davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (NJ)

i called arcadia recovery on monday XX/XX/XXXX at approx XXXX and spoke with a female agent who disclosed that the payment i sent in for {$250.00} was just processed on the day of my phone call. on wednesday at approx XXXX i was contacted by a male agent did n't get his name, he made numerous mentions to speaking with me prior to his call that I do not recall being he had a distinct sounding voice. I mentioned to him that I had just verified the debt being paid in full and all of a suddewn this male agent was calling regarding an additional charge of {$100.00} dollars being owed from XX/XX/XXXX. I requested a full transcript of the accounts that they ( Arcadia ) have regarding my ssn # that needs to be paid. This harrassment needs to be regulated and stopped, i 'm making amicable attempts to resolve these matters as best possible with the resources at my disposal.
Consumer complaint received 2023-02-26
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. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.
Consumer complaint received 2017-01-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (NC)

Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.
Consumer complaint received 2022-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MD)

Credit dispute letters were sent to the 3 credit bureaus XXXX equifax and XXXX. They did not remove the charged off accounts that have been remaining on my reports for over several years that have been paid. Credit inquiries and credit card balances still remain on my credit reports over 2 years. A past car loan that has been paid and settled still remains on my report. My initial complaint is that credit bureaus are not removing past and closed accounts in a lawful timely matter which further impacts my credit scores.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (KS)

I have XXXX separate private loans that with ridiculous interest rates. I offered to settle with them on both private loans. The woman I had been working with XXXX XXXX told us how much they were willing to settle for. My father and i asked for this in writing either through certified, regular mail even email. Our customer service rep XXXX XXXX promised to notate my account regarding the agreement for the settlement offers and said she would mail out the agreement so we had a physical copy in hand and could take time to read all the details. She stated that before she could make any of this happen she was needing a payment of XXXX right then to hold my account. So we paid right over the phone with her and still have n't received the settlement amounts we discussed. When I try to call in and check on the status to see if they have sent us the settlement offer letters the rep says they have no idea what I 'm talking about and nothing was noted in my account about this. I 'm not going to send them close to XXXX XXXX dollars without having it in writing. I also get a lot of robo calls even an hour after making that XXXX $ payment over the phone with XXXX XXXX. I 'm being charged almost 10 %. The amount owed in interest alone is more than the initial loan amount. Also I have department of education loans managed by them and consolidated all of them and ca n't get anyone to help with the repayment plan. I 'm currently laid off due to lack of work. But these people do n't care. They 've told me that my dad cussed and hung up on them which was definitely not true. We want to get this settled and paid off. Please help! My mother cosigned for my XXXX private loan she 's on XXXX because she had XXXX and they are putting negative marks on her credit. So irritating and XXXX. It could really make a person sit and cry.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (TX)

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active XXXX XX/XX/XXXX, on XXXX it says XX/XX/XXXX and equifax XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (MO)

AMERICOLLECT is listing 2 tradelines on my credit report that must be deleted immediately from my XXXX report. The tradelines have already been deleted from XXXX and XXXX but not XXXX. 
The first tradeline list nin collevtions on my credit report is for the amount of {$59.00}. This trade line states the account was opened XX/XX/XXXX and was addedd to my credit report this pass XX/XX/XXXX, which is against the rules of XXXX and the credit reporting agencies reporting it. The 2nd debt in the amount of {$68.00} I have submitted a request to verify this debt and send me the bill or statement and they refuse to validate this debt and the other debt like I requested and send me the info. I am requesting these two tradelines be deleted from my XXXX credit report immediately.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

I have been a victim in the Wells Fargo illegal repossession and overdraft fees. I have had 2 vehicles financed through Wells Fargo. I had been a customer with Wells Fargo many years up until XXXX. 
They repossessed my XXXX XXXX after making a arrangement with them in XX/XX/XXXX they repossessed a week before my arrangement to pay it. They did not give me any information on getting my vehicle back. I have spoken with XXXX at their executive office and she told me I didnt qualify for the settlement. She also told me information and sent me information that is a total lie. I have what I was sent. They have in the papers XXXX sent me a letter they claim to have sent to my husband?? where is my letter?? All other correspondence came in my name but this very important correspondence supposedly was sent to my husband but not me. My name was on the loan It wasnt through the dealer it was through the bank because it was a private sale. I actually dont even believe my husband signed any paperwork for a loan. Last year we were sent paperwork to give our tax preparer for our taxes that they discharged the debt for that vehicle and had us pay taxes on that. I also paid off a XXXX XXXX that I had a loan with them and it was paid off XX/XX/XXXX. They sent me 3-4 checks between $ XXXX {$34.00} that XXXX seems to think covers what was done to me. Also for years prior to XXXX they have charged me fees adding up to $ XXXX dollars a year for overdraft fees and I have all the paperwork to prove it. They would seem to apply deposits and withdrawals as to when it would benefit them.
Consumer complaint received 2017-05-25
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. (SC)

I have sent  XXXX  several letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informat ion (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA legisl ation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Consumer complaint received 2017-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Coinbase has denied me access to my account multiple times. The first time happened in  XXXX  in which it took 4 days to get a response back from customer service. When they responded they said that the issue, which was a " email rejected by my mail server,  XXXX  '' was fixed and I would not experience the issue again. It happened again on  XXXX   XXXX . I have n't heard back from customer service even though inhale left repeated emails, phone call messages, and social media comments on the channels they recommend. Their support system purposes does not address the issue and they denying of my access has resulted in  10,000 $ + of lo st revenue.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NY)

I have a Fidelity XXXX XXXX credit card which was changed to Fidelity VISA with Elan Financial Services. The Fidelity interface automatically takes you into your credit card where you can see transactions, pay bills, etc. I set up an automatic payment for the entire balance. Some weeks later, it stated the payment had not been set up. I went back into see what was going on, and experienced problems with the interface. I set up the payment again as it did not show my automatic payment set up weeks earlier. Subsequently, my credit card was charged twice and then I was assessed a {$25.00} fee by Elan and my bank when the second payment bounced. I attempted to resolve the matter but the bank will not credit the fee and I am left with charges for something that was not caused by me. Elan made all kinds of excuses and claimed it was my fault, even though they acknowledge that there website does n't show prepayments ( Fidelity 's interface does ). So, all new customers are left hanging, and with messages like the one I received indicating no payment has been set up when it was, and then leaving the customer thinking it must be set up again. Elan also failed to transfer payments set up on the old card XXXX XXXX XXXX XXXX, but transferred the balances to the new card. So, payments were made to the old XXXX XXXX card ( for balances incurred on that card ), but the balance had been moved to the new card, so the money was taken but not applied to the right card. In short, this organization ca n't find its XXXX for its yin yang and consumers are being penalized for the mismanagement of money.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (HI)

Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.
Consumer complaint received 2016-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.
Consumer complaint received 2023-02-26
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-26
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. (AL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.
Consumer complaint received 2020-04-20
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: EQUIFAX, INC. (IL)

Equifax removed an inaccurately reported banruptcy on XX/XX/2020 from my account and then re added the account XX/XX/2020. I was not notified that the banckruptcy would be re added.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Had loan for over 3 years and when making payments almost ex actually every 30 days and before they were due the principal amount and interest amount posted was always really different. On a payment of {$530.00}, one month {$100.00} to principal, next month {$27.00} to principal, next month {$43.00} to principal and on and on. Called them and they said it was all according to the number of days between payments. The difference was only 2 or 3 days. Would make additional payments between and nothing posted to interest. With no help or response I refinanced the loan to get away from Navient.
Consumer complaint received 2016-06-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.