davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (TX)

n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

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.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have gotten the card in XX/XX/XXXXof a credit card limit of 4000 sonce then I made 4 purchases and I have payinv the montly payments even when I was late i was charged the fee and there was no issue Now I am being charge {$780.00} for the month of XX/XX/XXXXon a " promotional revolving charge ''! I dont know what that is. That wasnt explained to me nor was it in any documentation that I agreed when purchasing furniture. Its not right and I want my whole debt cleared with them among with cancelling my card!
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through Navient. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from Navient is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.
Consumer complaint received 2019-05-28
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)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I contacted the student loan servicer, Navient, several times over the phone in good faith to fully understand my income-driven repayment plan ( REPAYE ) and associated loan forgiveness. I spoke to at least three ( 3 ) different representatives, and each had varying answers to my questions, including basic information like start and end dates of my repayment plan. Finally, fed up with the ever changing information supplied by Navient, I asked them to email me answers to my questions. However, they declined to put anything of substance in writing. I am formally filing this complaint to make you aware that Navient is intentionally refusing to supply important and necessary information about my student loan, including forgiveness terms. I have nothing in writing to assure me that my loan will be forgiven at the end of the income-driven repayment term. I don't even have a straight answer on when the term started and when it is supposed to end. Navient is making it absolutely impossible for hard working individuals like myself to plan a healthy financial future. They are setting people up for failure.
Consumer complaint received 2019-02-06
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: Experian Information Solutions Inc. (AZ)

In or around the last week of XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX  in XXXX  XXXX XXXX , Arizona , I was denied a loan based on information provided by Experian Credit reporting agency . I believe the credit score they provided and other relevant information is outdated and incorrect. I wrote Experian a letter, dated XX/XX/XXXX and demanded a copy of my credit report! Apparently, Experian does not believe in following the law as I have still, as the date of this complaint, not received a copy of said report! I want the report sent to me immediately!
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (NJ)

I see that you recently shut down XXXX XXXX for the exact same things my mortgage servicer, CMG Mortgage, is doing to me. I have been given the run around by them and there is a scheduled sale date on my property for XX/XX/XXXX. I have never had a review for mortgage assistance go through a full review, even though I sent them all the documents they wanted. I went through some difficult times, but now have more than sufficient income to afford my payment. CMG Mortgage wants the full reinstatement amount or they will take my home away. I feel that they should have done something to help me rather than just sell my home and sweep the matter under the rug. I am certain that my loan qualifies for one of the modification programs available to homeowners. I have been in my home for 13 years and received a terrible loan that caused me to struggle financially from the start. Due to significant health issues and, in large part, to the high mortgage payment, my finances were on rocky ground since loan origination. Then I suffered a further setback emotionally and financially when my brother and mother died. They were helping me with the mortgage payments and this further exacerbated my financial situation. I refinanced the loan in XX/XX/XXXX, but then suffered an XXXX   and fell behind on my mortgage payments. I reached out to the CMG representatives and they advised me that they would help me with my delinquent mortgage. I began the loss mitigation process with and sent in all the documents they requested. However, they never completed a review even though I had all the requested documents and I am not sure why my loan was not approved for a modification. I am not sure where I am in the process, except that I have a sale date scheduled on my home.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (GA)

How are you, I am going to appeal the finance department of Citi bank customer service, I should receive {$400.00} for new checking and saving account opening based on their promotion, but Citi bank does not honor promise ( case XXXX : The requirement is to deposit {$150000.00} to the new eligible checking account within 30 days of the account opening ). I opened a checking and citi saving account at XX/XX/19, as same time I provided my personal account info ( from XXXX XXXX  ) for transfer {$16000.00} to CITI Bank, but within 30 days they didnt do it, regarding this I called them more than 10 times ; they did apologize for their error that caused to transfer the fund late. Due to their mistake, CITI Bank should give me bonus {$400.00}, but they denied. And they do not want to solve problem. Even when I made call, they immediately dropped out the customer service line for 3 times. I hope that you can get involved and solve my problems as well.
Consumer complaint received 2023-06-01
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. (PA)

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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-06-05
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. (CA)

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX  XXXX   XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Consumer complaint received 2019-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

My loans were in school status and had no problems with credit reporting when service updated my credit report as being 180 days pass due which caused a severe drop in my credit score upon correcting this my credit score went up a little bit but not nearly as high as it was prior.

