davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

This company has constantly incorrectly applied my payments to the wrong accounts. They have mis communicated their programs, interest rates, and have taken payments without authorization. 

Lastly, I applied a additional payment to my loans to try to pay off my loans quicker because Navient has increased Rates and have not allowed any loan options.

Instead of applying those payments to my loans and principle, they incorrectly put me in a forbearance program. These issues have been ongoing both with their Federal and Private department and have added thousands of dollars in interest and many of my hours to sort this out with their incompetent departments. This errors are unacceptable and Navient seems to do as they like without any consent from me what so ever.
Consumer complaint received 2019-08-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (NJ)

I have been harassed by a large number of repeated phone calls which I have not answered. After researching the phone number that kept calling, I believe it is the company Firstmark services looking for collection because I am only 12 days late on my payment. I have not answered them because I feel that due to the harassing nature of the contact attempts, I can safely assume that they are using harassing tactics in all facets of their debt collection. They have called me over 30 times since XX/XX/XXXX, only two days  ago. I will attach screenshots of the missed calls.
Consumer complaint received 2021-09-15
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. (MN)

I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

1 ) My Friend transferred the amount of {$1000.00} from his registered XXXX XXXX XXXX via XXXX to my registered account of XXXX XXXX XXXX. I had registration via my Mobile Number ( xxx-xxx-xxxx ) and he sent via Email Id. 
Normally in such scenario transaction are reverted via Bank. I got an email from Chase Quick Payment saying that amount will be received which is not relevant, As I have not account in Chase Bank. On further investigation with Chase Customer Service they told that they have a customer checking Account with same email id as mine ( Huge security breach for me ). We checked back with XXXX XXXX XXXX and they told that they went to the Chase Customer and he refused to do the reversal.I have all the transaction details but none bank is ready to provide me any more details on the amount. 


Issue : 1 ) Currently anybody transferring the amount on my email id, Chase customer who is registered in XXXX would receive the amount with no association of him on this transaction. 

2 ) Customer is not ready to reversal of transaction even he is not owning the transaction which is biggest concern for me along with Bank. 







Chase Case No : XXXX XXXX XXXX XXXX :XXXX Transfer Date : XX/XX/2019
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/2019 a XXXX XXXX from a debt collection firm/attorney 's office named Caine Weiner emailed and called my employer by emailing and calling XXXX XXXX who is administrative Assistant to the CEO at the Company where I have worked for 7 years. ( See Attached email documents ) XXXX XXXX then emailed the email that was sent to her by XXXX XXXX to me. I immediately sent a cease and desist email to XXXX XXXX at her email XXXX. ( See attached email documents ) Then on XXXX XXXX XXXX XXXX ignored my cease and desist email to her sent on XX/XX/2019 and emailed and called XXXX XXXX again. XXXX XXXX then emailed XXXX XXXX 's email regarding some debt ( I am not even aware that I owe it as they will not reveal what it is for ) to all upper management and legal at my Company. I am in fear of losing my job over this person 's actions. ( See attached email documents )
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX bankruptcy XX/XX/20 This has already been discharged.on XX/XX/20 XXXX XXXX OH XXXX XX/XX/20. This already been discharged on XX/XX/20
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My mortgage was sold to SPS Select Portfolio Servicing ( SPS ), from XXXX. XXXX did alot of unscrupulous things to make my mortgage look more appealing to sell, and give a picture of higher return on the sale of the packages of loans they sold to SPS. Like applying flood insurance to my mortgage, and my mortgage went up by almost {$1500.00}. So I filed a complaint with the Federal Reserve ( Atch A ).  When SPS got my mortgage, they saw that I wasn't in a flood plain, and made all the corrected changes, and my mortgage when down to where is was suppose to be. However, by that time, I was over charged by {$9400.00}. SPS sent me a check for {$5300.00}, which was way under what they should have sent me. In response to me filing a complaint with the Federal Reserve ( case # XXXX ), XXXX responded, that they made a " mistake '', and they sent {$1600.00}, to SPS, and I should get the {$1600.00}, from SPS. So when I got my 1098 from SPS, it shows on the 1098 as FHA/MIP, which is fraud because I do not have a FHA loan, and so I don't have FHA MIP. Even before the 1098, every correspondence shows the {$1600.00}. It is my believe that SPS got this money and either wasn't give an explanation for it, or didn't know what it was for and just fraudulently claimed it to be FHA/MIP. Even if I did have a loan that had MIP or PMI, that is not what those funds were for. Therefore, today I called SPS to get my funds and they refused to give them to me, and the person I spoke to would only give me his first name and extension number, and refuse to give me his employee number. I have not missed a payment even though struggling with the almost {$1500.00}, increase imposed by XXXX and carried on by SPS until they finally sent me the for {$5300.00}. I have to admit, I have been late on several occasions but never 30 days of more. One document they have the {$1600.00}, as partial payment, ( of which I have NEVER made a partial payment ), and now on my 1098, it's FHA MIP ( Atch B ). I feel that I have been treated very unfairly, and want my money back. I stated in one of your earlier questions that my loan is conventional. I started out with a Conventional loan, and when the mortgage market crashed in XXXX XXXX time frame, I we almost lost our home, and had to get a modification. This is when our mortgage was with XXXX. So I am not sure how that works for a modification. Please help me to recover my funds. I am attaching several docs that I have from both the Federal reserve and SPS. See Attachments A, B, C
Consumer complaint received 2023-01-04
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or corrected from my report right away : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
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: EQUIFAX, INC. (OH)

