davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

On the XXXX of XXXX, XXXX, I was notified by XXXX of a decline in my credit score. Upon reviewing my account, I discovered that Navient had marked my loan as 60 days overdue. I promptly contacted Navient to rectify this error, as I am no longer legally bound to repay this debt due to the protections afforded to me by the Consent Judgment issued by the state of New Jersey. Despite my explanation, Navients representatives incorrectly insisted that I was mistaken and continued to insist on repayment. 

Throughout our conversation, Navients representatives made false and misleading assertions, claiming that I was ineligible for debt relief because the loan did not meet the necessary criteria, including a lack of seven consecutive missed payments. These claims were not only untrue but also intentionally deceptive. 

According to the Final Consent Judgment, Navient committed to canceling certain private student loans, provided they met one of three specified criteria. My loan falls under Category 3, the Non-Traditional criterion, which includes loans disbursed to borrowers with a FICO score below XXXX at the time of origination for attendance at a public or private non-profit educational institution. 

At the time of my loans origination by Navient, my FICO score was indeed below XXXX, and I was enrolled in a public educational institution, thus qualifying for forgiveness. 
Moreover, Navients official disclosures state that loans are written off after 120 days of delinquency. Contrary to this policy, my credit report indicates that my loan was delinquent for seven months without being charged off. This discrepancy not only demonstrates a failure to adhere to their stated policies but also constitutes a significant misrepresentation in their financial statements regarding their charge-off timeline. 

The combination of Navients falsehoods, misleading statements, and unwarranted demands for payment constitutes a blatant breach of the Final Consent Judgment.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

I was charged a XXXX XXXX  monthly service fee starting XX/XX/XXXX. In XX/XX/XXXX, XXXX months of service fee was automatically refunded without any intervention, REFUND XXXX FEE ASSESSED IN ERROR. The account in question is Wells Fargo Goal Savings. 

Wells Fargo continued to charge $ 5 monthly service fee since then, for a total of 7 months worth. I was not aware of this fee. I received no notification. My account balance has been stable ( < {$300.00} ) since XXXX. I was not charged any service fee prior to XX/XX/XXXX. There was no change to the type of saving or checking accounts. In addition, in the XX/XX/XXXX statement I received, it clearly stated that The fee is waived this fee period because the account is linked to your eligible checking account. Please attached screenshot. This is shady business practice of sneaking in service fee without any notice, I escalated this to Wells Fargo ( case number XXXX ). I was told it will take XXXX business days to review. There is no way to immediately refund the fees. 

I would like a refund of all service fees that was charged ( total of {$35.00} ) as soon as possible. Once the service fee came to my attention, I immediately transferred additional funds to the saving account in question to satisfy the fee waiver.
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc (CO)

I've been contacting this company for almost a year now. I was almost finished with all payments and they locked me out, but they keep asking me to pay. It is now pinging negatively on my credit report. They tell me to wait for an email to verify my account so I can get it unlocked, yet I've verified over the phone more than ten times. I never recurve the email and I'm unable to review my accounts or pay. I don't think this is a credible company and believe I'm getting scammed and they are potentially taking money from my accounts anyway.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (GA)

World finance is specifically reporting to exoerian with inaccurate and incorrect statements tgat i had the company under bankruptcy when I did not never do such and XXXX refuse to do an investigation stating that I must contact the company but they are the ones that is reporting the inaccurate statements in behalf of there client but refuse to let me do a statement thats wrong and world finance refuse to return my calls and try make matters straight they have not nor is XXXX trying to make it right
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I made a mortgage payment plus an additional {$1000.00} to be applied to principal balance on XX/XX/year> to SLS. On that same date, SLS was taken over by Newrez LLC doing business as Shellpoint Mortgage Servicing. 
I contacted the customer service number and was told they had no record of the payment, but said my loan was current. I requested a payment history because it didnt appear that the full payment was applied to the account. I have followed up with two additional emails to which Ive received a general form letter stating they are working on my request,
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (IL)

Land Lord sent out request for my application for rent relief. I did all that was required from my behalf and regardless the property has placed myself as well my family under extreme distress to collect on debt that is to be covered through the program. The land lord has not communicated to me in regards to the acceptance of the program. I have communicated several times with representatives for the program and they assured me all was done and accepted on my end and all that was needed was the Land Lords acceptance. The debt is not mine. Further more there were other safety issues and dangerous occurrences on the property in which I needed to notify the police and the Land Lord did nothing to secure my safety. The Lock on my door was broken and I requested repair and the service man did nothing but laugh at me when his attempt to fix the lock was unsuccessful.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (TX)

Selene Finance is reporting " LOAN MODIFIED '' on my XXXX Credit Report, XXXX and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from Selene Finance, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent money to my family in XXXX and was overcharged because my provider hide the fees in bad exchange rates. It is essential that all Americans know the total cost of making an international transaction, including any fees, and charges and exchange rate.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC (TX)

Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XX/XX/XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  Trustee for XXXX XXXX ( was XXXX   XXXX XXXX then Nationstar ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XX/XX/XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XX/XX/XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XX/XX/XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from XXXX saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent XXXX  XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been 7 years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently reviewed my credit report and discovered the following on my credit report : Portfolio Recovery Associates Account number : XXXX In the amount of XXXX which was purchased from XXXX XXXX to your company as debt buyer Florida has several laws that regulate debt collection agencies, including the Florida Consumer Collection Practices Act ( FCCPA ) and the Florida Commercial Collection Practices Act : I never received documentation about alleged debt, according to FCCPA Protects consumers from unfair and deceptive debt collection practices. This law mirrors and supplements the federal Fair Debt Collection Practices Act ( FDCPA ), which only applies to third-party debt collectors. The FCCPA prohibits debt collectors from contacting consumers at certain times and places, such as before XXXX XXXX  or after XXXX XXXX unless the consumer agrees. It also requires debt collectors to send a written notice to consumers within five days of first contact, stating the amount owed, the name of the creditor, and what action to take if the consumer believes they don't owe the money Portfolio Recovery Assc. isnt licensed in the state Florida to collect alleged debt according to the Consumer Collection Agency License Requirements in the state of Florida for agencies that collect consumer debt owed to another person.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (OK)

I was contacted on XX/XX/year> from a debt collector by the name of Transworld. They were informing me that I have a debt owed. I explained to the agent XXXX that I didnt know where the debt was coming from and that I wanted to dispute the debt. She informed me that I would receive a letter in the mail within a week and I never received any notice. I called the company again on XX/XX/year> due to no response from the company. I spoke with XXXX again and she informed me that she would send out another notice. I called a third time and spoke with a woman named XXXX XXXX. She informed me that I should receive notices in the mail at some point. It is now XX/XX/year> and I have not received a debt verification letter or anything regarding the allegations of debt. The number that is contacting me is XXXX ( XXXX ) XXXX. I have never received any notice that I owed any debts to any establishment.
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (CA)

I have disputed these inquiries many times. Each time Equifax ran an investigation. 
The last investigation reports dated XX/XX/XXXX report number XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all resulted in the company stating they will delete the disputed inquiries. 

XXXX all 4 inquiries and XXXX XXXX inquiry would be DELETED. 

To this date all these remain on credit report. NONE HAVE BEEN DELETED.
Consumer complaint received 2024-07-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NY)

I received a request from XXXX XXXX XXXX for payment of the amount of {$3400.00}, dated XX/XX/XXXX. I disputed the validity of the alleged debt in its entirety as I did not incur it and believe it is based upon a fraud using my name. I received no response. 

Previously, I received a similar notice from Frontline Asset Strategies dated XX/XX/XXXX claiming that I owed a debt of {$3400.00}. I disputed that claim by an electronic submission on XX/XX/XXXX. On XX/XX/XXXX, Frontline responded by sending me a form entitled XXXX Fraud Management. As instructed, I made a Consumer Report To The FTC, and completed and submitted the XXXX Fraud Management form and attachments on XX/XX/XXXX. ( Copy attached ). I heard nothing further about this matter from Frontline Asset Strategies or XXXX and assumed that it was resolved. 

It appears that XXXXXXXX XXXX claimed the same debt I disputed and reported as fraudulent more than a year previously. I dispute that this debt is valid, and I dispute the validity of your claim in its entirety. 

I also reported this matter to the NY Department of Financial Services. They reportedly attempted to contact Frontline but received no response.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/2024, I placed this order with XXXX XXXX XXXX through PayPal and I contacted the seller and I told them that the item didn't fit, and asked what to I need to do to return this and get my money back, please advise. The sent me a bunch of nonsense telling me about all of the fees that I would need to pay or they would help me to get another item. When it came time for that, they refused to help me. I contact PayPal and file a resolution to this case. PayPal claims to help consumers but, they are not helping me in this case. They closed my case twice stating that they sent me an email on XX/XX/XXXX which I did not read, I actually went to the case itself where there information is not there for me to send the product back to XXXX instead of the email address they sent the item to me from which is in XXXX XXXXXXXX XXXX. Why isn't PayPal protecting me as a consumer? The XXXX customer service reps from PayPal I spoked to are of XXXX decent as well and I feel I am being discriminated against because I told the people at XXXX XXXX XXXX that they are purposely targeting XXXXXXXX XXXX XXXX  and that I was going to report them as well. These companies are purposely targeting us and when their items don't fit, they try to gouge us out of more money by telling us that we have to send it back to XXXX instead of the United States addresses they are using to send them to us from.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was XXXX in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as XXXX.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX : Acct # XXXX, XXXX, SYNCB : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting.

2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida