davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

To whom it may concern : It appears that my payments with Navient are not being posted correctly and it has been going on for well over a year, but I just noticed it recently. I have called Navient twice in the last couple of weeks for two issue. Once on XX/XX/XXXX and again on XX/XX/XXXX, and they still have not been able to post my payments correctly. On XX/XX/XXXX I was informed that issue # 1 would be resolved by XX/XX/XXXX. Today is XX/XX/XXXX and its still incorrect. Today my loan payment ending in XXXX from XX/XX/XXXX is going towards the principal, but what about the previous 14 months? At the rate I'm paying on my loan my entire life since nothing ever goes to the principal. 

Issue # 1 : I made payments on one of my private student loans for the last 14 months, and not XXXX XXXX has been posted to the principal, so I called them on XX/XX/XXXX when I identified this. My mother called on my behalf and spoke to the customer service rep, and she said that about {$500.00} a month goes to interest, and my mother said to her that I paid {$950.00} in XX/XX/XXXX, why did all of it post to the interest? The representative was unable to answer for a minute, because the call was scripted, and the rep didn't know what to say except " yes, that doesn't seem right, I will get this account reviewed. 

Issue # 2 : I made automatic payments through my bill payer with my credit union on 3 loans with Navient on XX/XX/XXXX, and as of XX/XX/XXXX, they were not posted. I called Navient on XXXX and the Customer Service Rep said they were not posted yet, but to check back. Today when I checked, the payments had a post date of XX/XX/XXXX. They manner in which they have posted my payments appears incorrect. I had this issue in XXXX, and it was due to a " grouping '' per Navient, and supposedly Navient fixed that, but it appears broken again. How am I to validate this posting is correct. Its frustrating to call Navient because the customer service reps are scripted, and do not even listen to the issue. 

Please know that contacting and dealing Navient is very stressful and frustrating. I had similar issues in XXXX and it took months to resolve. They sound robotic and systematic with any phone calls you make to them. They try to get you off the call with an unrelated response. I have asked my mother to assist me because I work full time and Navient is closed when I get home. 

XXXX
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (TX)

My 12 year XXXX XXXX mortgage payment history is not being reported on my Experian report. I have phoned, emailed, contacted via website, and mailed Experian about this and Experian will not report the mortgage payment history. 
I contacted XXXX XXXX to verify they are reporting and XXXX XXXX sent me a letter verifying they are reporting to Experian. I mailed the letter to Experian and called them to verify they received it, they did and they said they would resolve it in 3 to 5 business days. There was no resolution and I have contacted them since but to no avail. Experian will not report my 12 year mortgage payment history no matter how much I have shown them it is legitimate. 
I have verified with XXXX and XXXX XXXX that my mortgage history is being reported with them.
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some inquires on my consumer report that I did NOT authorize and NOT attached to any open accounts. 
XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX. XXXX, XXXX
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (TX)

1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 

2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 

3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.
Consumer complaint received 2019-07-10
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 94 % of payments made on time whereas Experian reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the XXXX report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Consumer complaint received 2019-05-01
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. (NY)

Both yesterday and today, XX/XX/2019, I have tried to contact Experian more than 20 times, tried various numbers. Every single number I call is operator and it is absolutely IMPOSSIBLE to speak with a Human. I am very upset and frustrated wasting my time while at work. This place is a complete scam. I am desperately trying to unfreeze my account. I had to freeze it because of Experian exposed ME to fraud issues over a year ago. I have my PIN and for some reason it is not working online and I can not do anything to unfreeze my account. There are absolutely no options.
Consumer complaint received 2018-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC. (NJ)

I have been trying to reach Abr recovery services by phone and e-mail seems to me this company has block all access for me to send copies of the faxes and the letter, that was sent on XX/XX/XXXX,XX/XX/XXXX and three other times that they were contact, another form of harassment. I can be reach @ XXXX XXXX, XXXX Thank you
Consumer complaint received 2024-02-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am disputing an error on my credit report regarding my account with XXXX XXXX The reporting dates were incorrect, showing inaccurate late payments. XXXXXXXX XXXX has acknowledged the mistake and agreed to update the information. I am requesting a prompt update to my credit report to accurately reflect that my account was never late, and I appreciate your assistance in resolving this matter.
Consumer complaint received 2021-06-15
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: TRANSWORLD SYSTEMS INC (MD)

Transworld reported to credit bureau that I owe XXXX {$120.00}. This account has been paid. Additionally, there were no phone number or address where I may contact Transworld.
Consumer complaint received 2018-06-04
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: Experian Information Solutions Inc. (AZ)

I have an account with XXXX XXXX XXXX XXXX. XXXX  XXXX change the Account number at XX/XX/2017 Experian use to report that account every month. I dispute the account balance one time to Experian. after that they stop report the account every month as they should. Several calls made to XXXX XXXX supervisor and several calls made to Experian with XXXX XXXX on line ( 3 Way calls ) to insert the account. No, responses from Experian. XXXX XXXX told me many times that they sand the farm to Experian to insert the account an Experian said we did not received any letter from XXXX XXXX Vis versa. that account reported before by Experian and been reported by XXXX and XXXX.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX from the executive customer relations team sent me a form letter and failed to resolve the customer service issues of my complaint. The XXXX from customer service is at extension XXXX, He left me a voicemail in XX/XX/XXXX, and today we were on the phone ( after I've sent him numerous voicemails ) and the call was disconnected. We had not yet addressed the concern. I called back and left yet again another voicemail for XXXX. I called a supervisor with Capital One and they told me they contacted XXXX and he refused to speak to me. The call was disconnected mid sentence and he won't even finish the phone call. It was on a recorded line. The company has failed to address my concerns around customer service numerous times and now just evades my contact. As a consumer Capital One is engaging in predatory behavior. They ran my credit, to open up a credit card, are not addressing my concerns and now refusing to talk to me about the issue. Besides XXXX the following representatives have failed to listen. You can hear in recorded phone calls them flat up denying to investigate what I allege I was told. THe rep names and ID 's besides XXXX whose name and extension are above are : XXXX XXXX XXXX XXXX Shy XXXX XXXX XXXX XXXX XXXX And once again XXXX with executive customer relations XXXX
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The bank will not speak to me on the phone due to me being XXXX with XXXX. 
They hang up on me or leave me on hold for times in excess of 1 hour. 
They have said they will not speak with me nor will they accommodate my XXXX. They say they do not need to accommodate the XXXX via phone.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX  {$260.00} Not my account, no response from the bank. 

