davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: LoanCare, LLC (FL)

I live in the state of florida. Hurricane XXXX came across my county on XXXX/XXXX/16. I suffererd wind and water damage. I filed a homewoners Insurance claim. The insurance company paided my claim. Because it was over {$2500.00} the checks was made to me and the loan provider. XXXX c/o Loan Care is my loan provider. Loan care has a loss draft insurance section that handles all claims. I set up a account, overnighted both checks. I have received only food re-imbursement of {$350.00} from {$9.00}, XXXX that was issued to me. I have sent in all required paperwork, including receipts, bank statements and request for assistance from corportate. We have yet to received any written response from the company. The loss draft section I believe is committing fraud by hold non-loan money and documented repairs completion moneys from the homeowner and conducting deceptive business practices by dragging out this process. Every time you you call it is 3 to 5 days, 7 to 10 days. Stories change like the wind. I have numerous documents available to support this claim.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I have now mailed Experian twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

There is a false negative item reporting on my credit report on all three credit bureaus. I've contacted the creditor, and they have confirmed it's a mistake and should be deleted. I disputed the incorrect info and the 3 credit bureaus all came back saying it was verified with the creditor. I have asked for the method of verification and they have all 3 ignored me.

I have confirmed, in writing, from the creditor that they NEVER received any verification request from any of the bureaus. This is illegal and this has absolutely affected my livelihood by tarnishing my credit for years.
Consumer complaint received 2017-03-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

to be completely honest, I have no idea how this happened to me. Before I went away to college I allowed my parents to basically finance me through everything and now I regret it. They have put me in a huge debt and it feels like a huge slap in the face because I have no way of paying off these loans. I was legitimately unaware of all of these until a few weeks ago. All I want is help. My parents obviously did n't help me and now I feel lost and confused. Please help me.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-05-22
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: ResidentCollect, Inc. (TX)

Resident Collect (  XXXX  ) is a credit reporting agency that was sent a debt of {$6400.00} ( all  XXXX  credit bureaus ) for me from an apartment that I leased and do to some   XXXX   XXXX   XXXX  issue I allowed myself to be evicted to get away from the person that was making my life crazy, I also had an eviction amount ( judgment on my credit report ) for the amount of {$1100.00}, so in a since this amount was being reported twice, since its makes of part of the  XXXX , plus relating fees, and inflation fees. I contacted resident to pay the  XXXX , and get the judgment removed in  XXXX . But they could not take that partial payment and so I went to the apartment complex and   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX  and  XXXX  worked with me and took the  XXXX  payment and went to the courts and got me a release of judgement and I submitted that to the credit bureaus and it was removed and  one  was updated to satisfied, showing that it had been paid. I was assured by  XXXX  that there would be an updated amount sent to Resident Collect o n  XX/XX/XXXX , wh en I was in her office, she has since never returned my phone call, when I would call, they would act like she wasnt there and when I did get her, she stated she didnt know what to do because no one has every come in to pay a judgment, so it was new to her and she was relaying on her corporate office to send a updated version removing the  XXXX  from the  XXXX  amount. I so contacted Resident collect 4 times since then, the first time, they asked me to send them the release of Judgement and they would update it, that was back in  XX/XX/XXXX . Then each time I have called afterwards, they advised me they have reached out to the apartment complex, and they have not sent them an update and they would have to send a revision of the debt in order for them to update the credit bureaus. I created a dispute with the credit bureaus to have it updated, but it came back that resident collect is saying the  XXXX  amount it still valid, only because they cant get an update form the corporate office, which resident collect is saying probably should not have took my payment, but that was the only way i could 've ever resolve the judgment, because that money had paid directly to the apartment complex and maybe should n't have been added to that original amount. Either way, I have contacted the corporate office myself to try and resolve, I was given a local number  XXXX  and to speak with  XXXX  and I have left her  two  messages, with no call back. I also left  one  this morning. My issue her is simple and I dont understand why they are not willing to do what legal they should be doing and removing the amount of  XXXX  from the  XXXX , I can not even began to negotiate with the collector  one  balance, because its incorrect.     I
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

I got behind in my mortgage and sold the house on a short sale in XXXX 2016. Prior to the closing, in XXXX 2016, a tree fell on the roof and damaged the house. I called the homeowners insurance agent, and the agent came out and assessed the damage. The homeowners insurance gave me a list of contractor from which I chose a contractor to complete the repairs. The homeowners insurance cut a check, made out to the contractor, US Bank, the mortgage company, and me. I endorsed the check and gave it to the contractor. The contractor sent it to US Bank to be held until the repairs were completed. In the meantime, the short sale was finalized. The repairs were not quite done at the time of closing, so I got the approval of the contractor, the insurance agent, and the buyer to close. All agreed since the insurance company had already provided the proceeds for the contractor. The short sale was closed and the settlement statement was sent to the insurance agent to ensure that the mortgage had been paid. However, once the contractor completed the repairs, about two weeks later, the contractor was unable to get the funds from US Bank. US Bank applied the money earmarked for the contractor to principle even though they were paid out of closing the money they agreed to on the short sale. I called the claims department at US Bank. They told me they were instructed to do so by the default department. I spoke to the default department, and they told me that the mortgage assistance department was the department that instructed. I spoke to the mortgage assistance department, and they told me that I would have to speak with the claims department. No one there understands why the funds that were earmarked for the contractor were applied to principle, but I ca n't get anyone to take responsibility and reverse the error. In the meantime, the contractor has not been paid and is looking to me to make the payment. I ca n't afford such a payment. That is why I had homeowners insurance. I would like US Bank to pay the contractor the funds that were sent to them that were earmarked for the repairs to the property. I filed the claim correctly and did followed all the procedures required by the insurance company and the mortgage company. I would have preferred giving the funds directly to the contractors, but was told that the US Bank had to be included on the check. Now they have acted dishonestly and will not correct the problem.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

