davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Subject : Correction Request for Personal Information on Credit Report Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : 1. **Name : ** XXXX XXXX XXXX 2. **Address : ** XXXX XXXX XXXX , XXXX , MI XXXX 3. **Date of Birth : ** XX/XX/ The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I am a XXXX XXXX who works with XXXX XXXX XXXX XXXX and I do not have money to burn. In order to pay off bills I decided to sell my XXXX XXXX desktop computer on XXXX for {$2200.00}. When a buyer purchased my computer I factory reset it, tested it to ensure it worked perfectly, and shipped it out to him. A week later he informs me via XXXX that he wants a refund as he is saying that it does not work. As I was sure it worked when I shipped it I asked for pictures of the error message as proof that it did not work. ( I have been scammed in a similar way on XXXX  in the past so I was being cautious. ) On XXXX 's resolution center it said that the refund was on hold pending additional documentation from the buyer. 

I recieved an email yesterday XX/XX/19 from XXXX stating that they issued him a full refund and that he did not have to return the PC to me. I called them and asked them how this was possible and they stated that they emailed me a week ago stating that I was to provide him with a return label and refund him the money. I informed them I was watching the resolution center messages and I thought that the issue was pending. After speaking with multiple supervisors I was told that the best they could do was to email the buyer and encourage that he send the computer back to me. I have also emailed him with no response from him, multiple times over the course of this issue. 

I spoke with multiple supervisors at XXXX last night and stated that that this was absolutely unacceptable and that there are ZERO seller protections and that I CAN NOT believe they would do something like this to a seller who has had a perfect rating and has been a seller on XXXX for years!! It would make sense to me that if someone wants a refund they send it to XXXX and hold onto it until the refund is issued and then send it back to the seller and charge them the shipping costs. That is NOT what happened here, they refunded him AND LET HIM KEEP THE {$2200.00} COMPUTER!!! Not only that they charged me the {$220.00} sellers fee on top of it so I'm out almost {$2500.00}. 

I am filing this complaint against PayPal as they are the ones who have pulled over {$2200.00} out of my bank account against my complaints to both them and XXXX about this being fraudulent and a scam. I need the Consumer Finance department to step in and help me advocate to have my funds returned to me as this policy is absolutely unacceptable and fraudulent.
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

My monthly plan is automatically debited from my bank account every month with an agreed upon payment of XXXX. This month they charged me XXXX with no prior notice, no explanation of why my monthly payment was raised and still claim I am past due. This over charge put me in the negative with my bank which activated an negative balance charge.
Consumer complaint received 2023-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

To Whom It May Concern : I am writing to express my dissatisfaction with Navient, my student loan servicer. In 2005, I consolidated my student loans with a different company, agreeing to a 2.25 % interest rate for 25 years. However, a few years later, my loans were sold to Navient. Navient informed me that my interest rate had increased to 2.85 % and that my repayment period had been extended to XXXX. As a result, my monthly payments increased from {$220.00} to {$280.00}. 

I have been paying my student loans faithfully for many years, but my balance has not decreased significantly. In fact, it has actually increased from {$43000.00} to {$52000.00}. I believe that this is due to the high interest rates and the extended repayment period. 

I am also concerned about the way that Navient has handled my account during the COVID-19 pandemic. I was unable to work for almost a year due to an injury, and I requested a pause on my student loans. However, Navient told me that I was not eligible for pause, and they instead placed my account on a forbearance. during this time i was out of work for almost a year. then i found out they took money out of my bank account without informing me. As a result, I was still required to make monthly payments, even though I was not able to work. 



I am writing to you asking if Navient practice and legal and legit. Ii had other loan and mortgage in the past that change lender, but can they change the terms and payments plan legally without my permission. I also want to know what legal right do I have in regard to my circumstance. 



I would appreciate it if you would contact me as soon as possible to discuss this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

This complaint is against Experian ID XXXXXXXX XXXX XXXXXXXX XXXX. These two agencies are joined together in the restoration of Identity Fraud, and the fallout of Identity Fraud. Experian ID XXXX XXXX was contracted by XXXX XXXX XXXX XXXX to help with the results of my Identity being compromised by a Data Breach -- within XXXX XXXX. This placed my Personal Info. out for the World to see. My consequences due to this XXXX XXXX have been very financially draining, and have consumed 2-3 hours daily in the monitoring and repair of my financial situation brought about due to this XXXX XXXX. And the needed repair seems to be never-ending. XXXX XXXX has also joined with Well-Path, as a Provider of XXXX XXXX, and thus both are involved in this Data Breach. 

