davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (PA)

Message I sent them XX/XX/2019 : There is still an issue with my account having a *XX/XX/2019 - 30-Day-Late* mark being reported to the credit bureau every month and negatively affecting my credit. I was a XXXX XXXX XXXX during that time period and should have been in deferment. I sent your company documentation proving that I was a XXXX XXXX XXXX at that time and you put me in deferment as of XX/XX/2019, but DID NOT remove the negative mark from XXXX in your system. I have called 5 times over the past few months trying to resolve this issue and every representative has told me they " put a note on my account '' or will contact an " account specialist '' to resolve the issue and email me confirmation when the issue has been resolved. The issue is still not resolved and no one has ever sent me a follow up confirmation email. As of XX/XX/2019 XXXX XXXX informed me that your company is continuing to report this misinformation. I am very unhappy with the way your company is handling this situation and how long it is taking me to get this issue resolved. 



On XX/XX/2019, at XXXX XXXX, UASconnect wrote : Dear ..., Thank you for contacting University Accounting Service . 

We apologize for the inconvenience in your part. As we check there is a benefit applied on the time that it was reported negatively. We already reported it to the credit agency to be removed but then it still exist. Kindly file for a consumer dispute or have the credit agency call us together with you on the line so that we can resolve the past due notice in your account verbally. 

*There are several other emails where they can not look up my account or can not figure out how to resolve this issue and just say to call. When I call they say they will fix the problem but never do. 

I have made several calls to XXXX XXXX initially the late mark was removed by them in XXXX but then reappeared two weeks later once UAS sent their monthly report. XXXX XXXX said there is nothing they can do to permanently remove this late mark because UAS 's system will continue to report the mistake monthly until they fix it internally. This issue has been going on for four months and is negatively affecting my credit score. UAS is claiming they have tried to resolve the issue but it does not reflect in my credit score. I have never had a problem with a loan servicer, this company is ruing my credit and I am not sure what to do at this point.
Consumer complaint received 2019-07-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (WI)

Around XX/XX/XXXX, I contacted Sallie Mae about having difficulty keeping up with payments on my student loans. At the time, I was living in my ( then boyfriends ' ) parents house rent free and substitute teaching. If I were to have worked every school day that year, I would have earned around {$23000.00} ( before taxes ) for the whole school year, I was on my parents ' health, car, etc. insurance and I didn't even own my own car. I was not aware of any income-based repayment options for my loans ( I looked and was on income-based repayment for all of my other student loans ). I had also called them around XX/XX/XXXX to see if there was any income-based repayment available and was told no. 

When I called Sallie Mae in XX/XX/XXXX, I told them I was having a hard time keeping up with student loan payments ( I believe the payments for just my Sallie Mae loans totaled over {$1200.00} a month at the time ). I had not had any late payments and I was told by the representative that there was nothing they could do to help reduce the payments and that I would have to go into default by missing a payment before they could look to see if there was anything they could do. They were clear that there was no guarantee that they could even help me if I went into default. After hearing this, I also questioned them why the interest rates on their variable rate loans had gone up so much ( nearly double ) while another private, variable rate student loan with another lender ( taken out at the same time ), had barely changed. They told me that they were keeping up with the market rates. When I did finally get my last loan out from them, the interest rate had hit 11 % while that other variable rate student loan with the other vendor remains around 5 %. 

My parents ended up bailing me out by lending me money to cover a couple of the Sallie Mae loans so I could afford the payments. Recently, I refinanced the remaining loans with my husband cosigning so I would no longer deal with Sallie Mae. In the end, I have a fixed rate loan with about the same monthly payments, and I will have it paid off in 1/2 the time Sallie Mae was showing.
Consumer complaint received 2019-06-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Pinnacle Finance LLC (TX)

I took out a loan to have a bathroom remodeled and new windows in the kitchen. Loans totaled XXXX, to date I have paid XXXX and still owe XXXX. I have not received a statement in over 2 years. When I inquired about my balance and why I have not received any statements I was told that all of my payments had been going to interest. There was a period where I was in bankruptcy proceedings and not making payments but since I reaffirmed with the company I have made more the agreed upon payment. Payments were XXXX and I have been making payments of XXXX since XX/XX/2018 after making a XXXX payment in XX/XX/2018.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-04
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. (NY)

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.
Consumer complaint received 2019-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I have an account with PayPal and there was an amount of {$120.00} sent to someone named XXXX XXXX at XXXX. I did not send this to him, nor do I know who he is. I tried to dispute this with PayPal, but the request was denied and I did not get a refund. There was a service charge involved of {$4.00} so I am wanting my refund of {$120.00}. This happened on XX/XX/2019. I have since contacted my bank and filed a dispute through ACH. Thank you in advance for your help.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/19 at XXXX XXXX I made a purchase at XXXX with my debit card in the amount of {$60.00} ( Balance was {$21.00} before transaction ). Normally transactions are pending for 2-3 days before posting. I made a deposit of {$50.00} to the account on XX/XX/19 at XXXX XXXX bringing the account balance to {$11.00}. At that time, no fee had been added to my account. I have dated email notifications from WF. 

