davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

This account was placed in default on XX/XX/2018. It just came off of a Derferment in XX/XX/2018. I stopped getting any kind of mail from my loan servicer in XX/XX/2018. I received no calls or any correspondence from my servicer, XXXX. They put the loan in default without corresponding with me. I received 1 phone call from XXXX XXXX 3 weeks ago. I was told to contact XXXX. I contacted my servicer, XXXX. I was told to contact XXXX. I was getting the run around from all parties involved. I worked a little part time job last year. I was able to receive an income tax return, but it was taken, by Navient without notification. With Navient taking my income tax, it has put me in a major bind financially. Examples : Electricity due to be cut off any day, Phone is due to be disconnected any day, Car is due to be repossessed, etc. I didn't know who my servicer was until I called several different places. I did a review of the company, Navient. They have 4 lawsuits against them currently for Student Loans. The  customer service representatives with this company is extremely rude. I couldn't get a word in at all with the several representatives I did come in contact with. I need some serious help with this situation.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, 2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, 2014. Please refer to the XXXX dispute results, dated XXXX XXXX, 2014. However, XXXX XXXX reinserted the previously deleted information through XXXX XXXX XXXX XXXX, XXXX in XXXX, 2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, 2014. This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. XXXX XXXX XXXX XXXX XXXX has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having XXXX XXXX XXXX XXXX XXXX reinsert the negative credit item under my name. XXXX XXXX XXXX XXXX XXXX is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
Consumer complaint received 2022-09-03
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: ALLY FINANCIAL INC. (CA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$7000.00}
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. on XX/XX/2018, I submitted a complaint to the CFPB asking MIDWEST RECOVERY SYSTEMS to VALIDATE a debt that they alleged I owed. At that time I respectfully requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them seeing as I had never heard of them, had no written contract with them and had never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS had submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and was demanding payment from me in the amount of {$410.00}. They responded to my complaint but made it very clear that I did not have any financial obligation to them in their response that stated " Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. '' I did not request for validation from their " client. '' I requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them ( MIDWEST RECOVERY SYSTEMS ).
Consumer complaint received 2016-06-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CNG FINANCIAL CORPORATION (MI)

I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.
Consumer complaint received 2015-11-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to Transunion, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

I had an account with CHASE Bank, however they rejected a direct deposit from my employer and stated that I " owed money '' from a dispute when my card was stolen, they NOT only rejected the direct deposit, and caused additional fees for me, BUT REJECTED the direct deposit and CLOSED my accounts without any notice - THIS is NOT right and caused over XXXX in fees and charges that I did NOT do! ontop of causing me not to get my paycheck!
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

XX/XX/XXXX RE : American Education Services XXXX XXXX   XXXX XXXX, PA XXXX RE : Mishandled Payments Not Credited To My Account Dear AES : The following payments have not been credited to my account as is required by contract and law, which is resulting in incorrect information regarding total balance due on my student loan repayment, thus prohibiting and extending my loan payoff : Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$100.00} Payment Made XX/XX/XXXX for {$50.00} Payment Made XX/XX/XXXX for {$50.00} These four payments appear to be lost in your system somewhere and have not been appropriately posted / applied to my loan repayment plan. These four mishandled payments at different times is a lot and may go well beyond the occasion of carelessness. These loan payments have not been applied or posted by either AES or XXXX. 

To resolve this matter immediately : 1. I request credit for all of these repayments made to repay my student loans ; 2. I request interest be recalculated for the life of the loan to include these repayments at their proper time frames and those dollars credited towards my payoff. 
3. A new readable printout statement showing complete payments, plus interest, and principal paid, with a new lower principal balance and payoff amount. 

For convenience and to quicken the investigation, I sent AES verification that payments were made as stated above and recent copies of the Account History with no indication that payments were ever posted. Corrections to my account need to be made immediately before the next statement and prior to any further payments due. 

I thank you for your immediate attention to correct this gross mishandling of student loan payments made to AES. I look forward to immediate correction. 

