davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I have been trying to get on a payment plan to pay off my student loans and they keep making it so the payments are way to high for me to pay. When I call to tell them this they tell me that I can do a forbearance and have no payments for 6 months while my interested keeps rising. All my attempts to try to get a decent payment to start paying off my loans go ignored but, they are very quick to keep putting off my payments. It 's extremely hard to get through to them and everything has to be done online and there are so many emails steps that you get to a point of utter confusion about what is happening. The payment page is the same way, I have XXXX lone that is {$25.00} and would like to pay that XXXX off but, you have to pay and wonder where they are going to apply the payment.
Consumer complaint received 2019-04-01
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. (PA)

I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in XXXX hours and as of today I have not received them.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

This issue is with CMRE Financial Services , Inc XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX I have paid off this collection account and i am currently applying for a home mortgage. I called CMRE this morning to have them take off this account from my XXXX and they said that they DO NOT take off information about the collection from any reporting agency. This was a medical bill. 

Thank you.
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

I was chatting with a woman around XXXX XXXX. on XX/XX/27 on XXXX and was trying to buy concert tickets. After coming to the conclusion that she seemed legit, I agreed to buy them and sent the payment. However, immediately after things became fishy. She told me that I needed to send another payment via PayPal because her account wouldn't work and that she would refund me. After chatting with PayPal, there was no refund received, and I got no tickets in exchange. She of course did not respond to any of my messages and PayPal can't do anything because it was sent via a friends/family payment. Please help me get my money back and convict this horrible thief. I can reach out to PayPal for confirmation and share the full XXXX message string.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Recently It was finally discovered there were two credit files that needed to be merged with Equifax. I recently filed a complaint against Equifax XXXX ... It was discovered by XXXX XXXX XXXX XXXX XXXX after contacting business equifax of the two files. I verified info last week of XXXX having them finally mergeged with the 2 loans disputed added on 1 file! Now my delima is my score represented of the change of BOTH FILES BEING MERGED RECENTLY ... PLEASE ASSIST
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

This has been the 4 debt collector Trying to make me pay a debt that I don't owe. i have dispute the same XXXX account 3 times Through the credit bureau and it was dismissed. That information keep getting sold to another debt collector harassing me.
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

the company convergent outsourcing was deleted from all 3 credit bureaus on XX/XX/XXXX it has re appeared on experian credit report file number XXXX as of XX/XX/XXXX this bill was paid by insurance they are trying to collect again the new file dispute number is XXXX with XXXX the information is not correct and it should be permanent of my report
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX  account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called Experian. I could never get out of their automated answering service. 

I finally called XXXX XXXX. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I am a veteran of the MA XXXX XXXX XXXX. When I first enlisted in XX/XX/XXXX I had in my military contract that I was part of the XXXX 's student loan repayment program. From XX/XX/XXXX-XX/XX/XXXX, all military contracts had the student loan repayment program in them. Over the span of 4 years I have done my part. I have filled out correct forms and documentation needed for the XXXX AND my student loan company to take over my student loans. For the past 3 years I have not been sent any documentation from my student loan company that this is being taken care of. According to a phone call on XX/XX/XXXX my student loan debt is now with a collection agency that I had to ask the name and contact information for because I have not been sent any paperwork or information. Every time I contact my student loan company I get the same response. They need paperwork stating my dates of service in the XXXX XXXX XXXX. I have sent over multiple forms, multiple times stating my dates of service and that I am entitled to have the XXXX pay off my loans because that is what was in my contract. I keep getting the runaround from my student loans. I know Navient ( formerly Sallie Mae ) is undergoing a class action lawsuit because of things they have done to their borrowers. They are not acting in favor of me, the borrower and creating obstacles for me. I have all documentation that they have requested. Including dates of military service and my military contract stating I have the XXXX 's student loan repayment program in my contract with the military. A veteran should not have to be struggling so hard with something like this. It is unforgivable.
Consumer complaint received 2019-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019, Transunion received an initial certified letter from me, disputing and requesting verification of various accounts reported by Transunion on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Transunion has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Transunion received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I HAVE NOT received any form of a reply or response from Transunion. 

Additionally, Transunion has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B  ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Transunion received certified mail from me on Thursday, XX/XX/2019 at XXXX, but have not replied within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

2022 - {$3500.00}, {$1500.00}, {$1400.00} {$1800.00} : Credit card company are garnishing my wages I am head of household with 4 small children. I was not advised that lawsuits were being filed against me. I didn't have a chance to speak up for myself, I'm on the verge of loosing my home because I'm behind on payments as well as all my other bills. I don't have enough money to buy groceries for my children.
Consumer complaint received 2022-09-07
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. (OH)

Complaint ID XXXX Equifax closed my complaint stating that the items were verified. These alleged late payments do not belong to me and I am demanding a description of the procedures that were used to verify such alleged late payments pursuant to 15 USC 1681i ( A ) ( XXXX ) ( B ) ( XXXX ). Failure to provide me with such, these alleged late payments must be updated to paid as agreed on my consumer report.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

