davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ND)

I went through a Chapter XXXX bankruptcy in XXXX. In XXXX the bankruptcy was reopened in regards to my student loans. A settlement was reached with Sallie Mae in which I would pay {$260.00} a month at 3 % interest for 30 years. I started sending the money. Sallie Mae would cash the checks and then refund the money to me. I would send more, they would send it back. My lawyer contacted their lawyer and was told the problem was fixed. I would send them money, they would send it back ( I have bank statements to back this up ).  After over a year I stopped sending money to force them to contact me so we could settle the issue. They never did. Ten years later in XX/XX/XXXX I received a letter from Navient that my forbearance was approved and that payments would start in XX/XX/XXXX, however I now owe {$130000.00}, {$880.00} a month for 30 years. I sent a letter with a copy of the court order stating what I owed and the terms and they replied that they had no idea about the court order, that I had not made any payments since XXXX, and that I still owe {$130000.00}. 
I never asked for a forbearance, especially one that lasted ten years. I was never notified of the change in address to forward payments when Sallie Mae switched to Navient. They have not been able to explain why the loans were in " hibernation '' for ten years. Sallie Mae never accepted any of my money after the court order. How can they sit on a loan for ten years, double the amount, after the affair was settled in Federal Court?
Consumer complaint received 2018-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (TX)

I have become aware - through a credit reporting agency - that Mid South Adjustments out of Arkansas is trying to collect a debt, ostensibly from someone named XXXX XXXX XXXX. I don't know these people and certainly don't owe them any money.
Consumer complaint received 2018-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I am a victim of identity theft and upon reviewing my credit file I have become aware of an account held by XXXX XXXX that is a direct result of identity theft. I have never had any dealings with Convergent or the company XXXX that they represent. An amount of {$1300.00} that is listed on my account does not belong to me it is fraud. I have contacted Convergent credit regarding the account IN THE AMOUNT OF {$1300.00}, 4 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with convergent or XXXX whom they represent. This account is a result of identity theft.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2018-09-25
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had to chose something to move forward. Select portfolio does not call before XXXX XXXX. This morning they called at XXXX. Again Select Portfolio is playing games. This is not a revolving credit account. They are a debt collector for my 2nd mortgage.They have a call center in XXXX XXXX XXXX with employees that give wrong or misleading information. Their Loss mitigation department responded to you with inaccurate information. I received a letter dated XX/XX/XXXX asking for even more documents ( the list keeps growing ). In addition to their response to CFPB they now want pay stubs ( which I have none as I'm unemployed and have already sent the my bank statements and letters from the Ga. Department of labor ) ; and a letter from my homeowners association showing what I have paid and the frequency of my payments and schedule XXXX from my tax return for XX/XX/XXXX. The loss mitigation department did not address the fact that their call center employees tell me things that are inaccurate and misleading. Obviously they don't care about the CFPB otherwise they would have clearly spelled out what was needed when they responded to my prior complaint with you.
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

NOTE : This is a problem with XXXX, but I'm going to briefly summarize the details of the account that I'm disputing with them. 

-- ACCOUNT BACKSTORY -- In XX/XX/XXXX, I signed up for a Wells Fargo " Student '' Visa credit card. I used the card normally for three years. 

In XX/XX/XXXX, I paid - in full - the balance on that card. I was moving out of the country, so I put the card in a safe place and stopped using it. 

By XX/XX/XXXX, Wells Fargo had charged that card with some unauthorized service fees ( not found in our contract or any disclosure made to me ). It was a small amount, maybe {$25.00}, but enough for Wells Fargo to raise my APR to the maximum allowed and charge compounding interest. I became aware of this in early XXXX when I finally got an email notice that my card was " over limit '' - about {$3000.00}. 

I contacted Wells Fargo and explained the situation. I asked them to remove their original charge and the subsequent interest. They were unwilling to do so, and maintained that I needed to pay " my balance ''. I refused and closed all accounts with them. 

By XXXX, Wells Fargo marked the account as delinquent. I entered a 6 month contract with a credit repair service company called XXXX XXXX XXXX, XXXX. They were able to dispute the validity of the charge, and Wells Fargo ultimately charged off the account as a loss, adding a deragotory mark to my credit report with all three bureaus. I was assured by XXXX XXXX XXXX that this was a " good outcome '', and didn't challenge it. It affected my credit for years, taking me from the 700s down to about XXXX. 

-- CURRENT DAY -- Presently, the deragatory mark has been lifted from two of  the thre bureaus, but not XXXX. XXXX acknowledges my account as closed and charged off, but continues marking a delinquent payment every single month. They've indicated that they plan to do this until XXXX. 

Throughout XXXX, I've periodically contacted XXXX over the phone, and today signed up for an account on their website so that I could document their refusals. XXXX maintains that they're under no obligation to review my dispute, since I've " already disputed '' the information.
Consumer complaint received 2018-09-27
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. (MS)

I noticed a dismisses bankruptcy XXXX on my credit report that I did not file for via my subscription to Experian app. I submitted my first dispute to Experian on XX/XX/2018 ; on XX/XX/2018, I received notification that they alleged bankruptcy was verified. On XX/XX/2018, I submitted the second dispute and on XX/XX/2018, I recieved notification that it was verified. I recently disputed on XX/XX/2018 and on XX/XX/2018 again verified. I reached out to the bankruptcy court here and I was informed that they do not verify any information with credit bureaus or third party vendors. They also informed me that the PACER does not have access to full social security numbers. So, I know that they use several third party vendors. How is this information verified? Who verified this information? Who can testify to the accuracy of this information? Is it possible that the PACER   employee entered in information incorrectly. This is frustrating. My name is rather common. I know a few people with my exact name.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion, XXXX and XXXX. 

