davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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. (WA)

I was intentionally misled in regards to being signed up for the Public Service Loan Forgiveness program with Navient. 

When I first heard of the Forgiveness Program in XX/XX/XXXX, I was very excited about it and being already connected to Navient, I called them to inquire about the program. The person I spoke with told me about the 10 years, 120 payments, and program and led me to believe that I can sign up with them that day which I did. 

I also called Navient approximately one year ago because of a bank issue with my automatic withdrawl, and I was afraid I was kicked off the Loan Forgiveness Program. The person I spoke with told me that I was fine, not to worry, and I was still on the program. 

I just recently started my own Non-profit and a friend thought I could get extra loan forgiveness benefits, so I called Navient XX/XX/XXXX ; to ask about it, and the person on the other end was once being evasive and talking about loan consolidation program I would be eligible for ... and I point blank asked her, " I AM ON THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM '' with Navient? '' She sharply said, You need to call ( gave me the phone number ) for PSLF and hung up! 

I called customer service to talk to a Supervisor who was " apoplectic '' and wants me to sign up for the 20-25 year forgiveness program ; and I had to submit information about my claim to get credit for the time I thought I was on PSLF program.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NV)

I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with XXXX XXXX.
Consumer complaint received 2018-04-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc (CA)

I SOLD A XXXX XXXX XXXX IN XX/XX/XXXX FOR {$1500.00} THE PERSON I SOLD THE VEHICLE NEVER TOOK THE VEHICLE OUT MY NAME OR REGISTERED THE VEHICLE I FILE A NONOPERATION PAPER ON VEHICLE INXX/XX/XXXX THE LAST TIME I SMOG IT WAS XX/XX/XXXX SO THE PERSON COULD NOT DRIVE IT OR PUT IT ON STREET SO I FIGURE HE HAD IT IN STORAGE I GOT A IMPOUND LETTER IN THE MAIL FOR VEHICLE AND A LIEN COLLECTION PAPER I SENT ALL THE INFORMATION HAVE ON THE PERSON FROM THE IMPOUND PAPERS WITH HIS NAME CERTIFIED MAIL TO THE LIEN COMPANY LIEN ENFORCEMENT , INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2017-11-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bliksum, LLC (CA)

I been receiving multiple phone call from this agency.XXXX XXXX area code : Toll-free Read comments below about XXXX. Report unwanted calls to help identify who is using this phone number. 
Left a VM saying, " This is XXXX calling with XXXX XXXX  an advocate for the XXXX County courts calling to notify you of your appearance date requested to be scheduled for this coming Friday, XXXX XXXX, 2017 at XXXX ( today is XXXX XXXX, 2017 ). As the XXXX XXXX, we do not hold the contents to your case. You must contact the filing party if you have any questions or concerns regarding your expected appearance. They can be reached at XXXX. Again, they should be able to answer any questions regarding the time, date and venue in which you are expected to appear. Thank you.XXXX is XXXX XXXX XXXX XXXX, a debt collection agency. 

I called them to see about this matter and XXXX was being very rude and yelling at me because I was asking questions and did n't want to pay her. She state that " I hope you suffer. '' I just hang up on her. She stop calling for a day and now is calling all over again.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

In XX/XX/XXXX I was informed by XXXX XXXX that LexisNexis was showing a claim history for me ( including a {$31000.00} claim in XX/XX/XXXX ) that forced them to decline me homeowners insurance. 

I contacted LexisNexis and found out that they had mixed the records of an XXXX XXXX XXXX with mine ( XXXX XXXX XXXX ). When I asked them to correct this they told me they had 30 days to investigate even though the XXXX XXXX lived in another state and had insurance with a different Insurance company ( XXXX ). Claim number XXXX was assigned Despite dozens of calls and promises that they were expediting their investigation nothing happened. The " fix '' was as simple as getting the other persons social security number to confirm what I told them. I supplied the other persons phone number, address and insurance company as well as people at XXXX who could also have separated our records. 

LexisNexis may be a company most firms rely on but as far as I am concerned they need a big slap on the wrist for careless reporting and then a incredible lack of judgment and concern for their negligence. 

Recently they removed that XX/XX/XXXX claim from my file while incredibly leaving other claims for that same individual in my file. How can this company be allowed to operate when they can't separate two people who don't even have the same name. How many red flags do they need? 

This has cost me hundreds of dollars in insurance premiums as the insurance policy I was quoted became unobtainable. In addition, I have spent dozens of hours and endured frustrating discussions with poorly trained employees I would like them to be fined and I would like to be compensated for their negligence Anyone in my shoes would understand that LexisNexis needs to retrain employees as well as overhaul how they collect, record and file information Thank you
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc. (CA)

Re : Earnings Withholding Order for Taxes, Account Number : XXXX XXXX XXXX. 

1. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
2. State Board of Equalization Account No. XXXX XXXX XXXX DOC # XXXX Filed : XX/XX/XXXX ( {$20000.00} ). 
( XXXX XXXX ) XXXX County. 
3. XXXX XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX (  {$20000.00} ) ( XXXX XXXX ) 4. XXXX County Recorder Identification Number : XXXX, Filed : XX/XX/XXXX ( {$20000.00} ) ( XXXX XXXX )
Consumer complaint received 2018-04-04
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. (FL)

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB 1XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Accounts, LLC (OH)

