davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

I attended the XXXX College of XXXX ( part of XXXX XXXX University now ). Then XXXX, now Navient, refused to release my cosigner due to a " failure '' to make " 24 consecutive principal and interest payments, in the first 24 months '' when I have proof of more than 24 on time payments in that timeframe, with the only issue being that every XXXX payment, after beginning repayment, was only applied to principal by XXXX XXXX, thus disqualifying me from ever being able to release my cosigner. This eschews the fact that also, because they had misinformed me, I was paying DOUBLE what I was required to. This was fortunate in the aspect that it got me roughly a year ahead of repayment schedule, and was a boon when my car broke down, giving me some breathing room, but it still did not favor me when trying to release my cosigner. 

Later, after my loans were handed over to Navient for servicing, they changed the qualification of my " cosigner '' to a " co-borrower '' without any sort of paperwork etc. needing a signature. Now, because of this, my student loan debt is being assessed as debt to my cosigner, and preventing them from financial pursuits such as mortgage refinancing etc. because they now appear to have significantly more debt than they so. 

Lastly, a word of caution, when I consolidated my XXXX XXXX XXXX loans into XXXX consolidation loan for easier repayment, they converted the loans from Federal loans to Private loans, thus removing my ability to act upon special federal provisions and laws that would help me. I do not recall and explanation of this change occurring, nor did myself or cosigner receive any paperwork alerting us to this VERY significant change. It was years before I saw the change reflected on the Sallie mae servicing site, and not with them being sent to Navient for servicing, I fear there are simply too many levels of convolution ( not to mention corruption ) to adequately deal with any of these issues. 

In general, my payments have always been on-time, with the only significant lapses being the end of 2015, when I eventually defaulted in XXXX. I was out of work, not even able to pick-up odd jobs, was struggling to find a job which was going to cost me more in childcare than I was going to be paid, I had already a year or so prior, cashed in any retirement funds I had, and while my wife is paid a decent wage, it was n't ( and still is n't ) sufficient for our household of XXXX to survive on. But that default lead to a year in Navient 's rate reduction program, which coupled with me finding gainful employment, has allowed me to actually afford their payments, but beginning again in XXXX, I return to the XXXX higher interest rate and a {$100.00} increase in payment. I will thus be breaking even at best each month, so no savings or hope for travel, extra retirement, new cars, new house, or really any other expense aside form the bare necessities of modern life.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Consultants, Inc. (NC)

I was called at XXXX today by Diversified Consultants about a XXXX XXXX bill of {$680.00}. This was a random call and I really did not have the time to talk, as I was busy. So, I proceeded to ask XXXX XXXX XXXX could I call her back at another time because I was busy and she proceeded with : " well, we are on the phone right now, so why do n't we go ahead and get this settled. What are you going to do about the debt? It has been in collections since XXXX! I was shocked and I told her that that was not the right way to go about the situation especially if someone tells you that they are busy and they will call back. The phone got disconnected and I called back. It was XXXX XXXX again and I asked her if she wanted to try the conversation again. She proceeded with being very rude and nasty to me again ; therefore, I asked for a manager. I was put on hold and XXXX XXXX XXXX, the Supervisor on duty, came to the phone. I expressed to him that XXXX was very rude to me and I even told him what happened ; he replied with " well I understand that, but we are on the phone and you called back so what would you like to do about this debt that has been delinquent since XXXX? '' I was appauled because the professionalism was so horribly portrayed. I could not even carry on a conversation with these people because they were haggling and being very forceful and rude to me.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OR)

I am filing a complaint against ACS Education Services for 3 reasons. 
1. My personal information was changed to another client 's information. This was unauthorized and if I had not been vigilant my personal information would have been sent to this individual. I also placed a phone call to this individual to let them know what had happened. The company failed to safe guard my confidential information and this other individual 's information. The company has offered no reparations for this error. 
2. I moved XXXX times within the month of XXXX and my mail from ACS was delayed due to these moves. I was unaware that my loans had become due as I thought I was still in my grace period ( as I am for all my other federal student loans ). Upon receipt of the information I immediately paid the amount due. ACS placed a derogatory mark on my credit report. I saved the envelops of when I received the information and the company maintains that it was not fault of theirs and they can not assist me further with my the derogatory mark, and their is nothing to be done to adjust for the error. I asked to speak with someone in the credit reporting department and they replied that the department does not make take incoming calls or make outgoing calls after I asked to have someone from that department call me. 
3. I live on the XXXX. When I made payment for the account it was on XXXX XXXX around XXXX PST. The payment did not post until XXXX XXXX due to the company 's process and the company reflects that I made payment on XXXX XXXX, instead of XXXX XXXX, the actual day I posted the payment. 
Overall, ACS has failed to safe guard personal private information of their clients and they refuse to assist customers, and have caused extremely damaging information to my credit report ( dropped by XXXX points ).
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

