davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. ()

I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been communicating with XXXX since last year. The last letter I sent last XX/XX/XXXX, requesting debt validation. XXXX responded last XX/XX/XXXX. The burden of proof is on XXXX and not mine. Why are they asking me to send them proof? The amount that they are showing in the statement they sent, I have no idea where it came from. I don't think this is correct.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (FL)

I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX  credit bureaus as well.
Consumer complaint received 2021-06-25
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. (VA)

Hi, Hope you're having a wonderful day. I have multiple inaccuracies on my credit report that needs you all 's help. I've spelled them out in the attached documents and request prompt action in resolution. 

Unfortunately, there was a problem on your side when I originally submitted my requests, therefore I'm seeking confirmation and follow up within 30 days of this complaint. Thank you so much in resolving this matter.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (CA)

1. in XX/XX/XXXX, our mortgage lender ( XXXX ) sold our loan to a new company XXXX XXXX of XXXX , TX . WE ( borrowers ) were not notified for 4 months about the change of finance company. Todate we borrowers have not received statement of what amounts were received from XXXX ( previous lender ) Payments were not credited to the new lender ( XXXX XXXX ) meantime, The new lender ( XXXX XXXX ) has been sending us notice of DEFAULT AND INTENT TO ACCELERATE ... .. per letter dated XX/XX/XXXX. we have send letters to XXXX XXXX  ( 4 times, every month to explain and that they need to give us all the records of payment received, letters were sent via certified mail, but no response other than what amount they want to collect, and threat of Default .... ( also, urging us to refinance due to the fact that we have a very low mortgage rate at this time.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Ive just reviewed my credit report and noticed there are several inaccurate late items on my report. I have been a victim of identity theft and have contacted all three Credit Bureau 's and nothing have been resolved. I have opened cases each month for the last 10 months as well and nothing. There are student loans that were falsely opened in my name as well as late payments being reported.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (WI)

score after trying to have things off credit report requested old address information be removed from my credit report and I ended up losing XXXX pts. And suspiciously my info ws compromised on the dark web at th same time my inestigations were closed I dont feel they asked for more information. never gave me specific details of te typ of info you provide them.THis was a waste of my time and severely harmed my credit score
Consumer complaint received 2022-05-02
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. (VA)

XXXX XXXX, 2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX Bank was reported on my Transunion Credit report.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

Credit card was issued to wrong address and credit company reissued another card to corrected address on file. Previous Credit card account was never deleted from credit report. in fact, credit card company reported account closed with a balance on it. Ive tried disputing account off of credit report and credit card company did not remove account.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting a remark on my XXXX, Equifax, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

PRA PORTFOLIO RECOVERY ASS IS KNOWINGLY AND FALSELY REPORTING THAT THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX TO XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXX TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO TRANSUNION THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE IT WAS OPENED ON XX/XX/XXXX AS REPORTED BY CAPITAL TO THE CFPB.GOV PRA PORTFOLIO RECOVERY ASS. IS KNOWINGLY AND FALSELY REPORTING TO EQUIFAX THE ACCOUNT THEY PURCHASED FROM XXXX XXXX WAS OPENED ON XX/XX/XXXX. THAT IS A LIE THE ACCOUNT WAS OPENED ON XX/XX/XXXX AS REPORTED BY XXXX  XXXXTO THE CFPB.GOV THIS IS NOT A MISTAKE. PRA IS TRYING AND HAS SUCCEEDED TO DESTROY MY CREDIT WORTHINESS. THEY HAVE DONE THIS MANY TIMES TO MANY PEOPLE. THIS IS THEIR BUSINESS MODEL. BUY OLD ACCOUNTS REPORT LIES BY RE AGING ACCOUNTS. TAKE THEM TO COURT FALSELY. THEN DROP THE FALSE LAW SUIT. THE ACCOUNT IS RE AGED TO COME WITHIN THE TWO YEAR MARK TO DESTROY YOUR CREDIT.
Consumer complaint received 2018-07-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

60 days ago, I sent an investigation request to Experian. They are supposed to respond with the results within 30 days, but so far, I have not received anything.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I am a homeownership advisor with XXXX XXXX. On XXXX/XXXX/15 I submitted an RMA to SLS and received fax confirmation. I called today to check its status and was told that it had not been received.
Consumer complaint received 2023-04-06
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

CHILD SUPPORT XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$33000.00} ; XXXX XXXX XXXX OF XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

After dismissing an adversary proceeding XX/XX/XXXX, I was told by attorneys including XXXX attorney that they would work with me regarding paying back loan. I am currently unemployed. XXXX only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and XXXX said nothing else was available. My loans went back to Citizens Bank the original lender. XX/XX/18 Citizens offered forbearance but the form had to be mailed to me. XX/XX/XXXX XXXX XXXX from Citizens put account on hold waiting for forbearance. I filled out the form and faxed it to XXXX on XX/XX/XXXXas I was advised to and was told again by XXXX that forbearance was not available. XX/XX/18 received letter from XXXX that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by XXXX even though they escalate the call. I was told by XXXX that Citizens bank  didn't know that I had no options available.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Not my debt tried to tell them that multiple times but they call me constantly they even threatened my life I would like them to take this off my credit report and pay me some of {$1000.00} for the harassment phone call they broke the fair debt collection practices Act plus I am not even the grand tour of that credit card or alone or whatever this mark on my credit is I did not sign any papers to XXXX XXXX
Consumer complaint received 2022-11-18
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. (WI)

I applied for a car loan and didn't receive any property from them. 

