I did not qualify for modification but they never provided me with that information or the reasons for their denial, but the National Mortgage Settlement reinforces obligations on Onewest Bank Reo , Llc., to follow the HAMP guidelines, and in my case those guidelines never were followed, my house still in foreclosure and the bank did not submitted any information that justify my modification denial.
Consumer complaint received 2015-03-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cawley & Bergmann, LLP (MN)

I have received XXXX voicemail messages on my cell phone from XXXX XXXX XXXX. They say their message so fast you do not even understand what they really want. Finally, after the XXXX call I called back. They were trying to collect a debt from someone who had my same name but kept calling me because my name was the same and I lived in the same state. XXXX XXXX, in their complaint department said they searched public records and got my number. I think they should verify more than names and phone numbers. I feel they were harassing me and I do not owe the debt and was guilty because I had the same name! These type of tactics should be stopped! Who do they think they are anyway!
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On XXXX 2015, I filed a complaint with Equifax against XXXX XXXX XXXX and XXXX XXXX XXXX for failing to validate a debt being reported to Equifax by these collection companies. I have also filed a complaint with the Consumer Financial Protection Bureau against both of these collection agencies. Complaint # XXXX was filed against the XXXX XXXX XXXX back in XXXX 2015 and they have failed to respond to me or the CFPB as to this date, but yet by some mysterious source Equifax validated this account. Even though I attached the complaint from CFPB to Equifax they failed to take in consideration that the law requires a credit collection to verify an account when a consumer request. I also requested Equifax to forward the validation that they based their decision on to side with this illegal collection company and Equifax failed to send that information. Complaint # XXXX was filed against XXXX XXXX XXXX back in XXXX 2015, In which they responded with no validation but a statement to the CFPB stating that : In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all the credit reporting agencies associated with the account and our office. The confirmation number for this request is XXXX. Please allow up to 45 days for the credit reporting agencies to process our request. This information was forwarded to Equifax in the complaint I sent them to have this bogus un-validated account removed from my credit records. I am requesting Equifax remove these accounts from my credit profiles and send me proof this has been done. Also I am requesting Equifax send me the validation they used to verify this account since I and the CFPB failed to receive such validation, also Equifax should be fined for not following the law to verify and report accurate information on consumers.