XXXX XXXX  {$8000.00} XXXX XXXX {$8700.00} XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX  {$8000.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX {$790.00}
Consumer complaint received 2018-09-24
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

1. Unable to deposit money into my checking account at USAA. The mobile app will not work with my phone. The web dept has downloaded/hacked into my phone with malware preventing features on my phone from functioning properly. Some of malware caused my phone to overheat and drain battery. It also destroyed some data and applications on my phone. I no longer have conference calling feature. 

2. When I made complaints on community forum, as recently as last 4 weeks ago, banking dept and web support deleted my on line complaints to censure my free speech and due rights under the Bill of Rights and Constitution that I fought for while in military. 

3. I was injured on XXXX XXXX, am 100 % XXXX and injuries are 100 % service connected. Yet USAA will not allow accommodations under ADA. Accomodations dept will not return calls nor answer my calls. 

4. Because I have been unable to make deposits to my account USAA banking has imposed several NSF charges against my account and charged hundreds of dollars in fees and refused to make accommodations even though I am a senior ( 66 years ) with documentex neurological dysfunction as part of a service connected XXXX and have memory loss. Instead of assisting me they are stealing my money and using my XXXX against me, acting as a sreet thug would preying on XXXX seniors. The CEO 's office has been directly communicated witg conerning all above issues and refused to intervene. 

5. USAA refuses to comply with California law requiring all foreign corporations to maintain a local agent for service of process so that we can bring suit in California for state law violations, including fraud, breach of contract and failure to follow banking regulatuons. USAA had destroyed my cell phone and refused to repair and process insurance claims. 

6. Banking Dept at USAA has lied to me, hung up on me, refused to accept my phone calls and deleted my online complaints about above issues even when I was trying to report stolen wallet and credit cards and fraudulent transactions.
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I made a payment online to ONE of my consolidated loans to bring that LOAN to XXXX. On Navient 's page it indicates that I was paying to Loan XXXX Consolidation. 

I paid {$40000.00} to bring the loan balance to {$0.00} before this TERRIBLE company was going to raise my payment. The company applied my large payment to both Consoliditaion XXXX and XXXX. I paid the amount to Loan XXXX and expected that loan to be at a a zero balance. I fully expect this to be reolved correctly and that Navient gets their act together and do what the CUSTOMER wishes. 

From their website : XX/XX/XXXX Payment {$40000.00}
Consumer complaint received 2018-09-24
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. (AZ)

My XXXX/XXXX Visa Credit Card is lost/stolen. The card over limit balance of {$3100.00} is all fraudulent and unauthorized transactions due to my XXXX/XXXX visa credit card being lost/stolen. The balance of {$3100.00} is all fraudulent transactions that dont belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018.
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

I'm unable to withdraw cash from my account at PNC Bank which has over {$3000.00} in funds, The account shows the balance as {$0.00} available and I'm not sure what happened to my funds. Called customer service several time they were unable to help me and they can not figure out what happened to funds in my account. This situation has caused hardship and pain. My stress levels increased resulting in XXXX XXXX XXXX. Please help.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-09-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

On XX/XX/2018, I went into a XXXX in XXXX, TN to inquire about the rates of a title loan. The customer service rep showed me that the interest rate would be 23.98 % and showed me a printed guide on how much I would be paying down every month. She really encouraged me to do the monthly option and the guide showed how much the principal would be going down with each payment. 

After I made my first payment of {$580.00} on time, I noticed the principal did not go down at all and actually increased. I looked at the statement and saw where there is a customary fee of 127.75 % APR added to the 23.98 % per billing cycle. This customary fee was not explained to me and she showed me a payback guide that had the principal going down every month.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2018-09-25
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: CL Holdings LLC (MI)

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2018-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (OH)

XXXX XXXX XXXX reports XXXX XXXX debt of {$5300.00} was opened XX/XX/XXXX and put reported on XXXX, which is closed acct # XXXX They also reported the same debt amount on XXXX , which is open acct # XXXX, but says it was opened on XX/XX/XXXX. I never opened an account with XXXX XXXX in XXXX. I opened an account with XXXX XXXX XXXX in XXXX, and a Case XXXX was filed XX/XX/XXXX. Garnishments were paid to the creditor XXXX directly via Municipal Civil Court. The amount was for {$6900.00}. I know that I was contacted at work many times with aggressive and mean representatives from XXXX, after I asked them not to call me again and to send correspondence in writing, and told them that I never got a car from XXXX XXXX in XXXX. I also know that the company is very fraudulent. I have disputed to get this false debt taken off my report many times, but was not successful. I have screen prints showing the court information. I have also contacted XXXX XXXX at XXXX, and she has been the only person that I have reached out to in regards to my accurate XXXX debt, and there are no other records of me ever purchasing another vehicle in XXXX from them.
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

On XX/XX/2018 car was traded in at XXXX in XXXX Ca and loan paid off through dealership. Volkswagen credit received payoff from XXXX then charged my credit for a 30 day late payment for the month of XX/XX/2018. I dispute late payment on my credit through XXXX  on XX/XX/2018 and XX/XX/2018 staying I was not late for the payment on XX/XX/2018 when the car was no longer in my possession. Volkswagen credit refuses to delete the negative late payment and is continuing to put me in financial hardship due to me ending my loan and lease options with them.