davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

Similar to my last complaint, I am being actively refused transparency by Navient. On XX/XX/2020 I called to provide financial information for my enrollment in their Rate Reduction Program. This information did not differ from the information provided previously that maintained my eligibility for the program. I am not sure I actually provided this information, and Navient has told me two lies thus far about why I was denied : the first, when I asked on the first phone call, was that it had to do with my XXXX  score. I was told this by two employees, including a supervisor. That was false. Upon submitting my former complaint, I was then sent four documents ( attached ) stating that it was a failure on my part to comply with terms and conditions, which as stated to me entailed on time payments every month, which I provided. This claim was demonstrably false. I was contacted by a Customer Advocate who has sent me multiple documents ( attached ), all of which contain conflicting information about what information was provided initially, why I was denied, and apologies about their lies which ultimately amount to Navient saying whoopsie daisy about providing me blatantly false information in lieu of answering my questions truthfully. 

Now, they refuse to provide me the audio of the initial phone call so that I XXXX make certain that their claim of me having provided them the financial information ( prior to XX/XX/2020 when I emailed in a paper copy of it for review ) is true. I may be  misremembering that conversation and I dont see any reason why, if I am, the audio should be kept from me. After being lied to and sent in circles multiple times, you can imagine why I might not have faith that theyre telling me the truth. 

Finally, my initial question remains unanswered and I have been cause undue XXXX  and XXXX  by their inability to practice their business ethically. I still have not been told how and why it is that the same information that kept me in the program has suddenly pivoted to ejecting me from it. It doesnt make sense to me, and I have a feeling they know very well that it doesnt otherwise I dont know why they would lie to me this way. I can accept that they have decided to stop offering me the program - conveniently during a federal student loan payment and interest freeze which has resulted in the loss of revenue from interest and fees. Ultimately, the problem isnt that I was removed at this point, its the lies and deliberately misleading information I have been given and the information that is deliberately being omitted. There isnt a lot I can do about the ethics of a fundamentally unethical system that exploits students, but I can than demand better by advocating for myself and refusing to accept lies, non-answers, and evasion tactics designed to confuse me. 

I have attached copies of the documents I have been sent by XXXX XXXX and by Navient.
Consumer complaint received 2020-10-12
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. (LA)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX  I Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-07
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: Conn's, Inc. (TX)

Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-10-13
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. (FL)

After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this deleted from my credit report
Consumer complaint received 2020-10-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (DE)

This is my second complaint against National Credit Adjusters ( NCA ) collection agency. They have been reporting inaccurate information for two collection accounts on all three of my credit reports for over two years. Both of the original creditors have agreed to remove the accounts from my credit reports and recommended that NCA do the same. However, as of today, both collection accounts are still reporting inaccurate information. When I was contacted by NCA about the first account ( RSVP loans ) in XXXX, I immediately started a payment arrangement. A few months later the representative that I was working with ( I believe her name was XXXX ) called to tell me they had another account in their office ( Rise loans ). She assured me that as long as I paid my payments on time neither would report to the credit reporting agencies. To my dismay, both were reported to the credit reporting agencies after the payment arrangements were paid off. 
I filed a complaint almost two years ago in XX/XX/XXXX and the NCA response stated that they would not remove anything from my credit reports if I had questions I could call the director of operations ( XXXX XXXX ) for any additional questions. I immediately called and left several messages with no return phone calls from XXXX XXXX. Instead I received a phone call from a NCA representative who repeated that they do not set up pay for deletion agreements. This is false. I have been trying to purchase a home for the last two years and haven't been able to because of these two collection accounts that are scheduled to stain my report for another 5 years minimum. I want NCA to research my account to see that agreements were made, the information that is being reported is in accurate and fix this by no longer updating this account that was supposed to be removed almost two years ago.
Consumer complaint received 2020-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK (OH)

Since XX/XX/2019, I receive monthly calls from Discover student loans about past due amounts. I have 4 loans. I make the payments and their computer system does not allocate the payments correctly. Often it overlooks the big loan and over allocates to the smaller loan. For over a year now, I have to call because they will not act on email or letter, and it wastes between 40-65 minutes of my time to get it reallocated. I get phone messages and hang ups from this company all the time. I was told that unless I signed up for direct withdrawal from my account, I would have to go through this every month. Finally after over a year, an associated stated that if I made 4 payments with separate numbers, that would fix the problem. I have done this. In the meantime, they are still showing an overdue balance that is not right as, once again, the previous month one payment was made and it was misallocated. For over a year and countless hours with harassing calls, I am at my wits end. I feel coerced in that they want control over my account and they waste my time every month to fix their computer error. I told them this was bad business practice and coercion. This can not continue and so I am filing a report. With all their bad business practices, they even compromised my credit score.
Consumer complaint received 2020-10-13
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. (TX)

I filled FOUR dispute with Equifax over inquiries that do not belong to me. I have submitted police report, FTC reports and notarized statements, including formal disputes through Equifax and they will not remove these inquiries. My profile has been flagged with having identity theft since XX/XX/2014 and all of these inquires occurred after that date while my account was locked. The last dispute i received a autoresponder message from Equifax informing me of how long inquiries stay on my report. The inquiries do not belong to me.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I formally requested for XXXX/XXXX # XXXX to remove this fraudulent account wich is not mine and the result of Identity theft, i have provided then with all documentation of th illegality of the same account
Consumer complaint received 2020-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (FL)

