davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (PA)

On XX/XX/XXXX after being discharged from the hospital for an aortic dissection, I cancelled my XXXX account in person, by phone, and by email since I could not log in online. For the next 6 months I tried to resolve whatever issue they thought they may have had with online chat ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ), by phone ( XX/XX/XXXX and a couple more ), and in writing ( XX/XX/XXXX ), and email. After processing payment for a phone they claimed I owed, they started charging my credit card for additional monthly service! On XX/XX/XXXX I had an Army JAG lawyer contact them to try to resolve the issue. Finally I contacted my credit card company to reverse the charges they were stealing from me. On XX/XX/XXXX they sent me a cancellation email claiming I owed {$570.00}. I responded with another letter to XXXX on XX/XX/XXXX explaining why I did not owe them anything. In XX/XX/XXXX, they had XXXX XXXX ( debt collector ) start harassing me about the money. O contacted XXXX, in writing, documenting my case. XXXX sent a response that the debt was valid but stopped the harassment. The credit card company refunded my XXXX charges leaving the XXXX and XXXX charges. The XXXX had another debt collector, XXXX, being harassment. XXXX filed a delinquency report on XX/XX/XXXX with XXXX. I contacted XXXX with my documentation and they removed the delinquency report. In XXXX, XXXX had ADNI, another debt collector, begin harassing me. On XX/XX/XXXX. AFNI filed another delinquency report with XXXX. Which I will have to refute again!
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Hello, My name is XXXX XXXX and I completed a program through the XXXX XXXX XX/XX/XXXX I believe. It was a loan rehabilitation program to remove penalties from my defaulted loans and bring them current. After finishing the program my loans were sent to Navient and they settled on {$84.00} per month. I had been making payments then all of a sudden the loans were sold and I have no idea where they are. I was still paying through Navient but that is NOT who these funds were being dispersed to. 
Unfortunately a substantial amount of time has passed. I sent a previous complaint in XX/XX/XXXX stating that I could not reach anyone from XXXX XXXX now Navient. I was always routed to a collection agency, even though I have been paying on XXXX loan consistently since XX/XX/XXXX. XXXX XXXX responded admitting to this action taking place. The Case Number is XXXX. 
I was unable to contact anyone about where the loans were sold to. I received no correspondence. I even reached out to student aid.gov and they said that they can not help me as they do not handle these things but I can contact my lender. This was very unhelpful because a ) my loans had been sold b ) XXXX XXXX/Navient was routing all calls to creditors c ) you ca n't handle this issue but you can take my money. 
This has been a grueling process over the last 5 years and it 's a huge maze and circular. 
I have also recently found out that Navient has stooped applying my $ XXXX monthly payment to my {$1700.00} loan that I have been paying since XX/XX/XXXX. I am almost done paying it off and they have taken it upon themselves to appropriate the funds elsewhere without my permission. 
At this point this needs to be sent my state Senator and Attorney General. 
Thank You So Much for Your Help, XXXX XXXX
Consumer complaint received 2020-12-14
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)

TransUnion I have call a couple of times to dispute these Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/2020 I would like to get the Inquiries Remove off my credit report. 







XXXX XXXX  XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Misc. 

XXXX XXXX Inquiry from XX/XX/2020 Misc.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (VA)

Levy Law Firm has a debt from XXXX XXXX  stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.
Consumer complaint received 2020-12-13
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: National Credit Systems,Inc. (WA)

I was released from this lease agreement and my roommate XXXX XXXX was responsible for anything that occurred after I was removed. Please contact XXXX XXXX to verify info and see roommate release form that i signed releasing me of any liability related to this rental account/agreement. I even called the property this week to verify and they said it should not show up as my responsibility or account because I was released beforehand and that once I disputed it you would call them and they would verify that it isn't mine. Which means you did not reach out to them to verify accuracy and are negligently furnishing incorrect data to the credit reporting agencies.
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo never sent any information validating this debt despite my identity being stolen and after informing the company of that information. I received harassing calls for months, and no one was willing to assist with any resolution. Wells Fargo has sold this account to another lender without informing me or my permission. It is also now 7 years of this debt. North Carolina sets the statute of limitations on credit card debts for 3 years.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (NC)

Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.
Consumer complaint received 2020-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My home insurance is supposed to be paid by the escrow account. I have made payments on time and the account has adequate funds for this. However, the company did not make payment in time. I have until the XXXX  or my policy will be cancelled. 