Experian ID works and XXXX XXXX in combination, offer ID Restoration and Recovery that I would recommend to no one. Their talk is great, but their results are no where to be seen. I filed a complaint against this Company on XX/XX/23, and it of course remains unanswered. During this entire time, I have requested from my Restoration XXXX, XXXX, the name and contact info. of the Supervisor, and also her Supervisor. There have been countless requests for the Supervisor 's name and contact info. over several months. I also requested the name and contact info. of the Supervisor within my CFPB complaint and again this complaint remains unanswered. Having to deal with a 2nd rate Company, in addition to the fallout relevant to identity theft -- transistons in to a predicament that I would wish on no one. I have lost {$8800.00} due to this identity theft which was drained out of my retirement savings with XXXX XXXX. And this was after I had deactivated and XXXX all my XXXX XXXX accounts. The total amount of money that Experian has helped me recover is {$0.00}!!! This has been a waste of time. And I was counting on Experian ID XXXX for help, as this is my first encounter with identity theft, and I have no training in this area.
Consumer complaint received 2023-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX complaint filed but as with this complaint KIA only demands payment when XXXX XXXX XXXX XXXX XXXX HAS ALREADY PAID and confirmed THE NOTE AMOUNT ON THE CONTRACT was paid! Kia Finance nor the dealer cares or is concerned they have created this issue and evidently refuses to respond! FOLLOW up on Gap refund also indicates they claim not to be notified. By opinion a termendeous abuse of seniors, vets and citizens!
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (AZ)

TILA, FCRA, FDCPA Violations : Wells Fargo Ed. Loans has been misreporting my account to the credit reporting agencies in violation of the FCRA. It also failed to properly administer my ed loan account such that my payment was returned and my deferment request was not processed. My understanding was that my account was in good standing but my account is showing as 60 days overdue when it should not be! 

Please fix this problem as Wells Fargo 's unlawful violations of state and federal law are ruining my credit and my ability to refinance my loans to a less expensive interest rate. 

I have proof that I sent in payments which were returned and that my credit report has incorrect Wells Fargo credit history. The Wells Fargo Executive Team is playing games. I have given all of this information countless times but it is wasting and churning time ( in order to look like it's doing something ). It is apparently going to claim that it knows nothing so it doesn't have to actually do anything. The rep 's number goes straight to voice mail and appears to be set to " Do Not Disturb '' - great trick!! ( People use it when they want to snooze and their desk. Ha - they leave for the day, without doing any work all day! ) I need a resolution asap, please. Thank you.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ascendium Education Group (NY)

On my credit report at XXXX XXXX and XXXX appear an account by " Ascendium Education " with two different opening dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX ). The reporting company " Ascendium Education " had never contacted my via mail, I have no knowledge of any account opened by me with this company. this report is negatively affecting my credit history and my ability to be approved in any credit request. please help me.! thank you.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX area . It was a non contract month to month membership that could be cancelled at any time. I informed management that I would be moving to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. I am nearly XXXX miles away from any XXXX XXXX XXXXXXXX facilities and am a member at XXXX XXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never incured debt with XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this successfully with both XXXX and XXXX ; however, for some reason they are still on my Trans Union report . 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.
Consumer complaint received 2019-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I tried to dispute with Equifax a credit card on my account they showed I owed XXXX , it was actually XXXX and paid off, but they wanted to prove it was me by asking when my report was locked, I looked at my report and it showed no previous lock, but he said it did and I would have to file by mail ... 

Here is the problem : all my credit report said was { File Blocked For Promotional Purposes } The other two credit reporting agencies allow for disputes without having a 10 digit number, I don't understand Equifax 10 digit number cause it doesn't show up on my report as well.
Consumer complaint received 2019-02-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XX/XX/XXXX : received a notice from the County of XXXX stating my property tax payment is overdue. I paid the pending balance due even though I have an escrow account with Nationstar/Mr Cooper. 

I subsequently contacted Nationstar/MrCooper to let them know that I paid directly because the county did not get my payment from them. Nationstar stated they sent the property tax payment of {$3500.00} on XX/XX/XXXX. 

As of XX/XX/XXXX there has been no payment in the amount of {$3500.00} from Nationstar/MrCooper ( or XXXX XXXX, which is the company who makes the payments on Nationstars behalf ). 

