davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (CO)

Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent. 

Multiple times my account was charged unjustifiable fees which is why I walked away from the account
Consumer complaint received 2015-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (CA)

Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) wrongly reported a delinquency / non payment on my credit report multiple times for XXXX student loan issue that was paid and resolved. 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. 3. The XXXX account at issue was wrongly reported negatively under multiple account numbers when the issue involved only XXXX Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (MI)

I still have a 90 day fraud alert on my credit report, where I expressly did not want XXXX nor did I request XXXX. I am submitting XXXX pieces of ID for verification and I an requesting the the 90 day fraud alert be removed ASAP. 

Additionally my report has XXXX number on it that are not mine, namely XXXX XXXX XXXX XXXX Residential XXXX XXXX XXXX XXXX Residential please have these removed as well.
Consumer complaint received 2020-08-18
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: EQUIFAX, INC. (CA)

I have no idea who XXXX XXXX XXXX is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...
Consumer complaint received 2017-10-10
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: JPMORGAN CHASE & CO. (MN)

I set up auto pay through my XXXX credit cards website. The only option I could find was " pay in full ''. After several minute of looking around the site I selected the only option available to me. Then several days later I noticed that my entire balance was taken out of my checking account, when I only wanted the minimum, which is what I thought I clicked. Pay in full amount of XXXX dollars that is due, and so forth. They were kind enough in reversing this and putting the money back into my checking account. However, when I went back into my online account to pay what would have been due, it said that no minimum payment was due. I then signed up for auto-pay on XXXX/XXXX/XXXX approximately, and this time the select minimum payment option was somehow very easy to find. Yesterday on XXXX/XXXX/XXXX I noticed a derogatory mark on my credit report that I no longer have a 100 % payment history. I then noticed auto pay was set up for next month, so I paid XXXX dollars to my card right away. I have XXXX late payment on my report for the month of XXXX XXXX. I called XXXX to complain and hopefully remedy the situation, but they said since it was n't a mistake on their end that there is nothing they can do.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX Mn XXXX XXXX / Dob XX/XX/XXXX REPORT # XXXX EXPERIAN CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The XXXX Disclosure to consumer requires CRA to disclose the sources of information reguarding the negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the XXXX disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you XXXX XXXX
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes, certified mail receipts, etc.. please let me know and I will forward them immediately. Thank you
Consumer complaint received 2015-04-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending (CA)

I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out.
Consumer complaint received 2018-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/2018 I went to deposit cash into an atm in XXXX, PA. 
It kept spitting out bills and would not take them. Because of this error of the bank, I received 2 overdraft fees. My close relative was in the hospital, and I could not get to the atm by XXXX, but this was an emergency situation. I at least wanted to have the full deposit in there asap of {$650.00}. 

I have had multiple problems with their atms, at many of the branches. 
I want these fees reversed, I am going through a major turmoil with my family right now and do not need aggrivation!
Consumer complaint received 2015-04-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

XXXX closed their business in XX/XX/XXXX, but I had made attempts paying my payments on time for 15 years on a XXXX limit account. My account was in good standing for 15 years - never late. Between XX/XX/XXXX and XX/XX/XXXX, I was told that my payments were not to be made at store any longer - even when pleading with manager to save on stamps to mail payments. I told them that when making payment to XXXX processing center - my payment was not received and in XX/XX/XXXX told that they received all my payments and that my account was going to be placed as paid in full. At some point in time, XXXX XXXX took over the account and claimed that I owed XXXX dollars on an account paid in full. I requested to be given all my account information they had in file - but they repeated the information I had told them about being in good standing for 15 years and that I owed GE Money bank a balance unpaid. I did not agree with them and told them they were mistake, but they kept insisting that I sent them my information to clear their records. I never ever had an account with XXXX XXXX or made any agreements with them, but they have have not complied to my requests since they created their fictitious amount in XX/XX/XXXX. Please investigate this company and have them remove their account from my credit report and any associations with me.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NJ)

The company XXXX XXXX has purchased a debt from XXXX under my name and it claims I owe. I have never used any XXXX products nor do I ever will. 

They are located in XXXX XXXX, NJ
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My personal information was leaked or stolen in late XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait XXXX years I guess for this to fall off my credit.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (VA)

I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

I went to XXXX to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I contacted experian in regards to a public record for a chapter XXXX bankruptcy list on my file. I disputed this public record mark and asked for verification and they said it was valid. I then contact the bankruptcy court to ask for XXXX procedure in reporting to the credit bureau 's and they responded that they do not report any information to the credit bureau 's. XXXX must have pulled this information from a 3 rd party and the court verified it with me that they do not report to credit bureaus and therefore the public record reflecting this information must be deleted from my credit report.
Consumer complaint received 2016-11-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: STERLING JEWELERS, INC. (TN)

XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I DISPUTED 2 ACCOUNTS ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX, IT SHOWS TWICE ON MY CREDIT REPORT FOR TWO DIFFRENT AMOUNTS. THESE ARE NOT MY ACCOUNTS AND THIS COMPANY CAN'Y VERIFY MY SOCIAL OR NO OTHER INFORMATION AND TOLD ME I WOULD HAVE TO DISPUTE THIS WITH THE CREDIT BEREAU, THESE 2 ITEMS WAS DELETED FROM ALL OF THE CREDIT BUREUS EXCEPT EQUIFAX, I ASK THEM TO SEND ME VERIFICATION OF THESE 2 ACCOUNTS AND THEY HAVE NOT SENT ME ANY VERIFICATION OF THESE ACCOUNTS AND HOW THEY WERE VERIFIED, IT HAS BEEN OVER 30 DAYS AND DISPUTED TWICE AND ALL THEY SENT ME WAS AN UPDATED CREDIT REPORT SAYING IT 'S BEEN VERIFIED WITH NO ADDITIONAL INFORMATION. THESE 2 ACCOUNTS NEED TO BE DELETED FROM EQUIFAX, THEY WERE ALREADY DELETED FROM XXXX AND XXXX.
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Reaching out about the Wells Fargo lawsuit, involving my mothers then Mortgage. XXXX XXXX XXXX Its the XXXX XXXX dollar suit. We closed her mortgage in XXXX, she had the mortgage from XXXX, it was modified a number or times.