davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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)

For a few years I have been going back and forth with Experian about a public record listed on my credit report. Each time they say XXXX XXXX XXXX provided the information to them. I have contacted XXXX multiple times and multiple times they have said they are not reporting the information to Experian. In XX/XX/XXXX XXXX provided me with a letter that states they have no record of a bankruptcy and have not provided that information to Experian. I have sent this letter to Experian on multiple occasions and Experian refuses to remove the public record and states that the record was investigated previously and the dispute is frivolous. 

Also, in XX/XX/XXXX I had sent a letter into Experian to investigate a slew of credit inquiries. Since I have a fraud alert on my credit file for identity theft I asked to see the permissable purpose of the credit inquiries they are currently reporting. Experian replied, XX/XX/XXXX, with a copy of my credit report stating that inquiries are a factual part of my credit report. 

Experian routinely violates consumer rights under the FCRA by either labeling disputes as frivolous or outright ignores the dispute all together. If I had to guess, I have asked Experian atleast 20 times to remove this public record all to no avail. 

I would like the CFPB to step in and represent me and hold Experian accountable for the disregard of my rights afforded to me by the FCRA. As you know, the FCRA was enacted to protect consumers from situations as this. I have attached a copy of the letter XXXX provided as well as an excerpt from the response I received from Experian.
Consumer complaint received 2021-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

Navient will call multiple times a day, literally every hour. As of XXXX  today, XX/XX/2021, navient has called at XXXX, XXXX, XXXX, and XXXX. Since XX/XX/XXXX, they have called 22 times. These phone calls are excessive.
Consumer complaint received 2021-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

After working for the XXXX XXXX for a number of years and making payments toward my federal student loans under PSLF, I decided to go back to school part time and get a XXXX XXXX. After I went through the financial aid process and started classes in the fall XXXX term, I called and spoke with FedLoan Servicing who advised me that it was categorically not possible to continue to make qualifying payments under PSLF while I was enrolled in XXXX XXXX. I continued to work full time for the XXXX XXXX  while going to XXXX XXXX for another four years. I did not make payments during this time and instead put my loans into forbearance where it accrued a considerable amount of interest. I now have {$470000.00} in student loans ( {$63000.00} of which is interest ) and am trying to plan my career and life around how to repay that. I have since learned that I actually could have made PSLF-qualifying payments while in law school -- this means I lost nearly four years in qualifying payments. In addition, the payments that I made under PSLF while I was working for the federal government before law school do not appear in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' feature on FedLoan Servicing. When I've reached out to FedLoan Servicing they weren't able to help. I should have kept records of every payment and notes of every conversation -- but it didn't occur to me that in such a major transaction, the financial institution wouldn't keep my payment records or would give me incorrect information about something so critically important. I worked for the XXXX XXXX for seven and a half years -- from XX/XX/XXXX to XX/XX/XXXX -- but I am looking at starting over with a completely blank slate. Is there anything I can do to avoid this outcome?
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (MD)

I have excellent credit, however all of my reports are frozen due to identity theft concerns. When I initially applied I was turned down and the letter that was sent to me said to unfreeze my XXXX report and reapply. I did this and was turned down again. I tried calling twice and finally got someone who said to unfreeze all three and try again. I did this and I am still getting immediately declined without being asked any questions etc. I have not received any other decline notices so I don't know why I am being declined and PayPal will not tell me over the phone. I am very frustrated. This credit is the only one I can use on XXXX so it's very inconvenient to not have it available.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Walwick, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Consumer complaint received 2021-08-15
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: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXX.Third-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (TX)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX  1. ) XX/XX/2016 {$1300.00} XXXX  1. ) XX/XX/2016 {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
Consumer complaint received 2022-05-05
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX Venture Visa 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 2022-04-10
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. (GA)

