davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

BLUF : I settled my Navient private student loan account through a debt collector, but they are still reporting it as past due to the credit bureaus 2 months after the settlement payments were completed. 

My defaulted private loan was charged-off in XXXX XXXX. At some point later, a debt collector named " XXXX, XXXX XXXX XXXX XXXX, XXXX '' ( herein referred to as XXXX ) assumed collection activity on said defaulted loan. On XXXX XXXX, XXXX I entered a settlement agreement with XXXX on behalf of Navient XXXX XXXX XXXX for a 6 month payment plan that would settle my account in full for the reduced amount of {$17000.00} ( agreement attached ). The final payment was made towards this settlement agreement XXXX XXXX, XXXX and I received a letter from XXXX stating that my account was satisfied in full and there was no longer a balance due ( also attached ). 

All throughout the 6 months that I was making settlement payments, Navient was updating my credit reports showing the amount that I was paying. In XXXX XXXX, the month following the last settlement payment ( when the account is now settled in full ), Navient reported my account as unpaid and still showed a balance due. The balance was not updated to reflect the settlement, which should have made my balance {$0.00}, nor was there a mention of a settlement. Screenshots of these months and current reporting are attached. 

Come XXXX XXXX, XXXX full months after the settlement agreement was fulfilled, Navient reported my account as DELINQUENT to the credit bureaus and now shows a past due balance of {$290.00} ( the payment that my original loan had back from before it defaulted in XXXX ). XXXX shows my account under the NEGATIVE section as " reported 30 days past due '' and XXXX shows this account as " failed to pay ''. I could not check XXXX. 

I tried to contact Navient directly about this issue but their automated phone system bounced me to XXXX every time. I could not trick the system to allow me to speak to one of their customer service agents. XXXX was no help with this issue either and said that it is up to Navient to correct my credit reports.
Consumer complaint received 2017-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have been trying to lower my payments, figure out a different payment plan, or defer my payments since XXXX/XXXX/XXXX. I spoke to numerous ppl through Navient and each person I spoke with would tell me that I had already exhausted all of my options, and that I just needed to make the payments. As a XXXX XXXX XXXX XXXX XXXX XXXX, and also taking care of my XXXX father, I am unable to make the outrageous payments that they state I need to make, which has now ruined my credit.
Consumer complaint received 2021-10-14
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Approximately XX/XX/2020 I reported attempted fraud to XXXX, XXXX, XXXX Card, XXXX XXXX, XXXX, XXXX XXXX. On XX/XX/2020 I froze my credit reporting with XXXX, Experian & XXXX XXXX to prevent any future attempts. 
I started receiving credit denial letters from XXXX ( 2 ), XXXX XXXX, XXXX XXXX ( 2 ) that I did NOT apply. One of my concerns is the negative report status shown on credit reports that would hinder my ability to be granted credit if I need. I am sending this letter to all three credit reporting agencies and FTC.GOV.

It would be appreciated that all receiving this letter would take the appropriate action in protecting and my credit status.

I CAN NOT GET COPIES OF MY CREDIT REPORTS. IT IS IMPOSSIBLE TO TALK TO ANY OF THE 3 REPORTING AGENCIES. MUST BE DONE BY fax AND I HAVE NO FAX
MACHINE AND ups store WILL CHARGE {$18.00} PER AGENCY x 3 EQUILS {$55.00}!!
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

American Express opened an account under my name without my permission in XXXX and I didn't notice nor report it until XX/XX/XXXX after checking my credit score. It is still listed as a closed account but it is identity theft and should not be under my name in my credit score.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NV)

I completed 18 partial payments of 18 Forbearance months due to hardship still there is a balance of {$19000.00} My monthly Payment {$2400.00} Lender won't allow me to continue with my monthly payments until ; The balance of XXXX +is paid in full They demand a lump sum or to pay it in XXXX to 6 months, insane Plus the current monthly payment I tried to pay TODAY XXXX and can not do it I have filed for the assistance they insist on me to give them the keys and walk out The want to steal my house Highly predatory behavior I never late on my payments always on time the payment history doesn't lie if they don't take my payment they will ruin my credit If they give me 18 months to pay the forbearance i will do it They refused to help This is criminal behavior.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

I had a loan for a car through Ally Financial. I paid my loan off on XXXX. After many attempts to receive my title I have now learned that they issued my car title to another customer, a car dealership in North Carolina. I have been reaching out to the customer service department weekly trying to resolve issue but I'm not getting anywhere. I have filed a complaint with the XXXX  which elevated my customer service level but still nothing and now they are not returning calls. Last returned call XXXX in customer service stated that she doesn't have an answer to fixing this issue.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

The response back from creditor was not true I have proof that I sent letters to creditor several times certified mail they got it and that's a violation of law due to the fair credit act and also they need show me a contract with my signature on it to prove the debt they keep sending letters without the contract and signature that's not real proof they need to deleted accounts for violation of law and reporting illegal information are I will sue in court.
Consumer complaint received 2022-11-18
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. (MD)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$21.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$73.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.U 1681 Section 604 A Section 2 : Its also states a cunsumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-14
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (GA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2020-08-29
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: AMERICAN EXPRESS COMPANY (NJ)

In XXXX, I was laid off my job. I immediately contacted AMEX regarding my Platinum card. They advised that they would help me establish a payment plan and the card use would be placed on hold. Until this juncture, I had been a current customer for almost 5 years. A positive and lengthy history. 

