davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I spoke to a representative on XX/XX/2019 to discuss the new payment plan on my student loan. She told me that it would be paid off in 12 years, on the XXXX of every month on a graduated repayment plan. She read me the forbearance letter and told me I didn't need to do anything else, I would see the updated information on my online portal. 
Further, on XX/XX/2019 I got online to review my account. No changes had been made. I called navient and was on the phone with XXXX for XXXX minutes. He told me I was given incorrect information and it was filed in correctly on XX/XX/2019. He hung up on me while trying to transfer me to the supervisor. I then received a call back and was told that the options were to extend my loan out to XXXX at a much higher monthly payment. 
I received incorrect, misrepresented information and was advised to be in forbearance when I had funds to make a payment, collected more interest on the loan, and got falsified information on what my payment would be and when payments would end.
Consumer complaint received 2020-08-13
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. (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. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have two collections on my credit report from XXXX XXXX XXXX which they are unable to verify. I sent the letter stating they can not verify these collection debts are mine. Experian still reporting on my credit report after I demanded it taken off my credit which is a FDCPA violation of my rights.
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I am submitting this complaint because of how long my closing process has taken through First Citizens Bank. I originally submitted my contract on XX/XX/2021 at First Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, VA. I was told I would close on this property in 60-70 days. I was told that I would close by the end of XXXX, then XXXX and now we are almost at the end of XXXX, 91 days from when I turned in my application and contract to the mortgage lender. The current owner has extended the contract once until XX/XX/2021, and is becoming very impatient, as am I. I am very displeased with this process and I hope it does not cost me the purchase of this house. I have reached out continuously to my lender in XXXX and my loan processor located in XXXX, SC, but they have not been helpful as this process continues to be strung along with no solutions to close in a timely matter. I have sent in all requested documentation in a timely matter, always right after it is requested. So I would like an explanation as to why we are 91 days from the start of this process and would appreciate a solution as soon as possible so I can close on this property before the contract addendum expires once again.
Consumer complaint received 2021-05-13
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)

i am an identity theft victim XXXX XXXX XXXX Not my account XXXX XXXX Not my account XXXX XXXX Never rented from this place. I own my own home This is not my account
Consumer complaint received 2019-03-25
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. (VA)

I have submitted more than 15 pages of documented proof to Equifax that an account reporting on my record is fraudulent. I have also submitted 2 FTC Identity Theft reports along with substantiating proof to have Equifax block the account from reporting on my record. It is a loan from a non-US based bank in XXXX XXXX/ XXXX XXXX XXXX a balance of appx. 50k. I have been disputing the fraudulent account with Equifax since late XXXX / XXXX XXXX, and they continue to irresponsibly state the information will remain on my credit report. 

After continuous disputes, Equifax remains to ignore my federal rights per FCRA governing statues and continues to dismiss my claim of fraudulent activity. XXXX has contacted Equifax on my behalf to also block the account. 

Additional steps I have taken have been to put a fraud alert across all three CRAs to protect the integrity of my credit report. However, even still Equifax continues its abusive practice of deliberately and maliciously reporting the fraudulent account. After in depth consultation with my attorney, I've exhausted all of my available resources and am now filing a formal complaint with CFPB before moving to take aggressive legal action for damages/ punitive damages to my person.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Consumer complaint received 2021-03-26
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. (NM)

I have 16 accts that were included in my Chapter 7 Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

My payment of XXXX is past due this month. I'm enrolled in direct deposits and they have billed my bank account before. I have two emails. One that direct deposit would come out on XX/XX/19 and one from XX/XX/19 that payment was received. On my online account, no payment is posted. I'm also not in the direct deposit ( which I don't understand why ) and those two emails above are nowhere to be found in my account related letter.
Consumer complaint received 2021-02-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NJ)

Approximately a year ago I returned my lease and payed my additional prescribed settlement fees that wee imposed by the dealer. Received my settlement paperwork and a few months went by I started to receive paperwork from us bank that I owed more money. I called the car dealer and my salesman informed me that a mistake was made on there end. I called us bank and a representative informed me that these accounting eras happen often now I requested a breakdown of the fee to pay and us bank will only send me my original contract with no identifying cover letter. No transparency has been offered from XXXX XXXX in XXXX Nj or US Bank
Consumer complaint received 2021-12-06
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. (NY)

I have called transunion numerous times. They have agreed to delete these inquiries and it is still reflecting on my report. I want these inquiries deleted immediately. They are in violation of the laws.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