Wells Fargo charged me a fee for overdraft in the amount of {$35.00} on XX/XX/19 at XXXX XXXX which brought my balance to $ XXXX. I called to speak to someone to request that the fee be reversed and the a representative that informed me that I have until XXXX XXXX   on the night of the transaction to cover any negative balance. This was NEVER told to me before and NEVER has a debit card transaction posted to my account in less than 24 hours. 

This bank has consistently displayed predatory banking practices in order to extract fees from its customers.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (DE)

Hello, I've contacted CHASE multiple times to have them change my name from my maiden name to my married name ( XXXX to XXXX ). 

I've sent all required documentation. CHASE updated my name on my credit cards, but not my online account. I called and asked customer service to update my online account as well, and was told 3-5 business days. It was never done. So I submitted an online inquiry via the " Send a secure message '' on the Help & support tab. I received a response to give 5 business days. I still haven't received word back on that. 

Please update my name. I attached all paperwork I previously submitted supporting the name change and a screenshot of where it has not been updated.
Consumer complaint received 2019-06-04
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. (SC)

I filed an online dispute with Equifax, and when i was emailed that the dispute was complete, i went to the Equifax site to view the results, I was unable to access my information. I was provided a phone number, and when i called in to speak to a live rep, she had trouble understanding what I was asking her. She then asked me a series of questions and told me that she was UNABLE to verify my identity and that i needed to provide Equifax with further erification of my personal information via fax. I found this to be odd since the information i had given her i knew was correct, so i have no idea who i may have been speaking with about my personal information.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

On or about XX/XX/XXXX, Sequim Asset Solutions added a collection account to my credit report naming the original creditor as XXXX XXXX XXXX XXXX and date as XX/XX/XXXX. The amount is {$80.00}. I contacted Sequium to tell them this is not my debt. I have not had XXXX XXXX XXXX since XXXX and they said this eminated from an account from XXXX of XXXX. They did not provide any written notification to me although they claim this debt is from XXXX XXXX XXXX XXXX and I am account holder. I have not had XXXX XXXX XXXX XXXX since XXXX. I do have their internet service and t.v. but that was obtained in XXXX of XXXX when we moved to XXXX NC. We also switched to XXXX XXXX XXXX XXXX in XXXX of XXXX but that is in my husband 's name. Sequium did not have my telephone number, address or email address. This account belongs to my daughter and they refuse to provide ANY proof that it is mine. I paid the {$80.00} because my daughter is a single parent and asked them to again remove from my credit reports and although they have NO PROOF THIS IS MY ACCOUNT, they still refuse to remove the account and stated it will be on there up to SEVEN years and they can't remove it although I have had this happen to me before on the collection agency involved promptly removed the item. I ask that Sequium either provide written proof this is my debt ( their failure to do so has stopped my right to dispute within the allotted 30 days ) or remove this immediately. My daughter is responsible for this debt and although they named me as the account holder, they had no information about me except my name. This is outrageous and must be rectified!
Consumer complaint received 2019-06-04
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. (FL)

TranUnion and XXXX  are reporting an obsolete account that is closed and origination date of XX/XX/2005, XXXX XXXX, account no. XXXX. Both organizations have the authority to remove the old account that is too old to be on my credit report. I am asking for the removal of the fourteen year old account. I have tried to resolve the issue and baffled as to why the old account hasnt been deleted.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (TN)

My wife and I have applied for several rental homes. We paid the property management a background fee. After applying for three homes we inquired why are we being turned down. I found out that they are putting everyone in the US that has my first and last name and with my date of birth on rental record. They did not verify social security, middle name or initial. I feel I have been discriminated due to my race and the fact that I have a common name. I do not have anything criminal on my background nor have every been arrested or have been on any XXXX XXXX  list.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (MN)

Dear FFAM I ASKED YOU FOR THE CREDIT APPLICATION WITH MY SIGNED Signature attached You sent some billing statements that anyone could have made it. ONE MORE TIME IF YOU ARE UNABLE TO SEND ME THE INFORMATION REQUESTED I ASK THAT YOU CEASE AND DESIST OR ELSE YOU WILL BE SUED FINAL WARNING IF YOU HAVE PUT ANY MARKS ON MY CREDIT FILE I SUGGEST YOU DELETE THEM TODAY
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