I contacted them and was assured that the credit reporting error would be fixed. While they did fix the issue the score didnt go all the way back up and they did not update their system and nine days later I got a bill says I owed {$880.00} and that my loan was going to go into default. 

This is a huge problem for me because I have requested consolidation of my perkins loans in with my other loans and this could halt the process for me, which will cause further harm. 

Additional I feel that the school is playing games because I have an open lawsuit pending against them.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VA)

I have 13 bad ( late payments ) marks on all three Bureaus. Which is a reflection not of my timely payment arrangement but the handling of paperwork sent to Nelnet. For 3 years or close too, I have been sending in information on not making enough to repay my loan. I make under XXXX a year, have 8 children and qualify for the {$0.00} a month payment  deferment plan. This has been worked on for years. Every time I send the paperwork for them to process or fax them the paperwork, it gets lost. During this time of " Losing '' paperwork, they get interest. Shocking that the interest keeps growing and my paperwork has yet to be found. After numerous calls and debates, they finally " find '' one of my applications and get me on a payment plan, starting this month! So 13 negative reports on my credit report, with all 3 companies, a total of 36 negative reports, because nobody could find any of the applications that have been sent in.

Upon further investigations, I am one of thousands that this happens too. I am currently seeking someone to help everyone that has had this problem since Nelnet can't fix the " reporting issue '' knowing I was a {$0.00} a month eligible. XXXX pay from XXXX to XXXX hasn't changed, yet I have to pay the price for someone not doing their job with my paperwork and possibly hundreds and thousands of others. The XXXX has so many complaints about this situation, it is sickening. 

What I would like done is a lawsuit against this financial institution for their unfair practice and scams to gain interest through not processing paperwork timely, correctly or at all. As a XXXX veteran, I will take this to every outlet possible to hopefully get this fixed for myself and hopefully others as well.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

A credit card contacted me by phone and by letter to let me know I was dead. I called the service number on my credit card and I was told one of the credit reporting agencies had given me a credit score of XXXX. Apparently when you are really dead, your credit score goes to XXXX. 

I initiated a credit freeze on my three credit reports and requested that all three send me a complete credit report. One of the three credit reporting agencies had the correct personal information. 

Experian has included information about my previous wife who has been deceased for 6 years as of XX/XX/XXXX. My first name is " XXXX '' and then middle initial is " XXXX '' Her first name was " XXXX '' and then middle initial " XXXX ''. When we married, she took my last name as her last name, so the two names are very similar. Under my personal information, they have listed four variations of XXXX or XXXX. They have also listed the last digits of her social security number as a " variation '' of my social security number. They have my birth date correct and have named XXXX as my spouse. That is no longer correct. XXXX is dead and I have been remarried to XXXX.
Consumer complaint received 2019-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My wife and I consolidated our private and public student loans back in 2005. The original servicer was Sallie Mae. The servicer is now Navient. 
Navient informed us this spousal consolidation loan can not be refinanced nor separated by borrower, for purposes of refinancing with another servicer. This " spousal consolidation loan '' is no longer offered ( I wonder why ) nor eligible for any type of refinancing relief. Yet, as a XXXX military vet, I am told a guarantor will be the one to separate the loans for purposes of determining what loans belong to me, and therefore forgiven. Why can't these loans be separated now? 
We are both in the XXXX XXXX industry and eligible for PSLF. But can not go that route because of the barriers caused by spousal consolidation loans.
Consumer complaint received 2019-05-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (IN)