Hi BMW ; I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting now completely incorrect, incomplete and unverified. I had the opportunity to talk to several lawmakers and friends and learned some basic laws in regard to voluntary or repossession of a vehicle. Under the laws of my states & UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volunteer Mortgage Loan Servicing (TN)

I was having trouble making a payment online for my mortgage with Volunteer Mortgage Loan Servicing. I spoke with the company and discovered the problem. They instructed me to call a certain number to make the payment, this was on the last day of the month, and they informed me the payment would not be reported as late or negatively affect my credit score. This was for XX/XX/XXXXorXX/XX/2020. It was reported late anyway. I spoke with Volunteer Mortgage and they instructed me to file a dispute with the credit bureaus in order to get the information corrected.
Consumer complaint received 2020-10-12
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. (FL)

I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Discover company closed my credit card due to inactivity.

The account was in good standing and with around {$15000.00} credit line. 
The account was in active since XXXX XXXX. There was not even a single late or missed payment.

Due to the Pandemic, I paid out my pending balances in XX/XX/XXXX and since then kept this credit card as my emergency credit card in case I need to.

I logged in every month into my online portal and it showed me an available credit of {$15000.00}. This was a huge relief for my fami

ly of XXXX kids. However today when i contacted Discover
to reissue new cards for my account, i was startled and shocked to know that they closed my account due to inactivity. Obviously we were using my other credit cards to keep our expenses low during this  pandemic. 
Within 6 months of inactivity during this Pandemic, Discover deactivated my account. 

The fact that i called discover a couple of times, and logged into the online account did not count as activity. Even today when i log in, it shows a credit balance of $ XXXX which leads me to believe my account is active. 

Building a credit to $ XXXX o

n a credit card was a big thing and i was really looking forward to having this account active. Spoke to multiple people in Discover and they all denied reactivating the account and recommended me to open a new account, which would obviously not give me the same credit line that i had.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

On XXXX XXXX, I saw and adverstisment from HSBC for opening an HSBC Premier Checking and get Up To {$700.00} Bonus payable at 3 % of the direct deposit up to XXXX each month for 6 months. 
I then clicked on the promotion page, and I applied with application ID : HSBC Bank USA, N.A.  account application Application ID XXXX I received this : Were writing to let you know your application for a new HSBC Premier checking account was declined because were unable to verify credit references ( XXXX XXXX ). 
I then contacted the bank. I was told to unfreeze my account, and they will fix it. I was told that I would be eligible for the promotion as long as I meet the requirement. 
I then follow the same instruction and link after removing freeze from my account. With the customer service help, I got a new application ID : New HSBC Bank USA, N.A. account application Application ID XXXX. 
After 4 days, I received an email with : Welcome to HSBC Bank USA, N.A. Your online application to open a new HSBC Premier checking account has been approved. 
I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. They confirmed my application and promotion. I waited for the time frame required to get the promotion, and I didn't see it. I call the bank on XX/XX/XXXX, XXXX XXXX  OUT ( XXXX ) XXXX. I asked why I have not received my bonus offer. The customer service rep told me that he looked at my account, and usually, I should have received it in the 4th months after opening my account, but he will submit a ticket. I called today, and I was told that after reviewing the account. I am not getting paid base on the bank internal policy. this is outrageous because I follow all instructions, and I had customer service help me with the application. I was also told multiple times that I was eligible, and I need to wait. Now I am told no.
Consumer complaint received 2020-10-13
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. (IL)

XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX  XXXX CO is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX
Consumer complaint received 2020-10-12
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: LEXISNEXIS (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (MI)

Received a phone call claiming to be GM Financial alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from GM Financial. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped XXXX points? I talked with GM Financial today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
Consumer complaint received 2020-10-12
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: CORELOGIC INC (FL)

I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.
Consumer complaint received 2023-06-11
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/2023, I obtained a car insurance quote from XXXX  online thru XXXX Within a few minutes I was dissatisfied with the new Police and called XXXX  to cancel it. The XXXX Car Insurance Policy effective date would have started on XX/XX/2023. Since my current XXXX Policy was due to expire on XX/XX/2023. 
I contacted the Apple Card - card I used to make the payment in full of {$510.00} and they started a dispute on the charge. 
As of today, Apple Card is holding the {$510.00} against my credit balance and XXXX has informed me that they never received the {$510.00} because the payment was declined by Apple Card on XX/XX/2023. 
Apple Card sustains that XXXX received the payment of {$510.00} on XX/XX/2023.
Consumer complaint received 2020-10-13
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: CITIBANK, N.A. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Filed a dispute with Credit Bureau stating that I never had a CONTRACT with the negative information that is listed on my credit report. The Credit stated that they verified the debt was mine. How could you verify something is mine when IT IS NOT MINE. 


I want Equifax to delete that negative information that is being reported for XXXX. 
XXXX is the 4th collection agency that have tried to place negative information on my credit report. I DO NOT have a CONTRACT with them, never had a CONTRACT with them and Equifax is being neglect because there is no way that they could have verified that when I never had an account with XXXX.