davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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. (KS)

After completing a consolidation process to lower my monthly student loan payment through the XXXX XXXX XXXX XXXX, I was approved and have a confirmation email dates XX/XX/XXXX. My repayment to Sallie Mae, my private loan lender, was due XX/XX/XXXX for the very first payment after graduation - which would have been roughly {$450.00}. I was informed not to pay sallie mae, as the federal student aid would be covering the loans and it would take up to 90 days to complete the transfer process. I called and clarified this with the XXXX  company several times, as I was still getting alerts constantly from sallie mae my loans were overdue, and reassured I shoud n't pay because XXXX would be taking care of the matter. 90+ days go by, and no consolidation had been completes, sallie mae didn't have any record anyone from XXXX  had even contacted them to dispute the repayment amount. I am now past due with an amount {$1200.00}. Sallie Mae is unable to consolidate any of the past due amount, and the XXXX XXXX aren't willing to help, as they don't settle private loans - which i was unaware of, and was told several times repeatedly that they would take care of all my student loans - public and private. I was unfortunately misinformed about what was being consolidated - and now am unable to receive any help or assistance from either company. I am hoping to get this unfortunate miscommunication and misunderstanding settled once and for all, please!
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been disputing incorrect accounts that is reporting on my credit file, since XX/XX/2020. I have not seen a change in the information that is reporting. I asked for documentation on accounts as to who, when and why. I have never gotten a response are documentation to support the information that is reporting incorrect.
Consumer complaint received 2020-08-19
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. (FL)

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus XXXX, Experian and XXXX. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Consumer complaint received 2022-09-10
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. (PA)

Dear CFPB, In XXXX through XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

XXXX then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
XXXX Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for XXXX  's COVID-19 Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from Experian that indicated XXXX Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, XXXX has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, XXXX has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect XXXX  listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my XXXX Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have XXXX  and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that XXXX is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are XXXX XXXX  error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of XXXX not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by XXXX. 

Additionally, I have made several complaints with the CFPB against XXXX in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by XXXX. 

Thank you for your help. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-12-08
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. (CA)

On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I got involved with a third party service that advertised partial or full loan forgiveness for select schools and students. My school was under investigation for it's accredited status so I was qualified for full forgiveness. I was told that if I made three down payments of {$240.00} for the next three months, I'd be taken cared of. After those down payments I received a noticed stating that my student loan that I setup with XXXX XXXX was payed in full. This was back at the end of 2016, my last down payment was XX/XX/2016. Now i've come to realize that my XXXX XXXX loan wasn't paid in full, but instead consolidated with another service called Navient. I wasn't told that my loan would be paid for with another loan while I was signing off on the agreement. I was told that I would have my student loan forgiven and abolished after those three payments. The third party service I was dealing with is called XXXX XXXX, and upon reaching out to them I've learned that they have been sued and under current investigation. I have sent XXXX XXXX my social security and bank card information and lots of money for them to lie and hide the truth from me. I wasn't promised a consolidated form of action, I was promised for my loan with XXXX XXXX to be forgiven and paid for. I was scammed by XXXX XXXX  and I have numbers and dates to back up my claim that I will send along this.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 ; I purchased two XXXX watches at XXXX XXXX XXXX store located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. The total amount of the purchase is {$93.00}. The funds was withdrawn from my checking account I have with TD bank. However, on XX/XX/2022 another transaction in the amount of {$37.00} was posted to my checking for the same purchase. I called TD bank and explained to one of the account ; the funds of {$93.00} was taken from my checking however, I can not find the transaction in my checking account history. I was told by the accountant sees the transaction of {$93.00} however it was taken off. The accountant couldn't explain why the funds {$93.00} was withdrawn then taken when there is a balance of {$110.00} in my checking account and a balance of {$84.00} in my saving account.
Consumer complaint received 2020-08-19
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. (NY)

Ive been disputing a student loan with Experian & XXXX thats been on my credit report for more than 7 years. I disputed this same student loan through XXXX  and they removed it from my credit report. Experian & XXXX are claiming the information is accurate but, it clearly states the account was closed XX/XX/11 I dont know what else to do at this point
Consumer complaint received 2018-06-16
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. (CA)

XXXX XXXX ACCT NO XXXX IS REPORTING ON MY XXXX AND TRANSUNION FILES.XXXX IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (NJ)

The debt collector, XXXX XXXX XXXX XXXX  representing LVNV Funding XXXX XXXX XXXX XXXX XXXX has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.

VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.

I am getting no response at all about this.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capital Accounts, LLC (CA)

On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. 

XXXX XXXX is considered an " IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an " IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. 

I have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. 

Please check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. 

Evidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. 

Evidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an " In-Network '' they continue to bill the client. 

Evidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. 

I believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. 

If needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit, Inc (TX)

In XXXX, I lease an XXXX XXXX and the financing for the lease was through XXXX XXXX XXXX. In XX/XX/XXXX, I traded-in the XXXX and started a new lease for a XXXX XXXX XXXX. The paperwork was finalized and I owed nothing on the lease and only owed my first month payment at signing. The paperwork was finalized and XXXX XXXX XXXX took back the XXXX XXXX XXXX. The first week of XX/XX/XXXX, I received a notice that my XXXX XXXX payment was late. This car had been purchased back by XXXX XXXX XXXX several weeks earlier in exchange for my new lease XXXX XXXX. I tell XXXX XXXX XXXX the situation and they state that XXXX XXXX XXXX in XXXX Texas has not sent them the payoff. They have had the car for about a month at this point and I have no possession and have traded it back to them via all paperwork that was signed XX/XX/XXXX when XXXX XXXX was purchased. XXXX XXXX XXXX in XXXX Texas tells me that they are backed up getting the payoff information to XXXX XXXX XXXX. I ask them if this will be reported to the Credit Bureaus. I can not get a confirmation that this will not be reported to the bureaus since I do not own the car any longer and XXXX XXXX XXXX is slow to get the payoff to XXXX XXXX I continue to get late notices from XXXX XXXX XXXX even though I have told them XXXX XXXX XXXX has possession of the vehicle and I traded it back to them with the purchase of my new vehicle. I am now in the process of trying to figure out if the late payments have been reported to the Credit Bureaus and to dispute the information if necessary. Due to XXXX XXXX XXXX 's negligence my credit history my be at risk. This is an issue that others considering lease financing and working with XXXX XXXX XXXX XXXX need to be aware of in the future.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card. 

XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved. 

I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days. 

on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve. 

XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible. 

Is this how they valued a 25 years+ customer!
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted my ENTIRE information file needed for my business ' PPP loan VERY early. However, the support of my file has been very unresponsive. I finally received an electronic document in the XXXX filed which only asked me for information that was already submitted! There is no phone number to reach, the chat in the platform doesn't even work, and there is no email. This shouldn't be this hard with a large bank like Bank of America.
Consumer complaint received 2022-09-10
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. (FL)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. The dispute was filed with CFPB XX/XX/2022 complaint number XXXX. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (NY)

Dynamic Recovery Solutions is repeatedly charging me for the same debt that I have paid years ago. The current creditor is XXXX XXXX XXXX XXXX XXXX. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. Dynamic Recovery Solutions waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

Call navient about my loan amount to find out why it was so high. The responds I recieved from navient was, we are unable to tell you that information, because we can ouly go back so far, but what can tell you that your loans were merged together in 2011 and we are unable to see anything past 3 years. The next thing I was told by navient was to contact the schools i attened to obtain this information, I informed navient that I contacted XXXX but wes unable to contact XXXX XXXX XXXX do to the fact they were no longer in business. I thanked what do I do because my loans are totalling XXXX dollars and I know this can not be correct. Navient then sent me to another website were it gave me no information it all. Now I am being told that my payment are upwards of 1000+ dollars which i can not afford. With no help insight I have no ideal of what to do on this matter.