After attempting to update my new phone number that I requested from XXXX because my previous phone number was receiving non-stop spam text messages and calls. I spent 2 hours speaking to various representatives at chime trying to update my phone number. I was told by a representative that I was being transferred to another department and then my account was suddenly suspended. I still cant access my account after 24hrs. Chime is in possession of my legally owned money!
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

i requested full information on the reporting and validation of the tax lien/judgment. I see a claim amount but I do not see the liability amount. The judgment identification is also incomplete. I have disputed this several times with Experian. They have not been in compliance for over 45 days in regards to FCRA guidelines. I filed a complaint with XXXX regarding this before.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached XXXX email from a company I asked not to submit my credit to all these different banks and they done it any way. 
he following information is part of your credit history and is provided to others. 

XXXX XXXX BANK Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX RESIDENT SCREENING Date : XXXX XXXX, 2016 XXXX CREDITXXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX This item is currently being investigated. Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 THESE ACCOUNT LISTED BELOW ARE NOT MINES AND SHOULD BE DELETED. 
1. XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

2. XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

3. XXXX XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

4. XXXX BANK DELAWARE Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

5. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 

6. XXXX BANK Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

ON XXXX XXXX 2016 I WAS CONTACTED BY NAVIENT VIA EMAIL TO HAVE MY LOAN PUT IN FORBEARANCE. I RESPONDED TO THIS EMAIL WITH A YES AS INSTRUCTED. I RECEIVED AN EMAIL ON THE XXXX OF XXXX 2016 STATING MY LOAN AND ALL OTHER LOANS HANDLED BY NAVIENT WOULD BE PLACED IN FORBEARANCE UNTIL XXXX 2016. ON XXXX XXXX 2016 XXXX OF MY XXXX LOANS WERE SENT TO DEPT OF EDU IN DEFAULT AND ON XXXX XXXX 2016 AN ADDITIONAL XXXX LOANS WERE SENT AS WELL. THIS PUT ME IN TAX OFFSET AND MY ENTIRE TAX RETURN WAS TAKEN TO REPAY A LOAN THAT I WAS NOT IN DEFAULT WITH AT THIS TIME. I HAVE DOCUMENTATION TO SUPPORT MY CLAIM.
Consumer complaint received 2022-02-28
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: LEXISNEXIS (FL)

I was trying to shop for car insurance around 15 days back ( XX/XX/XXXX ) and my agent quoted a really high premium which was surprising. He told me that I had an accident on my file that happened in XX/XX/XXXX with my car and that is causing my insurance charges to be high from all providers. 

This accident happened on the car that I own now but I bought this car in XX/XX/XXXX ( 6+ months after the accident date ) and the accident happened with the previous owner but it wrongly shows in my report which is impacting my insurance premium. My agent was able to share a LexiNexis report with me ( reference # - XXXX ) which shows this accident on my report Car details : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) I tried to reach lexisnexis on their customer care and then website but there is no easy way to reach them where I can raise my concern and get the resolution.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

In XXXX 2012 I put my loans into forebearance due to financial hardships for 3 months. Navient failed to complete the forebearance on their end and after 3 months my loan was reported as severely delinquent to the credit bureaus. To add insult to injury, instead of just XXXX 90 day delinquency, they submitted XXXX! ( Apparently even though I make just XXXX payment, they consider it to be XXXX separate loans I have with them ). I wrote to them asking for removal of all XXXX from my record or at least XXXX of them as my credit went from mid XXXX to below XXXX, all my credit card limits were reduced to whatever my balance was which in turn lowered my credit even more as now I had several maxed out cards, where prior to that, I had at least XXXX to XXXX dollars in available credit on all of the cards. My appeal was rejected and it has taken the last 4 years to build my credit back up. I was not able to qualify for a mortgage because of that fiasco.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A. (CA)

In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me at all.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

Accounts with XXXX XXXX are reporting as closed. 

Student loan payments are not being reported at all Other credit card accounts are not showing or showing as closed. 

Causing me not have a score from them
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I RECEIVED THIS LOAN FROM XXXX XXXX WHICH IS NOW NAVIENT. I HAS NO IDEA OF THE CHANGE UNTIL I APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN PAYING ON THIS LOAN SINCE 2010 AND I HAVE MADE NO HEADWAY IN PAYING IT OFF. I ALSO CAN NOT GET INFORMATION AS FAR AS GETTING IT FORGIVEN FROM THE COMPANY ESPECIALLY BEING THAT THE SCHOOLS HAVE BEEN CLOSED DOWN DUE TO FALSE ADVERTISEMENT PROMISING JOB PLACEMENT WHICH I HAVE YET TO RECEIVE 7 YEARS LATER. I WOULD LIKE FOR MY LOANS TO BE INVESTIGATED DUE TO THE FACT THE AMOUNT DOES N'T SEEM TO BE CHANGING AS I CONTINUE TO PAY YEAR AFTER YEAR.
Consumer complaint received 2015-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been having a great deal of problems with payment acceleration ( as opposed to application to principal ) and payoff processes with both XXXX XXXX Borrowers and, especially, with Navient. I repeatedly asked that payments in excess of monthly minimums are made toward principal and they instead move out my next due date. I was told that moving out the due date was " the same thing as applying toward principal '' which it is clear not. At best, this is fraud ; at worst, this is a systematic theft from borrowers where the company puts up onerous barriers to prevent principal payments and uses intentionally obscure language and interfaces surround application of overage payments.