davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX balance since XX/XX/XXXX. 

Loan XXXX has had a XXXX  balance since XX/XX/XXXX. 

Per the information and accounting provided on Navient 's website, all of the private student loans are paid in full and have a XXXX  balance. It is imperative to note, that Navient has told the DOJ in writing that the account information on their website has been corrected and now reflects accurate information. This is already logged with the CFPB in a previous complaint. 

The attached proof has the date, when the information was accessed, highlighted in the top left corner to show that this is current and being provided by Navient as of XX/XX/XXXX. Navient confirmed on XX/XX/XXXX that all of the information was now corrected. The website is the only way for a consumer ( me ) to review their account information, and is a reflection of the paper statements one may opt to receive. 

However, Navient is still requesting payment for loans that are paid in full. The attached is proof of Navient 's accounting that shows each private student loan has a XXXX  balance. I have highlighted where each loan shows a XXXX  balance owed. However, Navient continues to report erroneous balances and solicit payment through their billing. The most recent billing statement received from Navient was received on XX/XX/XXXX is also attached. 

After the loans had a XXXX  balance - Navient, sometimes years later - engaged in " loan sales '' and then added new balances to my account without any authorization or permission. 

All of these loans had XXXX balances that were reported for months and years per Navient 's accounting - which any reasonable person or entity would say as to be acknowledged and accepted. A company can not report a XXXX  balance owed for multiple years - and then later create a new balance for a customer without any new or additional services being rendered. 

All of the accounting information that shows XXXX  balances was created by Navient and provided by Navient - since this the accounting they have provided for years, there is no reasonable or legal explanation why it is not being acknowledged by them. 

I would like Navient to : ( 1 ) acknowledge the XXXX balances they've reported ( 2 ) declare all of the private student loans as paid in full ( 3 ) cease all further billing activity
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I have Aadvantage CC from Citibank for which we pay {$450.00} annually for family. I reported to them before going on international vacation. While on vacation I noticed fraudulent charges on sons credit card account in XXXX Florida, which I reported promptly while on vacation and international call ( around XX/XX/XXXX ). Upon coming back from vacation ( XX/XX/XXXX ) I called and no action or credits were given. I reported the charges again and was told to wait. No written communication was sent all along. Called again today XX/XX/XXXX and staff at Citi has no information to give and dont show the credits. They are ready to close my account but will not share any info. I am told to contact security team on weekdays. Citi has email for security team or senior mgmt to report the issue - not sure what they record in the system ... .very frustrated with them and want to report their careless attitude towards customers with fraud charges on the account which they should have caught especially when vacation was reported to them in advance.
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX did not report my payment history accurately. My reports do not show several payments report ( usually indicated as OK ). My reports indicate NO DATA AVAILABLE. XXXX XXXX claims they reported my payments. Below are the months and credit bureaus in which my payments were not reported. 

XXXX : XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX : XX/XX/XXXX Transunion : XX/XX/XXXX Please see reports and Credit Card statements as proof of payments for each month. 
Please note, XXXX XXXX did not generate a statement for me for the month of XXXX. However, My balance for XX/XX/XXXX is shown as PREVIOUS BALANCE on statement period XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IL)

To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.
Consumer complaint received 2022-11-21
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: Synovus Bank (IL)

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. 
I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Consumer complaint received 2020-01-11
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: EQUIFAX, INC. (OK)

there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX needs to send validation that this my account, and same with XXXX XXXX. XXXX and Equifax needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (NC)

The facility did not adequately disclose the cost of the expected services after presenting insurance card. There was no other financially obligation discussed. I was not contacted regarding any additional balance until it was in collections. My flex spending account would not accept the balance due to timely filing. I also received the explanation of benefits months after the date of service. This letter stated do not pay as it was just an explanation of benefits.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.
Consumer complaint received 2022-11-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (IL)