I am a husband and the debtor is my wife. I received and returned calls on XX/XX/XXXX @ XXXX est, XX/XX/XXXX @ XXXX est, & XX/XX/XXXX @ XXXX est. All three times the debt amount and its collection status was disclosed to me as well as demands for payment although I am not on the debt. They continued to call me and collect a debt even after explaining that it was my cell they were calling, that I am not a right party, and that they needed to speak to my wife. When I asked them to stop calling, since they are only allowed 1 call to update info, they told me they would not cease calling until they received it in writing. I am not a right party, they can not disclose nor continue to harass me for a debt that is not mine. They continue to do this after being told their errors. They even lied to me about legalities.
Consumer complaint received 2022-10-28
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. (CA)

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 an alleged fraud or extortion.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Alorica Inc. (TN)

I have had a store card from XXXX XXXX for over 10 years. Late XX/XX/2016 I had taken advantage of their 18 months no interest financing offer when I had bought a brand new house and purchased a washer, dryer, refrigerator and two televisions. Long story short, I have consistently paid on time and a couple of months noticed that it seemed my balance was not going down. So I looked into the statements for any transactions or hidden fees and I noticed something labeled Enhanced Debt Protection. I have been getting charged this fee for quite a significant amount of time now and I not only called XXXX XXXX but also called representatives that dealt with the program. I explained to them that I had never opted into any sort of program or agreed to pay a monthly fee. I requested that not only do they terminate this program, but also refund my money that they've been sneakily charging me for all this time. That was nearly two months ago. They stated I had opted out of the program and that I would receive a letter containing their response to my refund request. I have yet to receive any such letter, so I called mid month this month and they told me it must have been lost in the mail. They put in another refund request and informed me that it'd be yet another 30 day wait till I receive a response, literally just biding them more time and starting the vicious cycle over. I am outraged at this company and XXXX XXXX for not being more helpful with this process and cheating loyal account holders off of hundreds if not thousands of dollars. The only fair resolution to this scam is to reimburse in full.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

CommonWealth Financial acc # XXXX is reporting on my credit report. I have not been to the Hospital or had any medical attention and this is not my account reporting on my report with these people. I am requesting full deletion of this account on all credit reports to not be added back.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

XXXX XXXX known as XXXX XXXX XX/XX/XXXX opened multi accounts in-store branch -shortly after they were seized and closed down by law enforcement Govt. 

XX/XX/XXXX closed CD dep acct which I did n't fill with funds they did for {$1000.00} dollars in order to rebuild credit they say. Paid monthly XXXX dollars set up arrangements installed. Shortly, after closing bank down which I never received notification that they were closed or seized by the Govt,  XXXX XXXX /XXXX XXXX put the CD dep acct ending XXXX on my all credit bureaus as if owned {$960.00} dollars installed. Not true, after which, received a letter about no longer obligated to acct as it is closed no further action needed and received a XXXX credit on the same acct. Online shows bal XXXX cents XXXXX-17 therefore, making a tremendous dropped in my credit score of 143 points down from XXXX to XXXX unable and denied credit and apt housing when needed XXXX XXXX XXXX. Called spk to mgt yesterday said they will notify XXXX and all bureau o this fact and correct info.
Consumer complaint received 2018-04-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Our forebearance of one year ended in XX/XX/2018. The anount of {$370.00} was due each month and I never missed a payment. I made a call to Navient to extend the payment amount ( {$370.00} ) due to the fact that the student is still not working and that I, the co-signer am on a fixed income. 
I gave all my financials again and was told there should be no problem, a supervisor had to approve it and the student had to be contacted. 
Navient contacted the student and told him he had to pay {$490.00} a month, never including me in the repayment schedule. 
I immediaely called Navient to again explain my financial situation and that the student is not working or paying this loan and was told it was too late. How can Navient negotiate with a person who has no means of of financial support and disregard the person who is paying the loan? 
As far as I'm concerned they practice predatory lending and should be held accountable.
Consumer complaint received 2017-11-01
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. (IL)

On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}
Consumer complaint received 2018-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ceannate (WA)

I am re sending the letter dated on XX/XX/XXXX and is " Not a Duplicate '' question that was marked on XX/XX/XXXX. I making the complaint because I have not received a break down of fee 's assigned to this account # XXXX ; CFPB Complaint : XXXX while at XXXX, a Ceannate Company before sending off to my servicer that is assigned now. I need a break down of Principal amount, Interest, collection fees or any other fees that were assigned to this account before it went to my servicer. The letter attached did not include this for my review and my understanding of all fees is not clear of the amount owing. 

Please forward me a copy of this so I can review.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank cliamed to close my credit card because I had done money laundering. I was told my supervisor they thought I was doing money laundering and that was reasoning for closure. Never in my life have I committed a crime and I have perfect payment history with all my cards for 6 years. I have no idea what in the world made them think I was doing such a thing. Please provide 100 % proof of your findings or reopen my account ASAP. This is discrimination and false accusations of someone who has been a perfect client with perfect history.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a Business Account in Union bank in XXXX, 2017 and was asked to keep {$2500.00}, and the Bank will not charge me a fees, this is the third time they are charging me a fees of {$5.00}, earlier they charged me {$7.00} XXXX times and I have to call in to get the fees waived, I have other things to do, I can not waste my time doing all this, they shouldn't be charging me a fees as I am doing all the things which I am supposed to do.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Hi, Wells Fargo bank is going to close my bank account before XX/XX/2018, however, they did not imply why they are closing, so I tried to contact them on the phone, but the representative did not know the reason why this action happened either, they just saying " I'm sorry sir, we don't know the reason, and you can not open another account in Wells Fargo in the future as well, Its Bank 's decision. " I do know that I have several large deposit from overseas and in the domestic as well, but I did present my report to the bank, which the banker helps me to do it in Wells Fargo branch. And the funds from overseas, they are all comes from reliable sources. In the conclusion, I just want to figure it out why the bank is going to close my account, and I am not going to be tight-lipped until this situation get correct.