davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NY)

Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 
2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. 
b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 

4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 

5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 

6. In addition, late fees have also been applied to my account. 
7. Note that this is not the first time that Navient followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issuesomeone sent the police to his house to bring him to the XXXX  ward and the police ended up XXXX  the man ). When I contacted Navient about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX  XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 
8. For various legitimate reasons, I have requested documents from Navient so that I can verify and calculate the purported student loans but Navient has not provided the requested documents.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Date : XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. I sent a dispute letter the company claim the accounts was verified but it is inaccurate. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Hello. 

My name is XXXX XXXX, I am writing this letter becuase I really help. I had this 3rd party loan since XX/XX/XXXX, when I went to XXXX and decided to stop my XXXX  school and XXXX here becuase I get depress every time I open up my problems about someone hackingmy information but no one believe me. I am XXXX mom, but I work hard school me and my son day time and I go work at night since me and my son come over here in United State. I do had suspicious before XXXX someome hacking me becuase of my school account email or social media, every time I open my account always say 's wrong password. I didn't know about Data Breach XXXX, my information is compromise Anyway, my concern with this letter becuase I had this 3rd party loan from 800 loanmart since XXXX, I am paying this loan monthly since I am back here in USA XXXX XXXX with the amouth of {$450.00}. I admit I pay most of the time late for couple years. But since last year XXXX and this year XXXX. I already explain to loanmart last year about my situation. In fact in 3 Credit Bureau this debit is close. And I thought this debit is close last year. But for some reason the loanmart repossess my car yesterday XXXX in my parking. Then I call the loanmart yesterday and they transfer me to collection service. I spoke to the guy from collection service and explain to him my situation. He said all he can do is lower my balance to {$6000.00} instead of XXXX. I told him even {$1.00}, I don't this time becuase of my situation. and he said he will keep the car and sold it. Now I don't have car to go work or do anything.I am asking help this time. I hope someone can help me get my car back. Until now I didn't get any help from governments. Please I need help.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (NJ)

On XX/XX/2022 I picked up a car at XXXX XXXX XXXX in XXXX XXXX XXXX and returned the car on XX/XX/2022. 

When I rented, the staff told me gasoline is cheaper than outside, so I told him if it is true, I would bring without filling up tank. However, it was not true. Therefore, just before I returned the rental car, I filled up gasoline ; however, they charged me. So, I disputed to my bank with the fuel receipt. This is the final decision letter from my bank : " This letter concerns the transaction described below made with card number XXXX  : Date Amount Description XX/XX/2022 {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX FL The dispute has been resolved in your favor and the conditional credit issued previously to your account is now a permanent credit. '' When I made contract with XXXX XXXX, total rental price was {$250.00}, but XXXX added {$66.00} by regarding the car as having empty tank, total {$320.00}. Since I proved with fuel receipt, bank finally refunded {$66.00} to me. 

Recently, XXXX XXXX XXXX asked Viking Client Services, a debt collector, to collect {$66.00} and I had to respond to them. Because of XXXX XXXX XXXXl, I am spending lot of time to resolve it. Moreover, I am receiving a letter even from a debt collector. 

I appreciate your great help in advance.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX/XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (KY)

My wife and I recently filed a chapter XXXX bankruptcy and in response my mortgage company ( Quicken Loans ) charged me {$950.00} in legal fees for " objection to plan ; {$450.00} '' and another {$500.00} for " proof of claim fees ''. This is not right, was not agreed to and is just bad business. The creditors have not even met with the bankruptcy court yet and our plan does not reduce or alter the current mortgage payment. Filing bankruptcy is prompted by financial distress and is not suppose to be an opportunity for your mortgage company to charge {$950.00} in legal fees. Formal written notice of this action was sent to us by mail on XX/XX/2020 by a law firm based in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Quicken Loans added the {$950.00} to our XXXX mortgage statement/billing. Please e-mail any other further questions you may have and thank you for your time and consideration regarding this matter.
Consumer complaint received 2023-02-22
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: CLGF Holdco 1, LLC (CA)

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXXXXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is Destiny Mastercard. Im requesting for Destiny Mastercard to be removed as well for reporting illegally according to the IRS.
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!
Consumer complaint received 2020-06-12
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. (CA)

I am trying to buy a house later this year so today XX/XX/20 I had my credit ran to see if I could get pre approved for a home loan however, when my credit report came back, I was told I did not get approved because there are several accounts in negative standing on my credit. I looked through my report and I saw the accounts in negative standing but none of them were opened by me. Those accounts do not belong to me and I did not allow anyone to open them using my personal information such as my ID, social security number, name, etc. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I don't know who is responsible for these accounts but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

On XX/XX/2020 I called PHH mortgage company to discuss relief for monthly mortgage payments. I was immediately place in some kind of shady scam forbearance plan without my consent. I later learned that PHH forbearance plan and the Cares act forbearance plan are nothing alike. PHH mortgage company refuse to offer a forbearance plan in accordance with the Cares Act which offer 180 monthly mortgage payment relief and an additional 180 day relief if necessary. I want to exercise my rights to the benefits offered to me by the Cares Act.
Consumer complaint received 2023-02-22
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: Special Financing Company, LLC (TX)