The arrangement was to pay monthly and all past due balances needed to be paid in full by XX/XX/XXXX. I satisfied this payment arrangement and AMEX waived the XXXX annual fee but restricted access to credit to a {$1000.00} dollar limit on this card. This is a high annual fee card, {$490.00} a year. I asked when the {$1000.00} dollar limit restrictions would be lifted. I was advised I needed to provide another year of history. 

A year later, XX/XX/XXXX, I had to pay the {$500.00} annual fee but AMEX still has not removed the {$1000.00} limit restriction. They also will not provide an estimate of when they will remove any internal credit limit restrictions. Additionally, for the year of XXXX, they incorrectly reported to the credit bureaus that I was under a payment arrangement. The payment arrangement was satisfied over a year ago. I had 1-30 day past due over a 5 year history and this is being considered a negative on my credit reporting due to how AMEX is improperly reporting my credit history.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Weekly I am receiving calls from this company that identifies itself as HRRG ( Phone : XXXX ), and he insists that I must give personal information, when I refuse they hang up the call. 
Today I decided to attend them and find out what it was about and she told me that from my visit to the XXXX on XX/XX/2019, I was left with a debt of {$240.00}. I clarified that I did not leave any debt from that visit, first because my insurance was from the company and it covered me 100 % and that I also contacted the Hospital at that time so as not to leave any debt. 
To which he replied that the debt was now with XXXX XXXX XXXX. 
I told him that I do not recognize any debt with this place and how it was that first it was from the Hospital and now with this company. When I asked him for more information about this company, he replied that I must give him more personal information, so I hung up the call.
Consumer complaint received 2021-10-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMERICAN HONDA FINANCE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AL)

Tried to make a payment on their mobile app and it selected the wrong financial institution to pull the funds. The Mobile app did not use the primary bank and now the bank they chose is charging us an insufficient fee charge of {$39.00} every time the credit card company attempts to retrieve payment. Both the credit card company and the incorrect bank have been made aware of this several days ago but neither will stop the process and each continues to charge me insufficient fund fees and return fees, which are adding up to hundreds of dollars. Neither institution is doing anything to stop it even though they know so they can continue to collect these fees. The credit card company is American Express and the bank that is charging the insufficient fund fees is XXXX XXXX. Both say the other institution is responsible for stopping the attempts for payment but both say they cant. American Express has received payment from the correct bank but continue to try and collect the money from XXXX XXXX and they claim there is no way we can stop this once it starts, it just has to go through its attempts which is 3-4 times. Every time they try, XXXX XXXX charges me {$39.00} in insufficient fund fees and American Express charges {$29.00} in return fees.
Consumer complaint received 2020-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

I have contacted Wells Fargo several times about removing me off Covid-19 assistance with no success. I have talked to the following people since XXXX who have all told me that I was being helped and removed but I have still not received this letter that I have been waiting on for for weeks that Im supposed to get notarized : 1. Supervisor and Va Loan Specialist XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX I have been faithfully paying my mortgage on time and have made several payments after I was supposed to come off the Covid-19 assistance program in XXXX for the months of XXXX and XXXX. Wells Fargo continues extending me on this program that I have repeatedly been asked to be removed from. They have also placed me on a loan modification which I do not want. Everyone drops the ball, makes excuses for the previous person Ive talked to and tells me they have corrected things only for me to be deceived again about what is going on and still in the same place when I started this process in XXXX of being removed. 

The only reason I did the program is because I was placed on quarantine at the beginning of the pandemic and had to miss work. I was not sure how things would transpire so I joined the program to be safe. 

Wells Fargo has done the following : stopped my direct withdrawal setup of my payments without my permission before the assistance started, kept me on the covid assistance program against my will, passed me off deceptively to people who they say they are supervisors but are not, continues to misinform me of the date Im to receive the letter to get notarized, acts like they are taking me off the program and then the next person I talk to says Ive not been removed, have associates who have not been trained assisting customers and not holding themselves accountable to operate with integrity, and they have had me on recorded conversations but dont seem to keep a record as they should, as everyone is starting off new with me each time as if Ive never called. Also Wells Fargo has had me on hold on average 90 minutes to speak to a person when Ive made these calls and have their prompts set up so you go around in a circles trying to get to a person which causes you to make wrong selections, and when you finally get to a person, you talk to no less than three because they put you on hold to pass you off to someone else. I also had Associate XXXX never get me to a supervisor when I requested. I asked him three times before he finally put me on hold to contact a supervisor and then he kept me on hold so I finally hung up. 
XXXX from the executive office contacted my husband and he referred her to me and I still have yet to connect with her and its been almost three weeks since they talked. All I want to do is go back to paying my mortgage as agreed before covid assistance and the covid payments placed to the back of my loan as agreed. Thank you for any assistance you can offer
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files. Specifically, the negative accounts that are indicate in each letters attached to this complaints.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NV)

ATTENTION XXXX XXXX XXXX  ( XXXX XXXX XXXX ) I AM  SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal 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. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2017-09-25
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: AES/PHEAA (FL)

XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/20 I was notified that a credit card was attempted to be opened under my name at 2 stores. I did not do this - this was fraudulent attempt. The stores were Kohls and XXXX. I called and told someone that it was not me at each store. 

Today, I recieved a letter about an attempt by someone to open a XXXX credit card under my name. This was also not me and was fraud. I tried to call the store but they are closed due to it being a holiday observance ( black friday ) XXXX/XXXX/20. 


Please help. I did not attempt to open any of these 3 cards. I am worried that more is happening with my identity and credit that I don't know about because of this also.