I contacted the company via email but they have taken days to response. The phone line is always busy and I was not able to get on the phone with anyone regarding this. It appears they are evading the issue. I have asked them to contact me instead.
Consumer complaint received 2020-12-14
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. (CA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX/XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX Credit Inquiry from XX/XX/2020 XXXX XXXX, XXXX. 
Inquiry from XX/XX/2020 XXXX
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (IL)

There are about 4 hard XXXX XXXXXXXX inquiries back to back on my credit report. I'm having great trouble getting removed and I don't know what to do at this point. If you can point me in the right direction I greatly would appreciate it. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-06-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i have Two inquiries on my credit report that i did not authorize nor have knowledge of 1 ) Bank of america XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Early in XX/XX/XXXX, I accidentally found out that our BoA credit card balance had been charged twice ( back-to-back days ) to our BoA checking account. We called a few times to have the error fixed and, eventually, one of the two balance charges was correctly returned to our checking account. In XX/XX/XXXX, however, the problem recurred ( XX/XX/XXXX and XXXX : USD XXXX ). We called several times and, eventually, on XX/XX/XXXX one of the two balance charges was both refunded to our checking account and yet recharged to our credit card new balance as " returned unpaid '' ( as well as interests and fees ), now nonsensically due on XX/XX/XXXX ). We called again, were told that it would be fixed, but never was. Even worse, the same problem recurred in XX/XX/XXXX ( XX/XX/XXXX and XXXX : USD XXXX ). Once again, we called several times, the balance was returned and yet re-recharged to the new balance of our credit card ( due in XX/XX/XXXX, we believe ). At that point, we looked back ward till the beginning of XXXX and found that, unbeknownst to us, our credit card had been charged twice to our checking account even in XX/XX/XXXX, but on the phone we were told that, after 12 months, that charge was no longer refundable. We even went to our local BoA branch, but were told they have no access to our credit card account and could not help us. This whole 18-month long ordeal is a scandal. BoA, from time to time, charges our checking account twice the balance of our BoA credit card.
Consumer complaint received 2020-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (LA)

I am writing about mortgage practices initiated by Citigroup that give priority and privilege to a particular XXXX group of people. These practices are XXXX and I am clearly being discriminated against by these practices. See Citigroups ad below : https : //www.citigroup.com/citi/news/2020/200923a.htm What will you do to ensure that ALL AMERICANS are treated fairly and have the chance for home ownership and wealth in the United States ? 

This XXXX policy initiated bt Citigroup needs to be investigate and stopped.
Consumer complaint received 2018-03-13
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: SYNCHRONY FINANCIAL (PA)

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I refinanced my first and second mortgage, which included money for payment on my Auto loan, credit card and student loan. I received checks for each pay off made out to each lending institution. All were accepted and the respective loan payed off, except the one to Navient. They keep rejecting the check saying that the bank account is invalid.I have attempted to pay them at least 4 times now. Each time they tell me that the bank account is not valid. I now have late payments listed on my account because they wo n't accept the pay off. If the account number for the bank is not valid, why did n't the other lending institutions have difficulties?
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.
Consumer complaint received 2023-06-01
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX  ( XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc. (NJ)

