davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
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. (FL)

My student loan payment is $ XXXX/month. I was placed on a IDR on XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$800.00} via ACH Debit from my checking account to satisfy XXXX and XXXX monthly payments. On XX/XX/XXXX I received an email from Navient confirming receipt of my payment in the amount of {$800.00} stating the payment posted to my account on XX/XX/XXXX. I went online to make my monthly student loan payment on XX/XX/XXXX and my account showed a payment due of {$880.00} with a past due amount of {$480.00}. I immediately called Navient to report the discrepancy. The representative stated that he was unaware of why the full payment was not applied to my account. I then spoke with a supervisor who stated that I would need to provide Navient with my bank statement to prove the payment was made, which I refused to do. I then requested the Department of Education 's number from Navient to complain about the mismanaged payment. Navient provided the number XXXX which is not the correct number for the Dept. of Ed. I then contacted the Dept of Ed. and was transferred to the Ombudsman group ( case # XXXX ) and told that I needed to contact Navient 's Advocate group which I attempted via phone and email. I have since notified Navient that I do not trust their accounting procedures and am refusing to make further payments. Given the above, Navient has negligently handled my payment, is actively operating a business to defraud consumers, is operating in a manner which is deceptive and unfair to consumers and Navient is wrongfully seeking collection of funds that are not legally owed.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am responding to the credit reporting agencies claimed that my factual disputes was investigated and validated as accurate. I am doubtful that this is the case since there are several inaccuracies still being reported. In order of full transparency I have included a screenshot of the credit report and highlighted the inaccuracies or discrepancies in yellow.
Consumer complaint received 2021-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Remove the attached XXXX XXXX credit pull from all three of my credit bureau reports. As you can see in the attached document, XXXX XXXX was not authorized to pull my credit.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC (NC)

I did a application with a bank and they told me I had something negative on my report. It showed up as PMAB LLC out of XXXX NC and I had no idea who that was so I disputed with the three bureaus XXXX, XXXX, and XXXX. Since that time my ex-fiance told me she thinks this is a company who sent something after I had a XXXX about a bill, She showed me where she wrote to them asking for proof this bill was owed before it was paid because this bill isnt showing up like all my other bills thru my insurance company. I just want someone to verify the bill is legit like she wrote them and asked for and I will pay the bill and I want it removed from my report
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (NY)

Good morning, On XX/XX/XXXX Card Purchase / XXXX XXXX XXXX, XXXX, NY XXXX US {$510.00} was refunded. It was a good faith deposit for an apartment hold, which was released when I made 2 months payments to the actual landlord. The realty company returned the payment but CREDIT KARMA has not credited the returned funds to my account. 

Now, after an expensive move I have relied on those funds to get me through the week. The funds have not been added to my account. 

CREDIT KARMA responded yesterday stating it takes 3-5 business days for refunds to hit my account. It is now XX/XX/XXXX, several days after this window. 

Kindly contact CREDIT KARMA to release the funds.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

This is regarding my Barclays credit card. I last paid an annual fee on it on XX/XX/XXXX. Since then, for more than a year, I have not used the card anywhere. I had lost the card and requested a replacement card sometime in the summer of XXXX. I never received a replacement card. In XX/XX/XXXX, Barclays charged me an annual fee on an unactivated account. I did not realize there was a fee pending, and they reported late payment to the credit bureau, after which I realized they had charged me for nothing. When I called them, they said my cardmember agreement says fees will be charged automatically every year. When I asked for a copy of the cardmember agreement that I had signed up for, they refused to send one and insisted that it will only be sent by postal mail within the next 30 days. They refused to cancel or withdraw the fee, nor were able to explain how they could charge annual fees to an inactivated card. On top of that, my credit score has now been harmed.
Consumer complaint received 2022-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Hello, I am emailing about the Sallie Mae settlement. I attended XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX, I took out private loans from sallie mae that were a little over {$22000.00}. I have never been in a position to pay the loans so they kept talking me into deferments. One time the loans went into default and were sent to a collection agency but I was able to get them to pull the loans back for another deferment. as of today the loans are now over {$90000.00} with all the interest. The payments are almost {$1000.00} a month. My situation met the criteria for a loan forgiveness settlement but it was not forgiven. How can I get my account looked into for the settlement? Thank you and I look forward to hearing from you. Email is the best way to contact me. 

