davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
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. (NY)

Navient is misdirecting overpayments of my student loans. As I understand, for federal student loans, it is required that any extra payment goes first to outstanding fees, then to interest accrued since my last payment, and then to the principal of the loan. I have two loans with them ( subsidized and unsubsidized ). My monthly payments are made on time with extra towards principal each time. Their online platform provides two options to make a prepayment, direct an overpayment and specify for each loan. Each time I request that an overpayment be directed to one of the two loans using either option for prepayments, Navient ignores the request ( even though the monthly payment is paid in full ) and divides the prepayment equally among both loans. It is my preference to pay loan XXXX   consolidation off before the loan XXXX. My attempts to speak with Navient brought me to customer service people who were unhelpful and would not take my compliant over the phone. The misappropriation of payment has been consistent for at least the past 12 months. If the payment requests had been appropriated correctly the balance of the XXXX student loan would be close to paid in full leaving me with half the payment I am currently making. By offering the ability to direct payments and then not honoring the directed overpayments is nothing more than deceptive and unfair. If Navient considers this one loan then they will likely force me to get a payoff letter for XXXX and just move the balance to credit cards which do not want to do.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (TX)

I have been in constant contact with 1st Advange regarding the misreporting of my backgound and credit reporting history while proceeding through the tenant background process. They claim that I do not have a credit history in the last two years when they checked with XXXX, which is total false. XXXX confirmed that they have not accepted to access my report. Due to this misinformation I was approved with conditions which involved a {$400.00} nonrefundable fee. In addition, the cost of the application to apply was a {$200.00} fee, has caused a total inconvience finacially. This is totally unacceptable.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (AZ)

On XX/XX/XXXX I checked my credit score and saw that my score had dropped significantly. After reading into my score, I saw that there was an account present that I did not open. And there was a charge of {$1000.00} to that account. I called the bank where that account was opened and explained that it was not me that opened the account. So, the fraud department at that bank told me that they closed the account, but I would have to file a fraud alert on the three major credit bureaus and then file a police report on Identitytheft.gov. Finally, I would have to send all this information into the bank in order to have the charge reversed and my credit cleared.
Consumer complaint received 2017-09-09
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. (CA)

Equifax 's data breach supposedly included my data which would easily allow someone to steal my identity and attempt to open credit lines in my name. Equifax 's handling of the situation thus far has been terrible, including trying to get people to sign up for a free monitoring service which included a clause attempting to force people to wave their rights to file a lawsuit against them ( I did not sign up for this service ). Also concerning is the news that higher ups at Equifax used insider trading info to sell stock before making knowledge of the breach public.
Consumer complaint received 2021-05-22
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. (OH)

I am being sued in two different cases in civil court in XXXX XXXX Ohio by LVNV Funding also known as Resurgent Capital Services. Both accounts are the result of identity theft, of which I am the victim. Resurgent, LVNV Funding and their affiliates/ attorneys, XXXX and XXXX are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding / Resurgent or XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. They keep passing the buck using three entities, Resurgent, LVNV Funding and XXXX and XXXX to dodge who is really responsible for answering my requests to investigate these accounts as fraud as per the Fair Credit Reporting Act.
Consumer complaint received 2020-05-30
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. (NC)

The credit reporting agency is mixing up mortgage loan with the credit card limit and showing the debt to credit ratio of 289 %, whereas the mortgage of {$420000.00} ( refinanced on XX/XX/2020 ) owed to XXXX XXXX is on a house that was recently appraised at $ XXXX. We owe a total of about $ XXXX on three credit cards with a total credit limit of $ XXXX as follows : XXXX XXXX - Credit Limit $ XXXX, balance {$0.00} ; XXXX XXXX XXXX limit $ XXXX balance {$0.00} dollars. XXXX XXXX XXXX credit limit $ XXXX, balance $ XXXX. Attached is the Experian Report.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes Credit Acceptance Corporation ( CAC ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state CAC has been actively pursuing collection of the above-referenced account. However, referencing a CAC letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my XXXX  report and lastly, page 3 of my XXXX report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile.

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information.

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting CAC remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Consumer complaint received 2020-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Everytime I file a dispute with Equifax they send me the attached letter l. Saying they can't locate my file to keep from investigating my dispute so I'm attaching the letter they sent me along with a page from my tax return with my Social and a check stub if Equifax persists in breaking the law I will be forced to file a complaint in Federal Court.
Consumer complaint received 2019-10-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (OH)