I have asked Nationstar to credit back the {$3500.00} they deducted from my account but they have yet to respond back to any of my inquiries.
Consumer complaint received 2019-01-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I took out a VA Home Loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. I made my payments on time with them through the time that they transferred my loan out to Mr. Cooper out of Texas. My first bill was due to Mr. Cooper XX/XX/XXXX and I submitted my payment by that date and it cleared my bank on XX/XX/XXXX. My next payment to Mr. Cooper was due XX/XX/XXXX. I made this payment with an additional {$35.00} applied to the principal on XX/XX/XXXX. I received my XXXX statement around mid XXXX which brings me to the issue at hand. I logged in to my account to think about how much extra to put toward my principal for XXXX and shockingly found that my account was past due since XXXX. Keep in mind I have the bank statements where the money cleared, as well as the statements from Mr. Cooper saying I was up to date on each statement with no past due amounts. So, I decided to call Mr. Cooper. I first called on XX/XX/XXXX at XXXX EST and spoke with a lady and she said she escalated the call because it showed where I paid but then my money was reversed and applied elsewhere. Now, to explain reversed in her terms. It was reversed from my account and applied elsewhere but they could not tell me where. So the lady spoke with her manager and said they would call me back the next day. The next day rolls around and no call. I called them back at XXXX on XX/XX/XXXX and spoke to a XXXX. He said there was no record of my previous call so I started writing things down. He would not listen to my situation so I asked for management. Then I was connected to XXXX XXXX. After speaking to Ms. XXXX, she ask if I could send proof of where it cleared the bank. I told her absolutely and did so while I was on the phone with her. That proof was sent by email as she gave me all of her contact information. She told me that she would send it to accounting and that I should know something by Monday XX/XX/XXXX. She said I could call back on the XXXX to check. Monday comes around and I wait until XXXX EST to call and check the status. I called with no answer, however, she did call me back. She then told me nothing had been done on my account and that she had my number and would call me back on the XXXX because they should have things fixed by then considering it was submitted on the XXXX. The XXXX rolls around and no call as of XXXX EST, so i gave her a call with no answer. I feel like I am exhausting all means necessary to resolve this on my end. However, it seems as though this company received my money then removed it from my account and put it somewhere else. I have all the proof of the payments, the statements, and times and dates of attempted resolution. I am now getting calls from the VA asking why I have not paid my mortgage. I am getting letters from Mr. Cooper asking why I am not paying my mortgage. This issue is I am paying my mortgage and it appears as though Mr. Cooper is taking my money and not applying it to my account.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Collections West, Inc. (AZ)

I have sent documentation to both parties, ( the original debtor " XXXX XXXX XXXX XXXX XXXX   and US Collections West In. ) that the information that us west is reporting on my XXXX credit report is inaccurate and the debt was discharged in 2012 and is now being reported on my credit file filled with inaccuracies. The account in question had been previously stated on older credit reports as included in bankruptcy and now that statement has been unlawfully deleted/removed in the comment section of my credit report. It is now seven years later after being discharged in bankruptcy and they still refuse to follow the FCRA guidelines and are currently attempting to unlawfully collect on a debt, adding extra fees to the debt and refuse to acknowledge the fact that this is no longer a collectible debt.
Consumer complaint received 2019-02-13
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. (MD)

In the month of XX/XX/2018 I reviewed my credit report and there were many fraudulent accounts that were on there. I'm in desperate need of these items being removed.
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

The debt collectors have released information to a third party about a civil lawsuit against me. I have repeatedly asked them to stop calling any third partys & they continue to harass them
Consumer complaint received 2019-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Simpson Law Firm, P.A. (MS)

Was on a payment plan with a law firm for XXXX XXXX XXXX for a debt owed and have been making payments to them the law firm has went ahead and garnish my bank accounts for over XXXX when only XXXX is owed they have taken 100 percent of my wages and other and has left me nothing to live off of
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Back in XX/XX/XXXX, I was wrongfully terminated as stated in my first complaint with the bureau. I contacted XXXX XXXX ( XXXX ) credit card customer service around XXXX to inform them of the situation. They offered a hardship program and I accepted. Months went by as I continued to make the payments. I signed into my online account to check and see the progress I made, then discovered XXXX XXXX, the insurance program I signed up for was charging my card as usual. I realized it slipped my mind that I had been paying for insurance, however, no one reminded or offered this benefit at the time. On XX/XX/XXXX, I contacted XXXX about this, they said I would have to contact XXXX XXXX, I did. I was told theyll take care of my payment due that month, in the meantime, I needed to provide documentation of unemployment. I was sent an email the same day from, XXXX Not sure why the form is dated XX/XX/XXXX now ... but I received it XX/XX/XXXX. On XX/XX/XXXX, I completed and emailed the paperwork as instructed. I cant find the first follow up letter I received in the mail but last month I got a letter stating I needed to verify I was unemployed. I called XXXX XXXX   and told them that I did send the info, the rep said I will be receiving another form with more detailed instructions. As you can see where it says, Second Request I got the exact same notification. Im still responsible for my payments to XXXX  and still being charged for insurance so Im not making any progress. XXXX  XXXX is taking between $ XXXX {$13.00} a month and my monthly payment is {$13.00}, I owe {$650.00}. This shouldn't be if I have insurance.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARS National Services, Inc. (TX)

I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.