On XX/XX/2020, my loan with Statebridge was transferred to a new loan, XXXX. Unbeknownst to me, the funds were not sent as well. I received a call from XXXX saying that I was 30 days late. I contacted them on XX/XX/2020 advising them that payment was sent electronically to Statebridge on XX/XX/2020. XXXX had apparently not received the payment. That same day, I then proceeded to contact Statebridge and when I saw that my account still had the unapplied amount of {$150.00} sitting there, I asked them to please send it to XXXX as my loan had been transferred. On XX/XX/2020, the unapplied funds were finally disbursed on XX/XX/2020, from Statebridge. I was told at that time that the money had been wired over. I contacted XXXX to see if they had any information regarding a wire transfer from XXXX in the amount of {$150.00} and they did not have anything in house. Again, I contacted Statebridge letting them know that XXXX had not received payment. Then on XX/XX/2020, I was told that a check was mailed on XX/XX/2020 and the agent gave me the check number. The agent at Statebridge was also going to open a task to see how the check was sent. I also asked if they could check to see if the check had been cashed and she said no. On that same day, I contacted XXXX to give them the check information so that they can see if they had the check in their accounting department. On XX/XX/2020, I contacted XXXX for confirmation of payment received, and of course they had not received it yet. XXXX asked me to send my bank statement showing proof of payment to Statebridge on XX/XX/2020. On XX/XX/2020, I contacted XXXX to again see if there was any information about the check from Statebridge being received and the agent informed me that nothing has been received as of late. I attempted to call Statebridge 4 times and have not been able to get through. Their phone system keep sending me to take a survey and I haven't even spoken to anyone yet. As of XX/XX/2020, the check that Statebridge " mailed '' to XXXX in the amount of {$150.00} still is yet to be found.
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

During XXXX I was struggling due to Covid and the reduction in work due to the reduction in passengers at my airline. Yes my payment was made late but they kept adding the late fees and there reps just said yes the late fees get charged. Then things turn around and flying picks up and I get my loan back on track. Then in XX/XX/XXXX I paid the payment a couple of days early so they shorted my payment to pay late charges then charged me more late charges.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Hello. I want to say that it takes a lot for me to complain about a company, but I have been dealing with this for over a year. I had a PayPal Mastercard that was erroneously closed, because Synchrony stated, " I was placing stop payments via my checking account with XXXX XXXX which resulted in returned payments. '' I have contacted my bank numerous times, with the most recent call made today at XXXX HRS, to make sure there was not a stop payment on the account nor a block on PayPal. I have contacted PayPal numerous times on or around the due dates ( XXXX of each month starting from XXXX of XXXX ) to delete and re-add my checking account to the automated system. What no one is able to tell me is why my PayPal credit account, using the same banking information as provided for my PayPal Mastercard account, goes through without a problem via auto pay. To pay my Mastercard account, I have to manually enter in a payment. The most recent payment was scheduled for XXXX XX/XX/XXXX and was cleared by my bank on XXXX XX/XX/XXXX. I have a transaction ID from PayPal, identifying the payment, and a screenshot of my bank details showing the payment withdrawn from my account. I was informed by PayPal to have my bank send a letter indicating that there was not a stop payment and that the payment went through, when in the interim, to make another payment. I was asked to send a letter the same way in XXXX of XXXX and did not receive any other correspondence nor contact from PayPal. I called my bank today and both representatives informed me of the same information : no stop payments, no blocks on PayPal, and that the payment of {$150.00} went through. The second representative even stayed on the line to conference call PayPal but was disconnected after entering all of my information. I called PayPal again at XXXX with another representative asking for another letter but this time to fax it at XXXX with attention to Synchrony PayPal Mastercard. I am upset about this whole situation, feeling like I am in the wrong and an irresponsible customer. I am at a loss. I also want to inform the FTC that if a manual payment is entered, the automatic payment is canceled for that month ... another flaw in their system that two other PayPal representatives identified but had a supervisor argue with me again with the perception I was the wrong one.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

I have been locked out of my checking account with current online mobile bank. At the time of locking me out of my account the remaining balance was and should still be {$3200.00}, as I have yet to get access to my account or funds. The date of all this began on or around XX/XX/2020 and is still currently an issue of which has not been resolved. After many different approaches to actually discussing the issues at hand with an actual being or representative other than via email, which I've recently been requesting phone number update on my account. No reply from current or their service support techs. These issues have been going on now for almost 2 years and it's been long overdue.Not mentioned the huge inconveniences this has caused in my life. I've provided all the needed supporting documentation regarding my deposits made in my account being in my name of which I still have all the emails from current and myself as well as the attachments verifying everything of which was what that's going on in my. Still current has done nothing more than exactly what it seems, keeping my money from me. I feel like I've been robbed of my funds, locked from getting access to my account. By far is this in any way acceptable to be taken for all you have like that's absurd and feel like there is something that can be done and a lawsuit or sure.
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: Experian Information Solutions 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. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}
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 have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.
Consumer complaint received 2022-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

CArrington Mortgage, has been very difficult to work with. I applied for forbearance because my business closed due to covid but got denied, then my loan modification request was denied although our monthly income is now only XXXX and our escrow/mortgage is {$690.00}. I was granted 3 months payments through the Homeowners assistance fund plus an additional 3 months that should have carried us until XX/XX/2023, but Carrington has taken that money as 1 monthly payment for XXXX and is threatening to foreclose us again. Carrington has reported late payments although the reasons were covid related, and now we dont qualify for a mortgage refinance. Carrington tsays they did not take that money that they will eventually return it to the state but they are still sending threatening letters when they have the money.
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: CBC Companies, Inc. (VA)

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.
Consumer complaint received 2022-11-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00}