davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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)

My loan has been serviced by six sharks since XXXX. Originally {$5000.00} total ( one subsidized, one unsubsidized ), it was issued by XXXX  XXXX XXXX. At that time I made some payments while still attending college. The second lender was XXXX. Then XXXX XXXX XXXX who really gouged me. Then XXXX XXXX and XXXX. I have been in college on and off the entire time. In XXXX I was called repetively at work to repay my defaulted student loan. I had already attempted directly to make payments toward my loan previously but received contradictory and confusing information. This time was no different. But I had a steady paycheck and I wanted to pay. I was informed that I could not start paying on my loan directly unless I wanted to pay the entire balance. Otherwise I must pay {$5.00} a month to another company XXXX for 9 months in order to show my repayment worthiness. Meanwhile my loan interest is growing and they garnish my tax return to the tune of {$3000.00}. In XX/XX/XXXX my combined loan amount is {$5400.00}. By XX/XX/XXXX the entire amount us {$8100.00} and appears to accrue about $ XXXX/month but sometimes they double up and give me two statements for the same month where the interest is more like $ XXXX/month. What happened between XX/XX/XXXX and XX/XX/XXXX? In 32 months I accumulated + {$2700.00} in debt. About $ XXXX/month. Hmmmm ... I didn't go to school for math but this seems deviant. 
After a year of making payments I am able to make payments directly to my loans again plus so much interest. Only I don't see where my {$3000.00} garnished tax return has made a dent my now over {$8000.00} debt. Only the Department of Treasury sends me paperwork about home much was taken without permission. I had a XXXX XXXX XXXX at home and was a single mother. This really hurt. So where did the money go? How was it applied? The loan servicer never sent any paperwork. Even today, after overpaying for 4years, I still wonder where my payments go. I understand the 6.8 % APR and that there is interest upon interest but I have now paid for this loan twice and still owe over {$3000.00}. Why? What do they really do with my overpayments anyway? What was the purpose of the lawsuit if not to protect people who have been abused by their predatory practices?
Consumer complaint received 2020-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

For several months I have submitted dispute request via certified mail to Experian along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. 

XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as requested but instead on XX/XX/2020 did receive an email from Experian advising a new dispute had been open yet failing to provide procedural proof of names, telephone numbers, names etc of all who have furnished this detailed information as my rights have outlined.

I have grown increasingly tired of the scripted emails and stall tactics from Experian!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.
Consumer complaint received 2021-06-21
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. (MI)

On XX/XX/XXXX and XX/XX/2021, I sent communication to XXXX  and Experian asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX  on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. XXXX  and Experian both failed to properly validate this debt. I have not been informed by neither XXXX, XXXX, nor Experian on how this debt was obtained nor where it came from. When I called XXXX  I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.
Consumer complaint received 2021-11-24
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. (FL)

XX/XX/XXXX XXXX I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in XXXX. 

XX/XX/XXXX XXXX someone applied for a XXXX XXXX XXXX credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX credit. I called XXXX XXXX XXXX and was informed that on XX/XX/XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

This is a continued complaint from me from prior incident with usaa. My checking account was hooked up with usaa and XXXX  to make direct payments on my credit card since XXXX with representative XXXX my account has been over are normal expenditures for 2 years I want the money taken from my checking account back. It amounts to an outrageous amount since argument with rep. 2 or more years of stealing from my account
Consumer complaint received 2021-06-21
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. (TX)

I have sent several letters via certified mail to XXXX XXXX, XXXX, XXXX and Experian regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX  and Experian. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And Experian last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as Experian dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, XXXX and Experian remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Kay Jewelers. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Suburban Credit Corporation (DC)

Dear Sir/Madam Suburban Credit has not updated my account with XXXX or XXXX. It shows I still owe {$75.00}. Im a XXXX XXXX XXXX. I paid the agreed amount in FULL, in exchange for deletion of debt I owed. I paid this amount at great cost because I bought fewer groceries for many weeks to pay the full amount. Under the law they must update my account and report accurately! Ive tried to contact them but I have the reference number of the payment which I made to Suburban Credit.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was suppose to transfer money from my capital one account ( ending in XXXX ) to XXXX XXXX account ( ending in XXXX ) worth {$1500.00} but somehow it went the other way around and money transfer got initiated from my chase account to capital one bank. I had XXXX dollars in chase account so the XXXXXXXX XXXX rejected the transfer which is understandable so me not having enough money, the transfer should not happen. But, capital one bank turned it into a reversal charge and they charged my account {$1500.00} for the transfer not going through so I lost {$1500.00} from my capital one account and now I talked with capital one customer service and the lady said they can not give me my money back and XXXX XXXX can not help me either so I am losing {$1500.00} but none of the banks are willing to help get my money back. 

