davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (UT)

I have had issues with Navient. I applied for a loan back in 2007 and XXXX school when I was a XXXX that left me XXXX. I have been trying to repay my loans but due to the XXXX it has been hard to maintain employment. Because of this I have a limited income that is barely enough to even live on with none left over for anything else. The have continually pushed for deferment which only makes it cost even more in the end keeping me in the loop for an even longer time than usual. I have also asked that they remove the co-signer from the account be cause it is unfair to them to have their credit effected due to me being XXXX. I have also learned that Navient is under investigation for doing these very things to XXXX patrons of Navient.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I recently spoke with Chase and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and Chase actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as chase stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,
Consumer complaint received 2020-11-11
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: EQUIFAX, INC. (GA)

EQUIFAX suddenly resurfaced a very old long closed bank account with XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report and and made my credit standing drop a few points. This account was closed 12 years ago in XXXX. In XXXX, XXXX EQUIFAX started reporting it as a revolving account that currently closed and in the process lowered my score. 
I do not understand why an account that closed more than 12 years ago which is way past the 10 years limit for delinquent information would suddenly appear on my EQUIFAX credit report.
Consumer complaint received 2020-11-11
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: Lending Club Corp (NJ)

XX/XX/XXXX I sent in a dispute letter to Lending Club Company and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to Lending Club Company and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (NC)

Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1.  Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 2. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 3. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (OH)

I received a settlement offer from Credit Control LLC for an unpaid debt that I owed to the XXXX XXXX for a XXXX XXXX XXXX account. The total amount owed was {$2100.00}. The settlement amount offer was a XXXX time payment of {$740.00}. I paid the settlement amount in one payment. Once paid, Credit Control first argued with me and stated that they do not send letters stating that the settlement amount had been paid to the consumer, only to their client. After receiving an email regarding an account that wasn't even mine and four phone calls to a supervisor with Credit Control named XXXX XXXX I was finally emailed a letter stating that I had made the final payment. I was then contacted by XXXX that there had been an update to the account on my credit report. Upon receiving the update I was made aware that the company stated that I still owed the remaining balance on the account, even though they offered me a settlement, I paid it and was told that the account was resolved and closed.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I APPLIED FOR A LOAN AWHILE BACK AND AT THE TIME AND WAS EMPLOYED THEN BUT UNFORTUNATELY LOST MY JOB AND MY HUSBAND WAS THE ONLY ONE WORKING SO WE FELL BEHIND IN BILL 'S SO I WAS N'T ABLE TO PAY BACK THE LOAN RIGHT AWAY NOW IT IS IN COLLECTIONS AND THEY WO N'T STOP CALLING REPEATEDLY THROUGHOUT THE DAY SOMETIMES SAYING NOTHING OR SINGING IN THE BACKGROUND AND MY VOICE-MAIL IS FULL OF THIS MESS AND THIS HAS BEEN HAPPENING SINCE LAST YEAR FOR MONTHS EVERY DAY THROUGHOUT THE DAY AND I 'M TIRED OF IT
Consumer complaint received 2020-10-05
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: Self Financial Inc. (GA)

i sent out disputes to the credit bureaus on XX/XX/2020 about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed a police report also filed an ftc report as well.
Consumer complaint received 2020-02-04
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: CITIBANK, N.A. (PR)

COMPLAINT FOR : Citibank Na, XXXX XXXX  XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a XXXX store in the town of XXXX, XXXX XXXX without prior authorization. We had seen a sign informing us that we could take articles " without credit check '' what is known as " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and mine. That is against the law and it has been reviewed in XXXX  's credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the XXXX employee who attended us, we await your prompt attention. Thank you. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Complete Dept. Stores This inquiry could stay on your report untilXX/XX/XXXX 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

** In addition there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I got unemployment benefits from US Bank Reliacard and I can not access my money. I verified my identity at verify.usbank.com and still can not access my funds Reliacard Account ID # XXXX phone number for customer service ALWAYS give the same infuriating message about high call volume no matter what time of day and Hangs Up In Your Face. XXXX is a joke!!!!! I lost the QR code for activation and have no way of contacting them because they disconnect the line. I am starving and I need my money.
Consumer complaint received 2020-12-24
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: Capital Accounts, LLC (WV)

I had a dental bill in XX/XX/XXXX for approximately XXXX. I had 2 insurance carriers on file with the dentist and followed up in late XXXX to ensure the bill was taken care of by the insurance carriers. I was told at that time it was paid in full and no other payment was required. I never heard from the dentist again. Without any correspondence, I received a call from Capital Accounts LLC in late XXXX notifying me I had a XXXX debt with the dentist office. I let them know that account was paid in full over 2 years prior to their call. They refused to provide me documentation of the charge or the insurance payments and have continued to update the credit bureaus with the delinquent charge. I switched jobs and relocated and have different dental insurance and have had difficulty getting information from the previous dental carrier since the service provided was so long ago. Capital Accounts LLC again updated the credit bureaus this month of the delinquent charge making it look current. I don't see a way to get this resolved and do not intend to make payment for old unsubstantiated charges.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

