davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
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. (FL)

I refinanced my house and my credit union sent Navient a check on XX/XX/19via 2 day mail for $XXXX which would pay off my student loans #1-5. (I have another loan I just opened on XX/XX/19 - #6, but this was NOT being paid off).  My bank did not ask me for address to send it to & they sent the pymt to the address on my credit bureau.  I contacted Navient around XX/XX/XXXX or so and was told ck was rec'd on XX/XX/19 and they had to figure out which acct. it went to, which they figured it out on XX/XX/XXXX, and that it would take 7-10 days to post to the acct.  I asked if add'l interest would be charged and was told "no", it stops as of the date ck rec'd. I have called back on numerous occasions (9 times as of today) and been consistently told IF interest was charged, it would be rolled back to date ck rec'd.  To date, they STILL have not fixed my acct. to show loan #3 being paid off (they misapplied it to loan #6, which is in grace period because I'm in school), and the people I s/w today said interest was charged on all accts. up through XX/XX/19, the day the pymt's posted!!!  I told them that I have been reassured by every single person I've s/w the other times I called that interest was rolled back to the day ck was rec'd -- and now I'm being told it's not.  My bank would have stopped pymt on the ck when I was originally told it was received and overnighted to their physical location another check way back the first time I s/w somebody, but they assured me that interest would not be charged!!! The woman I s/w today (Supervisor, XXXX XXXX) said they can't do that because interest is charged up to the date the money goes to the Dept. of Education, which shows it was posted on XX/XX/19; that she's sorry that other people had told me different!  Her being sorry does not get the $XXXX in interest back like I was told the other 8 times I called -- AND, as I stated, this could have been prevented by stopping pymt on the ck and it being reissued, but I was reassured that add'l interest would not be charged. Some of the other calls I DID s/w supervisors, who did reassure me that no interest would be charged -- yet it was charged up through XX/XX/19, even though ck was received on XX/XX/19!!!
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AR)

When I opened my account with chime they didn't give me sign up or referral bonus or a bonus for setting up direct deposit payments. I tried talking to customer service about this and they act they don't understand what I am talking about but I did in fact sign up for chime by being referred and I did set up direct deposit and customer service won't fix it. I can provide proof of this if I need to submit documents
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, the identity theft use my ID information to withdraw my money from Chase bank, the identity theft withdraw {$1300.00} from my checking account and {$1300.00} from my saving account. And On XX/XX/XXXX, identity theft withdraw {$800.00} from my checking account again. On XX/XX/XXXX, I applied for claims and I ask for affidavits. On XX/XX/XXXX, I called in for the results, they told me they need 10-15 days to investigate. Then I called in the Chase bank again on XX/XX/XXXX and on XX/XX/XXXX. They always tell me they need 7-10days more. Now two months passed, they didnt give my money back! I put my money on the bank, why the other person can withdraw my money without the bank card from the bank?
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I need XXXX XXXX XXXX  to be delete
Consumer complaint received 2022-04-22
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. (NY)

Im accordance with the fair credit reporting act XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX. 
Account number XXXX has violated my rights XXXXXXXX XXXX Account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This company is telling me they have no knowledge of this open account. it was opened on XX/XX/2016. I'm trying to request a new card and it isnt showing up in their system. This account is showing up on all my credit reports.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc. (MA)

XXXX XXXX has an account that was put in my without my consent so someone stole my identity, I’ve gone to the police, filed a report, I did everything XXXX XXXX wanted to prove to them I did not set up or reside at the address where services were fraudulently used. XXXX XXXX has agreed to remove the balance and account yet the company that bought the debt won’t stop reporting it to the credit bureaus! Stevens business services out of XXXX MA is still reporting to the credit agencies and even tho I’ve disputed it they’ve said they won’t stop until it’s paid! XXXX XXXX the original owner of this debt agrees that it’s not mine so why is this company still reporting it? I don’t know what else to do! I’ve done what I’ve needed worked with police the company itself and the 3 major credit reporting companies
Consumer complaint received 2022-10-03
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. (WA)

1 ) XXXX XXXX XXXX XXXX XXXX : Closed and last updated XX/XX/XXXX, account age 9 years, statute of limitations is 7 years. Experian and XXXX XXXX have refused to DELETE this account from my credit report even though by law they should have done so 2 years ago. 

2 ) XXXX : Closed and last updated XX/XX/XXXX, Account age 9 years, statute of limitations 7 years.Experian and XXXX have refused to DELETE this account from my credit report even though by law they should have done so 2 years ago. 

XXXX ) XXXX XXXX XXXX : Closed and last updated XX/XX/XXXX, Account age 7 years, statute of limitations 7 years.This account was just DELETED by XXXX upon my request for this very reason.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked for proper valiadation from Portfolio Recovery stating that I owe a debt. They have not sent me the proper documents such as signed contract with my signature, just photo copies of statements that do not show i ever opened an account. The law clearly states that in order to validate a debt they are trying to collect they have to prove the account is mine and they have not proven that. I was a victim of fraud my ex took out accounts in my name im assuming and i had no knowledge of these debts. I have tried many times to receive proper validation and this company has yet to do so which is against the law. I am a XXXX XXXX  and this negative reporting is negatively affecting my credit and causing me a great deal of stress because i cant rent an apartment of my own because of this.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Receivables Performance Management. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2022-10-03
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

After purchasing my first house 6 years ago I started receiving debt notices for debt that was not mine. I've never had a problem with credit card debt and have no student loans. After calling the original creditor I discovered that I shared the exact same name as the person who owed the debt, but they understood and removed me from their system. For 4 years I would receive notices randomly from different debt collection agencies. My assumption was that this debt had been sold to several other debt collectors. Whenever I called to explain they had the wrong person and address each one stopped sending notices. 

