davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I graduated and consolidated my loan started paying on my loan consistently starting  XXXX   XXXX . Never made a late payment.  XXXX   XXXX  -I called  Navient  to get information on the  Public Service Forgiveness Program a coworker mentioned to me the program   existed. The representative from m Navient  explained to me the stipulations, terms of the program are the following- to pay on time  120  payments and work for a non profit organization. She checked my employer  {  same employer I have had since  XXXX  }. Stated the employer meets the criteria of non profit. I asked if Navient would consider ALL my payments I have made since  XXXX   XXXX . She stated yes they would go as far back as  XXXX   XXXX  and consider those payments toward the  120 p ayment that are required. She stated to continue paying as I have. Since, I am approaching th e 120 p ayment mark I started the process to forgive the loan. I contacte d Navient fo r information  XXXX   XXXX . They directed me to Department of Education. I spoke with a representative there who directed me to get the form online. I completed the application and employer validated. I sent in the form early  XXXX   XXXX . I just received  XXXX   XXXX ,  XXXX  the denial letter with the reason being based on the type of loan. I called  Navient   XXXX   XXXX ,  XXXX  spoke wit h two  representatives who apologized for the miss communication but made no effort to come up with a resolution. I spoke with a supervisor at  Navient w ho mentioned he would file a compliant on my behalf. He stated with the compliant I  " may ''  be able to have my previous payments considered. All reprentsatives at  Navient  mentioned I would still be able to qualify by consolidation and paying for anothe r 120  payment. I spoke  XXXX   XXXX ,  XXXX  to a representative from Department of Education. She stated the full process of what needed to be done. I needed to have consolidated as a Direct Loan -she even mentioned I should have been explained the process when I consolidated but I do not recall ever being told anything. I have worked public service since  XXXX  so I would have taken the opportunity to enroll in the program right away had I know about this. Even if I was explained the process in  XXXX  I would have enrolled at that time as well. Since I was told they would consider as far back as  XXXX  I continued to pay never late.
Consumer complaint received 2023-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (DC)

XXXX has charged XXXX retuned check fees that do not exist Took a payment of XXXX dollars on XXXX and is still applying late fees when a principle payment was included. 

Company has taken a illegal contract that will supply account numbers to my business account for the purposes of fraud. Company has placed illegal STDs on my mortgage account after I explained that it was a civil matter and currently in court allowing people to place illegal liens on my property account.
Consumer complaint received 2023-11-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received an Amex Gift Card from work. When I tried to use it online to get food, it wouldnt work, so I called the company to check why, and they couldnt even find my card ( which I was actively looking at the balance of, that being {$150.00} USD ). After calling them multiple times, and multiple times getting disconnected, I finally got on the phone with an actual person, who disconnected me and led me back to exactly where I was before.
Consumer complaint received 2023-11-19
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: CITIBANK, N.A. (MI)

The supervisor I just spoke with today XX/XX/2023 about XXXX est was extremely rude offering to waive only one fee when the issue was for XXXX and XXXX. He was speaking so fast in a foreign language and speaking over me as I spoke. He then refused to waive any fees all because I told him I couldn't understand what he was saying especially being that he was speaking over me as I spoke. I absolutely hate that I even have to speak with you at all but someone really should do a better job at hiring and coaching these people. You all already owe me over {$200.00} that I've not gotten resolved and now I'm not receiving my invoices and incurring late fees.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-11-19
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. (TX)

I have requested for Equifax to delete certain inquires and also provide the police case number and they sent back saying that the information will stay. I provided the officers name badge number and case number. Equifax did not follow 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The police did provide me with a case number that I provided to Equifax which declined to remove unauthorized inquires.
Consumer complaint received 2017-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

We took our daughter to  XXXX   XXXX   XXXX   XXXX  in  XXXX  PA once in   XXXX   XXXX   and once in   XXXX   XXXX   for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from   XXXX    and paid what was not covered by insurance, every bill that was sent to us. Fast forward to   XXXX   XXXX  , we apply for a pre-approval on a loan only to find out that   XXXX    has sent t 2 i nvoices for us into collections around   XXXX   XXXX   .  i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had  XXXX  address changes since we had lived at that location. No one from  XXXX   XXXX  ever contacted us directly about these invoices and we regularly receive care from   XXXX  . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it.  Transworld  also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on  XX/XX/XXXX  when it was brought to my attention but  XXXX   XXXX  will not own up to their error and assist us with purging our now ruined credit report. In fact, the  XXXX  representative  XXXX  raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue.    XXXX /Transworld can expect to be hearing from a lawyer shortly.
Consumer complaint received 2023-11-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

1 ) Several requests have been submitted to Select Portfolio Servicing, Inc. ( SPS ) to provide proof of debt validation. The response from SPS to date has been inaccurate. SPS continues to provide documentation on Provident Funding as the originator of the presumed debt. SPS has not yet furnished the original promissory note dated XX/XX/XXXX. Therefore, as a debt collector, SPS must cease and desist from all proceedings concerning ACT 91 and any foreclosure action they are pursuing until this request has been satisfied. This matter is still opened and in question.

