davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
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. (NJ)

Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.
Consumer complaint received 2021-08-22
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: Resurgent Capital Services L.P. (NC)

i filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received ay investigation results.
Consumer complaint received 2018-12-06
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: Experian Information Solutions Inc. (MO)

I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.
Consumer complaint received 2021-01-27
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. (NJ)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo Bank consistently reorganized transactions in my account so that they could put my account in the negative and charge me overdraft fees, multiple fees at once, resulting in large negative balances, for ing me to pay fees to bring my account back to good standing, they refused to help and consistently claimed they didnt reorganize the account transactions but I saw it happen on multiple occasions. My direct deposits would often reorganized as well and then phantom charges to my account would be made as to incur an overdraft fee and then the date for said phantom charge would changed. Seen this on multiple occasions. Wells Fargo would consistently leave me on hold for up to an hour or longer in hopes that I would get frustrated and hang up and not got the situation handled. would continue to try and use the account for my payments like phone car insurance, etc and would incur late fees because of this from other companies because of this. They closed my account without consent last year while I was waiting for them to resolve a complaint I filed with them regarding these very issues we are discussing here. All of this occurred between XXXX and XXXX of 2022 and was a weekly occurrence. It was too blatant how they did it.
Consumer complaint received 2021-05-24
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. (HI)

I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer
Consumer complaint received 2023-02-27
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX - Following too closely, driving on wrong side/wrong direction Account name : XX/XX/2022 - At Fault Bodily Injury Accident Account name : XX/XX/2022 - Following too closely, driving on wrong side/wrong direction has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-05-24
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. (HI)

I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (NJ)

Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XX/XX/2021. They harassed us to pay this bill. We paid MRS BPO and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to XXXX  XXXX about this, they said they have nothing to do with it. Now XXXX XXXX is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from MRS BPO. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate XXXX XXXX AND MRS BPO for fraud
Consumer complaint received 2021-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I had fraud by someone on my unemployment account that Bank Of America handle they removed in total {$1200.00} dlls the bank closed my account stating it was the XXXX who close the account and didnt want to give me any information about my money just said the bank was going to investigate and reach back to me by phone which never happened, only received 2 letter saying my account was closed, I contacted XXXX and they said they were going to start sending me the payments by check and that they didnt have anything to do with Bank of America closing my account, so when I called again for the 10th time to the bank they said it was XXXX that has closed the account so basically they couldnt give me an update on the money stolen. And XXXX said it couldnt be them since my claim with them is perfectly fine, te problem is with Bank Of America, Im extremely desperate dont know if Im ever going to recover my money plus every time I call the bank for an update, theres a 4 hour wait just so the tell me I have to wait and that is XXXX who has my account bolck.
Consumer complaint received 2022-11-17
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. (GA)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (SC)

I tried to get student loan forgiveness about two years ago and I was told I could not get my loans forgiven and they could not be included in my bankruptcy dated XX/XX/2012. I made the income contingency provided for my income but it was a struggle. Navient student loan services said there was nothing else they could do for me. I graduated from a reputable college but finances have been a challenge for many years. Either family or my health, there have been many issues. I have been through financial issues and now these pandemic years have brought to my knees. I owe approximately {$80000.00} and I have been out of college for over 27 years. I barely make {$40000.00} and hourly wages are not even {$18.00} PER HOUR. I have many health issues and two jobs would be risking my health. My monthly house and car payment are {$1000.00}, utilites insurances, next meds and I can not pay all the medical bills. What little XXXX I have, federal and state have depleted my funds, so I would not lose my home. I am literally begging for help. I have all documentation you may need to substantiate my claims.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Since I have graduated I have payed for my loan. However, When my student loan was moved to Navient I believe that my student loan has not decreased and when I asked about XXXX  loan forgiveness my answers to my question were not in the best interest of my loan. Information given about XXXX  forgiveness and interest were not accurate and ambiguous.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IN)

COMPLAINT XXXX. XX/XX/XXXX ( XXXX ) XXXX XXXX entered a open end consumer credit transaction involving a credit card agreement, with the Defendant American Express, for the total cash-equivalent to XXXX XXXX dollars. ( {$1000.00} ) ( see attached contract labeled Exhibit A Proof of Contract ) XXXX. Plaintiff XXXX sent the negotiable instrument, ( endorsed ), on XX/XX/XXXX, ( XX/XX/XXXX ) and on XX/XX/XXXX ( XX/XX/XXXX ) a tender of payment { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. XXXX XXXX endorsed a coupon accompanied by a Tender of Payment on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment letters labeled, Exhibit B Tender of Payment } XXXX. Plaintiff XXXX Tendered a Negotiable Instrument to Defendant American Express with Accord and Satisfactions as a performance to the contract on XX/XX/XXXX ( XX/XX/XXXX ) { see attachment contract labeled, Exhibit B Tender of Payment } XXXX. The Defendant American Express received multiple instructions pertaining to the principals balance and where to Transfer the Principals Balance { see attachment labeled Exhibit B Tender Of Payment } XXXX. Defendant American Express launched and investigation on the matter and upon further review told XXXX XXXX, they dont accept payment coupons modified to be used as payment instruments on XX/XX/XXXX ( XX/XX/XXXX ) { see attached letter labeled Denial Letter Exhibit C } XXXX. Defendant American Express refused to accept Tender of Payment and imposed more finance charges on XXXX XXXX credit card. Late fees, and interest charges. 
XXXX. The Defendant American Express refused to carry out Fiduciary Duties for Plaintiff XXXX and also refused to carry out the Accord and Satisfaction performance { see attachment labeled Exhibit C Denial Letter Non-Acceptance, REFUSAL } XXXX. Due to these acts the Defendant American Express Breached the Contract XXXX. XXXX XXXX was deprived of the Goods Proceeds in the Contract Sale XXXX. The Defendant American Express refuses to return negotiable instruments back to Plaintiff XXXX ( attachments not labeled and Proof of Contract is left out from files )
Consumer complaint received 2018-12-06
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: Experian Information Solutions Inc. (DC)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this..XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2018-12-06
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. (DC)

I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2022-04-26
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX ) XXXX, 15 U.S.SC 1681 section 602 A . States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

XXXX  this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Consumer complaint received 2018-12-06
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. (WA)

I sent 2 round of dispute letter to XXXX, XXXX, and Experian to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

Ive disputed this account before because it is not mine. Ive never had phone service with XXXX XXXX XXXX. The dispute resulted in having the account removed. They have added the account to my credit report again, causing damage.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.