davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank On XX/XX/year> I used XXXX XXXX to send {$200.00} to a family member. On XXXX it said not delivered my family member did not receive the money but the XXXX was still taken out of my account. I had pull out another XXXX in cash to pay my family afterwards. 
I have sent money to them previously without issues before. 
I filed a claim and they denied it and closed the case. 
Before I filed a claim to wells Fargo I have contacted XXXX support and they would not help me and said to contact my bank. 
Wells Fargo would not pay me back and just closed the case and told me to contact XXXX.
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (PA)

I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with Equifax and XXXX 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against Equifax, XXXX and XXXX XXXX.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Navient failed to provide us with viable options to repay student debt. Loans sat in forbearance and deferment or were delinquent for 7 years. During that time we accrued over {$17000.00} in interest. We are unable to pay these loans and Navient will NOT help us.
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (TX)

The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of Credit Union Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK (SC)

I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (NH)

I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.
Consumer complaint received 2017-10-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.
Consumer complaint received 2017-10-19
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.
Consumer complaint received 2016-04-08
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AZ)

XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (LA)

21st Mortgage is holding my insurance payments for the repairs on my home. In order to obtain my funds, I am required to submit estimates and XXXX 's from each subcontractor. Once the necessary paperwork is submitted, it takes a minimum of 10 days to process the payments. If there is a problem with the paperwork, I am not contacted. I have to contact the mortgage company to find out why it is delayed. For example the payment to XXXX was delayed because my wife was told that because they were an incorporated business a XXXX was not required. When she called to find out why the payment had been delayed, she was told they did not submit a XXXX. Then she had to contact XXXX to obtain XXXX. I then had to wait another 10 days before their funds were released. This is not the first time I have been given inacurate information. Each time me or or my wife calls, they tell us something different. Further more, once I receive a check in the mail, it is made payable to me and the subcontractor. The bank requires both of us to come in person in order to deposit the funds. Then the subcontractor has to wait until the funds are released. This further delays the repairs on my home. My mortgage company has also informed me that all the money I spent on materials required for demolition will not be reimbursed until the final payment. On XX/XX/2016 I received a letter from 21st Mortgage that in order to receive my final payment my mortgage must be current. I do pay my mortgage on time. I am finding it increasingly difficult to do so while waiting for the mortgage company to release my insurance funds, because some of the repairs I have to pay for first, then submitted the paperwork and wait for the check to arrive. Once the check arrives I have wait XXXX business days before the funds are released. My home only took in XXXX '' of water but because of the mortgage company It will be the beginning of next year before the repairs are finished.
Consumer complaint received 2015-07-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks
Consumer complaint received 2016-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

On Monday XXXX XXXX, 2016, I contacted Navient about paying off a subsidized student loan of approximately {$2000.00}. I chose to pay over the phone as I know there is an exact pay-off amount that is usually a few dollars different from what the borrower sees in the online account. I was quoted a payoff amount of {$1100.00} and the agent took the information needed to pay this full amount. She let me know it would take a few days to reflect the {$0.00} balance in the online account and congratulated me on my payoff. 

In XXXX I logged into the account and noticed a {$33.00} balance on this same loan. When I contacted Navient, they explained that I did not, in fact, pay off the loan, and that a small remaining balance had been accruing interest since XXXX. They stated perhaps we were n't quoted the proper payoff amount, because our payment was only {$1100.00} and the payoff back then would 've been {$1100.00}. When you look at the account transaction history, it shows that we did, in fact, pay {$1100.00} on XXXX XXXX, but were then credited that money back and charged {$1100.00}, leaving an {$.00} balance to accrue interest. Why did this happen?? They could not explain, but the loan was n't paid in full so we now owed the {$33.00} interest accruement. We pressed, spoke to a supervisor, and were informed this would be submitted for evaluation and we would receive a letter in the mail. The letter came and we were denied - we owe the {$33.00}. 

I spoke with Navient again around mid-XX/XX/XXXX, and that representative told me that for such a small loan, she did n't understand why they would n't just close it out. She said she would submit it for evaluation and we would be contacted regarding this. I waited weeks and did not receive any contact. 

Navient contacted me Friday, XXXX/XXXX/2016, requesting payment - this loan is now past due. I inquired about the {$33.00}, that is now {$34.00}, as I had never received the promised communication about closing it out and was told they do not cancel loans unless they are under {$25.00}, but that I could speak to a supervisor. I was on a family vacation and had already discussed the background of this issue with the customer service agent for 20 minutes, and chose not to speak to a supervisor, as this is my 3rd time requesting action on this loan. 

I do not feel it is my responsibility to pay these bogus interest fees as I was charged the pay-off fee I was quoted, and the customer service agent changed my payment without my permission, resulting in a remaining balance. Whether complaining through the CFPB resolves this issue or not, I want others to know of their shady business practices.
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
Consumer complaint received 2024-08-14
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)

Last warning. 15 U.S. Code 1681n - Civil liability for willful noncompliance To Whom it may concern..

Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.

XXXX states that it is making a new update request to correct inaccurate information previously requested by me on XX/XX/XXXX. I have official, visual evidence showing that I have made previous disputes on XX/XX/XXXX, requesting that the erroneous information be disputed and updated, ( I provide evidence ), to which XXXX updated and responded that the disputed information was accurate and correct, XXXX stated that this account did not contain any errors or inaccurate information. which is totally false and illegal. 
I also filed another dispute with proof included on XX/XX/XXXX, which again updated unverified and erroneous information, once again violating consumer rights laws FCRA. 

Company : XXXX XXXX XXXX Account number : XXXX Under 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX several times about the accuracy of these accounts and XXXX has lied saying that they have corrected them and that there is no inaccuracy in their reports to Experian, ,,15 U.S. Code 1681i ( 5 ) states that after reinvestigating a disputed account by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be deleted immediately. 

This is also in violation of 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I will not tolerate any further failure or non-compliance by XXXX with the Fair Credit Act and this is my last warning to XXXX to DELETE the account with Experian. I am willing to file a lawsuit for non-compliance by XXXX with the laws mentioned in this dispute. 

I demand that my written evidence in this dispute be reviewed and that XXXX delete the account at Experian and enforce 15 U.S. Code 1681i ( 5 ) Att : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MO)

It is very simple. Citi closed XXXX of my LONGSTANDING credit card accounts because I did not use it enough for them to make money off of me. They did not warn me in any way that they were going to close my account. By closing the account, without warning, they have messed with my credit history and therefore my credit score. I could have EASILY used the card had they provided me with some sort of warning. Once again, a huge company is thinking of its ' bottom line and completely disregarding their affect on the consumer!