davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

From XX/XX/XXXX until XX/XX/XXXX I attended XXXX XXXX XXXX XXXX location. The school did not properly provide the advertised accreditation. They are now closed for business. They over priced the education that we received and can not use the degree we earned.. as falsely advertised. I owe Sallie Mae/Navient {$82000.00} with payments of {$720.00} that I can not afford. I need help and dont know what to do or how to go about it. This school was in a lawsuit and so was the lender. Can someone please help me.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TN)

In late XXXX I got behind in my payments on a home loan with Wells Fargo due to financial hardship. I applied to have my loan modified and it was taking several months. I was told not make a payment until it was finished. In XX/XX/XXXX I went on XXXX XXXX orders with the XXXX XXXX XXXX and continued to try and get the loan modified. I was told that I would be put on a deferment and make a partial payment, despite wanting to just have the loan modified and move forward. I started the process again in XX/XX/XXXX and it wasn't until the spring of XXXX that I was told I did not qualify for loan modification. I was told my home would be foreclosed unless I could pay the balance. I asked if I had any other options and, for the first time, I was told I could sell the home. I was able to sell it a day after it went on the market and pay off the loan in full. However, this has had a very negative impact on my credit report. I recently found out that I should have easily qualified for a loan modification due to my military status. I feel I was not completely informed, especially in regards to being able to sell my home.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

Company posted negative false report on my credit report. I never had said account and I have reported it as false identity and notified credit bureau and collection company. Date opened on credit report XX/XX/2018, last updated XX/XX/2018 on my credit report. Amount that is stated that is owed is {$490.00}. 

I have disputed this with credit bureau and with collection company and notified them that i never had this account.
Consumer complaint received 2019-11-13
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: Idaho Housing And Finance Association (ID)

My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OCEANSIDE MORTGAGE COMPANY (FL)

On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and yard sustained minor damage, but enough to need money to fix. Oceanside Mortgage sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from Oceanside Mortgage asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX  during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX  credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted Oceanside Mortgage and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with XXXX. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from oceanside mortgage '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (FL)

I have been making payments on a medical bill from XXXX Hospital XXXX. The original balance was XXXX. I have XXXX left to pay. 
The last payment I made cleared my account on XX/XX/18. I had one more payment to make. The collection letter for the last payment is dated XX/XX/18. 
I understand that XXXX Hospital is exempt from the Fair Debt Collection Act. This is very wrong. If a person is attempting to make payments in good faith, they should not be permitted to sell my account. It is clear that the individual person thst worked my account was able to make the decision not to send my account to collections but nastily chose to do so. Now I am in jeopardy of receiving a bad debt on my credit report when I have been paying the bill. How is that fair to me?
Consumer complaint received 2019-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AR)

I have federal student loans through Navient. I noticed my entire payments were going to interest and my balance was not getting smaller. I went to the website to see a monthly statement. there is no monthly statements available. there is no explanation for how the monthly payment is being used toward my loan or how much interest is accruing monthly. I called ancient to request a monthly statement. I want to know how much I need to be paying each month so I am covering the interest and paying down the principle. I could not get any answers. they could not even tell me what my balance was at the beginning of the month. there is a large amount of accrued interest. I am trying to find out how to get this back under control so I am not getting further behind. I could not get satisfactory help. this does not seem legal to not be able to get a monthly payment or find out how your payment was allocated.
Consumer complaint received 2019-01-07
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. (CA)

I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX  XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX/XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX  XXXX XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX  XXXX, ACC XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

My credit card payment is due on the first i usually pay it the day before or on the first. I paid both my credit cards on XX/XX/XXXX. My XXXX XXXX card with barclay did not post my payment i got charged {$25.00} late fee and {$16.00} interest. I have requested that they please refund those charges. update their system and do not report this against my XXXX credit score. I am awaiting their response.
Consumer complaint received 2019-01-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (AZ)

Navient violated my consumer right by contacting a non relative and giving information to them where I work and if I was related to this third party. Under The Fair Debt Collection Practices Act ( FDCPA ) expressly regulates calls to third parties in 15 U.S.C. 1692b ( 3 ), stating that a debt collector shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information. the debt collector which is navient has my contact information and should not be contacting anyone or giving my personal information out to non relative I have screen shot of them giving my information out with a reference # to this third party I am getting a attorney to lookat this case.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (IN)

On or about XX/XX/XXXX and XXXX I received alerts that my Fico scores had dropped almost XXXX points due to a debt collector XXXX Common Wealth Financial Systems ) reporting I owe them for an outdated debt. XXXX ) The alleged debt is past the statue of limitations. XXXX XXXX The alleged debt is past the legal reporting date. XXXX ) They never validated the outdated alleged debt. XXXX XXXX They maliciously reported it to the 3 credit reporting agencies expeditiously as a way to extort money even though they are aware that the debt is outdated to do so.
Consumer complaint received 2019-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems (AR)

ONCE AGAIN MIDWEST RE-INSERTED THEIR ACCOUNT BACK INTO MY XXXX CREDIT REPORT AGAIN! WE HAD A SETTLEMENT AGREEMENT NOT TOO! ALSO COLLECTING ON ZOMBIE DEBT 6 YEARS IN ARKANSAS.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....
Consumer complaint received 2018-09-09
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: EQUIFAX, INC. (TX)

There are 2 credit inquiries on my Equifax credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with Equifax and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to Equifax to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

The debt was written off in XXXX & is no longer on my credit report, after SIXTEEN YEARS. 

Out of nowhere, I get a letter that I owe LVNV {$1400.00}. In the same letter, they state that because the debt is SO OLD, they cant legally sue me for it ( I never entered into a legal contract with them in the first place, so it is NOT MY DEBT ). 

And they state that they can not report this fake outstanding debt to any credit reporting agency. So what are they harassing me in the first place? 

My credit score is close to 800 for the first time in my life, and Ill be XXXX  if Ill let these XXXX ruined something thats taken my entire adult life to achieve.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

There is another person by the name of XXXX XXXX same birthday XX/XX/1990 and every time an employer runs my background check her profile and criminal record shows up like its mine she live in Florida in XXXX XXXX and I currently reside in XXXX county I lived in Florida but never in XXXX and in XXXX XXXX and I once was arrested for a fugitive warrant for this individual and it was dismissed because they saw it was the wrong person.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

Ok so on XX/XX/XXXX my current debit was charged a XXXX dollars that I did not authorize and the charge was from cashapp I showed them the transaction and I was told there was nothing they could do and to consider my claim closed
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NJ)

It is my mortgage and the fraud on these loan modifications! I found out my 30 year mortgage is now extended over 40 or more. Years?? I moved in XX/XX/XXXX. I am XXXX now. I can not lose my equity i always paid and battled 2 XXXX  which made me eligible for loan modification. However! 3x I was increased and the servicer added extensive years and fees when I was just 30 days late or maybe in XXXX with a major water emergency which I paid XXXX in excavation outside my condo. Not even my responsibility. But since XXXX I lost XXXX net a year overpaying! Taking all my savings and to be trapped in yet another mod for crazy number of years. It stole my equity! It took my mortgage out where I will be stuck in my XXXX paying! No! These services are all doing it wrong and this is why there are so many complaints. I know the law as a XXXX XXXX XXXX. I saw it happen to my customers and it is now happening to me! I was very XXXX  on XXXX XXXX past 6 years. I am finally well and addressing all these mistakes. They must correct my account. My home was only XXXX 20 years ago I put XXXX down. I refinanced only one time in XXXX to pay XXXX in credit card debts. I never took any cash out. Ask XXXX XXXX to tell you my loan balance and see what now mr cooper repeating the same mistakes that seterus who close their doors and prior XXXX They all fraud. I am living proof and it ends here!! 20 years of equity and why am I am homeowner losing???? Unacceptable tactics and must be corrected. I am not going to be able to keep up this pace and be stuck paying in my XXXX from owning my home at XXXX now XXXX! They are robbing home owners on these loan mods they are transferring names and repeating the same crooked tactics the services and banks robbing home owners. It must end. I have a claim in with XXXX XXXX I opened a case. I will take this to the news if we don't correct it. Also I want my modification of XXXX or XXXX back enough once I found out my class action only paying each home owner XXXX when I lost XXXX that was needed for my savings and the number of years when I was on time for all 20 years maybe one month late. It has to be updated and corrected!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

CAPITAL ONE FINANCIAL CORPORATION per the FAIR CREDIT REPORTING ACT is OBLIGATED to report accurate accounting, Consumer has advised ALL inquiries reported are fraud. CAPITAL ONE FINANCIAL CORPORATION is liable under the SEC to follow specific regulations. CAPITAL ONE FINANCIAL CORPORATION Commission File Number Commission File No. XXXX CAPITAL ONE FINANCIAL CORPORATION XXXXXXXX XXXX XXXX XXXX, XXXX, Virginia XXXX Capital One Funding, LLC, a limited liability company formed under the laws of the Commonwealth of Virginia on XX/XX/year> and a wholly-owned subsidiary of Capital One Bank ( USA ) , National Association XXXX is the depositor of the issuing entity. Capital One Funding also structures the issuing entitys transactions. The address for Capital One Funding is XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Virginia XXXX and its telephone number is ( XXXX ) XXXX. Capital One Funding is the transferor under the Capital One Master Trust. As the transferor under the Capital One Master Trust, Capital One Funding purchases from Capital One Bank ( USA ) , National Association and may purchase from affiliates of Capital One Bank ( USA ) , National Association receivables arising in credit card accounts owned by Capital One Bank ( USA ) , National Association and its affiliates. Capital One Funding may then, subject to certain conditions, add those receivables to the Capital One Master Trust. I will be filing IRS form XXXX to audit consumers account. CAPITAL ONE CORPORATION is securitizing consumers accounts.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

USAA has been charging me dozens of Returned Check Fees. I always pay USAA through online transfer from my different banks checking account, but so often it takes days before the payment is posted. This leads to me thinking I have more money in my checking account days after paying my CC bill, because the CC payment was slow on transferring my CC payment. Ive tried on multiple occasions to call before the payment is posted, and before receiving a RCF, but the always tell me its not their fault so they wont return any fees. Ive payed hundreds in fees with a {$500.00} limit CC. Because of these fees throughout the last 3-4 years I am over my limit 200 % and my credit is affected. USAA customer service has been very short and rude throughout these years. Ive been hung up on, and continuously transferred to multiple wrong departments. No compassion and no reasonable middle ground is given. Me, being a XXXX veteran and single father of a XXXX cant seem to get ahead of this and my credit, and therefore our lives, have greatly suffered due to this.
Consumer complaint received 2020-09-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (GA)

In accordance with Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia, Please provide the following documentation : -Proof of repossession -A copy of the notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer - Letter of sale at auction
Consumer complaint received 2019-01-19
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. (CA)

XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX along with a notarized affidavit claiming fraud. XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX to close their files which have any information with my name & social on it ...
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

I need help understanding this please. Im a bit dumbfounded by how you were able to verify this negative item ( bankruptcy ) on my credit report, where I personally called the court and received the letter as shown attached that they do not verify or provide information to the credit bureaus. How is it possible you stated that you verify this item and haven't removed it from my credit report? Correct if I'm wrong, but according to the provisions of FCRA, a reasonable investigation needs to be conducted in order to respond as " VERIFIED/ACCURATE ''. Again, can you please look into this and immediately remove this ....