davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

Last year there was a lawsuit announced regarding the Attorney General  XXXX XXXX XXXX XXXX XXXX XXXX Navient. Also, there were also XXXX State Attorneys General announced a {$1.00} Billion Settlement with Student Loan Servicer Navient private loans. However, I was eligible for private loan debt cancellation because the school I attended was on the list. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. In addition, the list of these for-profit schools is shown in the attachment below. 

The settlement was led by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, I applied and still wasn't able to get my loan canceled in this lawsuit. In addition, Navient will pay {$140.00} XXXX  to the attorney general. A total of {$95.00} XXXX in restitution payments of about {$260.00} each will be distributed to approximately XXXX federal loan borrowers who were placed in certain types of long-term forbearances. Yet, borrowers who will receive restitution or debt cancellation span all generations : Navients harmful conduct impacted everyone from students who enrolled in colleges and universities immediately after high school to mid-career students who dropped out after enrolling in a for-profit school in the early to XXXX. 

On the other hand, this settlement includes conduct reforms that require Navient to explain the benefits of income-driven repayment plans and to offer to estimate income-driven payment amounts before placing borrowers into optional forbearances. Additionally, Navient must train specialists who will advise distressed borrowers concerning alternative repayment options and counsel public service workers concerning XXXX XXXX XXXX XXXX ( XXXX ) and related programs. The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. Navient will also cancel more than {$1.00} XXXX in subprime private student loans owed by approximately XXXX borrowers nationwide. Californians will receive around {$260.00} XXXX of that debt cancellation, going to approximately XXXX borrowers.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX turns over unpaid Super Speeder tickets to XXXX XXXX XXXX XXXX for debt collection. The mailed notification of the Super Speeder fee ( {$200.00} plus a {$50.00} reinstatement charge ) -- a separate action from the initial traffic citation -- does not disclose this practice to the consumer. Instead, the notification gives consumers a choice : pay or have your license to drive in Georgia suspended. Because I was away from my home address, I received the Super Speeder fee notice dated XX/XX/2023 on XX/XX/2023. I had promptly paid the initial ticket of {$640.00} on XX/XX/2023. I opted not to pay the additional Super Speeder fee, since, as a New York resident, I do not intend or need XXXX XXXX in Georgia ever again. Subsequently, I received the bill from the collection service dated XX/XX/2023. 

I notified the collection service both in writing on XX/XX/2023 and by phone on XX/XX/2023, as well as by email on XX/XX/XXXX, that I was disputing the debt. The collection service noted the dispute but warned me that I might still be liable for the payment when I renewed my New York license. I am also concerned about consequences to my credit rating. 

I believe that the State of Georgia gave me a choice, which I exercised, not to pay and to incur the consequences. The selling of my debt to a collection agency is in violation of the Fair Debt Collection Practices Act and represents extortion of an invalid debt. I have contacted XXXX XXXX, Deputy AG in Georgia as well as the FTC about desisting from this practice. At the least, Georgia must notify drivers through highway signs ( as is done in New York ) about liability for additional fines, and disclose on notices that failure to pay may affect credit ratings of drivers. 

How do I insure that adverse results of this unfair debt collection practice do not affect other future transactions ( credit rating, license renewal in NY )?
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

To Whom It May Concern, During my school years, my HSBC bank account was compromised and there were unauthorized withdrawals. 

I had vehemently contested this with evidence of : 1 ) two police reports 2 ) a letter from the US embassy XXXX ) video ATM proof from the local police of the illegal withdrawal that was not me XXXX ) Suspect mugshots I wrote many times about this case. XXXX XXXX previously mentioned that no account exists, but this is because I have closed my account. 

I wrote to the CEO and complaints team many times. 

Are you able to assist.
Consumer complaint received 2023-08-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IL)

Navient has been calling me several times per day, morning, afternoon, and evening. I have asked the company numerous times to stop calling me. I have also filed a previous complaint with the CFPB to get Navient to stop calling me, and yet they continue to do so.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I am the co-owner of a Chase account ending in XXXX with my XXXX child. On XX/XX/XXXX   there were 6 unauthorized XXXX  charges taken from my daughters account for {$2.00}, {$2.00}, {$2.00}, {$50.00}, {$50.00} and {$50.00}. All charges were payable to XXXX XXXX in XXXX Florida. My daughter was at work on XX/XX/XXXX  in XXXX, California and she did not make these charges. 

My daughter immediately filed a claim and had her debit card closed as soon as she saw these charges. 

I received a letter from Chase dated XX/XX/XXXX    that states the claim was denied due to the same token ID and apple pay being used. Thats a LIE! My daughter did not authorize these charges and her apple pay was not used. Please see the attached picture of her XXXX XXXX transactions on XX/XX/. 

