davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Every year when it comes time to recertify for an IBR, Navient will give me a specific number that I have to repay. Sometimes it has to be recalculated, because my wife also has student loans to pay back, and every year, they fail to include her loans. I always send my tax statements as proof of income. Every year they manage to flub the process up. This year in particular, when recertifying, I was given a payment of {$160.00}, and then in an email, I was given a payment of {$200.00} ( XX/XX/XXXX email ) and then when I went to make my payment on Thursday, XX/XX/XXXX, the payment says {$270.00}. I called Navient, yet again that same day and was put on hold for a supervisor and was hung up on or disconnected. I called back, again, and got a supervisor on the phone, who allegedly ran the numbers and told me that was the final amount ( {$270.00} ) and they could not go any lower. I explained that this isn't feasible because of my wife 's student loans ( she has to recertify this month and she goes through the same thing each year ) and because of all of our other bills, mortgage, car payments, bills, insurances, child care, etc, and the supervisor refused to budge and would not assist me any further. This happens every single year with these people. In viewing the lawsuits against Navient, I see that this is a common practice of theirs, in refusing assistance to those who can not afford the amount they set.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (MA)

I did agree to set up a payment plan or settlement but the person told me I had to pay the full amount at that time or wait til I receive the letter in the mail to go to court. He told me that I would have to pay it all at once when I try to settle it. Debt owed {$620.00}
Consumer complaint received 2023-01-10
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)

I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below be removed because According to 15 USC 1681 : I have the right privacy and I did not give XXXX written permission to furnish these accounts : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Payments Check Services, Inc. (MT)

THIS IS A DUPLICATE ENTRY TO XXXX XXXX WHICH I ALREADY SUBMITTED A COMPLAINT REF XXXX. IT IS AGAINST THE FCRA TO DUPLICATE REPORT DEBT. SINCE THIS WAS SOMETHING THAT I ORDERED AND CANCELLED AND PAID ANYWAY AND SINCE IT IS A DUPLICATE IT NEEDS TO BE REMOVED
Consumer complaint received 2019-08-28
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. (TX)

I do not have the date, but when I recently called the phone number in the letter from XXXX XXXX XXXX, the representative could not tell me why my credit was run without my permission as evidenced in my Experian credit report. After writing Experian, the item has been removed but I want to file a complaint for this should not have happened.
Consumer complaint received 2023-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX  account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This company calls me about 2 times a day once in the morning and once in the evening. It all started last month when the final closing time for that specific credit card debt was to fall off my credit report. And even since it has fallen off they will not stop calling. This company calls from all over the U.S with different phone numbers. I have even had to block a few.
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I was making diligent automatic payments from my bank to Sallie Mei on my Federal student loans, but when the loan accounts were transferred to Navient, late fees started accumulating because Navient changed loan due dates.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

Yet again, on XXXX XX/XX/2019, Suntrust has arranged charges in such a manner that they managed to drop my account below XXXX. I have brought this grift to light many times and yet Suntrust continues to act in bad faith and steals my hard earned money. Suntrust deliberately adds and subtracts charges until they can pile enough at once to drop a balance below XXXX. It is calculated and it is fraud, plain and simple.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Friday XX/XX/XXXX I went to the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX to make a deposit to my Savings account. I was making one deposit that consisted of {$11000.00} in cash and a check for {$690.00} ( for a total deposit of {$12000.00} ). My receipt shows a total deposit of {$12000.00}, my deposit slip online shows a total of {$12000.00}. 

The next day Bank of America posted an " Adjustment/Correction Of Posted Item '', debiting my savings account by {$350.00}. After reviewing all of my documentation, there is absolutely no reason for them to have taken this money out of my account. After repeated calls to customer support, the individual branch, and the Fraud department, Bank of America still can not tell me why they have taken {$350.00} out of my savings account. I had a Fraud Claim opened up as well as a request to fix this mistake and Bank of America is doing absolutely nothing to resolve this. I need this {$350.00} debited back to my account.
Consumer complaint received 2019-10-05
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: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITY BANK/XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-05
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. (UT)

" New Issue '' Experian is NOT sending the police reports to XXXX in their investigation. There is a XXXX account that should been DELETED due to it being closed due to a fraudulent balance being reported. Yet it continues to remain on my credit report. XXXX XXXX is violating the law by not abiding the police reports. Violating the law under the Fair Credit Billing Act and Truth in Lending Act. Experian is now in violation by not removing this account.
Consumer complaint received 2019-10-05
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: EMCC Holdings, LLC (OK)