I initiated the transfer on XX/XX/XXXX but it was rejected and I received a letter about that from XXXX XXXX but the capital one charged me {$1500.00} reversal fee on XX/XX/XXXX and now they are denying from giving the money back to my account.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My mortgage is serviced through AmeriHome Mortgage. I applied for and was granted a 90 day forbearance under the CARES Act. The forbearance was to start for my XX/XX/2020 payment and extend through XXXX, with the next payment due XX/XX/XXXX. I have attached a copy of the acceptance letter. They then sent me an invoice which was for the XXXX payment. In that invoice, there was a threatening message about being delinquent on my payment and threatening late fees and negative credit reporting. Both of these are against provisions of the CARES Act. I sent AmeriHome an online message stating my concern and unhappiness about how they word invoices and in general, how they treat their customers. The response was an automated message about applying for a forbearance. I have attached both XXXX and XXXX invoices. The acceptance letter and a printout of the online message. I have since paid both of XXXX 's and XXXX 's payments ( {$6000.00} in total ) because of their poorly worded invoices and threatening messages.
Consumer complaint received 2020-07-14
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 — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander bank shows my XXXX credit card with late payments prior to being closed through bankruptcy. The card was under XXXX XXXX and not a XXXX card.The card was in use thus proving payments not late as we would not be permitted to use a delinquent account.This account was never late but closed through the bankruptcy and payments were made via my XXXX XXXX account to XXXX XXXX   and with much difficulties to tracking at this late date and I only have access to check numbers not to who the check was made out to.If they can supply me with monthly due I will try to locate these payments NOT TO XXXX CARD OR SANTANDER BANK!!! Thank you
Consumer complaint received 2022-06-22
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. (NY)

15 U.S. Code 1681 Section 602 A : States I have the right to privacy 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692c : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Direct Recovery Services, LLC (CA)

Direct Recovery Services , LLC continuously seeks to collect on a debt that was involved in ID Theft for their client XXXX. They are harassing me, using foul language and using discriminatory statements in an attempt to collect a debt. This debt was deemed as Identity Theft by XXXX. Please see letter attached.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

My mortgage company sent us a letter in XXXX stating we were six months past due. We were only 5 months past due but rather than argue, we paid the mortgage current. I received another letter in XXXX stating I was 5 months past due and that I owed XXXX - XXXX payments. I immediately called them to let them know that they received XXXX payment per their instruction and that I had additionally made another payment in XXXX. Their attorneys have records of both of these payments. Ive called at least 10 times and their agents tell me that they can see there is a mistake on the ledgers on their end and they will send it to a supervisor to fix. This has been going on for more than a month and they havent updated their records yet and are threatening foreclosure.
Consumer complaint received 2020-07-14
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation (MA)

I see multiple XXXX  days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-10-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient has repeatedly misallocated payments, lied about refinancing options and at the start of my repayment with them attempted to get me to go into forbearance excessively. 

I recently was approved by XXXX to pay off my loans with Navient and they sent in a payment for the entire loan amount. Navient placed a majority of that loan into one account leaving it with a negative balance and me with a remaining balance. They have done this in the past with my government student loan checks. This is also the top reason they were sued. I discussed it with Navient and they stated they would look into it and make the change, but this wont happen until the XXXX of XXXX and I will owe interest to them at that point on the loans not paid. 

Before I went to XXXX, Navient stated on several occasions that I was not eligible for consolidation of my loans, a flat out lie. I was offered income based payments only. I asked them repeatedly about other loans options and was told there were none. When I contacted XXXX, I found out about private loans and received a much lower interest rate. 

Navient is a scam on student loan borrowers.
Consumer complaint received 2021-11-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IN)

We applied for a refinance with our current mortgage company, NewRez. Very up front that we had filed Ch. XXXX bankruptcy and it has since been closed well over a year, which is the XXXX XXXX rule for refinancing loans. We were assured that we will be fine and all will go smoothly. Gave all our requirements, had our credit run ( which lowered it, of course ), paid the appraisal fee, was told by the person working with us that it should be smooth sailing after the appraisal. Didn't hear back from them for over a week. I emailed, no response. I finally got ahold of a Senior Sales Manager who told me that our original agent was on vacation and he could help us. He said there were issues and he needed to get them corrected. Not a big deal. Said my husband, who is the veteran, was listed XXXX and should of been listed first, which I told the original agent that, and was told, it wasn't an issue. Then they had all of our debts listed XXXX, which showed our debt to income ratio was very high. So that had to be fixed. Then, they ran our credit again, thus taking another hit. After all that, I had to reach out to them again for an update. I was told that their underwriters denied us because we had to be out of the bankruptcy for over XXXX  years, even though the XXXX requirements are only XXXX. The senior manager said he would try to do a " manual underwriting '' with the underwriters, thus asking for an exception to their rules. Waited for a few days to pass with no word from them. I reached out again to them and was told they refused to provide an " exception '' and said, sorry, but we can't help you. Even though they currently have our mortgage, we have over $ XXXX in equity built up and we make over $ XXXX per year. No exception. I asked why our credit was run again even though it had only been XXXX weeks since the last time and was told that they can run it as much as they want and it won't affect it, if we apply somewhere else. The only offer that was made was that if we want to try at another company, they will send over our current appraisal so we don't have to pay again. That was it. Very, very upsetting.