davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

When i applied for med insure it was asured that it was hoing to get write-off The my XXXX account. Number and info so here it is it is critical i get this solve cus its affecting my credit score and were in proceds off pushasing my first home before my lease its up here. 
XXXX XXXX XXXX XXXX. Effective XXXX XXXX 2016 XXXX health plan XXXX XXXX social worker contact phone its XXXX worker id num its XXXX id number XXXX id XXXX Case XXXX XXXX so please fix this my number its XXXX thanks.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I have requested for fraudulent inquires on my credit report to be disputed in which Equifax has refused to dispute. Here is a letter from one of the fraudulent inquiries which was XXXX XXXX. XXXX XXXX has provided a letter to remove the fraudulent inquiries to the credit bureaus and Equifax has not deleted the fraudulent inquiry.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

Hello, A subscriber to Equifax, XXXX or XXXX Loan Servicing, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX ( XXXX XXXX XXXX v. XXXX, et al.XXXX, XXXX New Hampshire XXXX, No. XXXX, and XXXX v. XXXX ). 

I ask Equifax that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing ran my credit report without my permission. I have never heard of Convergent Outsourcing before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Convergent Outsourcing.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (KY)

I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.
Consumer complaint received 2015-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NV)

I keep getting calls, including XXXX this Saturday morning, XXXX/XXXX/2015, at XXXX., from ( XXXX ) XXXX, a company called Naviant (? ). I have the same first name, but a different last name, different address, and different date of birth. I have never borrowed from the company and, even so, I am not behind on any payments to anyone. I have told them all of this, and they still keep calling. In any event, I thought they could not call before XXXX I want them to stop calling me -- I am not the right person!.
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

My student loans have been transferred from XXXX XXXX to Navient. After this change occurred, it is no longer possible to set up an automatic debit greater than the minimum required payment. This capability was available before the change. 
This clearly puts additional burden on anyone attempting to pay off their loans ahead of schedule, as manual payments would be necessary on a monthly basis to achieve the same effect. Further, it works to the benefit of Navient if their debtors have difficulty making payments greater than the minimum, as it makes it more likely they will be able to collect additional interest. 
Therefore, I am submitting the formal complaint that Navient has effectively changed the terms of my loan repayment without my consent, and unfairly increased the burden on their debtors to their financial advantage.
Consumer complaint received 2015-08-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.
Consumer complaint received 2016-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I have been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CA)

I have returned items purchased on OldNavy.COM and paid for with the OldNavy Credit Card back in XXXX XXXX. It is now XXXX of XXXX and I am still being charged for the items purchased and returned and authorized to return by their company. I have contacted OldNavy multiple times to no avail and bad customer service, to escalating this to opening a dispute with the OldNavy Credit Card, to no avail. I am still being charged interest, late fees ( now ), and the balance for items return of about {$120.00} more than 6 months ago. They are stealing from me and going to damage my perfect credit if they do not fix this once and for all. I have called both the company and credit card issuer multiple times, and sent in documentation MULTIPLE TIMES to recieve notices in the mail that they closed the dispute or made a mistake and reopened the dispute. Then the website warehouse claims to not have received my return, but then they said they returned my return to me after authorizing it an acceptable return, and I have no package and no items and I 'm still paying for this horrendous experience. Please get my money refunded and place this company on a watch list. This is over SIX MONTHS and 22 phone calls and being treated like GARBAGE by their employees.
Consumer complaint received 2016-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX, one of Navient 's agent had me complete and file the wrong documents to apply for unemployment deferment. Instead she had me submit a forbearance and did not inform me of what can incurre on my loan during forbearance. I was just told that I will not be charged any interest while in deferment and that I will restart my payments in XXXX XXXX. My application was accepted XX/XX/XXXX and I was on what I thought to be a deferment. From XXXX XXXX to present ( XXXX XXXX ) I have been charged {$83.00} on each individual loan that I have consolidated under Navient Corporation and it has racked up to XXXX and my repayment date has changed to XXXX XXXX, XXXX but I am still receiving documents stating that I do n't have to pay until XXXX XXXX, XXXX. The agent and the supervisor I spoken to another agent and a supervisor over the phone and they could not explain to me why this was affecting my credit score, why I am being charged interest on a Federal subsidize loan and when I am actually supposed to start repayment. I was told that there was nothing they can do for the mistake that their agent has made and that I was advise to pay the Interes now so that it will stop incurring on my loans. I was also told that if I do n't pay the interest it will be capitalized on my current loan and will continue to incurre on my individual loans on top of the federal interest rate. I tried to look up all the documents that I have submitted online to Navient and was also advised that the documents can always be viewed there. But I found nothing of my submissions to be viewable, only letters sent by Navient Corporation was viewable so I ca n't fight the dispute.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FACTUAL DATA CORP. (WV)