2 ) SPS has sent eight ACT 91 disclosures, was that meant to be a scare tactic? Those disclosures were sent based on inaccurate information and lack of debt validation and proof of origination. 
XXXX ) What personal interest does SPS have regarding this presumed debt? 
XXXX ) In the notice of default letter from SPS dated XX/XX/XXXX, states that " the holder of the promissory note has instructed SPS to pursue remedies '' - where are the instructions from XXXX XXXX XXXX XXXX XXXX, provide copies of said instructions? 
XXXX ) Why has there been no communication between XXXX XXXX XXXXXXXX XXXX XXXXXXXX and said debtors, directly? 
XXXX ) DO NOT respond by sending any transaction history or any more copies of documents with Provident Funding or XXXX XXXX, that seems to be SPS ' usual and customary response due to lower level employees furnishing incorrect documentation. 
XXXX ) If the presumed debt is defaulted in XXXX days ( or more ), is there an insurance that pays up the defaulted amount thus satisfying the debt? If so, then why does SPS pursue the debt when it has been paid. That is a false and deceptive practice. 
XXXX ) SPS as a debt collector is not transparent and has refused to send a copy of the servicing agreement for the presumed debt. Once again, a request is being made to provide a copy of the servicing agreement to presumed debtors for review. 
XXXX ) DO NOT call, the method of communication should always be via USPS mail.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. 

This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U..

This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. 

SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. 

CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. 
.CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. 

XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. 

THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX  CENTS. 

CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX 

THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. 

C.F.P.B. 'S XXXX XXXX XXXX  COMPLAINT ID : XXXX. 
CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. 

PLEASE REFER TO ATTACHMENTS BELOW.. 

.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

This account was charged unauthorized without my permission. Wells Fargo is aware that this account was a result of unauthorized charges. WF had admitted that this account is incorrectly reporting on my credit report via email. Email enclosed. XXXX failed to investigate the accuracy of this account. The account has listed a total of XXXX charge off under this same account ending in XXXX. The account has late payments on a charge of account. These repeated derogatories have been damaging to me. I settled for a payment to WF even though I did not make the Purchases on this account. I was promised by a WF rep in XXXX  that if I paid the account the account will be removed. This XXXX XXXX XXXX account is still on my credit report and its hurting my score. XXXX failed to correct and update this account. I have disputed this account 5 times to both the creditor and the bureau. For the sake of years of incorrect reporting with I kindly ask that this XXXX XXXX XXXX account be completely removed from my XXXX report
Consumer complaint received 2023-07-14
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. (FL)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and inquiries. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Date XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX ; INQUIRIES XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SECURITY CREDIT SYSTEMS INC (NY)

I have no outstanding debt owed. The " debt '' they are trying to collect was for a semester I never attended. I fell ill at the beginning of the semester and withdrew and had a confirmation of withdrawal. I was informed that there would be no charges since it was prior to the semester start. I still received a bill and when I contacted the school, they said to ignore it as it was already handled, and it must have been an error. This was back in XXXX, I think. Since then, I received many calls saying it went to collection, and it needed to be paid. I was told by the school to not answer these calls. Fast forward till now and I and my family/friends have been getting calls requesting information and stating I have a debt in collections. I do not have access to most documents as they were through my school email and old email, I no longer have access to, and calls to my " advisor '' at the school.
Consumer complaint received 2023-10-21
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (NV)

These inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

1681b. Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) of this section, 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 Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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. 


As a consumer, I am demanding a deletion of the following accounts and the deletion of the following personal information both addresses and employers : 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 These following Addresses must be deleted : XXXXXXXX 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 These employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I first attempted to create an account on the Equifax website XX/XX/XXXX. I input all of the information they requested : full name, date of birth, entire social security number, address. I then answered all the questions that were asked. But, still, I was denied access to my credit report. The last time I tried to gain access to my credit report was XXXX. XXXX. XXXX. Again, I input all of my personal information, and again denied access to my credit report. Many consumers online are reporting the same issue. Not only am I being denied access to my credit report, now, Equifax has captured all of my personal information, and I am unable to opt out of the sale/disclosure of this information. Since Equifax has denied access to my credit report, Equifax should not have captured my information. My only intent in attempting to create an account is solely for the purpose of accessing my file. Since I am being denied access, I would like to ask Equifax to provide me with a disclosure of the information they have collected and a process to opt out of the sale/sharing/disclosure of my personal information that I unintentionally provided. However, I can not do this without being allowed to create an account. If Equifax is going to capture a consumer 's information with the risk of not gaining access to the consumer 's file, Equifax should place a warning on their website alerting the consumer of this risk. Furthermore, the consumers ' information belongs to the consumer. Anyone whose information was captured in such a manner, should have an easy process to manage or delete that information they inadvertently provided. So, I am asking the CFPB for assistance with being able to manage how the information Equifax obtained from me is used, and assistance with gaining access to my file. I have accounts with the other XXXX bureaus. So, all the data I input into Equifax 's website is accurate.