davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

For a long time I was pushed into applying for a forbearance by Navient. It was only a few years ago that I was told about an income driven repayment plan. I was told to make 3 payments and it would make me eligible for low monthly payments. I made those 3 payments and only then was I told about income based repayment. I've been on that program for a few years now and although my payments have been {$0.00} I've noticed recently on my credit report that my balance on these 3 federal student loans varies by thousands each month. My balance will go up from {$1000.00} to over {$5000.00} and then will go back down. I have only recently started monitoring my credit report so I'm not sure how long this has been going on. Its devastating my credit score and making me wonder what is really going on and am I being used for fraud or something else illegal. I took these loans out almost 10 years ago and have had no help until a few years ago with a payment plan to pay them off. I've accrued so much interest the loan amount has almost doubled and that's ridiculous for a diploma that I cant even use.
Consumer complaint received 2019-01-31
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: Resurgent Capital Services L.P. (CA)

XXXX is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX/XXXX XXXX  collecting {$480.00}
Consumer complaint received 2024-03-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

We were told we did not have to pay any lease break fees. We moved on accordingly. A year later, they are sending a large amount to collections out of nowhere and they are ignoring our attorney.
Consumer complaint received 2024-03-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NJ)

Mr. Cooper is by far the absolute worst company/business I have ever dealt with! They continuously provide me with incorrect information, and then when I speak to someone else, they tell me something different. If you are looking to do a loan modification, forget about it. They will make your life miserable! You submit all required documents only to be told that you need another updated copy of bank statements almost XXXX a month. You submit the bank statements, then XXXX weeks later they inform you that you filled out a form incorrectly or tell you the form is no longer in use and will need to print and fill out the updated form. After you submit everything, they will inform you a month or so later that your loan modification has been canceled due to " missing documents. '' So after you resubmit everything again and wait another XXXX months, you anticipate having a slightly lower monthly mortgage payment. However, not with Mr. Cooper! You will end up paying an additional $ XXXX more a month. 

If you have or are considering using Mr. Cooper for a mortgage, be forewarned and don't buy a home where there is weather. Because if your home is destroyed due to weather or anything out of your control, your home will sustain more damage waiting for them to send back your insurance check to make required repairs. 

There was a severe storm in my region of the country on XX/XX/year>, which removed half of my roof. Within minutes, I had water coming into my daughter 's bedroom, down into the kitchen, and into the basement. After doing everything that was required of me and spending over {$100.00} in postage sending documents back and forth to XXXX which I was advised by XXXX customer service to overnight the check as well as pay for overnight envelope to overnight it back. I advised XXXX XXXX of this and I was told I was given the wrong information and that theyre sorry I wasted over {$100.00} in postage that I wont get back. 

Its XX/XX/year>, and I have yet to receive the insurance check from XXXX. Which now I have even more extensive damage to my home due to their incompetence. So now I will be filing another insurance claim for the new damages. 

I could continue on about this terrible company, but I have to empty all the buckets of water. Their customer service is another horror story. They treat you horribly, and if you express your frustration, they will hang up on you. This company should be fined millions of dollars, if not shut down, for their continuous poor business practices towards their customers. 
They don't even deserve XXXX star, in my opinion! 

Stay far away from this incapable " company ''!!! 

V/R XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (IN)

I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.
Consumer complaint received 2022-09-02
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-31
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. (CA)

Experian is not providing proof of reported debt for collection account. I have written and sent certified mail 3x to ask for proof of debt in amount of {$480.00}. 

They are erroneously reporting XXXX XXXX collecting {$480.00}
Consumer complaint received 2024-03-25
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (NY)

On XX/XX/2024 unauthorized withdrawals was made to my account. XXXX XXXX XXXX XXXX  was when I noticed when the amount of XXXX was taking out of my account. Immediately I called my Wisely debit card to close my debit card and dispute the transaction. After I've done that I went to my local police department and file a police report issuing a fraud alert upon my account. I then called my Wisely card company back to see what should I do about my lost/stolen funds and they said that I will receive a letter of acknowledge in the mail and to return the letter signed within XXXX business days. By the time I received the letter of acknowledgment, I contacted the Wisely debit card company 's dispute team to be notified that my dispute case was already closed and that a second should be coming via mail about their decision. I totally think it's unfair that I'm out of money and the Wisely card company are basically saying that theirs nothing that can be done on my behalf.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

After many efforts, I need your help to have information removed from my credit report with XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

From XX/XX/XXXX to XX/XX/XXXX, I have requested on 4 times ( each ), for the credit bureaus and reporting agencies to remove inaccurate information, information that should not be on my credit report, and information not submitted by its furnisher. 