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
Consumer complaint received 2020-05-05
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: Resurgent Capital Services L.P. (CA)

In my previous complaint with CFPB ( XXXX ), I  complained about the business practices of XXXX XXXX XXXX. I also filed a formal complaint with the XXXX XXXX XXXX  on XX/XX/XXXX. After I contacted XXXX  regarding my complaint, XXXX XXXX XXXX retaliated and sole my credit card account ( Visa # XXXX ) to third party which has now appeared on my credit report. In a letter I received from XXXX XXXX XXXX  dated XX/XX/XXXX, it mentions that my account for VisaXXXX was closed on XX/XX/XXXX which I was never informed via email or letter. I did receive an email on XX/XX/XXXX that the insurance for the Visa-XXXX would be cancel. Not once did this letter mentioned " closed ''. As I stated this retaliation against me from XXXX XXXX XXXX because of the complaint to the XXXX XXXX XXXX and my refusal to pay the excessive fees they attached to a couple of missed/late payments from over a year ago. Their tactics with the harassing, countless telephone calls on daily basis and now selling my account information to third party ( LVNV Funding LLC ) to collect I debt on the Visa-XXXX credit card in question that I had been paying on time for the past year is erroneous. I have worked hard to keep my credit report in good standing and now this company has taken despicable, desperate action to tarnished my credit score/report
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (FL)

Homebridge Financial Services did not pay my home insurance payments, even though they are legally required by FHA regulations. I first called them in XX/XX/XXXXand asked why my home owners insurance had not been paid, they told me that I didn't have an escrow account to insurance, even though its a legal requirement of a FHA loan, they even told my insurance company that the payment was not escrowed as well. After Homebridge corrected the original issue of not paying insurance, they got a hold of my provider, and mailed a check. apparently the check was not received or refused. Instead of notify me, they did nothing, allowing my insurance to lapse. Homebridge then sent me a fine for the lapse of coverage, which they are the cause of.
Consumer complaint received 2023-04-06
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. (CT)

When I reviewed my credit report, I realized that the same accounts were erroneous. The Experian is required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$23.00}, XXXX XXXX XXXX  Balance : {$25.00}
Consumer complaint received 2021-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to correct inaccurate information on my credit report. However, Transunion & XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to TransUnion to file this dispute Return back to XXXX XXXX
Consumer complaint received 2018-02-19
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. (GA)

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX
Consumer complaint received 2018-03-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (CA)

Yes I received a letter from check into the cash via postal Service. The letter alleges that I owe him a debt for a loan I took out. According to my knowledge and my records I have not taken out a loan with Check Into Cash since the late XX/XX/XXXX or early XX/XX/XXXX. The letter instructs me to get ahold of check into cash within 10 business days to pay in full a loan that I allegedly took out. If I don't get ahold of them within the 10 days they threatened lawsuit and garnishment of wages. The letter also alleges that they've tried to get ahold of me several times which is not true. What the letter does not say is the dollar amount of the debt and the date in which I took out the loan. I'm not sure what they constitute as reaching out to me on this matter. Because the only contact I've ever had with this company in recent years is to forward emails that I have received from them or someone on behalf of them stating that they are going to sue me because of a defaulted loan. In each case I was contacted by the company themselves and told that it was a scam. Outside of that check into cash has not reached out to me on any alleged debt that I owe them.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (TX)

I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MI)

XX/XX/XXXX Received a letter stating that my account was inactive and all funds would be sent to the state ( escheatment ) Called Wells Fargo re : letter and asked to close the CD and return funds, was told that I needed to send notarized form to them, Form was sent as instructed certified mail on XX/XX/XXXX Nothing returned, called again XX/XX/XXXX talked with XXXX at XXXX, he stated that his supervisor was busy, but they would get look up the form and get the check sent out Nothing done, life was busy .... 
Called XX/XX/XXXX, talked to XXXX who stated that I needed to call back in 3 business days and they would have the information to close the account, Called XX/XX/XXXX talked to XXXX, who stated that I could close the account by going on-line at wellsfargo.com and fill out the information, Looked on-line under my account, this is untrue, there is no way on-line to close the account, calling back but am very frustrated that they will not return my money. I realize that my CD is not due, but I will forfeit the little amount of interest to get my money.