These issues have been reported to AES several times including in writing, via their internal Internet, and via telephone. Copies of Statements have also been sent to AES. Personal information is available upon request.
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Ascendium Education Group (WI)

Idiots. This is not a duplicate complaint. ONE IS FOR XXXX. THE OTHER ONE IS FOR ASCENDIUM. 

NOT A DUPLICATE NOT A DUPLICATE NOT A DUPLICATE XXXX This is for Ascendium. 

NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. NOT A DUPLICATE. 


YOUR COMPLAINT Ascendium, the loan guarantor ( and XXXX, the loan servicer ) are both threatening collection action, call the loan and damage my credit history for an amount they claim is overdue, but I am actually paid ahead. Ascendium sends letters and calls, but I offered to sit down with someone to go over my payment history evidence. Ascendium tells me I have to talk to XXXX. " ... see attachment for full text. ''
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARS National Services, Inc. (NY)

I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (MI)

On XX/XX/XXXX I received a loan for the amount {$18000.00} from lending club after receiving a denial email from them. I have never once received a letter stating that I was approved or anything pertaining to an account number with them. I immediately cancelled the loan with them, but due to them sending out the money I had to wait for it to return from my credit card companies. XXXX XXXX sent money back to my account ending in XXXX and XXXX XXXX XXXX XXXX XXXX did a reversal and sent back the money directly to Lendingclub Bank & affiliates. XXXX XXXX previously sent out a letter confirming where they sent it back to and this will/can be provided once delivered again. As shown in my bank statements is the following : XX/XX/XXXX Received {$6700.00} from Lendingclub Bank in account ending XXXX XX/XX/XXXX Received Refund of {$6800.00} from XXXX XXXX in account ending XXXX XX/XX/XXXX Reversal of {$5200.00} sent back to Lendingclub Bank in account ending XXXX XX/XX/XXXX Lending Club withdrew full amount of loan {$18000.00} from account ending XXXX XX/XX/XXXX Received overage paid of {$5200.00} back from Lending Club in account ending XXXX Lendingclub Bank will not send cancellation/termination letter stating loan has been fully refunded. Yet have now sent an email stating there is a new loan of {$5200.00} and will be trying to withdraw it in the next 7 days. They say that the account is past due and are trying to collect a debt which is not owed and have a recorded conversation of ours today XX/XX/XXXX at XXXX Eastern Time to confirm this. Lendingclub Bank is also still reporting this loan to the credit bureaus as full and unpaid.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

I have an HSA account with the Bank of New York Mellon. They have failed to disburse any funds from that account for the last 6+ months. Their checks have not worked on multiple tries at my pharmacy. Their credit card has not worked on multiple tries at multiple pharmacies. They have failed to send me a new credit card. On the last occasion, after claiming my direct deposit transaction was 'completed ', they failed to actually deposit the funds into my account. This caused the last check I wrote to bounce by a ~ {$3.00}. And of course, they charged me {$25.00} for this. This check was an attempt to rollover the funds into a new HSA account since they have failed to provide services to me. 
At a minimum, I would call their failure to disburse my money a lack of good faith. But judging from their timing in not depositing funds while at the same time 'trying ' to cash a check, I suspect deceptive practices. I was also told on the phone that if I close my account, they will continue to charge me monthly fees. The person I talked to also refused to pass my call to a supervisor.
Consumer complaint received 2023-03-22
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (MI)

I have a debt with XXXX but trueaccord has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX//18. This is not okay. Please help me. Her name is XXXX XXXX
Consumer complaint received 2019-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AZ)

I have a PayPal card I reported unauthorized charges on my account for XXXX XXXX active and other charges that I didn't make. Pay pal credited my account for the charges totaling I believe XXXX once I received my money back I used it. Close to a week later PayPal took it upon themselves to take the funds out of my account. I called in multiple times and spoke with customer service representatives concerning this issue they refused to help me or return my money I have filed an appeal on their decision but still they kept my money I didn't know what my next steps were on how to get my money back. This happened back at the end of XXXX I believe.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. From my investigation these accounts listed do not belong to me.