XX/XX/2022 XXXX XXXX XXXX {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy
Consumer complaint received 2018-11-26
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. (GA)

creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have submitted several disputes to Experian XXXX XXXX. The disputes were correcting my address, accounts that arent suppose to be reporting and late payments. Experian says the accounts are coming back verified after a day or same day of me reporting the inaccuracies. The law says anytime something changes on your credit report you should be noticed. Ive NEVER been notified. I filed a dispute on XXXXXX/XX/year> and the results were in two days later.
Consumer complaint received 2021-06-15
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. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2019-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION (CA)

In the month of XX/XX/2019 I called Check n Go and requested that they stop withdrawing money from my account. There has been more than one occasion that money was attempted to be withdrawn from my account on the wrong date, which caused my account to overdraft. I accumulated late fees and I requested all future payments to stop. On XX/XX/XXXX my account was charged XXXX. My account was not supposed to be charged since I requested that all future automatic payments stop. It appears that my account does not reflect all the payments that have been made.I called the company on XX/XX/XXXX in regards to their fraudulent activity. They agreed that I requested stop payments in XX/XX/XXXX but couldnt justify why they are making unauthorized charges to my account.
Consumer complaint received 2020-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am filing a new complaint against Bank of America in response to my initial complaint ID XXXX which I feel was not researched adequately, which in turn, did not address the issue at hand. 

This complaint is in response to the letter dated XX/XX/XXXX sent to me from Bank of America. 
It states " Please call us as soon as possible to see if we can help you with your home equity account at XXXX, Monday through Thursday, XXXX XXXX to XXXX XXXX and Friday, XXXX XXXX to XXXX XXXX   Eastern. 

We noticed you're behind on your mortgage payments and realize you might be having a difficult time. We understand these things can happen and want you to know about ways we may be able to help. 
We can provide free help with your home equity account so call us right away. Waiting could affect your ability to take advantage of any of the programs you may be eligible for. '' The letter also states " This is a legally required notice. We are sending this notice to you because you are behind on your mortgage payment. We want to notify you of possible ways to avoid losing your home. we have a right to begin forclosure proceedings based on the terms of your mortgage contract. 

Please read this letter carefully. '' This letter is just another attempt at ignoring my previous complaints which are documented as far back as XX/XX/XXXX, with the Consumer Financial Protection Bureau XXXX CFPB XXXX. 

The original and subsequent complaints are as follows : XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX XXXX dated XXXX Within these complaints I explained the various facts that show that Bank of America made numerous mistakes in an attempt to cover up their wrong doings. 

I advised Bank of America that in no way this loan was to have used my home as collateral. 
If Bank of America continues to consider this matter closed and attempts to proceed to forclose rather than admit to their wrong doings, we will leave it for the courts to decide! 

Bank of America has failed to examine the documents thoroughly! Had Bank of America done so they would have recognized their errors and came to a different conclusion. 

I strongly suggest that the Bank of America Home Retention CRM take a close look at the whole of my complaints which were sent to the ( CFPB ). 

This letter was not assigned a Customer Relationship Manager ( CRM )
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

I had an account with American Express that went to collections with XXXX XXXX, and around XXXX I entered into a negotiated payment plan with XXXX XXXX to pay the balance plus interest in full on the account, at a rate of {$300.00} every two weeks. This payment plan just completed in XXXX, but AMEX then promptly reported the account as charged off to XXXX ( they had previously reported it as charged off to XXXX and XXXX XXXX in XXXX, despite my consistent compliance with the payment plan ). I disputed the charge off with the credit reporting agencies, but they would only allow me to add a personal statement, they would not correct the information without AMEX consent. I called AMEX, and the representative on the phone stated that AMEX would not remove the charge off from my credit reports, and would not change the status of the account, even after all payments had been made. They told me I would have to wait for the seven year period for it to fall off my credit report. This is not right, as I have paid this account in full, plus interest, with no settlement or reduction in the amount repaid. AMEX had no justification to charge off my account ( declaring it " uncollectible '' ) then they were in the process of receiving payment in full.
Consumer complaint received 2019-09-24
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. (NY)

Please refer to CFPB complaint # XXXX-XXXX and all attachments filed XX/XX/XXXX. Citibank also recently issued an unnecessary note on my credit that needs to be removed immediately after allowing merchant XXXX XXXX XXXX XXXX to charge fees for services they did not deliver. This business has a history of not delivering service to it clients and deceives customers by issuing themselves false reviews online.This financial abuse has caused me to no longer be able to confidently use my credit with Citibank because it has used its position of power to make notes on my credit that could greatly affect it in a negative manner.