davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  ( XXXX ) Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

A few years ago I had an account with XXXX XXXX. I left that bank and did not close the account. A few years later I started working on my credit and noticed that I had a {$29.00} charge off collection from XXXX XXXX. I called them and they explained that it came from the account never being closed and that maintenance fees are what made the account overdraw. It only being {$29.00}, I agreed to pay them and have it removed from my credit report. I sent them a money order for the full amount and within a few weeks the information on my credit report updated, showing the account had been paid. I agreed to pay them because they said it would be removed from my report. Not only is it still on my report, but it does not show the original {$29.00} amount that was being charged-off. So other creditors look at my account a see a charge-off showing paid in full with no original amount. 
They agreed to remove this from my report if I gave them the {$29.00}. Reporting as is does not make it much better had I refused to pay them, because now potential creditors have no way of knowing the original charge-off amount. This is a small bank, based in Alabama, that I should have never done business with.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXXXX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education . Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by XXXX XXXX XXXX. 
Ensure any inaccuracies in writing late payments on my account are corrected promptly. 
Require [ XXXX XXXX XXXX ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-12-05
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. (OH)

I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.
Consumer complaint received 2020-05-06
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. (NJ)

XXXX XXXX has 2 loans on my credit thats not mines, XXXX XXXX XXXX has a closed account on my account thats not mines, XXXX is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (IL)

I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I recently received a letter stating that I owe {$930.00} for an old XXXX account that I had going back almost 10 years ago. I had this removed from my credit report just about two years due to them not being able to provide any sort of proof of the debt within the 30 day time frame and the collection agency recently switched the name of their company from XXXX  to Convergent and now they are threatening to damage my credit if I dont pay the amount listed above even though the debt is way past the statue of limitations. Please investigate this matter
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (NY)

My loan servicer, FedLoan Servicing, has been unable to produce the Master Promissory Notes for my consolidation loans. These documents are required by a loan repayment program offered through my employer. I have called them approximately 8 times over several months for these documents. In the first few calls, I received conflicting information about whether or not FedLoan Servicing had the documents. Representatives also kept referring me to other sources instead of escalating my request with FedLoans, who is the servicer of the loan. The servicer is legally required to hold the Master Promissory Notes. 
When asked if they could provide any alternative documentation such as an affidavit that they have lost the promissory note, FedLoans representatives said that they are unable to do so. 
This represents a failure to provide a basic service to me as a borrower.
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (NE)

Recieved a phone call from a XXXX  area code claiming to be attempting to collect a debt for a XXXX XXXX account. When I asked how a company that no longer exists was trying to collect a debt they said that XXXX XXXX had taken over their accounts. Despite an uneasy feeling I set up a payment plan to settle the debt and was told I would receive an email confirmation of the plan. 
After not receiving the email and reaching out to XXXX XXXX I deemed the company to be illegitimate and cancelled my card. On the date of the first scheduled payment I received a follow-up call from another XXXX area code. After explaining the issues I had with the way they had done business thus far I told them I wouldn't set up another payment plan until I had received an email from their company as I had been promised. Once I received the email I found out that they are not located in XXXX. In fact, Unifin Inc. only has a XXXX XXXX in XXXX listed as an address. 
Seeing this I looked up who acquired XXXX XXXX and found out that they were purchased by XXXX/XXXX. I called XXXX XXXX  and asked if they could find any record of me and they couldn't and told me they have their own debt collectors and the number I was called from has no association with them.
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TX)

My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.
Consumer complaint received 2020-04-24
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: HSBC NORTH AMERICA HOLDINGS INC. (CT)

HSBC Bank XXXX XXXX, XXXX NY XXXX notified 1st by  phone XX/XX/2020 phone XXXX spoke to XXXX Fraud dept..Advised I was the victim of ID Theft, and a fraudulent account for {$6500.00} had been opened in my name.I sent certified mail a packet including : Identity Theft Report, Proof of Identity ( driver 's license ), Credit Report showing outstanding debt & Notice to Furnishers of Information. I requested the account to be closed, ( which I was told was done ), to remove any charges on the unauthorized account, and to take steps to remove information about this account from my credit files. I also told them to send me written confirmation that I am not responsible for charges on this account, and that it be closed immediately. I have NEVER received one call or letter from them to date. I have called them on several occasions only to be told they are working on it. Today XX/XX/2020I spoke to XXXX at XXXX since it has been 90 days! He said account was closed, that the investigation showed I was cleared. I informed him that XX/XX/XXXXstill shows I have a low score & I want them to contact XX/XX/XXXXwith updated information, clearing my bad credit! In addition I want a formal letter stating I am not responsible, so if I have a problem with my credit in the future I have something to show. He tried to get through to a supervisor, but after about 45 min. on hold, all he could do was email the supervisor asking them to call me. At this point I do not feel that I will get satisfaction without your intervention.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. 

Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. 
We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. 

I complied with their request with providing the purpose of the payment and it is currently pending. 

The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. 

My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. 

XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. 
I have already informed them that I will be filing a complaint to the FTC. 

The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. 

The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. 

I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. 

The larger concern is that they XXXX are auditing comments and invading consumer privacy. 

I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. 

If you require additional information, I will gladly share all of my correspondence with XXXX  regarding this situation.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Good afternoon, my information along with my wives has been compromised. Someone has been using our credit illegally and now our credit has accounts on it that have never been associated with us or accessed by us and now we have this crazy debt. We were notified of this this week when we applied for a homeland and were told after that we had these accounts on our credit report that did not ring a bell to us. We need to please get this matter resolved as our family was in the process of home buying. Thank you for your assistance.
Consumer complaint received 2015-10-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (OK)

I go to XXXX XXXX hospital and then the send a medical bill is {$3200.00} and then I said I have no capacity to pay the bill. I want to make payment arrangement. But the do n't say nothing. The send my bill to debt collection agency. And right now the collection agency charge of interest with my medical bill. So right now what I do.and I already contact to agency to make a payment arrangement like {$40.00} as month.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a motion to transfer letter from XXXX, XXXX, XXXX XXXX XXXX XXXX on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted XXXX, XXXX, XXXX XXXX XXXX XXXX regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the first letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - Midland Funding LLC. This letter regarding motion for transfer is the first correspondence received from XXXX, XXXX, XXXX XXXX XXXX XXXX at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (WI)

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call seven times in a minute. 
Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. 
No verification of this debt. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple XXXX  in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (GA)

On our XXXX XXXX  credit card statement, there is a line that reads : Paying Interest and Your Grace Period : We will not charge you any interest on your purchase balance on this statement if you pay your new balance amount in full by your payment due date. 

On our XX/XX/20 statement, the new balance was {$480.00} with a due date of XX/XX/20. 
We made payments of {$480.00} on XX/XX/20 and {$300.00} on XX/XX/20. 
This totals payments of {$790.00} prior to the XX/XX/20 due date. 

We should NOT have been charged interest on our XX/XX/20 statement but were charged {$2.00}.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.