davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

1. I originated a XXXX XXXX with Sallie Mae ( now Navient ) on XX/XX/XXXX in the amount of {$30000.00}. 
I finally was able to pay off this loan with a balance of {$30000.00} or {$170.00} less than the original loan amount, after making payments for 15 years!!! I tried to understand how my payments were being applied but I could not make any sense out of their explanations! My conclusion - this company is a thief!! 

2. My payoff amount sent to Navient was {$30000.00} or an over payment of {$180.00}. In a telephone conversation with Navient on XX/XX/XXXX, I was told this amount would be refunded to my checking account before XX/XX/XXXX. Today, XX/XX/XXXX, I do not have the refund. I called Navient today and was told the refund would be processed in 5-6 days. I do not believe they have any plans to refund this amount! This is more of the same style of service I have received over the life of this loan! 

It is my opinion that this company is taking advantage of student loan borrowers and is acting in usurious practices and should be charged, at a minimum, with acting in violation of Fair Business Practices. 

If I follow the payment schedule provided by Navient this loan would never be repaid!!
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (VA)

IC Systems Inc added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. I C Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.
Consumer complaint received 2022-12-03
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: Receivables Performance Management, LLC (NY)

There was no contract or photo ID provided to me by XXXX XXXX or XXXX, I had been hacked before the XXXX and XXXX 
credit report from on XX/XX/2021 i ask for the contract from 3 place XXXX XXXX XXXX. XXXX receivbles performance not contract with XXXX XXXX XXXX XXXX XXXX from the collection company, so my information as been sold illegally, the amount is {$550.00}, they are evading my iright wrires, i what them remove asap. wrong information and fraud they are breaking the law
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/XXXX, I've received what appears to be a targeted email that reads the following : " Whether you are at work or working from home, home schooling or learning online, you have a lot on your plate. We think you deserve a break. So, order a meal for yourself or send one to  someone else. And, when you use your XXXX XXXX XXXX  XXXX XXXX  XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The email contained my name and the last 4 digit of the credit card for which the offer is targeted for. I went ahead and completed three purchases with XXXX XXXX  with the card in the month of XXXX as per terms of the promo. And now it's XX/XX/XXXX, more than 110 days have passed after the end of the promotion period, I still have not received the statement credit on my account. The last statement closing was XX/XX/ no nothing. Between XXXX and now, I've called and messaged the credit card issuer multiple times, and each time I was told to wait for the next statement. I called again today, after holding for 20 minutes,  talked to an agent, she acknowledged I was entitled to the statement credit yet was not able to tell me when I'd see it getting posted despite the email says " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion. '' Thus I'm filing a complaint to expedite this process.
Consumer complaint received 2022-08-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

The statements made by Equifax is not proven that these accounts are mines. Checking with the creditors but not providing documents is not proof. As requested numerous times I need copies of debt validation for XXXX XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX and XXXX  documentation that the debt was not settled as pay to delete. All the info listed as an explanation under Equifax completed investigation can not be submitted on my credit report without the companies shows this debt owed. Verified how where is the documentation that has been requested. Remove all of these accounts from my report if you can not provide written debt validation and payment history
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NE)

Ever since Seterus inc has taken over my mortgqage I was automatically 1 month behind. I have proven that this is their error as they illegally removes funds from my suspense account causing my payment for XX/XX/2016 to be short. They have illegaly scheduled automatic home inspections in violation of a ruling in an Iowa case which was upheld by the XXXX cuircut court which stated that this is a violation of RICO statutes. Please see attached documents. I have been threatened by the home inspectors they have illegally entered my home one was carrying a concealed weapon which caused me to flee in fear of my life on my own property. In violation of FTC regulations they backdate payments creating another late payment and late fee which is considered by the FTC and the Fair Debt Collections act to be illega That Seterus inc and  XXXX XXXX have previousely been ruled against in a class action suit.l. I have been harrassed by phone by automated calls for 2 years I have had Seterus representatives tell me " YOU HAVE NO CHOICE BUT TO SET UP AUTOMATIC WITH DRAWL FROM MY ACCOUNT ON A DATE AND TIME OF THEIR CHOOSING '. I have been threatened if I do not provide them with personal information that they have no right to have. Now in an effort to obtain their ILLEGAL FEES! they have commited BANK FRAUD by altering my XXXX mortgage check from {$510.00} to {$810.00} and applied every penny of that {$300.00} dollars to the fees I have been disputing for 2 years. This is a blatent criminal act.
Consumer complaint received 2018-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2018, I submitted a dispute to Equifax in regards to a collections account which is hindering me from purchasing my first home. I did not recall having an outstanding collections from a medical provider nor had I received any notices in the mail. I then sent a letter asking for Equifax to advise me of the names and addresses of the medical provider, the dates and types of services that were supposedly provided. I also asked Equifax to please provide me with the name of the person that provided the data and the manner in which the data was provided. 

