davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

In or around XX/XX/XXXX, my servicer, Navient, misinformed me in regards to my PSLF qualifying payments. They told me that I was in the correct loan program ( IBR ) to have my loans forgiven after 10 years. I was told I could submit my Employment Certification form at the end of 10 years and that I'd be in good shape. 

Additionally, in XX/XX/XXXX I received an email from Federal Student Aid and under the " What happens next? '' section it states : " It will take several weeks to process your form. If your employment qualifies, your loans will be transferred from your current loan servicer to XXXX XXXX. XXXX XXXX will determine how many qualifying payments you have made and will provide you with an estimated date when your loans may be forgiven. '' The part that further led me to believe I would be in good shape is the last sentence. From their wording payments made to any servicer would be counted by XXXX based on working for a qualified employer, and that I needn't fill out the form until I was hoping to have my loans forgiven. 

In XX/XX/XXXX I moved from XXXX to XXXX XXXX and decided in order to make my life easier I would have my employers in XXXX fill out the ECF. 

Navient should have informed me that I needed to have my loans transferred to XXXX, and that only after I've transferred my loan do my payments count as " qualifying payments ''. Because of their actions I made payments for more than 2 years did not count. If this is not addressed I will be required to pay thousands of dollars more towards my loan, and possibly tens of thousands more in tax liability when the loans are forgiven. I believe they gave me incorrect information as a means of keeping me as their customer.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OK)

On XXXX my wife totaled her car. My insurance first tried contacting Ally to begin the settlement on XXXX. My wife called and made a payment in XXXX, just hoping to keep everything in good standing. Whoever she spoke with at Ally, they said there should be no problems in the future. After no response, and several calls to Ally, XXXX again submitted the entire break down and total loss payment. After over a month of Ally doing nothing, it took myself, a member from XXXX and XXXX from the total loss department of Ally. Even after this, they still dragged everything out and only until XXXX did they finally accept the check from my insurance, who immediately overnight shipped it to them. 

Now the problem is that they are saying I still owe {$2200.00}. They are also posting late payments on my credit. I have been having to call them several times a week to get anything done, and it's now been over a month and their supervisor XXXX in the total loss department will not even call me back. 
When I spoke with XXXX in the total loss department back on XXXX she said my pay off was {$1500.00}. So as you can see there are multiple discrepancies and Ally is in no way making any attempt to resolve this.
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (KS)

Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again.
Consumer complaint received 2016-07-22
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (TX)

Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 
1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers
Consumer complaint received 2024-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NORTHERN HILLS COLLECTIONS INC. (SD)

XXXX XXXX ( XXXX XXXX  ) works closely with northern hills collections. And uses deceptive practices to split your debt into up 3 or 4 different accounts without your knowledge. I had made payments to my account in which I owed XXXX XXXX. Why is my debt split up and owed to different places and offices accounts ect? I was making payments while these other accounts for the same debt were split up and secreting being sent into collections with less then a year or any notification of any amount of debt goin to be sold off or moved to other places. They do this on purpose to confuse to average person like me. So in short northern hills collections would harass me and my family constantly making threats to them and their property in reference to my debt while using the XXXX XXXX police department and courts to back up and bully me and my family. XXXX XXXX also seized one of my vehicles and and then proceeded to make and ad in the paper in a city I do not live in, telling me to pick up my car. Sense XXXX dont live there and count have seen it my car was defaulted to the county. Thats was {$15000.00} car. XXXX XXXX XXXXXXXX Taken stolen for no reason. While the county covered its own tracks, they demand and try to intimate me for more and more money. The criminal charge I received and payed for had fines nowhere close to what was decided on my judgement. I more I pay this county and this company the more they try to harass lie and tell your family and friends false information as well trying to slander you. I would like to press charges and end this harassment and extortion thank you.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Back in XX/XX/2018 I requested for Experian to validate and delete the debt of a negative paid/charged off/inaccurate/closed credit card that I had with XXXX ( Account # XXXX ), ( Amount {$0.00} ). I have sent my last 4th letter to Experian on the XX/XX/2018. I have not received any copies in regards to my request. XXXX and XXXX   have deleted or updated this account on my credit report within the 30 day time frame already. My XXXX  credit score is XXXX & XXXX   credit score is XXXX. This item is negatively impacting my Experian credit score. Experian is involved with illegal business practices and is  committing fraud on various levels.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. Thank You.
Consumer complaint received 2018-10-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

