davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Have disputed two of five loans due to fraud by XXXX formerly XXXX XXXX XXXX. 
Navient associates have refused to look into my claim. Refuse to have me speak with a superior. Have refused to provide information about my loans to me. I have requested a copy of the alleged disbursed checks to see who has signed for them since I know I did not. The associates refused to assist me and told me to call back. 

I have called the Student Aid federal loan Ombudsman department to only be directed back to Navient. 

Apparently, there is a big scam or fraudulent activity being conducted by Navient and the U.S. department of Education. I would like to join in on a class action law suit since I have supporting documents. 

Two loans totalling {$4000.00} were allegedly taken out four days prior to me finishing my program. These loans were taken out by fraud. The school has been shut down since the State of California has found them to be in multiple violations of the laws.
Consumer complaint received 2019-12-24
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: Credence Resource Management, LLC (IL)

We have contacted XXXX, as well as multiple collection agencies numerous times to clear up an erroneous derogatory credit report. 

All supporting documents, including a " paid in full '' statement, and a chat transcript with XXXX customer service clearly supporting our assertions, have been provided to XXXX, XXXX, CRM, etc. 

The collection agency ( the most current collection agency is called CRM a/k/a Credit Resource Management ) is refusing to remove the error. XXXX refuses to remove the error, claiming that the collection agency has " certified '' that the debt is valid. Yet, even though we have provided original copies of our account being satisfied, XXXX   has chosen to ignore all of our documentation showing a {$0.00} balance, closed, Paid-in-Full account. 

CRM  a/k/a Credit Resource Management Contact Info : Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Furthermore, and most problematic is that XXXX is repeatedly selling this " debt '' to successive collection agencies. This has lead to consistent and multiple copies of this " debt '' being reported to XXXX ( XXXX is the ONLY reporting agency that has refused to remove the error ). 

Below is a copy of the latest message sent to XXXX via their online portal. XXXX   has acknowledged receipt of all my correspondence. 

I hope you can assist with this matter. 

Thank you. 
-- -- -- -- -- -- -- -- -- XXXX, The derogatory information posted by Credence Resource Manag a/k/a CRM, on my credit report is erroneous and we are demanding a thorough review of the documents that support the satisfaction of the debt as uploaded alongside this message. 

XXXX via their many credit collection agencies has posted this error at least 3 times in the past. 
Each time, we have re-submitted all the documents and each time, the report was properly removed by XXXX. 

Now comes, CRM  to post yet another derogatory filing. We anticipate that XXXX will do the right thing once again and remove the error. 

I have virtually signed and authenticated that the documents I am providing to you are valid and accurate. This should suffice as clear and proper evidence to remove the error and correct my credit report. 

Please be on notice that this issue is causing us financial harm, as we are currently unable to apply for and get financing at the appropriate and best financing terms available. If it becomes necesarry, we will open formal complaint against CRM, XXXX, XXXX, et. al. in the proper legal venue that will have jurisdiction to impose and award financial and other damages caused to me by the erroneous information shown to prospective creditors. 

I look forward to your amicable solution within 30 days before taking the necessary action.
Consumer complaint received 2019-12-24
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 disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

In late XX/XX/2019, I brought my wife 's car to ASAP XXXX in XXXX, NJ. One mechanic named XXXX, not the owner, looked at our car and said it would cost over {$3500.00} to repair it. Based on that info, we decided not to repair it. However, the owner, XXXX, told us that he could repair it for {$2600.00} and that it would run for a year or more. Based on this, we decided to go ahead with it. We picked up the car on XX/XX/19. The car wouldn't start, needed to be jumped and the check engine light was on. Within a couple days, the car was shutting down in traffic which it had NOT been doing previously. I tried several times to reach the owner. XXXX, the other mechanic, would answer and say that XXXX, the owner, wasn't there. 
Since I was unable to reach the owner, I filed a dispute with TD bank credit card services since I used my TD credit card to pay. Even though the merchant NEVER even responded to TD credit card 's dispute department, TD came up with an illogical reason to only credit me for {$400.00} of the {$2600.00} dispute. 
I don't understand why a full refund was not awarded when the merchant did not even provide any explanation or response of any kind. All of my research suggests that visa protects the consumer in cases such as this yet TD bank refuses to do so.
Consumer complaint received 2019-09-11
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

Navient representative contacted a family member of mine and disclosed to them the nature of the debt. This family member does not live with me, they are not a cosigner but rather just a reference. My family member did not ask the nature of the debt. Navient volunteered that personal information.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

