davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by Navient and unfair and unjust lending service and standards. Navient broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on Naviet 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. Navient had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. Navient in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a SallieMae student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. Naviet sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by Naviet . Navient had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. Navient broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with Navient . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for Navient at a 4.5 percent rate. In addition, Navient Student loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
Consumer complaint received 2019-06-27
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. (SC)

I HAVE NOTICED I HAVE MANY INS on XXXX INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE I UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.OR CERTIFIED ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, METRO2, & ACCOUNTING RECORD,426-CHARACTER P6 STATEMENT,5 PART PERSONAL.DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS (AZ)

XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was looking over my account one day and noticed there was a charge on my bank of america account for {$12.00}. Upon further investigation, I noticed that the same XXXX charge was appearing on my account, MONTHLY. I recognize the company that was charging me, however, I personally DID NOT authorize the charges. I disputed all of the charges for {$12.00} on my account. Which had been occurring since at least XX/XX/2018 according to my bank statements. I had specifically told Bank of America that I did not authorize those charges. The merchant is XXXX. I told Bank of America that I have an XXXX.XXXX account however I have a Basic membership to the site. A basic membership is a FREE account. XXXX.XXXX  does not have any of my bank information linked. I sent Bank of America proof of my account with XX/XX/XXXX, attached with the proof that it is a free account and that my banking information is NOT associate with my account. 
The problem is, I have a work computer that multiple people have access to and I have used my debit card information on my work computer, my banking information may have been saved on the work computer at some point. So I explained all of that to Bank of America and reiterated to them that I DID NOT AUTHORIZE THOSE CHARGES but there is always a possibility someone at my job could have come along the way and used my banking information to pay for their own XXXX.XXXX  account. Which to me is robbery and/or FRAUD! 
Bank of American sided with the merchant and said I made those charges and refused to give me my money back. They took well over {$300.00} from me. I told them multiple times and sent the proof that I have a free account and XXXX.XXXX  does not have my banking linked to my account. I asked MULTIPLE times for Bank of America to send me proof that I authorized those charges and they have not sent me one single piece of proof. Bank of America has not sent me any notices of the proof they have that I authorized the charges from XXXX BECAUSE I DIDN'T!!!!! 
The most recent BOA employee I spoke to refused to allow me to reassert my claim! 
I did not authorize any of those {$12.00} charges, bank of america has no supplied any documentation to show that I made the charge and the merchant ( XXXX ) has not gotten back to me! I requested this proof multiple times and still nothing has been done. This bank has not protected me or my funds and allowed me to get robbed.
Consumer complaint received 2018-04-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

In regards to my complaint number XXXX, I haven't had the chance to respond. 

First, experian said that 2 of those account are not reporting at all, if so please clarify which 2 accounts, as I see 4 accounts reporting.

Second, based on the FCRA if one is a victim of fraud a CRA is then allowed " ONLY THEN '' to not only remove the fraudulent account but has a legal obligation to also BLOCK THE CREDITOR from reporting it!!

Third, you mentioned you verified that it's accurate. We'll if so please describe what it is that you verified, and what's your description of Identity theft is? OF COURSE THESE CREDITORS RESPONDED WITH STATEMENTS SHOWING IT'S ACCURATE, AND I BELEIVE 100 % THAT THESE ACCOUNTS WERE REALLY OPENED ON MY NAME, ADDRESS, SOCIAL, AND DATE OF BIRTH!!!! 
WHAT DO YOU THINK THEFTS DO??? 

YOU THINK THEFT ARE THAT STUPID, AND YOU THINK BANKS ARE THAT STUPID TO OPEN AN ACCOUNT IF NOT ALL INFORMATION MATCHES. 

BASED ON THE FTC, 90 % OF PEOPLE FIND OUT THEY ARE VICTIMS OF IDENTITY THEFT MORE THAN A YEAR LATER. 

I WILL BE FILING A SEPARATE COMPLAINT REQUESTING PROOF OF THE 2 ADDRESSES WHICH ARE REPORTING IN MY REPORT AND HAS ABSOLUTELY NOTHING TO DO WITH ME. FURTHER WILL I INCLUDE IN THE COMPLAINT HOW YOU WERE ABLE TO GET 3 NAMES ON MY REPORT, AND I WILL ATTACH PROOF THAT YOU RESPONDED MORE THAN 30 DAYS LATER AMONG, OTHER VIOLATIONS.
Consumer complaint received 2020-11-08
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. (PA)

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian  have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XXXX  and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Consumer complaint received 2015-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (NJ)

Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler Law Office of XXXX, NJ has been hounding me for a few for years about a debt they did not specify the amount of & more importantly that did not belong to me. I have never personally had an account with the XXXX. I recently received a summons to appear in court as they have filed a suit to garnish my wages. They are referring to a XXXX credit card account I co-signed for my mom 15 years ago. In XXXX, this XXXX account was charged off in a Chapter XXXX  Bankruptcy filed by my mom. I explained this to them in writing providing them with all the applicable information ( filing/docket #, court address, etc. ) regarding the bankruptcy & submitted a copy to XXXX County Court 's Special Civil Part Dept. as well. 
In the letter, I also requested a mailed copy of the original signed agreement for this debt. & to cease contacting me until they provided it. Pressler & Pressler never acknowledged nor sent the requested info. However, a paralegal from the firm who recently contacted me via phone asking to make a payment, did confirm they had received the letter. Instead, they ignored it & insisted on demanding me to pay by any means, if that means garnishing my wages. 
In XXXX, they unknowingly garnished money from a XXXX  XXXX XXXX account that I was not an owner of but put on as a secondary cardholder. I addressed this to them and asked why I did not receive any notification that this was going to happen & more importantly they are wrong because I do not owe anything. I am sure that is illegal, isn't it? They blatantly ignored it & continued with the harassment.
Consumer complaint received 2016-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WA)

My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.
Consumer complaint received 2021-02-16
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. (MA)

CFPB, This is my fourth dispute over the past couple of months I have file in regards to Equifax, XXXXXXXX and XXXX violations and none compliance of the Fair Credit Reporting Act. Equifax, XXXX and XXXX continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. Equifax continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to Equifax most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to Equifax. 

CFPB, Equifax in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to Equifax, XXXX and XXXX through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with Equifax and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. Equifax knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

When Stewart Zlimen & Jungers first contacted me they didnt send anything about the debt, I told them I am XXXX XXXX live on 112 % XXXX and have been having major issues with my health. I supplyed them with info about my ssdi and told them I have nothing of value. I also asked that they stop contacting me all together and asked them to provide what should have been sent within 5 days of contacting me. Thats the only response I wanted as I have been having major health issues and am on 11 medications and have been sick for 26 years. 
I also have XXXX and then the wife and I are home on a saturday and there is a knock at the door we opened the door to find a server serving me with a lawsuit, or what appeared to be. 
Again no information on where this came from I wrote a response as best I could with the info I had. This was not what I asked of them I asked that they not contact me. After the answer I then got more stuff asking me toi call and discovery. ' Thats when I told him I needed to get ahold of legal aid. 
I did and they informed me that this was no lawsuit nothing filed in the court in my county and it stated atempt to collect a debt. So after I told him what was going on and asked to not be contacted serves me with a fake lawsuit like legal aid said he was only harassing 's me me which I didnt need The name of his firm is not him and the people stewart no lawyer license same with the other 2. I am not even sure who it is that is contacting me and harassing me and my wife. The server made entry into a secured building without even buzzing us. I am not sure how he forced his way into the building. Debt collectors by order of the Governor XXXX were not to be collecting or trying to collect debt at this time. And a no garnish is still in place. My funds are not able to be taken anyhow. This debt is from XXXX. 
A junk debt buyer.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PLANET HOME LENDING, LLC (FL)

Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

FedLoan Servicing manages my student loans. As a XXXX XXXX XXXX I am participating in the Public Service Loan Forgiveness ( PSLF ) Program. I submitted the appropriate paperwork to demonstrate that I have made 30 qualifying payments for each of my two loans. I submitted the PSLF certification paperwork on XX/XX/XXXX. I received a statement on XX/XX/XXXX stating that one of my had only 19 qualifying payments and the other had 23 qualifying payment. 

I contacted FedLoan Servicing via email on XX/XX/XXXX and I specifically asked FedLoan Servicing to let me know which months in the 30 month period did not meet the qualifying payment requirements. In response, FedLoan Servicing said in an account statement dated XX/XX/XXXX that one of my loans has only 25 qualifying payments credited, the other only 27 qualifying payments credited. Not only are the qualifying payments incorrect, I have not been notified which months in the 30 month period, do not qualify for PSLF.
Consumer complaint received 2022-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (ND)

XXXX had made an error on a mobile phone account, billing me for over a year as XXXX phones and XXXX mobile lines, when i only owned XXXX phone and XXXX mobile line. They admitted fault and said it was an issue on their end, and stated I don't need to worry about the false charge and it would be taken care of after over XXXX hours of customer service calls trying to get to the bottom of it. Then they sent it to collections with these Jefferson capital folks apparently, instead of covering their wrongdoing. Now the Jefferson capital folks are wrongly reporting a debt on my credit report. This started over 5 maybe 6 years ago
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.