Chase can tell from the way the transactions were done that this fraud. It follows a fraud pattern with them testing the account with three small {$2.00} transactions and then three larger transactions for {$50.00}. 

I demand that this claim being paid immediately.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

After XXXX Bank/XXXX, their attorney XXXX and XXXX Court Dispositions in my favor clearly : 1. acknowledge the account is the same as is listed on my file 2. linked them, the account, the court case and amount as the same entry listed on my credit profile. 
3. received documents prooving all of this SEVERAL times, on several occassions b fax, direct upload and certified mail ... 
Both XXXX and Equifax STILL HAVE NOT REMOVED THIS FROM MY CREDIT FILE AS A NEGATIVE CHARGE OFF. WHAT MORE DO THEY NEED? EQUIFAX has not even updated my address as requested, as is obviously noted by all parties and in the court documents. They have claimed to investigate and reinvestigate and received verification from XXXX when the attach say different.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in xxxx - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Consumer complaint received 2018-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (ID)

Payment Errors : LoanCare did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2700.00}. This payment should have been credited as a standard monthly mortgage payment and distributed to Principal, Interest, and Escrow. Evidence of this payment has been provided to LoanCare through email and a direct letter referencing Error Resolution Notice under 12 C.F.R. 1024.35. 

Had this payment been applied appropriately, I would not have been charged a late fee of {$110.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX. Therefore, I requested a credit for these late charges in the amount of {$220.00}. 

I have made numerous attempts to correct this issue by calling LoanCare customer service line on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I also emailed documentation on XX/XX/XXXX ( LoanCare Ticket # XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Finally, I mailed LoanCare a formal letter referencing Error Resolution Notice under 12 C.F.R. 1024.35 outlining full details, proof the payment was made and received, and my account and contact details. 

To date, I have not received any acknowledgement of my inquiry or been offered any timeline for expected resolution.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX ******* Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an 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 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (OH)

Late fees from XX/XX/XXXX have been assessed to my account and Statebridge is unable to tell me what the fees are from. Statebridge took over servicing my loan, without my knowledge, and the servicer-XXXX XXXX- I used when buying my house states that the loan was " bought out. '' On XX/XX/XXXX I called and asked Statebridge for explanation and they were not able to explain it clearly ; telling me I would have to contact the loan company-XXXX XXXX-because the fees are originating from when the loan was serviced by them.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

We have had a mortgage with Wells Fargo Bank for approximately 10 years and have never been late with a payment. In XX/XX/2015, Wells Fargo Bank alleged that our home insurance lapsed and attempted to force us to pay several thousand dollars for their " mandated '' coverage. We have maintained home insurance throughout the 24 years that we have owned our home ( changed mortgage companies during those 24 years ). Our current home insurance is through XXXX and we pay approximately {$1700.00} a year for coverage. When we sent evidence of coverage to Wells Fargo, the bank reduced the amount that they said that we owe for their " mandated '' coverage during the period that they said that they didn't have evidence of our home insurance to {$680.00} ( we sent evidence of insurance as soon as requested, but W.F. said that there was a period of less than 30 days that they would require their insurance ). We paid the amount which Wells Fargo held in Escrow for a year and then they swept the account. We believe that Wells Fargo made up the insurance bill, created an escrow that was bogus ( not used to pay insurance ) and stole {$680.00}. This morning in the XXXX XXXX Wells Fargo was cited by the CFPB for auto loan fraud. We believe that they are doing the same thing with home mortgage insurance. We would like the fraudulent bill reversed and W.F. Bank forced to pay its mortgage customers for insurance fraud that is eerily similar to their auto loan business.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX - Received email from Citibank saying statement was ready {$23000.00} XX/XX/XXXX - Went online and paid the bill in full so I thought. I received an email payment confirmation. The Citibank system automatically defaults to the last bank account used and since I paid my personal credit card last it used that account. They need to take away the default and make the consumer pick an account. 
XX/XX/XXXX - Received email from Citibank that my payment " Online Bill Payment Action Required ''. They waited 13 days to inform me of this. 
XX/XX/XXXX - Went online to pay bill thinking I had not paid the bill. Received payment confirmation. I made the same default billing error again! 
XX/XX/XXXX - Received email again " Online Bill Payment Action Required '' and then figured out what was going on. 
XX/XX/XXXX - Paid the bill in full from my correct bank account. Fees plus an additional {$560.00} in interest was charged. In my opinion they intentionally do not let you know immediatley there is an issue with payment because they want to charge fees and interest. 
XX/XX/XXXX - I called Citibank to request a credit and inquire why my credit card charges are being denied even though I have paid the bill in full and have {$74000.00} available credit. Their answer is that I am not able to use my card for 30 days. What an inconvenience!
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and Experian on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.