I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.
Consumer complaint received 2015-07-22
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on
Consumer complaint received 2015-10-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.
Consumer complaint received 2023-08-21
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. (MS)

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.

has violated my rights. Or list of inquiries 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 a 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 2016-06-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UMB FINANCIAL CORPORATION (NC)

This is the newest bank scam being perpetrated against Americans across the country. I 've had my XXXX account with XXXX now for over 15 years. Recently my son stole XXXX of my checks from my checking account with XXXX over a 2 month period. The checks totaled over {$1800.00} and all were documented. I 've been involved in transit living now over a year due to an electrical fire at my home back in XXXX XXXX. It has been a XXXX experience with my being a XXXX senior. 
Most days I 'm very busy remembering and recording the losses for XXXX and the claims process. I failed to audit my checking account with XXXX until XXXX XXXX and noticed the fraudulent entries by my son. As soon as I did I took him directly to the XXXX XXXX Police Department thinking they would arrest him. Because of his age at that time and him being a minor, they could n't arrest him. After filing the police report, I was informed they would contact the XXXX for a hearing. I contacted XXXX immediately after filing the report. 
A XXXX could plainly see that these were'nt my signatures ; they were printed. XXXX stalled the process as long as they could, continuously requesting the same documents that had already been sent to them. This went back and forth for weeks if not a month. I knew in my XXXX exactly what they were doing. They were attempting to frustrate me to the point of giving up which I 'm sure has been the case many times before. 
Sure enough when the claim was presented to UMB bank, they denied it because " it was n't presented in a timely fashion. I 've been down with the flu is why I 've taken so long getting this complaint to you. Please help me, I want my money. This is the reason for the FDIC, these funds are insured against theft and fraud. My question is who is going to insure me against the criminals UMB and XXXX ; clearly there 's collusion between the XXXX. This happened for XXXX reasons ; first I 'm a senior ( XXXX XXXX XXXX ) and I also happen to be XXXX.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Consumer Finance Protection Bureau XXXX XXXX, XXXX Please file this formal complaint against : First National Bank of Omaha XXXX, XXXX XXXX Consumer Finance Protection Bureau Specialists, Please consider this a formal complaint against First National Bank of Omaha ( FNBO ) XXXX Credit Card Program. 

I have attached screen prints of my online account ( XXXX ending in XXXX ) to support this complaint. 

In XXXX XXXX, FNBO stated my minimum payment due on XXXX XXXX, XXXX, was {$320.00}. Since I was going to be traveling, I submitted the XXXX payment early. I made XXXX payments of {$160.00}. XXXX on XXXX XXXX, and and the other, on XXXX XXXX, to keep my account current. FNBO accepted the payments, and showed my account not only as current, but with XXXX amount due for XXXX XXXX, XXXX. ( Please refer to attached FNBO account documents ) On XXXX XXXX, XXXX, I reviewed my account online, and was surprised to discover FNBO showed my account in arrears, and delinquent for XXXX XXXX. A warning banner appeared for my account, along with a late fee, and a {$410.00} mininum payment due XXXX XXXX, XXXX. FNBO also severely damaged my credit profile by reporting my account as delinquent to the major credit bureaus. I submitted the {$410.00} payment on exactly XXXX XXXX, and my account is current. 

It appears FNBO 's payment processors will not credit any minimum acceptable payments made in advance of the due date. These early payments are posted as made, but not credited towards the future payment due date. 


Until FNBO resolves this erroneous payment processing, I am not submitting anymore early payments. This also had occurred previously in the month of XXXX XXXX, but I was unable to download my account information because FNBO listed my prior payments as " unavailable. '' I am requesting for FNBO to immediately remove their delinquency listing from my consumer credit report and, to refund my XXXX XXXX, XXXX payment of {$410.00}, Hopefully this letter and my attached documents will assist other consumers who are also having their payments not properly posted. 

Please give this matter your most direct and expeditious attention.