We never signed the note only the mortgage, the note signer passed in XXXX. We were never billed, we were never notified of servicer changes, our payment or calls were not accepted. We were sued by Bank of New York Mellon who forged the note, violated stay in bankruptcy court, allegedly robo signed assignments, violated civil court mandatory mediation and abuse legal process by having hired 5 different law firms. One of which, XXXX XXXX went to a mediation with another attorney and even though Im pro se told the mediator that he represented me. This was done during a bankruptcy stay. XXXX, XXXX  XXXX XXXX and XXXX are the servicers and Ive never heard from any of them since XXXX. The lawyer that was misrepresented as mine although I am pro se is constantly trying to buy my house at a short sale and has harassed us about it for years although we have told him to back off.
Consumer complaint received 2016-06-17
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

Hi, I was recently hired to help pay my bills. I have submitted a loan modification with Wells Fargo a couple of weeks ahead of my foreclosure date. Wells Fargo kept asking for more documents which had my foreclosure date quickly approaching. I was notified 7 days out that the could no longer accept my loan modification documents. I asked if I could sell the home. Wells Fargo reply was yes. I hired a realtor before the sale date. The realtor was notified a day after the foreclosure that they could no longer accept sale documents.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (TX)

CRAs reporting innaccurate and incomplete information on my credit. I reported the notation of the following late payments not consistentt and did not recieve proof of such claimm or any physical evidence accounts came back verified. 

" Treatment of innaccurate and unverifiable data '' if after any reinvestigation under paragraph 1 of any information disputed by customer an item of the information is found to be innaccurate or inncomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX  MAIN LATE PAYMENT XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX INQUIRIES- Equifax XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (PA)

I currently have inaccurate payments showing up on my credit report with no resolution from Navient. 

I was accepted into XXXX XXXX XXXX  as of XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$3000.00} to Navient. Between these dates, I contacted them regarding my original complaint about not receiving protection due to me being XXXX XXXX XXXX and also whether I would be a part of the settlement. I furthered wanted clarification on what criteria would be involved. I would get bounced from the private customer service # to the military and even hung up on without speaking with anyone. I still paid XXXX on XXXX. I started school in XXXX and would still receive request for payment even when letting them know I was in school. I would again be transferred to a number that would hang up because anytime I stated that I am in the military they attempt to transfer me to that number. 
I am under contract to purchase a home and was now denied due to this inaccurate reporting of late payments. Navient still has me as not current and over 120 days. 

When I called Navient in the hopes that they could help. I was instructed to search credit reporting and do what the paragraph tells me, or I could upload my proof to their website. When I told him that my proof is the actual website which shows my last payment and me owing {$0.00} due to my school deferment, he suggested I just upload a word document requesting the removal of the inaccuracies. He stated that they had 30 days to answer me, even though I explained this was an immediate issue. I also told him that my options for upload were documentation for military certification or removing a cosigner from my loan. He stated to upload it to the cosigner section and eventually it would go to the right department. He acknowledges that 30 days started once the correct department received the information.
Consumer complaint received 2015-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

Due to a series of financial misfortunes, my wife and I fell behind in our mortgage. In XX/XX/2013 Chase Bank held us in default and refused to accept further payments, and has since begun foreclosure proceedings. Since that time we have tried in good faith to negotiate with them. Today we were informed that our request for a loan modification was denied because our income was " adequate '' to meet the mortgage payments. This is just not the case - loan payments and taxes on the house equal about half of our monthly income, leaving us insufficient money to pay our other bills and feed our XXXX children.
Consumer complaint received 2020-10-03
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: WELLS FARGO & COMPANY (IN)

Have repeatedly disputed this account for inaccurate reporting. Dates updated, last activity, last payment, and account status is all inaccurate. Please see uploaded report. This is clearly a violation of my rights under FCRA.
Consumer complaint received 2017-03-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Bliksum, LLC (CA)

Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sunset Management, Inc (PA)

Sunset Finance in XXXXXXXX XXXX. I have XXXX {$1000.00} personal loans that are not even 30 days behind and they have called my ex wife, mother, uncle, and ex father in law. Saying they need to get ahold of me about last money owed on a loan and I have told them I work XXXX XXXX to stop calling me and other family I am aware of what I owe them.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (CO)

I have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (CA)

I submitted a claim with wisely or XXXX, about charges that are unauthorized on my card. They stated they did a review and its not fraud, I do not live or work in the area that the charges were made. My card was comprised but they will not refund the card. My case number with them is XXXX.