Good morning, On XX/XX/XXXX we bought 4 airplane tickets for a trip to XXXX for XX/XX/XXXX but we were given 3 tickets + XXXX infant on lap ticket. 
XX/XX/XXXX - XX/XX/XXXX : we have tried to fix this issue with the travel website to no avail ( proof phone records and multiple emails ). 
XX/XX/XXXX : we wanted to dispute the charge and XXXX, one of the Chase employees told us to travel like this and then dispute. 
We had asked the travel website about canceling and we were told we had to submit certain paperwork. We DID NOT submit any cancellation paperwork XX/XX/XXXX : we faxed in our dispute and the documents proving we were not going to receive the 4th ticket. 
End of XX/XX/XXXX : we bought new tickets with a different company XX/XX/XXXX : travel website sent email they are willing to work with us and admit their error if we do not dispute the charge XX/XX/XXXX : credit card company requested us to fill out forms and reply to the documents sent by the travel website. One of the forms asked if we had cancelled the tickets. We said yes, since on XX/XX/XXXX we had replied to the travel website that we will not be using their tickets. We have never submitted the required paperwork for cancellation. We have also provided the email with the travel website admitting we were given 3 tickets + infant instead of 4. 

XX/XX/XXXX XXXX, Chase customer service representative told us we can't dispute the charge since the travel website was willing to work with us a few days prior to your departure date. He also said that 3/ 4 tickets were correct therefore the purchase was correct. How long should we have waited for the travel agency to fix this? They only acknowledged their error 6 days prior to our trip and even then we had no guarantees. XXXX said we had only contacted the travel website once even though we had provided 4 emails already to Chse. After the phone conversation we sent the credit company multiple other emails showing our prior attempts at reconciling this. 
XX/XX/XXXX the charge was reinstated with the explanation that we had cancelled the tickets even though the tickets were non-refundable. We have replied that we disputed the charge because we had paid for 4 tickets but had only gotten 3 and XXXX lap infant ticket. We had never filled out the cancellation paperwork and asked the credit company to provide a valid explanation as to why the charge was reinstated.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to XXXX XXXX XXXX Immediately. 

Update XXXX XXXX to XXXX XXXX XXXX XXXX because of multiple inaccuracies. 1. In the " Payment Sections '' of the listings. XXXX and TransUnion is reporting that I was late 120 days. However XXXX is reporting that I am 180 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and TransUnion is reporting ( XX/XX/XXXX. ) as my last payment. However XXXX is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX  and XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However TransUnion is reporting ( XX/XX/XXXX. ) as of the date the account was opened. Who did you get these dates from? These dates are inconsistent. Don't you get your information from the same company? 4. Additionally, this is a closed account will activity still reporting on it as of XX/XX/XXXX And I understand that any one inaccuracy reporting on my account makes the entire account invaild and must be deleted. I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Update to account to paid as agreed/never late. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX TX, XXXX DOB:XX/XX/XXXX SSN # :XXXX
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

SEEMS EXPERIAN IS UP TO THEIR OLD TRICKS AGAIN BY PUTTING FALSE STATEMENTS, FREEZES AND ALERTS ON MY CREDIT REPORT. 

THEY PUT THIS ON MY FILE WITHOUT MY PERMISSION AND I AM DEMANDING THAT IT BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THEM TO PUT THIS ON MY REPORT AND IT BETTER BE REMOVED IMMEDIATELY. 

Statements Personal Statement ( s ) 26 & XX/XX/XXXX XXXX ID  SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. 

LIARS IS WHAT THIS GROUP OF PEOPLE ARE. FICTIOUS LIARS THAT ABUSE PEOPLES FILES.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXX XXXX  account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process.
Consumer complaint received 2019-09-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Seterus, Inc. has been our loan service for years. We have not missed a payment which I can document with cancelled checks, bank statements and the Seterus website to show we have made the payments every month since XX/XX/XXXX. XXXX claims we went delinquent for the months of XXXX. and  XX/XX/XXXX even though I have the bank statements showing the payments. Seterus then claims we did not make payments for XXXX, XXXX, XX/XX/XXXX, yet we have the bank statements to disprove that. They have threatened us with foreclosure. They have falsely reported us as late with the credit bureaus severely damaging our credit scores. 
I have written them about this issue and they refuse to cooperate claiming their records are correct. All of my records disprove their false assertions, yet they continue to report us as late. I have sent them a letter documenting every payment in question. We have been notified they transferred our account to Nationstar Mortgage, dba Mr. Cooper. We have not resolved our issue with Seterus, therefore, it appears it will carry over to Mr. Cooper.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (FL)