I am currently in chapter XXXX. My husband is not. Co-borrowers on the mortgage. It shows as closed on both credit reports. Bankruptcy filed inXX/XX/XXXX. All payments since have been on time. Payment history inaccurate as reported. Company fixed errors XX/XX/XXXX. Since then it was updated with completely inaccurate information. They claim they have to report same information for both borrowers which is not true. Been trying to fix the errors since XX/XX/XXXX. No resolution. My husbands credit is suffering horribly and the continued errors are becoming very costly as he can not apply for anything.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA) (GA)

I have asked for validation of this debt but only received a bill which is in violation of the HIPPA law. This was last year. They actually removed it from my credit report and put it back on again. I need to see validation that this debt is mine from them not XXXX XXXX. Receivable Mgmt Group has not paid their business license to operate in Georgia as of yet this year.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (OH)

Called Caine & Weiner to discuss an account on my credit report. was told i had two account and I asked for a settlement. A settlement letter was sent and i sent in the payment along with a letter asking ot be sent ot me that my account was settled or paid in full. Never received a letter back and the check cleared the bank. I called and spoke with a manager at Caine & Weiner and she asked if she could call me back to review my account. She stated a mistake was made with my account and that they would honor the settlement letter, Now the CFO stated they will not honor the settlement letter
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient services my student loans. I have requested an income-driven repayment plan, which would delay payments for one year, allowing me to get financially stable. I can not afford payments at this time. I began contacting them in XXXX and attempting to apply for this. They were supposed to email links and paperwork to complete this. I never received that. I called back in XXXX and XXXX, multiple times, and finally spoke to a rep in XXXX who walked me through the application on the Navient and Studentloans.gov website. She said everything was in order and it was handled. I began receiving emails last week that I have loan payments due in XX/XX/2019. Next month. I called them back today and spoke with a rep who claimed there was no signature so it was denied, but she could see the electronic signature so it should have been approved. I was not convinced, so I asked to speak to a supervisor. I spoke to " XXXX, Rep # XXXX '' who was very rude, argumentative and unhelpful. He blamed me for everything and told me that it was my fault, basically. He said they do not accept electronic signatures and that was why it was denied and that I will now have to redo the entire application process and make sure I sign it this time correctly. He talked over me, loudly and refused to answer my questions or help me at all. I was so frustrated with his attitude and talking in circles to confuse me and blame me that I asked to speak to a different supervisor. He refused to transfer me, telling me that he can not transfer me to his peer and that his manager is not in the office today. I finally hung up, feeling bullied, frustrated and back to square one. I just want this handled and for them to stop dropping the ball. I have done everything exactly as they have told me to do, and yet they deny the application due to their own negligence. That is not right.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and decided to check my report for accuracy, I noticed a few accounts, addresses, and inquiries that was incorrect or opened fraudulently! Ive reached out to the creditors asking them to remove these items from my report as well as the credit bureau several of times on numerous occasions but to no avail the accounts and inquiries still remain valid in theyre eyes! This is extremely frustrating for me due to the fact that Ive done everything I can to cooperate with the bureaus in regards to this matter!
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at MCM. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from Midland Credit Management or XXXX XXXX XXXX. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact XXXX XXXX XXXX for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to Midland Funding LLC on XX/XX/XXXX. Then from Midland Funding to Midland Credit Management and then to XXXX XXXX XXXX. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a Inquiry on my XXXX and XXXX XXXX credit report for Capital one Bank on XX/XX/2019 I have NEVER applied for a Capital one card and need this removed. 

I have contacted Capital One to verify that a credit card was not opened under my name and they said there was not a open acct for me.. I asked about this inquiry and getting it removed from these 2 reports, and they said I need to mail them a letter and it could take up to 60 days. It takes 1 day to place this on my report I need it removed.. I am trying to obtain financing and this inquiry is making my report not look good and
Consumer complaint received 2019-04-01
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 (MA)

I ( XXXX XXXX ) had given XXXX XXXX a check for {$14000.00} ( in her name ) for her services rendered - in the same manner and capacity that we have always paid her for the past 15 years. This check was given to her in XX/XX/2018. XXXX XXXX then gave the check to her business partner owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then did a mobile deposit of that particular check in her Bank of America Account . See attached Bank of America statement ( doc5 ) showing, credit given for the amount ( on XX/XX/2018 for {$14000.00} ) and also see attached cashed/cancelled check - the money left my account on XX/XX/2018. Then, on XX/XX/2018, Bank of America reversed the credit for the funds, called it 'debit adjustment ' and claimed to have sent a letter to the original sending bank - my XXXX XXXX XXXX XXXX Checking Account. All three parties involved have contacted Bank of America on several occasions and every time we do we are told that the bank is still doing an investigation. I understand their may have been an issue with the check being in personal name and being mobile deposited into a business account, but if there is any issue or investigation, Bank of America should have sent the money back to senders original account. Bank of America received the money from my bank in XX/XX/2018 and today 6 months later is claiming to still be investigating the issue and has been holding this money and did not give it to their account holder or back to my bank as the sender. They give us no other answers except that they are working on it. yet they have been holding our money for months.