A collection account has been falsely reported to a credit agency by a 3rd party debt collector ( CREDENCE RESOURCE MANAGEMENT ) who has been advised that I do not own the debt and have no responsibility to them. They have no contract or agreement with me and therefore should not be reporting data about my credit worthiness to ANY credit agency. I also have a current and active account with the telecommunications company they claim to represent the debt for.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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. 

and list of Inquiries. 

XXXXXXXX XXXX XXXX XXXX XXXX 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 2020-06-11
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: TD BANK US HOLDING COMPANY (CA)

Over the course of my 75 month loan that i payed off on time every single month. I made multiple attempts to update my address and the lien holder TD Auto Finance failed to update my information and routinely sent PII to an old address. The final payment for my vehicle was not auto debited from my account as the previous 74 had been. TD Auto Finance claimed that they sent me notice of this via mail, but then admitted to failing to update my address to the correct one so I had NO WAY of knowing that it would not be automatically debited from my account. When i realized I had not been charged I contacted the company. They stated that I would not have an adverse remark placed on my credit report, which I still did. I made several unsuccessful attempts to rectify this with the lien holder, and also filed an unsuccessful credit dispute with the credit bureaus. I was only able to get it removed from XXXX.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit report.
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (OH)

On XXXX XX/XX/XXXX Mariner Finance was sent a Cease and Desist letter pursuant to the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, In that formal legal notice we requested that they cease and desist all telephone communication with us, as well as our family and friends, in relation to any and all alleged debts that they claimed we owed. 

On XX/XX/XXXX, at XXXX a phone call was received from XXXX and did not leave a message. That phone number is registered to Mariner Finance at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. As such, a Letter of Intent was sent to the organization due to their violation of the Fair Debt Collection Practices Act. 

The organization knew or should have known that the actions taken were inappropriate, failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that we were not harmed. 

Within that Letter of Intent, we requested that the alleged accounts that they were trying to collect on now be cancelled and any alleged debts be absolved by Mariner Finance, without penalty or tax burden. Additionally, we also demand the immediate and complete removal of these trade lines from our credit reports ( XXXX, XXXX, and XXXX XXXX )
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX, i was notified by XXXX XXXX of a suspicious charge that i did not make. I then checked my online banking with USAA and saw that there was a charge of {$2200.00} made at XXXX XXXX which i did not make. I immediately called USAA to report the unauthorized charge and they cancelled my card and opened an investigation. I subsequently found out upon returning to my car that my vehicle was broken into and my XXXX XXXX Credit card and my USAA Debit card was removed from my wallet. USAA temporarily refunded the amount of the charge back into my Checking account. 

On XX/XX/XXXX i received a letter from USAA informing me that the charge at XXXX XXXX was a legitimate charge and they would be recovering the {$2200.00}. After learning of this I called USAA and requested they re-open this case and i also advised them that i was the victim of a burglary as well as understanding that nobody knows my PIN #, so the fraudulent transaction at XXXX XXXX should of never went through in the first place. I am also in possession of my California Drivers License which was not taken with the XXXX cards so I dont understand how someone could make such a large purchase without presenting an ID or verifying my PIN number. 

On XX/XX/XXXX : I received another letter from USAA advising me that they have still determined I am responsible for the fraudulent use of the Debit card and will not refund my money. It should be noted that XXXX XXXX determined the charges made on that card fraudulent. Any help you can give me with this would be very much appreciated if i can provide you with any additional documents or information i would be happy to do so. 
Thank you very much XXXX XXXX
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