Brought house inXX/XX/XXXX I have heard buyer beware what about railroaded that's what happened railroaded in to the real estate deal deceptive practice s by Stone gate mortgage was handed the inspection report the day. Before the closing was not told about black mold, wood rotting of floors, the house ready to collapse, rain damage, moisture causing black mold in crawl space or carbon monoxide in the back bedroom I have to keep the door shut and cardboard under the door. The roof leaks the walls cracking apart the house is falling in on it's self. There was 10 percent inspection done in the crawlspace. The realtor was dating the inspector the condition of the house caused a slew of health issue s respiratory infection s, tremors and memory problems, migraines, the water is on a well smell of rotten egg, sulfide gas, iron and sulfur bacteria this happen after the water heater had to be replaced XX/XX/XXXX payment {$62000.00} a month the central air went out now I have to have a hang on unit air conditioner the house is in a bad shape can't sell to the public, the price is to high to sell to a investors. XXXX insurance company said after paying them three years that the coverage for {$130000.00} XXXX s said it's my XXXX lost.
Consumer complaint received 2019-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.
Consumer complaint received 2019-05-27
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. (OH)

I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, transunion, XXXX, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.
Consumer complaint received 2019-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (NM)

I was paying for a car loan with Keybank via automatic withdrawl and when I paid off the loan, Keybank keeps taking the money out every month. XXXX was taken out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and then redeposited 7 days later. Each month I call Keybank and discuss this problem. They tell me the loan has been paid off, that there shouldn't be any money taken out. I filled out the account access form and they admit they have it on file but nobody seems to know what they are doing at the bank. They are illegally accessing my account. The last phone call was to XXXX on XX/XX/XXXX. This withdrawl was set up with Keybank, not with my bank.I am going to have to cancel their access via my bank which is going to cost me {$25.00}. I would like Keybank to reimburse me the {$25.00}, not that they can reimburse me for the time and aggravation they have caused.
Consumer complaint received 2019-05-25
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. (PA)

On XX/XX/2019, I filed another complaint with the CFPB- to no avail. They asked me to file a new Income Driven Plan request for my loan because the " Poverty guidelines have changed- BEFORE my actual yearly renewal. It had been a huge mess. 
I have been given misinformation since XX/XX/XXXX. I wanted to pay down my loan and asked for the graduated repayment plan- consulted an attorney who told me to go back into the IDR. I reapplied for that. At first, when they kicked me back into the IDR on XX/XX/XXXX, my payment was XXXX. On a side note this was the plan they gave me when I spoke on the phone about the graduated repayment plan. Then, they asked me to reapply before my annual date. I resisted because they had just sent me the statement to my prior plan. When I did receive the email regarding my new plan, my payment was increased to XXXX. I called and spoke with XXXX XXXX on XXXX XXXX, because i can not afford to pay that amount every month. She asked if XXXX, or close to that was possibly, and I said I could probably do a little more, but not much. She also told me to reapply under REPAYE which would be the lowest monthly payment, so I sent that and I received an email saying it was received on XX/XX/XXXX and that it will take up to 15 business days to process. That last time I tried to lower my payment under the IDR, which ended up being the XXXX, they received my app on XX/XX/XXXX and I had a new payment on XX/XX/XXXX. That took 5 business days. Now, I am still waiting on a response from the last app for the REPAYE. It has been 10 days. Mind you, I have been paying my loan, and having some hardships doing so because the payment is what it is. It has not taken this long to receive a plan. I have done this a lot in the last few months. This company is ridiculous.
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX I called and spoke with Mr.XXXX at XXXX ext XXXX. I advised of my situation and we spoke about options. I then advised Mr. XXXX to cease calling my family members and giving information and leaving messages. He advised he will remove all numbers and i provided my phone number again. My phone number has not changed nor have I ever blocked comenity 's phone number.
Consumer complaint received 2023-06-04
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. (FL)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires on document are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :