davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (NH)

I have been paying our son 's student loans with Navient since Covid-I9. The first payment was XX/XX/XXXX thru XX/XX/XXXX. I have all my bank statements that show different amounts deducted from Navient. The total of payments is the amount of {$5800.00}. On the XXXX site the amount is NOT deducted from my son 's balance. I called Navient for any information on the loans and the gentleman I spoke to said he had no information. I asked to be transferred to a supervisor and an other gentleman told me the if the account was closed he had no information for me. 
I had my son call Student Loans they can not help us because nothing was shown on the payments from Navient. 
Why haven't my Navient payments been deducted from the student loan balance? 
Thank you for all your help in the matter. 
XXXX XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (CA)

The same person has been calling my phone every weekday morning for the past month or so and leaving a recorded voicemail message. They say they are Diversified Adjustment Services and I am to return the call by calling them at their number XXXX XXXX XXXX XXXX and give my reference number XXXX. 

I have no debts, never had debts and no collection agency should be looking for me. This must be a scam. Theirincessant calling is a bother. My number has been on the Do Not Call List for a long time.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. 
On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. 
I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (VA)

My XXXX XXXX case was XXXX in XX/XX/2023 ; however I am now receiving calls from debt collection agency, FBCS at number ( XXXX ) XXXX on behalf of XXXX XXXX XXXX debts that were discharged in my bankruptcy.

Upon disputing the erroneous information with the credit bureaus I received a response indicating that the debt was valid becuase it was sold to another lender and presumably illegally during the bankruptcy proceedings ( see attached ). 

Please note that FBCS collection agency is making harassing calls to my phone multiple times a day everyday and refusing to send anything in writing solidifying their purported claim to the debt.

Please advise on what needs to happen to correct these violations of my protection under the bankruptcy laws.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC (MO)

I told company I am on social security XXXX I have had XXXX attacks and strokes and my bank account is over drawn because of identity theft and they won't fixed it they expect me pay {$420.00} then pay these loans too
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (CA)

I had a court date that I was not aware of in time and could not appear. The debt collector sent a person to my house over XXXX when I had family over and we were celebrating the holiday. The process server was at my door at night so we did not answer the door. Then she came to the door in the morning. When I read the summons, the court date had passed. They called me every day at XXXX XXXX  for months, from XXXX to XXXX and when I would answer the phone, they would hang up.
Consumer complaint received 2023-12-14
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: Mr. Cooper Group Inc. (WY)

On XXXX XX/XX/XXXX received escrow analysis show short of {$4500.00}. That the new payment goes into effect on XXXX/XXXX/XXXX. Called talk to them about transfer to collections. Tried over for assistance. Not able to send forms to me. Called ask what increase told property insurance. Property insurance told that is was only XXXX increase. Called back ask to talk Supervisor. Supervisor XXXX told that she can spread out excess over 36 months not 12 months. Put today and see on next statement. Still starting on XX/XX/XXXX. 

XXXX statement was XXXX XXXX take out XXXX Called twice to get resolved. Was told nothing can do. Last time XXXX supervisor reach out to XXXX was told nothing can be done.
Consumer complaint received 2023-07-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (NC)

Genesis FS Card Services are harassing me by repeatedly calling me every day and more than 7 times a day trying to collect a credit card debt. I have blocked them and from XXXX XXXX till XXXX XXXX I have screenshots of XXXX blocked calls from them. The phone number is XXXX. Now they have started calling me from phone number XXXX and emailing me. I cant take it anymore more, the account is closed, on my credit report as closed on XXXX XXXX. Please help me, I can provide screenshots of the call log.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : 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 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (NJ)

I am banking with card XXXX XXXX XXXX. I had a transaction on. XX/XX/XXXX for XXXX. I then on XX/XX/XXXX4 had a transaction for XXXX from The company. I called and made a dispute which I then was told there is no error. I called multiple times to ask why my text alerts did not reflect any transactions the representatives were telling me About and had an escalation put in. I am not in overdraft protection and not eligible but not 1 representative could explain how an unauthorized charge made me Negative. Another escalation and dispute have been Put in but still no one has given me my money or the provisional credit I was gauraunteed on XX/XX/XXXX. I then was provided a merchant code and authorization code for releasing funds and the merchant has no record of my actual transaction because the bank declined it. No emails or documents were even responded to or sent from the company. Also my Text alerts and my XXXX app transaction history do not match what the representitives state nor does my account statement
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I called in on XX/XX/XXXX to discuss my mortgage and escrow amounts in detail for at least 30-45minutes. 

On XXXX/XXXX/XXXX I receive a copy of my settlement statement from XX/XX/XXXX, this does not answer my questions. 

My escrow shortage seems extremely high They stated that my payment of {$2000.00} began on XX/XX/XXXX. 

I understood that a bulk of this was due to my homeowners insurance increasing. The escrow balance still does not make since for my loan payments to increase another {$500.00} a month. 

Furthermore, I am already struggling and received help from the state with a payment of {$12000.00}. 

My past due balance on XX/XX/XXXX statement states XXXX. Where is the rest of my balance from this payment and where is it being applied. These numbers are off for the escrow shortage as well as my payments due. 

It is not clear what is going on with my account an looks like money is being taken and egregious fees are being added to my mortgage payments.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

I participated in a house auction named XXXX, XXXX and since I didnt get the house that I wanted they sent me a check, when I recieved the check I did a mobile deposit though my Wells Fargo bank XXXX I know the bank takes a few days to deposit it in my account through the mobile. I left the check in my car by mistake and since I do XXXX someone stole the check because the bank called me that they couldnt deposit it because someone physically deposited it on XX/XX/XXXX XXXX  through XXXX XXXXXXXX bank. I dont have a XXXX XXXX bank account and the person who stole it was able to cash it because I had already signed it to do the mobile deposit.
Consumer complaint received 2024-01-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XXXX XXXX XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open XXXX XX/XX/XXXXXXXX  Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}, and DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance XXXX {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-03-16
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. (CA)

XX/XX/2023, I looked at my report. I sent a dispute to Experian asking them to reinvestigate these accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same ... and according to 15 USC 1681 i ( 5 ) they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according t

o 15 USC 1681eb they are supposed to ensure th ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose t
o happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an official document saying they did something they did not do.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I have a credit card with cominity bank, I make XXXX differences payments XXXX $ and XXXX $ on XXXX cominity bank send me billing address charge me again the XXXX $ and XXXX $ I call them and let them know I pay this money ready I open dispute with cominity capital bank i never get any results since today XX/XX/2023 cominity keep fight with me on the phone cominity capital bank need I pay the money double I have account with XXXX,,, XXXX call them and let them know we pay this money ready,, cominity keep forcing me pay the money double I send cominity capital bank my statements bank, electronical transmittal form cominity bank keep telling me their didnt receive any money from XXXX XXXX I prove cominity bank I pay the bank keep forcing me to pay again
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Transunion Collections accounts 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 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 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (VA)

Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is one digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found two different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.