About 3 years ago my wife got a call from a Sheriff 's officer. The man with my exact same name had died and the system listed my wife 's phone number as contact. Luckily I was at the house when she received this call and the Sheriff was very apologetic for the mistake. After this the debt notices stopped. To my recollection maybe one or two more came in the mail but as soon as I called the number listed, the collector could easily XXXX the man 's name, find his obituary, and remove me from their system. 

Two weeks ago FAMS INC started sending me notices in the mail, but whenever I call to explain the situation they will not listen. They continue to send me notices and offering settlements even though I can point them to this man 's obituary. After sharing that information with them they claim there is nothing they can do. They continually send me notices and treat me as if I'm lying if I call the number listed. They've asked for my social security number and date of birth multiple times. I have never shared that because I fear they are trying to burden me with this now deceased man 's debt whom I have no relation to at all aside from sharing a very common name.
Consumer complaint received 2022-10-03
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)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-22
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. (GA)

Remove account XXXX XXXX XXXXXXXX ACCT # XXXX because of reinsertion. This account was previously removed and the credit reporting agency put it back with updated information which is still inaccurate. Account was merely updated, and was updated inaccurately once more. Remove this account permanently for blatant inaccuracy and misuse
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was recently denied a loan modification by my loan servicer Select Portfolio Servicing.I feel there is no good reason for this loan to not be modified or restructured. I have been battling this servicer for years and all they have offered in the past is a loan modification with a huge balloon payment at the end of it that they know I can't afford. I am disputing this denial of a modification and am asking that the loan be restructured. Given an entire new loan number and restructured. Every time Select Portfolio Srvicing has contacted me the first thing they say is how much they care and how much they want to help me retain my home. If this is true they will review and approve my loan to be restructured. This loan can be easily put back on track but they are more interested in foreclosing.The principle amount can be reviewed and lowered, the interest rate can be reviewed and lowered. Mortgage companies have been doing this to help homeowners ever since the housing crisis. I don't see why this company can not. Again I am disputing my denial of a loan mod/restructure and am demanding that my loan be reviewed for a retructuring.I have had trouble paying in the past but am in a much better place to make this work.Also the foreclosure date is set for XX/XX/2020 and if I am correct the notice has to run in local paper for 31 days prior in Georgia. As of Today XX/XX/XXXX it has not been posted in our local papers legal section. They are foreclosing illegally.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/24 I used Bank of America Bill pay to pay a bill to XXXX XXXX XXXX XXXX XXXX for {$170.00}. BofA issued a check on that date to that payee and charged my account on that date the amount of the check. XXXX never got or at least never cashed the check. On my instructions today, BofA stopped payment on the original check and reissued a new in that amount.

My compliant is that I have lost ( and continue to lose ) the credit in my checking account, and BofA has had and still has the benefit of the amount. It seems to me that BofA should not be able to charge my account until the payee has cashed the check.
Consumer complaint received 2023-02-10
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. (NJ)

Hello, I have mailed in several disputes with the 3 major credit bureaus ( Experian, XXXX and XXXX ). XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XXXX, XXXX, 2023 Report Number XXXX Date Generated XXXX XXXX, 2023 XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.
Consumer complaint received 2022-10-03
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. (AZ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-01-15
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: AMERICAN EXPRESS COMPANY (TX)

I was a XXXX. student in XXXX working on my XXXX. The school suggested I use XXXX XXXX. To the best of my memory the cost was {$69.00} which I gave them my American Express card number. I finished my work with XXXX XXXX. Each year since then I have received an expense to my American Express card in the amount of {$320.00}. Each year I have gone to XXXX XXXX to end the service. Ending the service requires the user to go online access their account and click the button to end the service which I have done. Each year I have disputed the charge with American Express with no resolution. After many years I have had enough. In addition to the expense, I have realized that it is not only XXXX XXXX that I am being victimized but American Express as well. Each year following the dispute, they tell me that XXXX XXXX provides documentation reporting that I have a subscription for the service. I respond that I do not have a subscription. American Express sides with XXXX XXXX and does not provide me any documentation provided to them by XXXX XXXX. American Express reports that they will block this vendor from accessing my account. When I spoke with them and mention that they tell me the same thing each year with no success, they simply say that they can not access accounts older than 9 months. The XXXX XXXX charge from XX/XX/XXXX was just placed back on my account in XX/XX/XXXX. They did offer me reward points. 
I reminded them that reward points are not dollars and that the {$320.00} represents after tax dollars. There seems to be no end.
Consumer complaint received 2022-12-27
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. (NC)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The reason Im writing this letter is to dispute my most recent late payment. This is my Walmart account. Because my account was set on Autopay, I had no idea my account was past due. I was not informed that my Autopay would be cancelled. Because the bank XXXX XXXX cancelled my autopay I was never properly notified. Im very upset with this reported late on my credit report as this was late through no fault of my own. I was with CapitalOne many years ago and I had a negative experience. I said I would never bank with CapitalOne again. However, my Walmart account as switched from synchrony bank to CapitalOne. I assumed that my autopay would stay on and had no idea that my autopay would be cancelled. As a result my credit report is showing late Please Im asking CapitalOne to do the right thing and update my credit report to show a 100 % paid on time.

Please update my credit report to show 100 % paid as this was not my fault and I find it completely unfair that because Walmart switched banks that I should be penalized. I understand that when switching companies on such a large institution that there may be  oversights. But Ive worked very hard on my credit and for my first experience with CapitalOne to be a negative experience is frustrating.