During the months of XXXX to XX/XX/XXXX I was going through a very serious financial hardship where it was very difficult for me to make my payments. I was not working, I was XXXX  and trying to work with XXXX  on getting my payments figured out. They did nothing to help me and placed 4 late payments on my credit. I was so disappointed because I thought compaines would be more understanding when consumers are put in terrible financial situations. I now have a career job and a roof over my head so I am able to make all payments on time without any problems. I have been a XXXX customer since XXXX and I have never been late for a payment not until XX/XX/XXXX when I was struggling financially.
Consumer complaint received 2018-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I reported a fraud charge to capital one. On XX/XX/XXXX, the funds that were disputed were credited back, and available to use. At XXXX XXXX  on XX/XX/XXXX the disputed amount was put on a shadow hold. They are no longer available to use, but the hold does not show on my activity or statement. I was told that I can not overpay to cover the disputed amount and it was suggested to me by a fraud protection manager named XXXX that I apply for a credit increase.
Consumer complaint received 2018-10-06
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. (CA)

Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. 

This is a continuation to complaint XXXX I filed in XX/XX/2017. Navient says they have no record of my filing this directive with the company and continue to dishonor my request, even after speaking with them on the phone numerous times.
Consumer complaint received 2018-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX has placed a derogatory remark on all 3 of major credit report companies. It is a medical bill reported from XXXX  Hospital XXXX XXXX for services dated XX/XX/XXXX. The patient 's name is my adult daughter who listed me as an emergency contact, not a guarantor of her charges. I do not recall ever having signed to pay any of her bills since she reached 18 years of age. 

I have attempted to contacted the collection company, XXXX  Hospital XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None will provide me with evidence that I signed to guarantee her bills. XX/XX/2018 I spoke with XXXX XXXX 's office. Employee stated the computer listed my name as guarantor but was not able to provide me with any documents proving this. She was unwilling to remove me as guarantor. She stated that my daughter would have to have me removed. Daughter who had not been speaking to me since XX/XX/XXXX answered my text and denied she was ever aware of money owed to XXXX XXXX. After making several phone calls, daughter stated that several people told her there was no money owed. Daughter had my name removed from computer as Guarantor but no one provided her with a signature that I had ever agreed to cover her medical bills. In XX/XX/XXXX and XX/XX/XXXX I filed disputes with all 3 Credit Report Agencies. The derogatory remarks were removed only to return in XX/XX/XXXX under a different reference number. XX/XX/XXXX I received an email that XXXX  determined it was my debt. To date, no one has ever provided me with a document showing my agreement to pay my daughter 's debts. The derogatory remark remains on my credit reports. 

After several attempts to contact daughter and her husband, my husband received a text that she had already done all she could do to rectify the problem, including paying a small amount toward the debt. As they are no longer having any contact with us, we have hit a dead end.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I do have have a XXXX Bank Credit Card which i closed on XX/XX/2015 on good standing and is reported as charge-off to the credit bureau 's. So, i called all the credit bureau 's and disputed the account being charge-off as i paid all of it in good standing and closed it in a good standing with a XXXX  balance on it. 

As a result XXXX and XXXX have verified my account and they have removed the charge-off from my credit file and closed it appropriately. But, Experian did not remove it from the credit file which is seriously affecting my credit score and daily life. 

So my Experian scores are always being very low with a serious deliquency on the account which is causing me very serious problems in my daily life. 

There is always a great difference in my credit scores because this such as : My current Experian Score : XXXX My current XXXX score : XXXX My current XXXX score : XXXX As you see above there is always a 100 point difference between the scores which is a serious problem for me
Consumer complaint received 2019-05-22
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: Experian Information Solutions Inc. (AL)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX. 

The account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-06
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. (NY)

Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.
Consumer complaint received 2018-10-06
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. (NY)

Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.
Consumer complaint received 2018-10-06
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: Experian Information Solutions Inc. (NV)

My child support account # XXXX is with XXXX XXXX not XXXX XXXX XXXX. XXXX XXXX XXXX was contracted by XXXX  XXXX to collect withholding only. They do not own this account. It is a XXXX  XXXX account. ( see attached email ) XXXX  XXXX XXXX continues to report incorrect information even after a representative from XXXX  XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX  XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX  reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : EXPERIAN - XXXX   XXXX XXXX  reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX  XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX  bank will not remove it from my reports help.