I have been working with Loan Depot for approximately six months applying for a loan modification. I have submitted two applications within that time. They have stalled and stalled claiming the need for documents that I have already sent them over and over. The latest now is that they have filed for foreclosure even while they are reviewing my last application. I have been served by the circuit court of XXXX XXXX with a hearing date set for XXXX. I have recently received a letter confirming that they were reviewing my application, so I am not understanding why they are moving along with foreclosure. I have been told several times that they would not move to foreclose as long as they were reviewing my application. Please help me in this in any way that you can. Thank you sincerely XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I filed two disputes with XXXX, XXXX  and equifax regarding information on my credit report being inaccurate. The first dispute letters were mailed out on XX/XX/2019. The accounts requesting to be corrected are as follows : XXXX XXXX XXXX, XXXX XXXX  XXXX AND XXXX XXXX. In addition, removal of incorrect late payments on DEPTEDXXXX  XXXX. From the initial dispute letters, XXXX  FAILED TO REPLY WITHIN THE 30 days time allotted. A second set of letters were mailed to XXXX, XXXX, and equifax on XX/XX/2019. To my dismay I received no correspondence back informing me of the results and/or status of my disputes. 
I HAVE NOT RECEIVED ANY COMMUNICATIONS FROM XXXX, EQUIFAX OR XXXX. I CONCLUDE THEREFORE THAT YOU WERE UNABLE TO VERIFY THE DISPUTED INFORMATION OF THE ACCOUNTS ABOVE. AS SUCH, PLEASE DELETE THE INACCURATE INFORMATION FROM MY CREDIT REPORT IMMEDIATELY AND SEND ME THE UPDATED COPY. PLEASE INSURE THESE ACCOUNTS ARE REMOVED PROMPTLY TO AVOID THE PURSUIT OF MY RIGHTS UNDER 15 USC SECTION 1681N AND 1681O, WHICH REQUIRE YOUR COMPLIANCE.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I was approved the AMEX XXXX card on XX/XX/2017. And I have spent XXXX in purchases within the first six months. I just want to get my additional XXXX bonus Starpoints. Thank you.
Consumer complaint received 2020-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I tried to get cash from my chase account through ATM machine. I request 20 {$20.00} bills and 1 {$100.00} bill, but got 5 {$20.00} bills and 3 {$100.00} bills. Malfunction machine gave me not only wrong bills and also wrong money amount ( XXXX XXXX  dollars less ). 
I called chase in the same day XX/XX/XXXX ( claim # XXXX ) .After this I found on my account 2 transactions related to this incident : DateXX/XX/XXXX DescriptionReversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} DateXX/XX/XXXX DescriptionClaim reversal : ATM WITHDRAWAL XXXX XXXX ALLER ClaimId : XXXX ( ... XXXX ) Amount {$100.00} It looks like no real investigation was made ( if its possible to get 100 % proof amount issue by ATM ), just its imitation by formally follow procedure. 

Please help me to resolve this problem. 

Thank you.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Tidalwave Finance Corporation (CA)

I bought a 2005 XXXX 2005 last year, And I already had to replace the transmission. And, The finance company That I pay, stated that I still had to make my payments.They only gave me 1 month leeway on my bill, And I still had to pay for the form to get processed. So In still skeptical about this finance company because I 'm finding out they gave me a precomputed interest rate, which means they could of put extra interest on the vehicle.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: California Accounts Service (CA)

CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX Balance : {$800.00}
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (CA)

I got a call from a representative who claimed to be from GE Capital regarding a debt to XXXX 's which is over XXXX XXXX XXXX. They call periodically throughout the year and threaten to sue me and serve me at work, but when I tell them the debt is too old, they hand up on me abs I dont hear from them for a couple of months. Today XX/XX/2020 however, they called the HR department at my place of employment, told them they were trying to get ahold of me and were trying to collect a debt. I called them back and the gentleman and extension XXXX told me he was going to sue me, show up at my place of employment and get me fired. I have told them more than once that I am not allowed calls at work, but they just keep calling and threatening to sue me. The number they left was The number is XXXX ext XXXX.
Consumer complaint received 2015-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Lloyd & McDaniel, PLC (KY)

I had a market and owed XXXX XXXX around XXXX when I had to close the market in XXXX XXXX. I had paid the original invoice down from XXXX XXXX. In XXXX an attorney started threatening me, and took me to court for the debt. I called XXXX, but they had went out of business and XXXX bought their inventory. XXXX is the company trying to collect my old debt to XXXX. Their attorney LLoyd McDaniel took me to court, but could not produce an invoice. I agreed to settle out of court, and pay XXXX to XXXX within one year. I sent XXXX check to them and they cashed it but would n't adjust the amount, and send a receipt, or stay in contact with me. The attorney filed a garnishment on my old bank, but I have XXXX assets, have a small XXXX pension in ky of XXXX monthly and the bank put XXXX. They have now contacted XXXX XXXX Bank after filing another garnishment, and attached XXXX to my wife 's cd, which is her back pay for ss XXXX. Teller XXXX XXXX attached the lien without checking the cd to see that her money is exempt, she had no ownership in my business and they can not legally garnish me on her money. I filled all this information in a few minutes ago, but the computer went down, so you might be able to pull up the completed form. I have asked for a receipt, and tried to send them another XXXX dollars but they refused it because it was on my wife 's checking, but my wife gave me permission, I am her representative, and have to monitor the account for the ss administration so my name is on all our accounts as rep. We need help, we are both very sick, she has numerous XXXX issues, and is now close to XXXX due to having our little amount of ss benefits attached. I am suffering from XXXX, and a XXXX we XXXX stay in the hospital with health problems..This company has been ruthless and has been using the district clerk in XXXX XXXX Ky. as their enforcement arm, even though we had a court signed agreement that I had until XXXX XXXX to pay the money. They are claiming several XXXX more, did n't give me credit for my payment and I have the check where it was cashed by XXXX 's. I only gave in on this because I have XXXX when I leave the house, and I have to monitor my wife constantly because of her XXXX state.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!
Consumer complaint received 2022-11-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

I got an auto loan with Wells Fargo XX/XX/2022 I paid my loan on time its been almost a year and there's no auto loan showing on my credit report, I called them in XXXX of 2022 and reported that my loan was not showing on my credit report and I have been making the payments. They said they were going to send a dispute error to all credit bureau. I never received and correspondence on what was the updated. I tried to trade my car in XXXX XXXX and the dealership ran my credit and still NO AUTO LOAN showing on my credit report. I made another complaint to Wells Fargo and they said that they was going to send another dispute to all the credit bureau and I have yet receive a correspondence. I just don't understand how I been making payments for a year and I have no credit for it.