davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
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. (IA)

On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

To Whom it may concern : On XX/XX/2018 we rented a compact car from XXXX XXXXXXXX in XXXX XXXX. The rental fee amount for the duration of the rental ( 10 days ) was paid in cash, in order to get a lower rental rate. Per our contract attached to this document, there was a rental refundable deposit charged to our card in the amount of XXXX XXXX pesos, plus {$1300.00} added to cover rental fee difference, due to cash shortage at the time of the rental. 

On XX/XX/XXXX, the vehicle was returned with no damages or fuel charges. We were told the deposit would take approximate 2 weeks to show on my credit card. On XX/XX/XXXX, per merchant request a copy of the contract was transmitted over " XXXX '' application and agreement was reached to refund deposit in the amount of XXXX. Per merchant " XXXX '' communication, attached to this email, the refund was going to be issues on by Friday that week. Per " XXXX '' chat transcript attached to this email, the merchant agreed on returning deposit by Friday XX/XX/XXXX end of business day. So far we have not received the refund. 

Today, we contact them again and were told that due to an internal government and bank fraud investigation all funds have been frozen pending an investigation. 

Citibank has closed the case on me twice and have not provided a credit to our account.
Consumer complaint received 2023-03-21
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)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes I am not dispu
Consumer complaint received 2023-03-21
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2018-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

In the state of California, the statue of limitations to collect on a debt is 4 years. There are 2 accounts from XXXX XXXX that are reporting on my credit report : 1 ) Account # XXXX Date Opened XX/XX/XXXX 2 ) Account # XXXX Date Opened XX/XX/XXXX XXXX XXXX responded XXXX The law limits how long you can be sued on a debt. Because of the age of debt, we will not sue you for it. '' Also, I have disputed these accounts several times asking XXXX XXXX for physical verification. I mailed all letters certified mail with signed returned receipt on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I requested a copy of the contract with my signature that says I agreed to pay them for this debt. I do not have a legal agreement with XXXX XXXX to pay this debt and I asked them several times to remove these accounts from my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay them for this debt, they must REMOVE both accounts from my credit report. 

XXXX XXXX has responded by sending me old credit card statements from the original creditor. Statements are not sufficient in verifying debt. The law states you must provide the original contract with my signature. XXXX XXXX has and continues to violate my rights according to the FCRA.
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

On XX/XX/2018 - I disputed this debt in writting with AR Resources , Inc . This medical debt, is from XXXX XXXX XXXX XXXX. I have never received treatment of any kind from this group. This is either mistaken idenity or the result of fraud. I suspect, fraud. A woman was using my personal information fraudulently. Either way, I was never treated by this medical group. And want them to stop reporting this inaccurate information to XXXX   consumer credit.
Consumer complaint received 2018-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

On XXXX XXXX, 2018 I tried accessing my online banking with Bank of the West. I encountered a verification communication that I was required to agree to, unconditionally and ongoing or not be able to access my account. I was not willing to agree to the demand and have now been unable to access online my business or personal accounts. After getting no result with phone customer service, or from the folks at the branch where I bank, I did some research and got the name of the bank president and figured out her email address and sent her a direct communication, as no one under her had been able to help me. I received an anonymous response from an associate of hers saying my complaint was forwarded to compliance and I'll hear back from them within 5 weeks. I wrote back that was not acceptable, as my business is in high season and now my livelihood was on the line, could they please help. I received a call from the online department who was able to bypass the verification block by having me reset my security questions, which allowed me online access at that time. However, I am still blocked. If I want to get online I must call and connect with the online department who then bridges the gap. The communication policy now being required offers no options other than unconditional release of my phones, email and other devices to receive unscreened, unsolicited communication of any sort, at my expense from their outside vendors and independent contractors for an open ended purpose. No guarantee that those vendors won't pass along the information either. HERE IS A COPY OF THE AGREEMENT I COULD NOT ACCEPT.. notice the term " for other reasons '' which leaves the door wide open.. 

By entering into an agreement with us, you expressly agree and consent that we, any of our affiliates, agents, independent contractors or service providers : May monitor and record telephone calls to assure the quality of our service or for other reasons ; May use written, electronic or verbal means to contact you ; and May contact you by using any email address or any telephone number you provide, including a telephone number for a cellular phone or other wireless device, regardless of whether you incur any charges as a result. 

By your entering into an agreement with us, you are expressly consenting to, without limitation, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails and/or automatic telephone dialing systems regarding any current or future accounts, loans or other banking services.
Consumer complaint received 2018-11-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.
Consumer complaint received 2018-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (WI)

BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have sent a debt validation letter to XXXX XXXX XXXX XXXX  and did not receive the proper proof that any of these accounts are valid or mine they didn't send any original paper with my signature.They had 30 days and they only sent a bill paper I sick of this company and putting my credit down.Something needs to be done!
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I want FIRST NATIONAL BANK OF OMAHA to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that FIRST NATIONAL BANK OF OMAHA remove all information from my credit report, I was never given the opportunity by FNBO to opt of credit reporting.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Account is result of an identity theft, I have no knowledge about the account filed with Bank of America with the amount of {$310.00}, XXXX listed under my credit report. Issue was brought up with the bank 4 times already without any solution.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original  signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXXXXXX XXXX   continues to violate my rights according to the FCRA. 

XXXXXXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXXXXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.
Consumer complaint received 2018-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

My account currently has a negative balance because of an overpayment by a third party. According to regulation Z they are required to refund this overpayment to me within 7 days following my request. After waiting for the seven days, they informed me they need more information to process the refund : a letter from my bank stating I did not request a return of the payment or place a stop payment on any payments to them. Otherwise the wait period for the refund extends to 21 days. I asked them what regulation or law they are using to justify this and they said their own regulation.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Onity Group Inc. (LA)

I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In XX/XX/XXXX, I received a letter from Capital One explaining that after an SCRA benefit was attached to my account, my interest rate was lowered to 4 % and that they now owed me {$780.00} dollars. I called them and they said they would mail the check out to me then, and it would take up to 10 business days to receive it. 3 weeks go by and I call back again. During that phone call, Im advised that they havent sent the check because my account needs to be in good standing for 3 months and that they, will send my refund check of {$780.00} dollars in XX/XX/XXXX. I call back in XX/XX/XXXX and Im advised that my account is in good standing and they will release the check to be sent out on the XX/XX/XXXX and that it will be 10 business days maximum. I call back in XX/XX/XXXX and Im told I shouldnt have waited so long for a check and they will reissue another one that day, and to wait 10 business days again. I call again on XX/XX/XXXX and Im told its been sent snail mail. It is now XX/XX/XXXX and I called again a few days ago and Im being told to wait. I have received all my monthly statements but this check is magically missing. It doesnt make sense, and I would like this looked into. I have asked on multiple occasions Ive asked for the check to be overnighted, and was told that was not an option.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have rewatched out to all credit bureau about disputing items. XXXX and XXXX have Deleted numerous of things that could not be verify but experian has everything on my credit report as negative and five of them are actually in good standing. Experian never verified any documents stating that those accounts belong to me. I sent experian certified letter after letter and they will not fix this problem.
Consumer complaint received 2022-03-30
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. (NC)

I checked my Equifax and noticed a collection that did not belong to me. The collector was XXXX XXXX and the original Creditor was progressive. I called proggressive and it was verrified by an agent that this collection was not mine. There is an accont with similar Information but not my account. I contacted the mixed accounts department with Equifax and they did not do anything about this matter. I had XXXX points deducted from my credit profile for an account and hard inquiry that do not belong to me.