On XX/XX/2022, I submitted my, full, mortgage payment via the loan servicer 's client portal ( LoanCare ). On XX/XX/2022, I received an email stating my mortgage payment submitted on XX/XX/2022, was reversed. I called my loan servicer to see why my payment was reversed. The representative could not tell why my payment was reversed and advised me to contact my bank to see if there was an issue on their end. I called my bank and spoke to a representative that verified the funds were available for payment, however, there was no record of request from my loan servicer for my mortgage payment. I then called my mortgage servicer and verified my banking information on file with a customer service rep. My banking information was correct, and I resubmitted the payment again on XX/XX/2022, using my same banking account via the loan servicers website. I received another notification on XX/XX/2022, requesting a return call to my loan servicer. I called and spoke with a customer service rep and was told my payment was reversed for the second time for XX/XX/2022. I again verified my banking account information with the customer service representative from my mortgage servicer. I then submitted my payment via the live customer service representative and gave permission to debit my mortgage payment from my banking account and my payment was submitted. I received a third notification that my mortgage payment was yet again reversed. Now my mortgage payment is 30 days late, has disqualified me from completing the loan assumption process, reported late to all three CRAs, and lowered my credit score. I spoke with a manager for my lender and was advised to mail in a cashier 's check for XXXX and XXXX 's payment, give the payment time to process and submit a dispute to the mortgage servicer 's payment research department to dispute the 30 day late payment. I did exactly as I was instructed, and I got a cashier 's check the same banking account I used to submit the previous three payments. However, the mortgage servicer would not fix the late payment issue. The manager even waived the late fee because I sent documentation from my bank showing the entire amount of my mortgage payment was in the account since XX/XX/2022, and there was no changes/activity in the banking information in the month of XXXX. I believe this is unfair reporting. I submitted my payment three times and did everything possible to ensure my mortgage payment was not late. But due to their system error my mortgage payment was flagged as 30 days late for the first time since I opened this loan.
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: ACCESS GROUP INC. (FL)

I have been paying my private school loans since XX/XX/XXXX. Never late, no problems. In XX/XX/XXXX, I lost my job and entered into a graduated extended repayment schedule with Access Group. At no time did they tell me it was only for 2 years with that repayment structure. During this time, Access Group sent my loans to be serviced with XXXX. XXXX has been a disaster from the start. They took away my repayment structure telling me the time had expired. Since that time, I have been having trouble making my monthly payments because I can not afford them. I get calls on my cell telling me I 'm late and threatening to report me to the credit burue said the time. I also receive emails from access group telling me to contact them to talk about my options on repayment. I call each time I get that email and then they tell me, there are no options. I do not understand how this company rather get paid zero than try and work something out so they can get paid something. People at this point have nothing to lose by not paying their loans. We have no property and our credit scores are shot either way! I feel that access group/XXXX do not care about the millions of people that want to pay, but they refuse to work something out. I am sure that in my lifetime, the bankruptcy laws will change to have this debt dissolved, and I will probably be amongst the first to do so if access group/XXXX does not step up and work payment plans with people.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XXXX XXXX, 2022 I attempted to purchase a XXXX XXXXXXXX kitten from what I believed to be a breeder for {$850.00}, which seemed reasonable at first. Once the transaction completed, I expected to be able to pick her up, but received a notification that I would not be allowed to pick her up and that I needed to I pay an exorbitant fee, some {$1600.00}, to have her flown to me first class. That seemed wrong, but I was mourning the recent loss of our former, beloved cat and was not thinking straight ; I was also already {$850.00} into the transaction. I was told most of the payment would be refunded as part of a rental service, so I attempted to complete the transaction. It was blocked by Cash App, so I tried a few other methods, all of which were blocked, which lead the party requiring additional payment to request it in terms of XXXX or XXXX gift cards sent via XXXX XXXX. That was a resounding red flag, and I immediately contacted my bank and Cash App to recover my money. Despite many attempts to recover my money, Cash App has persistently refused to refund it claiming they are a peer-to-peer cash transfer service and not a payment service, and thus can not be held accountable for fraud on their platform. Such policies have allowed these scams to run rampant on their platform, wreaking havoc on families such as my own. {$850.00} is a significant amount of money to me. They said all I could do was request a refund from the seller, which a scammer would clearly ignore, but to play their game I requested one and was unsurprisingly rejected. Cash App has refused all further attempts to recover my money.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX XXXX XXXX for inaccuracy. The payment history is inconsistent between all 3 bureaus. How is this accurate when all data furnished should be the same? Why are there are a variation of different late payments reporting for the same account? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached credit report showing the inaccurate information.
Consumer complaint received 2017-04-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc. (FL)

It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.