XXXX XXXX received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX XXXX account ending in # XXXX and XXXX  account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/XXXX i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. XXXX XXXX reports last payment on XXXX account on XX/XX/XXXX equifax reports last payment XX/XX/XXXX. Error number two same account two different close dates XXXX XXXX readsXX/XX/XXXX equifax reads XX/XX/XXXX. Error number three days late XXXX XXXX reports 120-149 days late equifax says 180 days past due. Also the XXXX  account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2020 I mailed a letter requesting that my debt with Transfinancial Companies be validated. I have no knowledge of this debt. I requested the following information to be provided on Company Letterhead.

1. A detailed and itemized statement of ALL activity to this account.

2. A contract bearing my signature that binds me to the debt.

3. The photo identification I must have provided at the time of starting services.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to attest to your compliance of the FCBA with this account. 
The creditor did not provide me with anything I requested but is considering the debt validated. They can not provide me proof that this is my debt. I am extremely frustrated. It is unfair that they can cause damage to my credit reputation but can not prove to the person they are damaging that the debt is in fact for them. I have attached the incompetent response from the creditor. What they are doing is illegal. They are not validating debts at all.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

I purchased ( XXXX ) {$500.00} giftcards from XXXX on XX/XX/23 ( have receipt ), and utilized XXXX of the XXXX cards immediately. I left ( XXXX ) {$500.00} gift card to be utilized later. 

I tried to used the XXXX gift card on XX/XX/23 only to find it drained. I have physical possession of the card, the receipt, and did not give anybody this card. I have contacted the XXXX party card issuer on XX/XX/23 and XX/XX/23. On XX/XX/23, they said they were giving me a package, no package has arrived via XXXX ( been 11 days / nothing ). On XX/XX/23, they said they were issuing me a new card ( been 6 days / nothing ). 

They have refused to give me a case ID number, acknowledge prior calls, and just waiting for their timeline to tick down. They do not want any documents, nor do anything. 

The card is prepaidgiftbalance.com, issued by US Bank National Association.
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (TN)

I filed a dispute with Experian for an account on my credit report with incorrect information. The account was with XXXX XXXX. This account has been paid and closed since XX/XX/XXXX. Experian and XXXX both report that this account is in " good standing '' as of XX/XX/XXXX. Then " charged off '' the months following. This " good standing '' being reported for XX/XX/XXXX makes it seem like I have an open account with them and then stopped paying. Resulting in my credit score being lowered and me getting denied for credit cards. I contacted XXXX XXXX and all they did was mail me proof that the account was paid and closed in XX/XX/XXXX. I then called Experian and told them exactly what the error was and they still did not correct the issue. I have uploaded a screenshot from Experian 's app showing the error being reported for XX/XX/XXXX.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management is reporting this account on all credit reports stating the following.

1. In good standing 2. Every other XXXX  the add XXXX XXXX  and state the account is late to report negatively on the reports. 
3. Every other XXXX  they would add XXXX XXXX  and state the account is paid and in good standing. 

And they are also reporting the account in collections owing {$8900.00} opened as of XX/XX/2020.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I have asked Chase Bank REPEATEDLY not to let anyone into my account. I have asked them to block any merchant from taking funds. I get my direct deposit into this account and transfer it to another accounts. 

There have been over {$300.00} in fess this year alone!!! 
Recently, I had two {$35.00} fees for automatic purchases with one purchase under {$10.00}. Still I received a {$35.00} fee. Is a 300 % fee LEGAL. 

When Chase would not reverse these fees the next day, I asked for my account to be closed. I said I would pay whatever I owe them, it was over drafted, but not their usurious and excessive fees. 