After waiting almost one month, I received a reply from Equifax which just stated " verified and account belongs to you ''. It was devoid of any of the requested information that I asked to be provided to me. As of XX/XX/2018, I'm still trying to have this information deleted to no avail. I have not been able to be qualified for a home loan and I believe that's it unfair to damage a persons report. I have provided my initial request to Equifax and their response. I'm seeking help. 
Thank you for taking time to read this email.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call. 
XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser. 
This is FRAUD and I want justice. Please please please help!
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC. (CA)

I took out a title loan for {$3100.00} on XX/XX/XXXX and I started to pay extra on my loan because I was told the more I pay the more the interest would be lowered and I can have a early payoff with out a lot of interest. Well they are putting all ( majority ) of my money toward the interest and not my principal and as of today XX/XX/XXXX I have paid {$4300.00} towards the loan and they're saying my pay off day is in XX/XX/XXXX which will result in me paying a little over {$8300.00}. I was told that they cant adjust my loan and to pay {$1800.00} more at one time for an early pay off
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. Equifax advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2020-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

Due to financial losses of coronavirus I was behind on a few car payments with Wells Fargo. I spoke to someone around XX/XX/XXXX or XXXX  2020 and they said that they would give me two more months deferment If I paid too late payments whenever I come up with it in about a month due to financial hardship. The representative told me that they will reach out to me around XX/XX/XXXX to see the progress but no one ever did. I was away from home looking for additional work and helping family that had also been impacted by coronavirus and when I return home on XX/XX/2020 I checked the mail and received a letter from Wells Fargo stating that I had to pay a certain amount to bring the account current By XXXX XXXX, 2020 or else the account maybe considered for Charge off And the balance may come in the full. I called the same day that I received a letter on XX/XX/2020 and they told me that they already had charge of the loan on XXXX XXXX, 2020. Is it ethical business practices to charge off a loan before the paper notice of XXXX of XXXX 2020. They told me in writing that I had until XX/XX/2020 to pay the balance but then they turned around and charged off the loan on the XXXX of XXXX 2020. Now they are threatening and pressuring me to pay the balance in full when I have not even had time to properly respond to the notice. What can I do in the situation? Not only that no one ever called you back to give me the deferment that they said that I could get that they promised that I can get they just went straight on to charging off the loan.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a investigation letter to TransUnion, XXXX and XXXX to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and L account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Consumer complaint received 2020-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC (AL)

I fell behind in my monthly payments due to illness. My wife contacted them and told them this. I can not pay at the time and my wife told them she would let them know when I could make a payment. She asked them to stop calling everyday. However, they continue to call several times a day. This is harassment.
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I have repeatedly asked Experian, by both online dispute and phone dispute, to disclose my current address as my current address on my Experian credit report. ( And, to delete all old previous addresses. ) Experian will not state my current address XXXX XXXX XXXX XXXX, XXXX, MA XXXX as my current address on its credit report. Instead, they list this address at the bottom of a very long list of previous addresses, with a former address at the top of this list, where they continue to send me mail, and which my former roommate continues to write on the envelopes " RETURN TO SENDER/NO SUCH PERSON AT THIS ADDRESS. '' Despite my former roommate doing this, and despite my complaints to Experian by phone and online, Experian continues to fail to use my current address as my current address ( and refuses to delete all other former addresses on their very long list ). Experian keeps my current address at the bottom of their long list of former addresses for me on my Experian Credit Report. This situation causes problems for me whenever an agency or entity relies upon Experian to verify my current address, as such recently happened with my XXXX XXXX renewal form. Because XXXX relies on Experian, and because Experian keeps using a wrong address for me, I was not able to renew my XXXX online, as XXXX XXXX 's summary of my renewal said I now have to submit to them " Proof of Residence. '' If Experian would have included my current address as my current address, instead of deliberately keeping my current address at the bottom of a long list of former addresses they refuse to delete, then I would not now have to go and manually submit proof of residence to XXXX XXXX, but now I have this xtra burden because XXXX XXXX relies on Experian and Experian wo n't use my current address as my current address. Attached is the dispute results I already received from Experian falsely claiming they deleted all the former addresses when they actually did not, as well as the current Experian Credit Report for me dated today ( showing a total of XXXX former addresses, with my current address at the bottom of this list ), and a copy of the result of my attempt to renew my XXXX XXXX online, showing they now want " Proof of Residence '' because the Experian address for me did not match my XXXX XXXX residential address I truthfully included on my XXXX XXXX renewal. Note I have resided at my current MA address for more than three years. I can not get Experian to correct this situation.
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (NE)

Debt was a result of an identity theft and also a leak from several companies the original debtor wrote off the amount /charged off and still sold the debt to a collection agency i was informed and contacted the company several times and they never ceased or desisted the collection process and never went after the culprit neither about XXXX XXXX crime they reciprocate collecting the debt and also havent sent verification of original debt nor have been able to verify receipt of police report I mailed over about fraudulent activities
Consumer complaint received 2018-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

In XXXX, I completed a consolidation for my student loans. In XXXX, the Public Service Liam Forgiveness program began. A borrower who worked in a qualifying public service job was required to have consolidated loans and make 120 payments on a qualified repayment program. I had all that! As I neared the end of what I thought were my 120 payments, I contacted my lender to inquire about how to proceed. At that time, I find out my consolidated loans arent in the right program. I had consolidated my loans as FFEL, and that didnt count. I spent 7 years paying that didnt count. I had to go through another consultation in a Direct loan program and start 120 payments all over again. 
As I do more research, I see that there are many, many people in my same situation.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I came across a XXXX  post that was published by my friend. But I think my friends XXXX  account was hacked So I messaged him Im interested and he sent me another person XXXX account XXXX was the name of the person who I was sent too So she started explaining everything and told me she can get me approved for {$20000.00} in government grant So I agreed and sent her all my information So on XX/XX/XXXX she sent me to bank to withdraw my money ( {$5500.00} ) and send to some person named XXXX XXXX and told me she was gon na deposit the {$20000.00} to my account So I withdrawed the {$5500.00} and did a money transfer to account XXXX XXXX with the account number but I didnt get save the account number because she hacked my XXXX  account So after I deposited the XXXX to the account name and number she gave me. 
I told her I did it already After that she hacked my XXXX  account and changed my password to not communicate with her.. 
so yeah I got scammed and lost {$5500.00} Please if you can help me get my money back
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?