We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Since XX/XX/2016 I have been paying my student loans to NAVIENT. I have never been so upset and am genuinely concerned about the fact that my loan balance is getting astronomical and the amount of monthly payments is just not realistic. I have called and have asked NAVIENT repeatedly over the years for help and guidance only to learn that I have been misguided and given the run-around. In a phone call today I was told I was in mandatory forebearance for 1 year. I have come to find out that this is a blatant lie on their part and I should talk to someone else at NAVIENT. I have wasted several hours today ( of which I have taken a personal day from work to try and accomplish ) only to get nowhere at all. Can someone please help me or guide me as to what I can do.? My loan balance is well over $ 200k and this is causing me stress on a daily basis- I am concerned for my future regarding my credit and finances. I have always have had excellent credit and was told today I was declined for a XXXX Credi card Please help me ASAP Thank you
Consumer complaint received 2019-10-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

" NEW ISSUE '' PRA pulled a Hard inquiry on my credit report on XXXX XXXX without authorization or permission from me this is illegal. Now it showing the removal of the inquiry ( This inquiry could stay on your report untilXX/XX/XXXX. ) has to stay on my report for 2 years.I need this inquiry remove immediately. Cease all pulling of my credit reports. Anymore violations I will be seeking remedy in Third District Court here in XXXX XXXX XXXX Utah.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (WA)

I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}. 
2 payments at XXXX and 1 at XXXX to reach the settlement amount.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with XXXX XXXX and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

XXXX XXXX acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on XXXX and Equifax which is preventing me from refinancing my mortgage.
Consumer complaint received 2019-04-11
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)

I sent this company my detailed dispute and proof on XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX XXXX had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to XXXX XXXX in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with Capital one, or that I was sued by XXXX XXXX, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and XXXX XXXX have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted XXXX XXXX mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a Capital one credit card application or Capital one collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.
Consumer complaint received 2023-06-14
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. (MI)

XX/XX/2023 I sent over a letter to the 3 credit bureaus of several accounts that were reported fraudulently and must be removed from my report. Credit bureaus has not responded at all.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i was looking over my report and i noticed that address and phone number information was inaccurate or not mines XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

I've had a hold placed on my account for 3 days!! Every time I'm on hold over 1hr and no one ever picks up the line. I've attempted to resolve 3 times with no luck. Have no access to my money
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (MI)

I had an auto accident in Michigan on XX/XX/year> which is pure no-fault insurance state. I have insurance coverage through XXXX, and the other party to the accident had insurance coverage through XXXX XXXX. My carrier paid me for the damage to my vehicle, and XXXX XXXX paid its insured her property and other damages from the accident. I believe around summer or fall of 2023, I started receiving collection correspondence and calls from Seattle Service Bureau , Inc. dba National Service Bureau ( NSB ) to collect a subrogation debt from XXXX XXXX property protection coverage of {$10000.00} that was paid from XXXX XXXX to their insured ( who was the other party to the accident ). XXXX informed me that subrogation is inappropriate due to XXXX pure no fault law. I called NSB upon receiving their first notice and spoke with an individual named XXXX XXXX. I asked him to confer with XXXX and provided him with my claim #, insurance information, and the contact information of the XXXX rep handling my claim. He indicated he would deal with this directly with XXXX going forward. I received several more debt collection calls and written correspondence from NSB from there, despite these collection calls being wholly inappropriate and illegal since each party to the accident had their own no-fault insurance coverage through their own carriers. I ignored these calls and correspondences up until about a month ago. I spoke with a new NSB rep, XXXX, who I informed I would not be paying them and to stop calling me since I had coverage and Michigan is a no-fault state. XXXX threatened to file a tort complaint against me with the State of Michigan since they had no indication I had insurance coverage and that my license would be suspended or revoked. She claimed I gave them the wrong insurance claim information when I spoke with XXXX XXXX which is not true. I then re-provided XXXX with my insurance and claim information and the contact information of my XXXX rep. I then called my XXXX rep and informed her of the distressing threats of a tort claim against me and the harassing nature of these collection calls on a debt I do not owe to NSB or XXXX XXXX. She called XXXX of NSB back and spoke with her so that NSB would deal directly with XXXX regarding their wrongful debt collection claim. This was a few weeks ago. Now, on Saturday, XX/XX/XXXX my mom who lives at a completely different address received a message on her landline from XXXX XXXX of NSB to collect the XXXX XXXX debt against me. Now NSB is harassing my family about a debt I do not owe in order to embarrass and further harass me. I informed XXXX that NSB is continuing to harass me about collecting a debt I do not owe. This needs to stop. Today, my XXXX XXXX sent a denial letter to XXXX XXXX about their wrongful subrogation claim and also spoke with a rep at NSB to inform them of the denial letter. I am concerned that XXXX will continue to harass me and my family and wrongfully put a collection account on my credit report.