Independent Recovery Resources has placed a collections account on my credit report for XXXX XXXX. I was never to XXXX XXXX. My ex husband took my son there and XXXX XXXX did not submit to my sons medical insurance correctly and therefore did not get paid. By the time I.T was realized, too much time had passed and therefore they could not collect from the insurance. I sent XXXX XXXX XXXX the letter from the insurance carrier proving that I.T was not submitted correctly. There are two accounts from XXXX XXXX with Independent Recovery Resources. They only removed one account from my credit report. I have called over 20 times in the last 3 months requesting someone to call me back. I keep being told that the manager is handling the account. I have requested to have a letter sent to me about the removal of the one account, but once again nothing. I can not believe that this company can completely ignore my requests. I am not the medical insurance holder and I have never signed anything or even walked into XXXX XXXX. How can this company ruin my credit and not even return my phone calls. I honestly do not know what else to do to get them to return my phone call and remove the account from my credit report that is not mine.
Consumer complaint received 2023-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I saw an article about fraud included your organization. I thought I would try an explain my problem. 
In XXXX XXXX on Venmo I ordered XXXX " XXXX Lamps '' from a XXXX XXXX XXXX One for {$60.00}. An one {$70.00}! I never received them! I tried messaging 3 times. NO REPLY! 
Then I went to Venmo an XXXX an reported a problem an was told there was nothing they could do! 
So I'm asking because in the article it mentioned your organization would help! 
Thank you, XXXX XXXX
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

TO WHO IT MAY CONCERN ... I did not have online banking with Wells Fargo Bank, what i had was a Direct Deposit account.Someone at Wells Fargo put me on Online banking without my knowing.On XXXX XXXX i went to check my e-mail, and was shock to see the amount of mail i got from Wells Fargo Bank.I ring XXXX XXXX XXXX XXXX to ask what was going on in my account. I explain to the lady who answer the phone that i did not order no payment to anyone.Please do not allow this payment to go through. She said its nothing she can do, its already gone out..She then started to give me a new acc #. She told me a virus is in my Computer, which is a lie, i check it out at XXXX XXXX. The money was transfer from my account at Wells Fargo to another account at Wells Fargo..Total amount transfer $ XXXX.I did talk to the Fraud dept, still waiting to hear back ... The only money that goes into my deposit account is a pension from the XXXX XXXX, i used to live and work there.Social Security from USA and a pension from XXXX XXXX
Consumer complaint received 2015-12-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I went back to school at XXXX tech in XX/XX/XXXX, and within 12 months i had an issue where i was not able to complete my degree. Due to this, i had incurred a loan of approx. XXXX and at the time was not able to pay the $ XXXX+ a month for the loan as i was working minimum wage. I had to put my loans into forbearance twice in two years and make whatever payments i could towards these payments. Over the last almost 9 years, i have attempted to pay down this debt to the tune of 10.25 % and navient, XXXX XXXX selling the account to them, would not work with me to lower not only the payment of the student loan, but also the interest rate. I have been informed numerous times that the only way also to remove the co signer was to pay the account on time for 2 years. This has caused a monumental issue with attempting to pay back the loan, and had to go back to school to the tune of {$44000.00} to get not only my XXXX XXXX, but work towards getting my XXXX XXXX to be able to get to a point where i could attempt to pay back this loan. I currently work for a company that pays me a liveable wage, but am still not working in the department that my degree was to be in. I had gone in for network security, and XXXX tech had made promises to me that the experience and knowledge i would learn would land me a job in this field of study. 

I currently owe over {$60000.00} in student loans both private and federal and am at a point where i am wanting to get my co signer out because i am starting to not be able to pay these loans back at the interest charged. I started with my current company in XX/XX/XXXX, and it took me almost 12 months to get my account current enough to where i dont have any back money owed on the account. I am filing this complaint because i have hit a point in life where i cant afford to live, my credit has been destroyed because i couldnt even pay the bills i had, and had to take multiple payday loans out just to keep a roof over my head. I have had nothing but bad experiences with both Navient and XXXX XXXX with regards to trying to get the payments lowered, the interest lowered or refinanced, or even forgiven due to the hardships that i had. I have debated filing for bankruptcy due to the mountain of student loan debt i have, and all the lies and runaround that i have had with both companies telling me that they could work with me, and nothing was done. I have had harassing calls multiple times an hour when i was late on a payment, and they harassed my co signer into getting her to have me pay the bills, and also threatened to leave her hanging with all the debts. She co signed on this to help me when no one else would, and now we are paying for it since i will have paid almost 7 times as much back towards the original XXXX loan. Attached are pictures of the loan information from Navient. This one bill accounts for almost XXXX % of my income every month, and with a car payment and rent, i have very little left over for basic needs.