During the same time period, I notified furnisher providing information by letters to the credit bureaus to no longer share my account information with anyone besides myself. I also requested the furnisher to remove information that should not be on my credit report or inaccurate. 

ITEMS TO CORRECT : Remove XXXX XXXX XXXX This account was included in bankruptcy and charged off the furnishers profit and loss, thereby changing the status ( which is no longer a debt ). Needs to be removed from credit report with XXXX, XXXX, and Experian. 

Also notified ( mailed XXXX letters to XXXX address each ) the furnisher, XXXX XXXX XXXX and who has willfully not complied with my requests. 

Remove XXXX File transferred to XXXX XXXX XXXX / XXXX and is now a duplicate file and has not been removed by XXXX. 

Remove XXXX XXXX XXXX This file just appeared on XXXX, and I do not have a relationship with this company. 
This is a medical debt that infers I had radiology services ( HIPAA violation ) that I have no knowledge of. I called them and they got aggressive and hang up on me after insisting I owe this debt. I emailed them a cease and desist letter and demanded they remove this from my credit report. 

Remove Bankruptcy I provided XXXX, Experian, and XXXX with a letter from the court stating they do not furnish information to the credit bureaus. The bureaus were all reporting different information, court location filed incorrect, wrong amount, wrong type, and wrong dates. 

After the bureaus received the court letter, they updated the information based on what the XXXX bureau was reporting, instead of removing the inaccurate information. The information was not furnished by the originator the court. Bankruptcy should not be on my credit report. 15 U.S. Code 1681c ( 6 ) ( a ) ( 1 )
Consumer complaint received 2021-02-01
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. (OH)

Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I did not receive statements from ( capital one auto finance ) 21 days before. the due dates for the months of ( XX/XX/24 & XX/XX/24 ). According to the FCRA, 15 USC Code 1681a creditors must send statements at least 21 days before the due date to allow consumers sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out 21 days prior to the due date. Please provide tracking #.
Consumer complaint received 2022-03-06
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 (TX)

REAL TIME SITUATION HERE REQUIRES AN IMMEDIATE RESPONSE : SIMPLY! 
THIS CONSUMER OF BANK OF AMERICA SINCE XXXX DESERVES AN HONEST EXPLANATION : TODAY IS XX/XX/XXXX. 
PAYMENT ISN'T DUE UNTIL XX/XX/XXXX. 
WHY HAS BANK OF AMERICA PREMATURELY ADDED {$13.00} TO MY CURRENT BALANCE WHEN THE CYCLE DOESN'T END UNTIL XX/XX/XXXX??? 
HERE IS THE MATH : STATEMENT BALANCE XXXX CURRENT BALANCE XXXX MADE PAYMENT OF XXXX ON XX/XX/XXXX, XXXX 
BALANCE NOW SHOULD BE XXXX, AND NOT XXXX. 
XXXX HAS BEEN ADDED BEFORE THE CYCLE CLOSED : I INTEND TO MAKE ANOTHER PAYMENT BY THE CLOSING DATE, SO PLEASE EXPLAIN THE XXXX.!!!!
Consumer complaint received 2021-02-15
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: AES/PHEAA (WA)

In XX/XX/XXXX, I paid off the full principal on my AES loan as it appeared in the online portal : Payment Amount : {$5000.00} Payment Date : XX/XX/XXXX Since this time, I have continued to receive email bills from AES for {$0.00} each month. When I searched the AES website for why this was happening, there was no option to payoff or finish the loan. The loan did not show a balance in the online portal. In XXXX of XXXX, five years later, AES charged me {$95.00}. I would NOT have left the loan with a {$95.00} balance if I knew that amount was still owed. I did not receive any mail notices for the bill. I received an email but it looked the same as all of the {$0.00} bills I've received for 5 years, which my email account filed to spam. I didnt know about this bill until I checked my credit score for a loan application on XX/XX/XXXX, six months later. When I logged into the AES portal, the payment history confirmed what I remembered : that I paid the full principal as it appeared in the portal. Unfortunately I do not have screenshots of this because AES has since removed my payment history from the online portal ( because I closed the loan ). 