Previously, I have always paid my balance in full every month with CitiBank. I accepted a Flex Plan offer to pay for appliances & since then I have been charged interest on every statement on my regular balance. I still pay my regular balance in full every month & make the required Flex Plan payment. I understand that I am paying interest on my Flex Plan balance every month. I called in twice to request the total minimum payment required to avoid interest on the standard balance & in both cases, given an incorrect amount. Paying this amount resulted interest being charged on my standard balance. Just before closing the account, I redeemed my awards points on Citi 's website for {$130.00} of credit towards the account & appears that my request was cancelled on Citi 's end & the points forfeited due account closure.
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Accounts XXXX XXXX and XXXX are not my accounts. I have disputed them multiple times in the last year. 
The XXXX account was opened with out my permission and I have contacted XXXX about this and they agreed to remove it and notify the credit bureaus.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Regarding complaint # XXXX : 1 ) Wells Fargo removed my ability to make my last online payment. I tried 5 times! 

When I'm prompted to make the last online payment i get a message that says : " you do not have at least 2 eligible accounts to transfer money '' After paying my mortgage for decades, WF removes my ability to make the last payment?

why?

2 ) regarding WF 's interim response that they can not get a hold of me, that's baloney! 
Ms XXXX XXXX called me 3 times to bully me about making extra payments and I disagreed with her
Consumer complaint received 2019-06-04
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.
Consumer complaint received 2019-05-09
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A. (IL)

On XX/XX/XXXX due to reasons I could not control and for the first time in my life I was not going to be able to make a monthly mortgage payment. As soon as this happened I called Flagstar Bank my mortgage lender and started requesting information or options to avoid all possibilities of defaulting or getting behind on my mortgage. 
I was directed to Flagstars loss mitigation team in which I was told to fill out a seventeen-page Uniform Borrowers Assistance Form. I completed the form as quickly and accurately as I could. The two methods of sending the form in was by mail or fax. I thought the easiest and to save time I would fax it. This is where the worst experience of my life started with this company Flagstar. The first denied form was due to the fax could not be read on their fax machine, and I was asked to send it again. I completed these three more times all with the same result. I then decided I would mail the form. The first form got denied for missing information things in the wrong place. I submitted this package three more times by mail all with the same result denied for missing information or things in the wrong place. After the first denial and thru the next two attempts I must have called Flagstar Loss Mitigation Department hundreds of times where I was hung up on or told to resubmit the package and at no time would they help me thru the process. 
At the time my now ex-wife during this time left our marriage and wanted a separation and eventually a divorce. Our incomes were split, and our debts were different. I tried to explain this over numerous phone calls to the Loss Mitigation Department that I could not properly fill out the form the way the needed could someone help me, and I was told it had to be on that form. 
This constant delay and lack of costumer service from Flagstar. Flagstar filled for a foreclosure on me without contacted the Veterans Benefits Administration ( VA Loan ). Due to the very unprofessional staff of Flagstar and lack of assistance which they say they will always do everything they can to avoid foreclosure I a XXXX Veteran had to short sale the property and take a loss to my benefits. The short sale was closed on XX/XX/XXXX and my credit history and score are being incorrectly reported. I also received a 1099 with a forgiveness of debt that I filled with my XXXX federal taxes when no forgiveness of debt occurred, and Flagstar received the full amount owed.
Consumer complaint received 2019-05-09
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

In trying to establish a repayment plan, I provided the requested information in XX/XX/2019. 

I then provided updated information o in XX/XX/2019. 

I was received notification from the US Dept of Education demanding a payment amount based on my financial information from XX/XX/2019. 

When I contacted Coast Professional in XX/XX/2019, I was told the updated information was rejected. I received no official correspondence of this, nor an explanation of what this decision was based on. 

In attempting to reach an account representative, Ive been repeatedly told no one was available.
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I'm having a problem with the " Balance '' amount shown on my statements. This is for 2 loans : XXXX and XXXX. The repayment process started on or about XX/XX/XXXX. At that time, my " Balance '' was showing that I owed {$38000.00}. I had a forbearance approved on XX/XX/XXXX when Navient took over the loan. Payments resumed on XX/XX/XXXX. My " Balance '' was {$41000.00}. I've made timely and proper payments every month since then. Payments ranged from {$460.00} to a present amount of {$270.00}. My most recent statement of XX/XX/XXXX shows a " Balance '' of {$41000.00}. 

Why, after almost 6 years and payments averaging about {$300.00} a month, hasn't the " Balance '' decreased? 70 months at {$300.00} a month is {$21000.00}. The " balance '' should have decreased considerably. Instead, it increased from {$38000.00} to {$41000.00}. 

Also, my last credit score went down as a result of this loan increasing. I talked to Navient on or about XX/XX/XXXX and " XXXX '' said that the balance never increases and the credit reporting agency is unreliable
Consumer complaint received 2019-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

The Capital One Auto Finance company openedXX/XX/2014 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this accoun