davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Experian advised me to contact a collector ( XXXX ) for proper documentation since they had validated a dispute I initiated with the CRA. I followed their advise, to which the collector was unable to properly validate. I never received validation from collector after several attempts, I just received a printout. I then sent all documentation to the CRA and asked them to remove the account in question, to which their final response was ... '' We have previously processed this dispute and the credit grantor has verified its accuracy. " ... we will not re-investigate. I have all supporting documents including printout if needed.
Consumer complaint received 2015-08-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. I did not do a online application for a XXXX XXXX credit card on XXXX. I already have a XXXX XXXX credit card. I called numerous times of the agent assures me that " IT WAS TAKEN OFF MY CREDIT REPORT '' Since XXXX I have called over 4 times and get the run around.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

I contacted Experian more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than 2 years, but XXXX XXXX refuses to report the change to the credit bureaus, and Experian refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Experian, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Experian. I am filing separate complaints for Experian, XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

My credit report reflects XXXX accounts that I was an authorized user on these accounts. The accounts are XXXX with XXXX and XXXX account with XXXX XXXX XXXX. Upon my mother 's death the XXXX accounts were provided a copy of the death certificate. My mother was the primary account holder on these accounts. I did not have a financial responsibility on these accounts.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Information on my report is not mine, identity theft, personal information is not mine, accounts that are not mine and have never had, and places i have never lived. Since late XXXX, i have been goring through with this credit agency, i submit a dispute, they then deny me access to the account, i call and they tell me they have fixed the situation. when inn fact that has never happened with experian. once again this happen, today XXXX/XXXX/XXXX. they continue to charge my credit card for services i do not request. then deny me access to the account. i am unable to print a copy of my full report. here is a list of atempts to deal with this service. and there is much more.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ALLY FINANCIAL INC. (TX)

In Late XXXX, I was overcharged at a XXXX XXXX in XXXX. There appeared to be a dispute for the billed items. I agreed to pay {$300.00}. The XXXX XXXX did not give me a receipt nor have me sign anything. 

When my statement came on XX/XX/XXXX, I saw they had charged my card {$600.00}. I called them and they would not take my call nor return my call. I reported the fraudulent charge to XXXX card the next day and explained what happened. 

XXXX then sent me a letter saying I needed to provide an invoice that showed {$300.00} with my signature. I explained that did not exist, and neither did an invoice signed by me for {$600.00}. 

XXXX then sent me a letter saying they were denying my fraud complaint. They then sent me a nasty letter saying if the amount is not paid, they will report to the credit bureau. The amount I contested was paid as soon i as i saw they were trying to charge me interest before the claim was denied. 

I am referring to the CFPB because my card was charged a fraudulent amount, the merchant has no proof i agreed to the inflated amount, and XXXX card has called me a liar and threaten to report me to the credit bureaus if i do not pay something i have already paid.
Consumer complaint received 2017-10-15
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. (NJ)

I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit 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. (CA)

Late XXXX I purchased a XXXX  online at Best Buy and I chose next day pick up..I picked it up next day..Few days later I was charged for a second XXXX that was going to be mailed to my home, but the XXXX never came..I did not make that purchase..I mailed the credit card through the website and explained what happened and they took off the second charge..but a month later it was back on my account..Ive been messaging back and forth for 4 months now but I keep getting automated messages saying its been cleared up but it has not, the charge remains on my account
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I am a parent co-signer on my children 's student loans with XXXX, Navient and the XXXX. I want to pay down principal but ALL of them refuse to apply the extra payment to principal. I sent written instructions to XXXX twice and they ignored them. All of them apply it to the next payment. I sent an email to Navient and they sent me a generic " how they apply extra payments " with NO instructions about paying down principal. I 'm so tired of hearing about people in default. We want to pay it off sooner and all of them are blocking us from doing so. I believe this is intentional. 
If you could help me with this, I would appreciate it. If not, I 'll contact my Senators.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC (TX)

XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (VA)

I am unsure of the school associated with the group of student loans serviced by Navient. What I am complaining about is the excessive times I am called during the day by Navient. Back in XXXX I informed Navient of the loss of my job and the denial of my unemployment compensation application. I have made payments and as of today I am approximately 25 days past due. This is no reason for computer driven calls to me at the rate of XXXX or more per day to take place. XXXX of these calls has taken place first thing this morning. I am a senior citizen and I consider this to be harassment. During XXXX of the calls yesterday I informed the representative that there was no change in my status since the day before, prior call, and that I asked to the frequency to be reduced or I will send a cease communications letter based on Paragraph XXXX of The Fair Debt Collections Act. I bring this matter to the attention of the CFPB as there may be other consumers that are experiencing this type of activity.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (GA)

