davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NC)

XX/XX/XXXX - XXXX XXXXXXXX XXXX ( XXXX, AL ) attempted to collect a debt owed to XXXX for {$100.00}. I informed them that I've never had a XXXX account and this was the result of identity theft.

At that time, I took the following actions : 1. Reported fraud to XXXX 2. Filed a police report 3. Disputed the debt
to all three credit bureaus and froze my credit file 4. Reported fraud to the FTC Based on these actions, the dispute was revolved in my favor. 

XX/XX/XXXX - Source Receivables Management ( XXXX, NC ) is attempting to collect the same debt. I believe they purchased the debt from the previous collector. I shouldn't have to dispute this debt again after it was cleared two years ago.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I have repeatedly dealt with this company in every department about the status and predatory lending that lead to this debt and the violation on how it was reported to my credit report after a voluntary repo due to hardships and maintaining this account as a XXXX citizen I have not gotten no resolution just executive responses stating this a legitimate status and its not and from XXXX til XXXX 8 years later this company is still ruining my credit as a charge off thats overdue for time length on my credit!!!!
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provide any proof. I've only received corresponding letters with negative results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter, resulting in XXXX days at time waiting on dispute results. I've been disputing for years and now it has became a burden to my livelihood.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (CA)

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received corresponding letters with negative dispute results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting 60+ days at a tie. I've been disputing for years and now it has became a complete burden to my livelyhood.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NC)

We have made four payments to the new mortgage company Mr. Cooper ever since they took over our mortgage. The start date was XX/XX/year> every time we make a payment for some reason it gets reversed. We used the same payment method with the last mortgage company and had no problem or issue. I have called them and complained. I even made a payment on the phone with them. This is going on for two months already I dont know what to do and do not want to lose my house because of this situation. Please help
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NY)

I had a XXXX phone number, XXXX, which I used until XX/XX/XXXX when I traveled overseas. I returned to XXXX XXXX XXXX XXXXXX/XX/XXXX and promptly paid all my XXXX  bills until XX/XX/XXXX. In XX/XX/XXXX, I contacted XXXX customer service to deactivate my phone number, XXXX. 

To my surprise, upon my return from overseas, I discovered that XXXX had continued to charge me for an additional months, even after I had deactivated my service. Furthermore, they reported this unpaid amount to credit agencies without providing me with any prior notice.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Frontline Asset Strategies, LLC (FL)

In XX/XX/XXXX I received in my credit report an account that appears in collection with an opening date of XX/XX/XXXX. under the name of FRONTILINE ASSET STRATEGIES. 

I have never made an account with this company, so I kindly ask that this account be removed from my credit report. 

I am attaching a copy of the credit report where I demand that all the investigations be made and that all the laws imposed by the FCRA be complied with where the complete information of said account is shown which I do not have an account with XXXX. 

In the credit report, as you can see, neither the date of opening of that account, nor the payment history of this account appears. So I request that all the investigation be carried out and once completed, all the documentation is sent to me to verify said account since the account that appears in my report does not belong to me, much less I make any account opening in XXXX nor do I have a payment history.
Consumer complaint received 2020-07-02
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)

filed a ftc 45 days ago XXXX  XXXX  XXXX XXXX XXXX, XXXX TX XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX FL XXXX Phone : ( XXXX ) XXXX Equifax still showing the FTC violations
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

I have been making all my payments to mortgage company ( Caliber Home Loan ) on time, that includes Escrow ( tax, insurance etc. ). Recently I have been informed by my insurance provider ( XXXX ) that my mortgage company has not made any payments to insurance provider. XXXX has canceled my insurance and are not ready to reinstate the policy. I called Caliber four times in last three days between XXXX XX/XX/XXXX to XX/XX/2020 ). I was told by mortgage company representative ( on XX/XX/2020 ) that they will call insurance provider and will make overnight payment to reinstate policy. I called mortgage company again today two times and asked about the status on their discussion with XXXX. I asked them to connect me with a supervisor to resolve the issue. No supervisor was available and I was asked to leave a voicemail. I left the voicemail and requested mortgage company manager to call me back to resolve and close the issue. No called receive so far. 

My home is uninsured at the moment and XXXX has served me a collection notice. They are not ready to renew my policy. I have been suffering due to mortgage company 's ignorance on not making payments to insurance provider. There is no delay from me on my mortgage payments and all my dues are clear till date, still I'm facing this issue of non-payments to insurance company. Mortgage company is suggesting me to get new policy with other provider, which will increase my payment.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHSTATE CORPORATION (NC)

XXXX was an online app that you could join as a member and begin saving and debt payments. I had an account with XXXX and the monies were secured by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. However, in XXXX of 2022, XXXX stopped making payments to my lenders and merged with XXXX XXXX  XXXX XXXX, but they refused to communicate with me regarding my balance of my savings. After months of calls and emails and a complaint to CFPB, I was able to get some answers from The Federal Reserve Bank XXXX XXXX XXXX. ( see attached letter ). As you can see from the letter, things have been resolved with XXXX XXXX  XXXX XXXX, but SouthState bank has yet to refund me my money. 