One other thing. When I took out these loans my last name was XXXX, I change my last name to XXXX 8 years ago.
Consumer complaint received 2021-09-10
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

Credence Resource Management reported to XXXX   that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX  they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another  phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX   states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.
Consumer complaint received 2016-06-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (MD)

On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DC)

I started college in XX/XX/XXXX. I finished my XXXX degree in XX/XX/XXXX, XXXX  in XX/XX/XXXXand my XXXX in XX/XX/XXXX. I did not pay {$250000.00} for my education but due to the interest as a result of forbearance that is my current debt. 

I switched from private sector to government in the hopes that I would be able to have some of the debt forgiven. 

At this point I am not sure what will transpire but wanted to submit a complaint in the hopes that I would be able to get some help.
Consumer complaint received 2022-03-31
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: CITIZENS FINANCIAL GROUP, INC. (NY)

during the pandemic, i fell behind on several car payments but eventually i paid them. this was due to a reduction in hours plus my wife losing her job so i had to compensate for other expenses that my wife used to cover before unemployment. i understand there were programs that benefit and protect people against late payment remarks on their credit score however i was never offered any, i even paid off the car loan in full way before the estimated 6 year financed loan and they denied me goodwill letters several times nor were they willing to correct a few lat payments with me paying off the full balance ahead of time.
Consumer complaint received 2020-12-30
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)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2018 Trans Union allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX.. There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.
Consumer complaint received 2019-11-01
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

These dates are incorrect. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TX)

I am an IDENTITY THEFT victim. A family member, who is now deceased, used this credit card to pay off debt on other credit cards. He committed suicide in XX/XX/XXXX. I have sent detailed documentation to XXXX and their first collection agency, XXXX. XXXX ceased collection efforts, and now, even though I sent XXXX detailed documentation, including my report to the FTC, XXXX has hired another collection agency. This group says they have contacted me three or four times about this debt, beginning inXX/XX/XXXX, but I HAVE NEVER HEARD FROM THEM BEFORE THEIR LETTER OF XX/XX/XXXX. Why would they make such a bizarre claim? I do not know to what address they sent letters, but I did not get any from this group ; EVER until XX/XX/XXXX. I am XXXX, and my only income is SSD and a pension. I made a settlement offer to XXXX, which they ignored, and continue to come after me. I have had several XXXX XXXX XXXX, and XXXX relapses due to this harassment. I feel that I have no way out
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

REFUSAL TO GET ME A PERSON I CAN HEAR ON A HAND HELD PHONE. 

CORPORATE REFUSES TO GET ME SOMEONE I CAN HEAR. 

SUPERVISOR REFUSES TO GET ON A HAND HELD PHONE. 

XX/XX/XXXXXX/XX/XXXX I WAS DISCRIMNATED BY A SUPERVISOR. 

VERY NASTY AND REFUSAL TO ACCOMODATE THE DEAF AND HARD OF HEARING AND TO ACCOMODATE ME ON A HAND HELD PHONE AND NOT OVERSEAS. 

2 SUPERVISORS FOUGHT ME TODAY AND REFUSED TO LET ME HEAR. 

discrimination twice from XXXX I want to report XXXX who was so rude and nasty at XXXX on XX/XX/XXXX They can pick up their handset because XXXX at XXXX just did when I called back. Fire XXXX.
Consumer complaint received 2021-07-09
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: Santander Consumer USA Holdings Inc. (NC)

Santander stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (CA)

BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you

owe on your Discover Personal Loan as shown above.
You can resolve this by calling us to make acceptable payment arrangements. 

If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. 
CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! 

Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. 

Sincerely, XXXX XXXX Operations Director Discover Personal Loans
Consumer complaint received 2018-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and transunion have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Consumer complaint received 2018-01-31
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: EQUIFAX, INC. (TX)

equifax and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

I was charged XXXX from my account and didn't get any products .I was told by the employee from the store that there system crashed and I had to go inside and pay on XX/XX/2022 and I sent the receipt that I had to the bank but they keep telling me I haven't sent them enough evidence on my account XXXX and XXXX was taken out on XXXXThey said they sent me a letter but have not received anything
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, EQUIFAX, XXXX and all, are reporting on my credit report and file without my written consent.
Consumer complaint received 2022-08-11
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Consumer complaint received 2022-03-31
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)

I entered into the XXXX credit protection program which pays the minimum balance due for 6 months. XXXX paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.