davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

On or about XXXX XXXX, 2014, I applied for a loan consolidation serviced by Navient. It has recently come to my attention that Navient is being sued for unfair and deceptive practices. Upon further review of the terms and conditions of the consolidation application, specifically clause " G '', I have become concerned that Navient " may '' convert my department of education loans to private loans, raise interest rates and/or deem me ineligible for certain repayment plans and/or student loan forgiveness programs. Clause " G '' is vague and deceptive. I have heard of other borrowers whom experienced the aforementioned conversion and I am formally objecting to any such conversion. I am now worried about the most recent loan I took out through Navient for XXXX school education, whereby I am seeking a degree in human services. I would have never agreed to the terms and conditions used by Navient if it was made clear I could become ineligible for student loan forgiveness in the future, as I plan on working for a non-profit organization after completing my XXXX program. 

In addition, I 'm worried that Navient has or could misappropriate my payments or any other calculations regarding my loans and/or interest.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I used my husband 's debit account to pay my student loan bill. Navient would n't take the payment because my husband is not on my loan. They returned the payment and did n't notify me that my bill was due causing late fees and hurting my credit. I am on the IBR plan, and I do n't know how that will affect my payoff. 

I also work in non profit, so I was planning on applying for loan forgiveness after 10 years of payments.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I contacted XXXX XXXX in XXXX about qualifying for the federal student loan forgiveness program in XXXX after 120 on time payments and was on track to keep track of my government employment so I would qualify. In XXXX, I contacted Navient to make sure I was still on track, only for them to tell me I did not have the right type of loans for that. They now wanted to set up an income based repayment plan, which would not have benefited me at this point in any way since I would likely pay of the loans after 120 more on time payments just to qualify. I have been paying on {$33000.00} in student loan debt since XXXX at more than {$200.00} per month and still owe more than {$18000.00} on these loans. Something ca n't be right for 20 years of payments thus far.
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Navient has on multiple occasions put a student signature loan in deferment without my authorization. This resulted in only interest being applied to my account until I realized what they did. This now raises the monthly rate of the loan, and extends the time to repay. Somewhere after the XX/XX/XXXX payment Navient put the loan in deferment for two months until I called and asked them to not change my loans without my authorization. This added about XXXX dollars of interest to my account and added to the principal. This same issue also happened for a month after my XX/XX/XXXX payment. I am very disappointed with the tactics by Navient to change a loan that would cause more money out of the student 's pocket and more in their pocket. What they did was wrong, and it happened multiple times.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I deposited XXXX in certified funds to my personal checking account @ Bank Of America on Friday XXXX XXXX @ noon. BOA is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to BOA thru the ATM and not one of them have ever been endorsed. BOA allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Ever since I graduated and went into repayment they have been extremely difficult to work with about paying my loans. I owe an outrageous amount of money and therefore they want me to pay an outrageous amount each month. I ca n't afford the payments they want me to pay. I 've applied for XXXX every year and request to lower my monthly payment but they are extremely difficult to work with and do n't seem to really care about my financial situation. I literally have to go without groceries just to pay this bill because I do n't want to default on my loan and have that reported on my credit report.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I would like to have a signature page to verify this alleged account. 
I would like to know why the debt is a said amount and why the collection company has conflicting information regarding when the account was opened, when it became delinquent, and when they bought the debt and why if it is an old account is it still being reported on my credit file.
Consumer complaint received 2024-10-14
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. (TX)

See attached FTC report and remove these unauthorized accounts from credit report due to incorrect reporting and violation of the FCRA. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2024-10-14
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX Account # : XXXXXXXX XXXX XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to follow up on my previous dispute regarding the unresolved errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been sending disputes to the credit bureaus since XX/XX/year> and not once have I had any deletions nor have they even sent me any documentation that they are even processing my disputes. This is utterly sad that the credit bureaus are NOT DOING THEIR JOBS!!!!!!! I am going to the XXXX  XXXX. 


See attached
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-14
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. (DC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My bank refuses to prevent future payments to XXXX XXXX XXXX. They insist that the only way to fix this is to cancel my current card and have them send me a new one. 
For the past two months XXXX XXXX XXXX has tried to charge my account {$370.00} even though I no longer use XXXX XXXX XXXX. On XXXX XXXX XXXX charged my USAA Mastercard debt card {$370.00}. A few days later I contacted USAA and informed them 2 things : 1 ) this was an unauthorized charge and 2 ) USAA was not to pay XXXX XXXX XXXX any future payments from my account in the future. USAA said that it would be best for me to cancel my current card and they would issue me a new one. I told them that no, I 'd prefer to keep my current card and that they should simply just not make any future payments to XXXX XXXX XXXX. 
On XXXX XXXX USAA refunded the {$370.00} and I assumed that everything was ok. 
However, on XXXX XXXX, the same thing occurred again- XXXX XXXX XXXX charged my {$370.00}. I again called USAA and explained the situation once more. After and hour of hold time, discussions, and USAA telling me that the only solution was to cancel my card, I asked to speak with a manager. They submitted a request to a manager who just called me back. She told me several things about who the bank has a contract with Mastercard, how the bank could n't possibly predict what day XXXX XXXX XXXX would try to make the charge next time ( I responded that we should just assume it was going to be a weekday so please do n't let XXXX XXXX XXXX make the charge on a weekday- but also let 's include weekends just for good measure ) or how they did not want to interfere with the bank 's relationship with either the charging company ( XXXX ) or with Mastercard because that would then affect the relationship that all USAA members have with those companies. 
I then pulled up your website and we discussed its content. 
http : //www.consumerfinance.gov/about-us/blog/you-have-protections-when-it-comes-to-automatic-debit-payments-from-your-account/ This blog post refers exactly to what I 'm experiencing. 
By the end of the conversation " XXXX '' from USAA said that she would " do her best '' to try and solve the problem but again she said that most of the time the card needs to be closed and a different card number issued. 
I do n't want a different card. That would mean I do n't have a debt card for several days. Also, I would have to go through and reauthorize every company that makes validly receives payments from me. 
I 'd prefer USAA just obey the law.
Consumer complaint received 2016-10-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I have sent letters to Midland Funding and XXXX to have the account information reported removed from my credit report due to it not being mine and that they needed to prove it was mine by verifying my signature and neither company could verify it nor even tried other than to send me a letter stating that my account was sold to Midland and yet they both are reporting on my credit report. If it was sold, why is XXXX still reporting it? Neither could verify nor have they deleted it from my credit report. I gave them 30 days.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/2016, my husband and I began a loan repayment plan for our home mortgage which was past-due with Wells Fargo. The repayment plan was for six months and each monthly payment was to be {$1200.00}. 

We recently completed the plan this XXXX, however, we received an 'Urgent ' note on our door telling us to contact Wells Fargo Mortgage, immediately. We also went online and reviewed our last mortgage statement and the last two payments that we made are not reflected on our statement leaving us with a past-due balance of {$2700.00}. 

XXXX, our XXXX, is the representative specifically assigned to our case. We have made numerous efforts to contact XXXX, but have not been able to get in touch with her. We have, however, spoken with at least three other Wells Fargo specialists only to be told three different things. One representative told us that we had only made partial payments and that we still owed almost {$800.00}. Another representative said, that according to information on her screen, we had not made a mortgage payment in 47 days. 

I have attached all the necessary documents to verify that we have complied and made all of the payments of our repayment plan. We would like our account to be credited and brought up to date immediately and we would appreciate your help in facilitating this matter. 

Thank you kindly, XXXX and XXXX