davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I was paying off my credit card with XXXX Bank. I called XXXX for my account number because I was paying it off with my online XXXX with XXXX XXXX and XXXX. I sent them XXXX to pay my card off on XXXX/XXXX/XXXX and it went to XXXX on XXXX/XXXX/XXXX. I started getting phone calls about being past due. Now they 're telling me that the account number that THEY gave me was for a paid off loan and they have no idea where my XXXX  went. XXXX XXXX has given XXXX the Credit Trace number, the File Trace number and the date that they received my XXXX} and XXXX keeps telling me that they lost the XXXX} and that I have to file a dispute with XXXX XXXX. I do n't have a dispute with XXXX XXXX, I have a dispute with XXXX Bank. An employee of XXXX is now telling me that I owe hundreds of dollars in late fees and that it 's not their fault that they gave me the wrong account number when I called back in XXXX.
Consumer complaint received 2018-10-25
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: Experian Information Solutions Inc. (GA)

experian report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.
Consumer complaint received 2017-10-04
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: BARCLAYS BANK DELAWARE (MI)

I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all XXXX of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting Brclysbankde Inquiry from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bk Of XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.
Consumer complaint received 2017-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

Have been making payments on and off since  XXXX  when funds are available to  XXXX   XXXX  which now is Navient.   Since  XXXX  I have made reoccurring consistent payments to   XXXX    XXXX   XXXX  which is a collector for Navient. Navient claims they do not know who this agency collection is and has no business with them.   My private loans were rehabilitated in  XX/XX/XXXX , however payments are still coming out of my bank account and neither business can explain where this money is going.   Navient claims they do not have my loans and neither does  XXXX   XXXX . NO  ONE  can tell me where in the world my loans are at.   I have been getting non stop harassment phone calls from Navient who have stated they will take me to court and also to jail. Navient has also told me they did not care where I got the money from and basically told me I need to become a  XXXX  to collect money for them.   I have been so scared about this company I am in fear of my life and afraid to even answer the phone Everyone at Navient either ca n't hardly speak English or just screams and THREATENS me.   Navient has also been calling my  XXXX  yr old grandmother and have THREATENED her as well. My grandmother is fearful of this company and what lengths they might go through to hurt her.   Being currently unemployed for the last  1 1/2  years my finances have depleted and I have tried to explain multiple times to Navient that I do not have money to give them and they just repeatedly tell me they do n't care where the money comes from as long as they get paid.   Somehow in the last year  Navient  has told me my loan amount has tripled and how is this possible when I have not taken out any more money and I had reoccurring payments monthly.   I do not know what to do. I would like to do the right thing. BUT, being in fear for my life from being THREATENED MULTIPLE times from the people at Navient I just do not know what to do.   I have reached to a local lawyer who have said he basically can do NOTHING. I am in need of advise and to feel safe once again.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC (TX)

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX mortgage. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to Shellpoint, who has a debt service contract with them. Shellpoint assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, Shellpoint transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXXShellpoint was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

1 ) Portfolio Recovery Services Account - XXXX Amount : {$11000.00} Address ID : XXXX XXXX ) 1 ) Portfolio Recovery Services Account - XXXX Amount : {$980.00} Address ID : XXXX Both of these accounts appear from identity theft. They do not belong to me nor do they have the correct social security number on file for me. I requested XXXX, XXXX and XXXX XXXX to have these accounts removed immediately, but this was not the case. Please contact me for any questions or concerns. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2017-10-03
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. (TX)

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
Consumer complaint received 2018-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2018 I received an e-mail from XXXX including a tracking number and shipping details for a payment of {$500.00} that I did not make. The e-mail appeared to be from XXXX and the seller was listed as : XXXX XXXX and the e-mail was : XXXX. The e-mail included my current address and was sent to my current e-mail address. I did not purchase anything through XXXX and did not authorize any payment of {$500.00}. My credit card was charged the {$500.00} on XX/XX/2018. 

Within 24 hours of receiving this e-mail and the unauthorized charge, I immediately contacted Bank of America to report the suspicious activity and the unauthorized purchase. The money was credited back to my account on XX/XX/2018. 

A few days later, a manila envelope was in my mailbox, with no return address. I opened the envelope and inside there was a crumpled and ripped up magazine. There was nothing else in the envelope. I could not return the contents as there was no return address. The tracking number also was updated to say my " package '' from the unauthorized vendor had been delivered, further confirming that the envelope with a crumpled magazine was part of this {$500.00} scam. I did not authorize any purchases, nor did I purchase a crumpled and ripped magazine for {$500.00}. 

On XX/XX/2018 I received a one page letter from Bank of America saying the following : After a review of details you provided, we've determined that no fraud has occurred. As a result, you'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will appear on your monthly billing statement. 

Again, I immediately contacted Bank of America. They informed me that through the investigation they contacted the merchant and he said that I received the package. Therefore, according to Bank of America, because I received the package and did not return it ( despite not ordering this package and having no way to return it with no return address ) that I was being held liable for the {$500.00}. They informed me that they would re investigate the claim. I reiterated multiple times to Bank of America that I do not use XXXX and I have documents that show an outdated XXXX account ( which includes an expired e-mail address, an address where I have not resided in over three years, and an outdated debit card ). Furthermore, when I was able to access this old XXXX account, there is no record of any purchase being authorized, no record of XXXX, and no history of any payments.
Consumer complaint received 2018-10-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gravamen Asset Management Group LLC (WI)

was notified of a collection added to my XXXX  report from a company called gravamen asset XXXX today XX/XX/XXXX for a XXXX  XXXX XXXX   account. This is from XX/XX/XXXX and was filed and discharged under a chapter XXXX bankruptcy filed in XX/XX/XXXX discharged in XX/XX/XXXX I tried to dispute on XXXX and it will not accept my dispute This is illegal and in violation of the bankruptcy discharge. it is also in violation of the 7 year reporting period I demand it be removed or I will request sanctions thru the bankruptcy court for these violations
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NY)

SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

A check was deposited by myself and the joint owner navy federal placed a hold on the check the hold was then took off and i have other payment providers through my online buisness navy federal then restricted my account due to activies that my online automated account modification programs automatically adjust payments posted from sales comission etc.since navy federal does not seem to understand the nature of my buisness a restriction was placed on my account and adjustments can not be made causing major financial losses of over {$1.00} a week. Furthermore a check deposited to my account appeared to be potentially to have negative status to my account navy federal reviewed this check placed a hold on the check even though myself or the joint owner hasnt attempted to access funds from that check until the institution clears or deems the check no good than its the banks responsibility to remove adjust or disregard a non valued payment instrument not the account holder this check was payment for a vessel that the bank has to my knowledge didnt honor or to my knowledge already adjusted this bank has violated also discriminated the nature of my buisness i am a XXXX also i XXXX XXXX XXXX XXXX XXXX XXXX the banks lack of knowledge of these ventures i believe the bank made an assumption of my character based soley on appearance made judgement and acted on a unprofessional way that caused my income to deteroirate also i still have account restrictions that i cant access certain things
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (NV)

Everyday at work I keep getting calls from this collection company. My job does n't allow for a creditor to call my work place. I plan on suing the company if I get ton of calls. This causes me to lose money at work and is embarrassing in general.