I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.
Consumer complaint received 2022-12-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MI)

Navient is attempting to collect a private student loan debt that I am the co-signor on for my XXXX. I am paying on the debt weekly to the best of my financial ability and Navient continues to call me repeatedly and daily up to 15 times per day. They also send repeated letters threatening default and other legal action. This is causing great emotional and financial stress. They are refusing to work out a payment plan but continue to cash the weekly payments and continue to place upwards of 15 phone calls daily. I have been making weekly payments for 16 weeks Navient has never provided a copy of the original loan documents. I am not sure that Navient was the original lender.
Consumer complaint received 2020-04-20
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. (NJ)

I can't get my equifax credit report. I have tried logging in online and it asks me to call their toll free number. When I call them their automated system can't verify who I am. Speaking to a rep doesn't help either none of the challenge questions they have for me match my real situation. I just want my credit report so I can fix it and see what the issues are.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Neon Newco Corporation (TX)

XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my account.
Consumer complaint received 2015-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (NY)

The key issue here is that netspend debit cards are marketed and sold next to giftcards in pharmacy and convenience stores, but the XXXX classes of cards have significantly different rules of use. As a result, people buy debit cards, thinking they are gift cards, and when they are given to their recipients, they are done so without the recipient agreeing to significant fee rules which start upon *purchase* of the card ( vs *activation* of the card ), at least in the case of XXXX debit cards. As a result, the card value can be greatly reduced from the original value even before initial activation. 

The story : My kids received netspend debit cards from their grandparents for XXXX, each with {$75.00} on them. My parents thought they were giving the kids gift cards, not reloadable debit cards. Kids being kids, they forgot that they had them, and by the time we activated them 5 months later, they both were expired, and XXXX had a value of {$57.00}, while the other had a value of {$32.00}. In addition, a significant amount of personal information was needed ( social security number, address, etc ) to activate and use the cards. While the agent was able to arrange for the kids to have the remaining balances, l 'm extremely disappointed with the significant fees that were incurred before the cards were activated, and the difficulty in receiving back the cash originally put onto the cards. Basically XXXX received {$60.00}, 40 %!, of the money paid while providing absolutely no product or service ( other than a plastic card to be given as a gift. ) This just is n't right. I do n't know what to tell my kids about the gift they received from their grandparent - how do you explain to a XXXX that the bank took over half of their money? 

A cautionary tale to be told far and wide. It really is terrible to market these cards next to gift cards that have totally different rules so that someone mistakenly picks XXXX up to give as a gift, and for the receiver to be subject to unknowingly be subject to significant fees - I as a receiver did n't agree to these terms, yet I suffered the consequences. It really is n't right.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

I was gifted a XXXX XXXX XXXX XXXX with a value of {$250.00}. The card has never been opened or used. The card can not be used and Im being told the money is not on said card. 
Ive contacted the company twice now & after HOURS of holding, run around & having to send in ridiculous information, a case has been opened. 
I was originally told up to 21 days and now being told XXXX. They admitted they could see the card had not been used and there were no transactions made yet. 
After a quick XXXX XXXX XXXX XXXX post regarding the situation, its obvious this company makes a continuous habit of whatever scam they are pulling. They need to be throughly investigated and shouldnt be able to keep doing this to people.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

I went through and completed a student loan rehabilitation program in 2013 after being defaulted for all my student loans. Per the regulations of the US Department of Education, after a XXXX-months rehabilitation program, all my student loans are restored to good status, and it is currently are all in good standing since 2013. It 's been over 4 years, but select loan servicers ( XXXX aka XXXX, XXXX, XXXX, XXXX ), did not fully restore my status to current as stated by the regulations. Therefore, due to their negligence it showed that I have serious deliquency status, although, I 've since consolidated all the loans together, and is currently in good standing with the all the loans according to the XXXX, a service of the Department of Education. I 've shared this information with all XXXX credit bureaus and provided documentations, and they refused to remove the deliquency status per the regulation. This is causing tremendous hardship and negatively affects my financial records in this negligent case, even though I 've tried in the last 4 years to get it removed. I am unable to obtain a mortgage, and refinance my current car due to this lack of action from the credit bureaus and the student loan servicers. Please help!!! Thank you.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC (CO)

appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

During the switch from XXXX XXXX to navient there where several times where my payment would be due at the end of the month and the following month it would be at the beginning. And according to the help over the phone. The payment date never change. But would change the date back to the or original due date but would not waive the late fee because as per them that was my fault