After asking for a refund on fees, asking for my account to be closed, I get this statement ( attached ) that CHARGES me ANOTHER FEE for my account. I can not even use my account. I cant log into my account BUT CHASE IS STILL CHARGING ME FEES This had to STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Experian is reporting inaccurate information on my credit report and claiming it to be verified. According to the bankruptcy courts they have not supplied this information but Experian has them as the creditor. I have attached proof and wanting to know why they can continue to report false and inaccurate information on my credit report and claim it has been verified. I would like to know who verified this information at the bankruptcy court. This has been going on for months and it's ruining my life. This false information needs to be removed today. I do not have a bankruptcy being reported by said court.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MO)

First let me state that I my information has been compromised by OPM Data Breach as well as XXXX Data Breach. I noticed a recent charge on my credit report initially from Resurgent, dba LVNV. Per CFPB Validation Notice Letter, a precise request, following CFPB guidelines, on XXXX XX/XX/XXXXXXXX  to LVNV. Per CFBP Debt collection rules and Debt collection rights ; LVNV failed to follow CFPB guidelines and comply with FCRA and FDCPA " VALIDATION '' per the letters request, within the 30-day guideline XXXX XXXX ). 
The company, Resurgent sent a noncompliant response, dated XXXX XXXX XXXX providing an " enclosed account summary which provides " verification of debt, '' NOT VALIDATION ( see attached ), not in compliance with FCRA nor FDCPA. LVNV/Resurgent failed to VALIDATE within the 30-day deadline. In addition to violating FCRA and FDCPA, LVNV/Resurgent requested " contact one of their Customer Service Representative . '' A debt Validation Notice was sent via certified mail to LVNV On XXXX XXXX XXXX, which Resurgent acknowledged receiving ( see attachment ) a copy of the letter on XXXX XXXX XXXX ; per certified documentation. However, LVNV in their written communication responded as Resurgent Capital Services & but are reporting to credit bureau as LVNV. 
It appears that this company is practicing unscrupulous monopolizing practices and is unable to decide if they are LVNV or Resurgent Capital Services ; either way, it is illegal to report the same debt ( double dip ) as two separate companies. It's called " monopolization '' and under FTC regulations, it is violating 9-28.000 it's illegal. As such, I've also filed a complaint with DOJ with their documentation as well regarding debt reporting as two separate companies ; i.e. sending correspondences as Resurgent and reporting to credit bureau as LVNV on my credit report. 
Again, Resurgent Capital/LVNV failed to comply with CFPB guidelines, FCRA nor FDCPA, Validation Notice Letter as set forth by US Congress . 
Either way, LVNV/Resurgent failed to comply with the 30-day regulation by failing to validate the debt ( see attached Validation Notice Letter sent ) ; as such, failure to comply requires that Resurgent/LVNV must immediately remove/stop negatively reporting to all 3 credit bureaus. 

Additionally, I had accounts with XXXX XXXX ( XXXX XXXX ) & paid my debt. I also called XXXX and spoke with a representative that stated I 'did not have an account that I owed at XXXX . ' When I asked if she could send me an email confirming it ; she stated I 'did n't need one b/c I didn't owe anything. ' I know the company records their messages and can listen to the message.
Consumer complaint received 2019-08-27
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. (AR)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, NV, XXXX To : Equifax Dispute Department 1. DELETE XXXX XXXX, XXXX  XXXX because it Unknown and it has been re-aged to stay on my credit report longer. It was reported on XX/XX/XXXX Since then it was updated to XX/XX/XXXX. The company is required to enter a notice of dispute as required by 623 of the FCRA and neglected to enter it within 3 days. Please Delete I take this matter very seriously. Because of your apparent neglect in ensuring that everything on my credit report is 100 % accurate, complete and timely. Please Delete.

Included is Equifax Dispute Letter and a copy of my State Id, Social Security Card.
Consumer complaint received 2019-09-06
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. (UT)

XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!
Consumer complaint received 2020-01-30
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: EQUIFAX, INC. (NC)

Gentlemen, My name is XXXX XXXX. I settled my account ( XXXX Credit Card ) with a Debt Collector. XXXX chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with XXXX and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting inaccurate information on my credit file. I applied for a secured loan through Wells Fargo. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. Wells Fargo did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with Well Fargo they said they would remove the lates, yet they have nothing!
Consumer complaint received 2019-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

XX/XX/19, XX/XX/19, and XX/XX/19 - Payments in the amount of {$500.00} each made. Interest accrued for the month is approximately {$460.00}. Difference of approximately {$43.00} each month not being applied to the principle. 

XX/XX/19 - Additional {$100.00} payment made prior to next payment. Went towards interest. Should have been {$100.00} in the next payment that then went towards the principle and did not.