On XX/XX/XXXX I paid this bill in order to stop the bill from damaging my credit more than it already has, even though I'm still unclear as to why this remaining balance wasn't visible in the online portal.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

As provided by the Fair Credit Reporting Act, I am disputing the following inaccurate personal information that does not correspond with my legal documentation ( see attached ). These inaccurate versions of my name and address are creating confusion with my creditors and lenders to whom I have submitted applications because the information contained in your records does not match my personal credit identity. This is a formal request to remove the following inaccurate information from my report. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. According to the fair credit reporting act 12USC 1681. I have the right to privacy. These are clear violations of my federally protected consumer rights. 
Remove all these versions on name : 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 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 2019-09-16
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. (GA)

Since XXXX of XXXX I have been disputing an account with Equifax for fraud and submitting documents to support I keep getting the same answer back. Back in XXXX I was a victim of identity I was also a victim of the breach with Equifax. I file a dispute in XXXX for XXXX XXXX XXXX the account was open under fraud I sent a copy of the police to the company and Equifax which both told me they would investigate and have it remove from my credit file month after month Equifax ask for more documents and continue to find the account valid I call today to dispute it again and they refuse to file a dispute took me thru all theses questions to pull my file just made it very hard when that the type of customer they to use to proven fraud
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Flexible Finance, Inc. (CA)

Hello my name is XXXX I am filing a complaint because Im getting evicted due flex  loosing my half of rent of XXXX. I tried contacting already flex but nobody reach back to me everything is under email. I paid through flex  XXXX and XXXX in money order. XXXX thats the money that never went through I dont know what happened and Im very worried to stay in the streets I have an XXXX XXXX XXXX  and my XXXX XXXX XXXX kids. I pay my rent on time every month
Consumer complaint received 2022-09-02
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: WELLS FARGO & COMPANY (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. WELLS FARGO CARD SER XXXX Date Opened : XX/XX/2017 Balance : {$8600.00}
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

Following the Biden Administration 's announcement about student loan forgiveness, I contacted EdFinancial to inquire about a refund for student loan fees I have paid since XX/XX/XXXX. On XX/XX/XXXX I called and waited on hold for more than XXXX hours to speak with a representative. During that call I asked about the process for requesting a refund and was told that it would take XXXX months for the refund to be processed. I asked for clarification on how this would affect my ability to receive the student loan forgiveness, and when my loan balance would be reinstated. EdFinancial could not give any answers, and then the call dropped. EdFinancial did not make any attempts to call me back. During that call I also asked EdFinancial to please confirm to me the amount I had paid since XX/XX/XXXX, and EdFinancial could not confirm the amount and did not even attempt to do so. ( My loan was transferred from another provider, XXXX in XX/XX/XXXX, and my payment history for more than a decade prior to that no longer appears in XXXX  and does not appear in my EdFinancial account. ) On XX/XX/XXXX I called again and waited to be called back. EdFinancial did not call me back the entire day, or any day after. I then used the customer service chat feature and spent XXXX XXXX speaking with and waiting for responses from another representative. This time I was told it would take at least XXXX business days for the refund to be processed. I again inquired about when my balance would be reinstated, and EdFinancial did not know. I then asked whether I would be provided written confirmation of 1 ) my refund request 2 ) the amount to be refunded 3 ) EdFinancial 's guarantee that my balance would be reinstated before the student loan forgiveness was processed, and 4 ) that I could cancel the refund request at any time before it was processed. EdFinancial told me they could not provide anything in writing.

I understand that EdFinancial, like other loan servicers, is trying to implement major changes due to the announcement ; however, as a customer, this refund timeline appears to be much, much longer than that of other loan servicers, and it is extremely concerning to me that EdFinancial could not even tell me my payment history or give me enough information to make an informed decision about whether to request a refund.