I am requesting that you investigate SouthState bank, for return of my {$400.00}.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (WA)

Wire has been sent to the Bank of New York Mellon, but nothing has been credited. I have called the Bank of New York Mellon, and they have indicated an inquiry should be filed with the ordering bank. The ordering bank indicated the upon checking the XXXX number, the funds has been processed via Federal Reserve. I received another phone call today from the Bank of New York Mellon,  XX/XX/2024, shape at XXXXXXXX XXXX XXXX XXXX stating if I continue to contact them, they will sue me for harassment on a recorded line.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (SC)

Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have XXXX of the same accounts reporting.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

I received a copy of my credit report and seen a collection for {$370.00} the original creditor was XXXX charter communication which is a company called spectrum. I've never had a account with them, never received a bill or a debt validation letter. I have no idea what this account is about or what address is being serviced. This is a fraudulent account that I wasn't aware of.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (AL)

Amex has repeatedly sent mail correspondence with account and balance information showing on envelope or visible through envelope window. I have asked that they remove the old home address and only use the mailing post office box address and stop showing that this is a collection of past due debt!!!!!!. and they informed that they have to keep a physical address on file. They were informed that I no longer live at that address and will not get the information they are mailing to that old address. I let them know that I did not want the new owners to have my mail and they said their system will not allow to only have a post office address on file. The mail is showing my private account information and status.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX 3 unauthorized wire transfers were made from my business checking account with Capital One. {$18000.00} @ XXXXXXXX XXXX to XXXX XXXX XXXXXXXX XXXX. {$29000.00} @ XXXX to XXXX XXXX XXXXXXXX XXXX and {$28000.00} @ XXXX to XXXX XXXXXXXX XXXX. Capital One also charged the account 3 {$25.00} fees for the transfers ( total {$75.00} ) For each of these unauthorized wire transfers I was sent an email notice timed the exact time of the request and the sent. 
I spoke with Capital One about XXXX XXXX that day and was told it was in enough time to stop the transfer. 
I have spoken with Capital One regularly and have only received stock answers like we cant give you that info.nothing can be done till the investigation is complete, you cant speak with investigators. 
I have spoken with supervisors also with no help. 
We have had this account for many years and have never authorized Capital One to make wire transfers. 
We were not notified in advance that transfers were submitted and sent.. 
computer algorithms should have flagged these requests for transfers. 
We feel like we are being stonewalled. 
Please help us with the next steps.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JTM Capital Management, LLC (IL)

This company jtm is a company reported on my credit report that I owe a debt to them and Ive never signed a contract with that I asked for a payment break down and the original contract that. I also noticed they are not licensed to collect debts in Illinois
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I have paid every single monthly principle payment but NewRez and Shellpoint are committing a crime in a land grab of my property. 

They returned my payment for the month of XXXX. XXXX was paid and not sure where they deposited that payment. XXXX was just paid and there is no record of that payment either.
Consumer complaint received 2020-05-11
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. (FL)

I have contacted Experian to remove fraudulent/ unverified accounts from my Credit Report. Experian removed five items that were fraudulent/unverified. However two other accounts continue to remain on my credit report which is having a extreme negative impact on my credit score. I sent 4 certified letters with return receipt to Experian from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (FL)

UNIT INFORMATION FOR THE DEBT BEING COLLECTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TIMELINE : This unit was paid for on XX/XX/XXXX in the amount of {$360.00}. We then moved out of the storage unit XX/XX/XXXX which we have proof and email correspondence of doing so. 

On the XXXX of XX/XX/XXXX we were charged another {$300.00} for this same unit we did not use anymore, which was charged to our XXXX Credit Card. We then disputed the payment as we were no longer using that unit since our physical move out date on XX/XX/XXXX. This was charged back to the XXXX XXXX because corporate offices at Public Storage were not reachable, as well as their management offices at the physical location. We placed XXXX calls and nobody answered. 

Today, XX/XX/XXXX, Allied Interstate LLC, a debt collection agency, tried collecting this debt from me, in the amount of {$300.00}, and told us to reach out to Public Storage corporate. Which we did and they did not answer. We've left voicemails. 

COMPANIES INVOLVED : Debt collector : Allied Interstate llc XXXX XXXX XXXX XXXX pa XXXX Storage facility : XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate offices seem to deliberately ignore consumer calls for disputes on dates, payments, or fees especially when they do not seem to be legitimate. Corporate offices are unreachable at any hour of the work-week. And physical locations that have a management office ( a manager present ) is never reachable in-person and the front desk clerks tell you to call this manager ( who has more authority ) via phone. These " managers '' rarely actually answer the phone, and when they do they tell you to call corporate, who are definitely not reachable. This stems from a disorganization from the corporate offices to the management offices present on-site at the storage facilities. Accurate/timely records are not shared in between these two offices ( low communication )
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SameDay Auto Finance, LLC (TX)

This is my final notice to Same Day Auto regarding account XXXX. Your company has failed to validate this account when you were informed over 9 months ago that my information was compromised in the XXXX data breach. Furthermore, you are reporting a balance and trying to collect an alleged debt past the statute of limitations. The statute of limitations in the state of Texas is 4 years. This account should be reporting a {$0.00} balance, and this is more proof of why this account should be removed from my credit report. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb ; you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Lastly, you failed to send any proof of validation such as a copy of my identification such as my ID and SSC which is required for such contracts. Being that my information was involved in a data breach, you have no sure way to hold me accountable without validating your claim. I will be moving forward with suing your company if the account is not removed within 10 days.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (TX)

XXXX GLOBAL LENDING SERVICE 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 ALL OF THE ABOVE ARE USED XXXX XXXX AND XXXX XXXX XXXX. THERE IS NO WAY MY CREDIT SHOULD HAVE BEEN RAN IN ONE DAY! ALL THIS HAPPENED ON XXXX XXXX YEAR OF XXXX. I HAD MAYBE TWO COMPANIES TO RUN MY CREDIT BUT SEEMS LIKE IT'S BEEN SHARED. I WOULD LIKE FOR THIS TO BE RESOLVED BY HAVING THESE " PULLS '' REMOVED FROM MY REPORT.