This agency has refused to provide documentation of the so called defaulted loan. They continue to report inaccurate and false information about a debt that does not exist. They have violated my rights as they continue to garnish my wages without ever submitting adequate documentation to support their claim nor was I ever offered an opportunity to dispute the debt. They immediately began to take my wages for debt that I do not owe. The data that is listed on their website about this apparent debt doesnt even make sense. After several recorded conversations two reps have admitted that they cant send documents that dont exist.They continue to violate my rights and steal my wages.
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I have been a victim of identity theft. I have filed a police eport along with a XXXX with XXXX listed on the FTC. I previously filed another CFPB case number XXXX and back on XX/XX/2019 XXXX responded to the CFPB request. I recieved a letter by XXXX in the mail stating they will conduct a investigation. At the time I also sent the police report identity theft and a FTC. XXXX has not been any help. They are refusing to remove the account that I never opened nor have I autohrized anyone to open a XXXX account without my consent therefore this account was opened fraudulantly. A few days ago I was notified that my claim has been denied by XXXX XXXX from the Executive office of customer advocacy department. Her contact number is XXXX. She has not done the proper investigation on my claim of fraud and I will explain why she has not. XXXX XXXX is refusing to have this account that I never opened removed from my credit files. I have filed a police report along with a FTC proving Discover that I am not responsible for this account. On XX/XX/2019 I spoke to a rep from the Executive office with the name of XXXX XXXX. He stated that my account was under another investigation. Please see attached FTC and police report. I am not linke for this account and it must be removed. I have never opened any credot cards with XXXX nor have I disputed any charges with XXXX because I never even opened the account. Another discrepency that I have discovered is that at the time of the application I was legally a minor with the age of XXXX. I will also attach my DL with my DOB along with my birth certificate showing my DOB. XXXX is not allowed to open any accounts for minors. Along with that when a application is submitted XXXX must verify the information on the app. In this case because I was a minor with the age of XXXX XXXX by law should have not approved this fraud account. I strongly believe that someone in XXXX has opened this account under my name without my authorization because this app should have been denied due to me being a minor at the time of the application. Please see attached birth certificate and other documents supporting my claim of fraud.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

In XXXX XXXX I signed up for bankruptcy. Unfortunately due to financial hardship, I declined the bankruptcy option. My case was dismissed XXXX XXXX, XXXX. Equifax is currently incorrectly reporting Bankruptcy case # XXXX ( see attached bankruptcy file ). They are reporting the bankruptcy was filed in XXXX XXXX.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I wired money from my Bank of America account to my account with XXXX In XXXX XXXX. The amount was sent but was then returned according to XXXX XXXX, it was been out back in to my account in America and I have been trying to get hold of someone in the bank to help me with this. even when I finally get hold of them I am transferred to another department, who either dont answer the phone or hang up. I have spent about 8 hours on the phone over the last 2 days and still havent managed to get to speak with anyone who is willing to resolve this issue. My confirmation code is XXXX
Consumer complaint received 2022-09-08
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: Fidelity National Information Services, Inc. (FNIS) (CA)

Went into my bank to cash a check. Was informed that ChexSystems was reporting negative information about me to my bank. Chexsystems has no permission from me to report negative or positive information, I never gave consent for Chexsystems to have my information. The alleged debt is 10 years old. My bank is not allowing me to use my account due to the negative report from ChexSystems. The alleged debt is from XX/XX/2012. I never gave consent for my information to be shared, negative or positive. I have no information or account number. I don't consent to extortion.
Consumer complaint received 2020-05-07
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. (CA)

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE XXXX XXXX REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/XXXX statement credit bal of XXXX was because this bank if you have autopay and have XXXX bal still takes auto pay from your ckg account. Called them they sent a ck for XXXX and also credoted my account which of course made me have bal ofvXXXX om my acct. Then my autopay was cancelled by me in XX/XX/XXXX when i found this out this basically was all goofed up so i thought i didnt have a balance was on vacation for 20ndays when i gotnhome i tried to straighten this out over phone pd bal plus late fee now they have reduced my avalable credit down to XXXX . Very unhappy with this bank and how they reduced my credit down to XXXX. And have 2 late pymnts on my record because of this mess. They sent me ck and credited my account, didnt they know this happened in their records.
Consumer complaint received 2017-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VT)

On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. 

One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 

1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 
2. Why is Navient sending in school deferment loans to collections?

3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX  XXXX. 
4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid.
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Early Warning Services, LLC (NY)

On Friday, XX/XX/2021, at XXXX XXXX  I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Loan number XXXX Dear Seterus, My husband XXXX XXXX passed away in XX/XX/XXXX. The first payment I made to XXXX was missed by XXXX, the account number with XXXX  XXXX. Later the loan was sold to Seterus, account number is XXXX. I never paid late to both XXXX and Seterus, but they charged me the late fee because that missing payment by XXXX. Finally, my son accidentally paid all the late fee in XX/XX/XXXX, where I was in XXXX, he paid to Seterus in the amount {$1500.00}. I had to call many times both to XXXX and Seterus. I had to file a case with CFPB first time in XX/XX/XXXX, the case number XXXX, second time with CFPB in XX/XX/XXXX, case number, XXXX. XXXX did issue me a check in the amount of {$970.00}, the same amount XXXX miss calculated the payment I sent to the bank after my husband passed away. Seteurs denied my complaints and sent me letters inXX/XX/XXXX and in XX/XX/XXXX said I am not the authorized representative. I was never refunded the late fees we paid inXX/XX/XXXX. I am the owner of the property, the title is in my name right now, I have attached the court document. My number is XXXX XXXX. 

Sincerely, XXXX Ma XXXX, XXXX XXXX
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I applied for a " {$1.00} '' credit report with Experian ( my customer # is XXXX ). This required a monthly credit monitoring service which was adverstised as my being able to cancel it at any time. I called to cancel immediately. They have been billing my bank account monthly ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for {$29.00} since. They have offered to refund only one month 's worth 'as a courtesy '' as they have no record of the phone call- which I did make. I would like my other two months refunded as well- as I cancelled the same day I enrolled- but they refuse.