Company : XXXX XXXX XXXX XXXX Contract them to install a Fire Alarm ( XX/XX/2017 ) charged {$3800.00} which was paid as agree. 
They stayed at the contract that Monitoring is mandatory by the Fire Marshall and was charged every three month for {$170.00} and it was needed when the Fire Marshall come to do the test to pass inspection ( Opening my Business ) I was not sure by the moment if was true what they were saying, after the first three month first bill arrived, paid and call Mr XXXX at XXXX XXXX to cancel my Monitoring because I could not afford it, they repeated the same, we may have to report you to the Fire Marshall office because is mandatory, again told go ahead and do it. 
Contacted Fire Marshall office to clarify the issue they told me in an email that my Fire Alarm does not need monitoring. Called Again to XXXX XXXX office talked to Ms XXXX and reassured my account was cancel. They never cancelled and kept sending on purpose to collect later. After all this time they called a month ago collecting me {$1200.00} due, explained with names and dates that my account was cancel with Mr XXXX and they didnt say a word, now they i received a collection letter and calls threatening to take me to court. This illegal practice they doing is not only against me if not with so many other XXXX.
Consumer complaint received 2019-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Please review the credit reporting for my alleged account. This account was charged off and is still reporting monthly as a late payment. Thats in direct violation of the law. After 180 days of non payment this was charged off. Every month you state non payment. Can u provide proof that this is in conjunction with the FCRA. 

Ive been fighting this account for years and at this point can you remove it completely from my reports. It due come come off in less then 6 months. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX esq
Consumer complaint received 2019-09-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau (CA)

Was informed of a judgement on my credit report for a debt that was return of on a car which was found defective within 3 weeks of purchase from a auto dealer named XXXX XXXX -the engine froze on a XXXX XXXX XXXX in XXXX. In XXXX on XX/XX/XXXX Butte County Collections Bureau a collections agency bought the paper from XXXX XXXX which went out of business. They have never contacted me, XX/XX/XXXX I was informed by FINRA -Financial Industry Regulatory Authority , that they have continued to file judgments against me in XXXX and XXXX without notice or contact about court dates. I have spoken to them only to receive documentation of the judgement. This communication took place on XX/XX/XXXX. When I inquired in to the statutes of limitations in the State of California I was informed that it is 4 years. The case number is # XXXX XXXX filed in Butte County Superior Courthouse. This collection company continues to file every 10 years, and never contacts or informs you of the court dates to dispute the judgement. 
You may contact me on my cell # XXXX XXXX, or work number XXXX XXXX and/or email of XXXX or XXXX Thank you for your time.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (TN)

I do owe a medical debt. Everest Receivable Services sought the debt out and it is in collections. This I do understand. I am willing to make my first payment in XX/XX/XXXX but this is not good enough for them. They want a payment right now. I didnt even know I owed this debt until last week. They did try to do a settlement which I appreciated but they were VERY RUDE when I explained that I couldnt pay anything until XX/XX/XXXX  XXXX I think his name was. Said Well Im sure you can find some money somewhere. He also said You dont get to make that decision anymore you need to pay something right now. He preceded to scream at me over the phone and upset me very badly. He called me today again and I again preceded to tell him I can not make a payment until XX/XX/XXXX and he said No you dont get to negotiate that you need to make a payment now. He began to get very rude again and I reminded him that he was the one that was rude last week and he offered no apology or anything. He preceded to throw it all back in my face. I am a single mom and I am having a lot of health problems and I explained that this to him. I live with my parents and he said that well since your living with your parents you should have some extra money somewhere. 

I am very upset by all of this. I barely make ends meet. I cant just make money magically appear. This has me very shaken. This company uses intimidation tactics to talk to their clients. 

XXXX is an absolute bully and is terrifying to talk to and has made me cry twice! 

My XXXX year old daughter was around for both of these conversations and it upset her terribly. No one should be yelled at and treated like this!
Consumer complaint received 2019-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waterfall Revenue Group (NJ)

How can this medical bill show up on my credit report when I have been paying XXXX XXXX XXXX all along? This is not fair. this needs to be removed as I am in the process of purchasing a home and this showed up.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (NC)

I received a bill from Credence Collection stating that I owe XXXX XXXX XXXX XXXX {$140.00}. That is not possible. Why? Because I returned all equipment to XXXX XXXX XXXX and I even received a VISA giftcard for approximately {$140.00} for amounts overpaid. 

I disputed the amount with Credence and sent them a certified letter with copies of my last XXXX XXXX XXXX bill which showed that I did not owe XXXX XXXX XXXX any money and that XXXX XXXX XXXX showed that I had a credit balance. 

I received a letter in the mail today that was dated XX/XX/XXXX by Credence. The letter states that XXXX XXXX XXXX verified that my charges are valid. I need someone to get to the bottom of this a fix this problem. Apparently, there is a lack of communication between Credence and the original creditor and Im the one who has to deal with the headache of potentially having my credit damaged for an account that I do not owe. 

On XX/XX/XXXX, I received a bill for {$300.00}. On XX/XX/XXXX, I received a bill for {$140.00}. Why two different amounts all of a sudden?