I reviewed my credit report and learned there was an unauthorized inquiry made by Special Financing Company LLC. I sent several letters to the address provided on my credit report requesting that the company cease its unauthorized hard inquiries into my credit report and that they contact the credit bureau to have the inquiry removed. I communicated that, to my knowledge, I had not signed any documents authorizing their organization to view my credit history, and therefore the inquiry violated the Fair Credit Reporting Act Section 1681b ( c ) : Transaction Not Initiated by Consumer. I asked them to furnish any document that they believed authorized their organization to make inquiries into my credit report, and I requested that the document and proof that I requested this line of credit be sent to my address. In responding to my inquiry, the company merely stated that my credit was requested by XXXX XXXX XXXX rather than Special Financing Company LLC. Special Financing Company can not remove any credit inquiries because the application does not commence with our office. '' As an initial matter, I didn't authorize any applications. Secondly, XXXX XXXX XXXX isn't listed on my credit report anywhere, and Special Financing Company LLC is listed. Indeed, XXXX XXXX XXXX is a " furnisher '' as described by 16 CFR 660.2 ( c ) because it is an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. I have a copy of the mailed letter ( certified ) and the company 's response. I would like the inquiry removed from my Credit Reports. 

Additionally, after reviewing the XXXX XXXX XXXX - The company has many complaints. One response from the company stated, " Special Financing Company does not report to the credit reporting agencies. '' So if this is the case, then why are you reporting an unauthorized credit inquiry on my report without giving me any proof that I requested this?

If Special Financing Company LLC. fails to resolve this matter, I will consult an attorney to file a suit against them for violating the Fair Credit Reporting Act.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (GA)

On XX/XX/2023 Equifax responded to my CFPB Complaint concerning investigation of an inaccurate and unverifiable account from XXXX XXXX XXXX Equifax stated that XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. I asked Equifax to provide ( which they didn't ) the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

Western Union headquarters in XXXX Colorado, refused to refund my money orders after they were stolen from The mail box in XXXX in XXXX XXXX City. Western Union stated that they would pay me for the lost stolen money orders, then then recently ( XXXX ) they said they won't pay me because I submitted the information for the stolen checks to last and the the bank they are affiliated with refused to pay them for the stolen check. Western Union verified that the checks were told sent me all the stolen checks information and stated they would pay. Currently the XXXX Police Department is investigating this case and also contacted Western Union and wondering why Western Union after 2 years refused to pay me my money back. The XXXX Police Department in the XXXX, stated they are going to arrest who ever stole my money orders and will keep in contact with me. Western Union told me to contact the bank where the checks were cashed and ask them to reconsider paying me ( I should not have to do that ). I am XXXX years old and I need the {$2000.00} plus money order money stolen and refunded to me.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services (WA)

I rented a car from XXXX XXXX XXXX from XXXX at a prepaid rate of {$49.00} per day for a total of {$190.00}. With taxes, fees, etc. They estimated I would owe an additional {$76.00} at pick up. 
When I picked up the car, they did not have the vehicle I originally reserved and gave me a larger vehicle, refusing to honor my prepaid rates and calling it a discount. I finally agreed to use the alternate vehicle for the agreed upon daily rate, but pay the difference in taxes and fees, what they told me would be {$140.00}. 
Upon drop off they charged me for a full week rental of {$490.00} plus a daily vehicle upgrade fee of {$10.00}, totaling {$540.00}. The final receipt came through digitally after I was dropped the car off with the original printed receipt in the agreed amount, as is their policy. 
They did not respond to the complaint I filed with their customer service department. 
I then filed a dispute with my Credit Card company, XXXX, for the difference in the charges, supplying my original confirmation email, the final charges, and the information supplied above. They did a complete investigation and resolved the dispute in my favor, returning the fraudulently charged {$240.00} to my account. 
XXXX has begun sending me collections notices via Viking Client Services for what they claim is outstanding debt. I contacted Viking and asked them to route all further inquiries on the debt to XXXX directly as they resolved it on my behalf. They said XXXX will continue to dispute the debt until it is paid, they can not guarantee that I will stop receiving notices from themselves or XXXX. I would like to make sure all future communication on this is between XXXX and XXXX and that this does not impact my credit. Any resources or assistance you can provide would be very much appreciated.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Date : XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. I sent a dispute letter the company claim the accounts was verified but it is inaccurate. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

18 months ago, I applied for a Covid 19 payment deferral and was granted the forbearance. I received a letter from my lender that my XXXX forbearance was ending on XX/XX/XXXX. I was given two options to resume payment or file a loss mitigation. 
It is my understanding that under the XXXX XXXX XXXX XXXX XXXX COVID-19 Payment Deferral and XXXX XXXX XXXX XXXX for COVID-19 that all Impacted borrowers have up to 60 months to defer payments. Although my lender is not required to obtain documentation of my hardship, they must achieve XXXX XXXX XXXX XXXX ( XXXX ) to determine the reason for the delinquency and whether it is temporary or permanent in nature. I have and am still experiencing a financial hardship resulting from COVID-19. 
In addition to financial hardship, I am experiencing emotional stress and struggling to maintain financial stability due to loss of both of my parents. My Mother XX/XX/XXXX. My XXXX XX/XX/XXXX. Their passing bought on an additional added financial burden.