This is now my third complaint in the CFPB regarding Equifax. In my previous complaint I pointed out that Equifax allowed unauthorized companies to access my credit report. As a consumer I have the right to a credit report that is 100 % accurate. Equifax claimed that the inquiries from XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX  are " factual ''. Again I personally have no acknowledgement of these inquires whatsoever. I have a record of who I have given the permission to access my credit report. As stated in former complaints I have no recognition of EVER giving permission to access to the furnishers above. Equifax sent me information to review and confirm and again I can not confirm the information because I didn't give the access. This is not fair as a consumer to be taken through tiresome loops when I notify the Bureaus that there is inaccurate information on my credit report and they don't address the problem. They send computer generated responses and say that they " verify '' the information. If I as the consumer let them know that I didn't authorize an inquiry they must provide me with information on how the permission was given. Is there a signature given or even an account attached with the inquiry .... The reason why they can not is because there is no information regarding me giving the permission because I didn't. Equifax has sent me letters, which I will attach to this complaint, that are saying they " verified '' the information and the inquires are " factual ''. I have reached out to each of the furnishers about these inquires and notified them of the error. They have stated that they will be informing the Bureaus and apologizing for the error and yet Equifax is saying that they are factual. Clearly there is a problem and it is with Equifax not following the FCRA for who can access a persons credit. When I first notified Equifax about there being unauthorized inquires on my credit report ; they were supposed to at least place a fraud alert on my credit report to ensure this doesn't happen again, and yet, Equifax hasn't done anything EXCEPT. tell me that the inquires are factual. When they aren't. I expected more from Equifax and I don't believe that this is fair on me as a consumer because NOTHING is being done to protect my identity. I'm not sure if this is fraud and Equifax has to much pride to even take my complaints seriously. I expect them to take my complaint serious and do what the furnishers have stated to me and remove the unauthorized inquires!
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

As of todays date, a total payment of {$1300.00} has been paid via my checking account. The most recent payment of {$330.00} was withdrawn from my checking account on XXXX. Mr. Cooper has been reporting that I have made payments via XXXX XXXX XXXX XXXX I have NEVER made payments via XXXX XXXX. 
The total amount of {$1300.00} has not been applied to my mortgage account. Late charges have been applied. 
Mr. Cooper continues to unapplied the amounts being paid. By not applying to my account, this appears as though I have not been making loan payments.
Consumer complaint received 2022-04-17
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)

In accordance with the Fair Credit Reporting act 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 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX, The inquiry was not authorized XXXX XXXXXXXX XXXX of XXXX XXXX XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2020 XXXX following account is not mine XXXX XXXX Account Number : XXXX XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 XXXX inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hi. PayPal limits the accounts of their clients being that all the information is sent I have a mobile phone shop, my account was limited on several occasions, in all I managed to demonstrate what my work methodology was and what my business was. On Friday they limited my account and asked me for information, I sent the information and everything was perfect. On Saturday in the early hours of the morning they removed the limitation on my account and everything was perfect. On Monday I was again limited and asked for a bank statement and XXXX information, I did so and on Tuesday my account was unrestricted. On Wednesday my clients tell me that they can not send payments to my account and when I check my account to my surprise my account is limited again ... when I enter the account in the resolution centre I see that they ask me to provide information again and a statement of account again. I call customer service and they tell me that it may be a mistake but that PayPal still wants to recognise what XXXX XXXX is all about. I tell the representative that I have no problem sending additional information, such as a document of the registered business, where the address appears, then they tell me that they are the safest platform in the universe and that they take care of their customers ... then recently I get an email without further words that I represent a potential risk for Paypal and that I can no longer use my account and that I have to wait 180 days for the money to be released. I find out reading their terms and conditions of use, that the money I have in my PayPal account represents an unsecured credit for them. This means that they use the money of the users to make money while they retain the money of those of us who already had money there. In short PayPal is a total fraud a mini ponzi scheme. Many times I wanted to withdraw MY MONEY and I couldn't because the system always made me a " mini block for attempts '' whenever I logged in from my work or home computer and never from anywhere else. PayPal is a scam. It limits your account and makes money on your account. Please the US government can not allow this scam. Help me get my money back and my rights enforced.
Consumer complaint received 2020-03-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

My husband and I refinanced our home. We have the same exact debt with the exception of him owing a few XXXX dollars more then me. This is the second time I have had this issue with Equifax. Equifax dropped my score 20 points but only dropped my husband score 5 points for the same exact refinance loan. My husband is a XXXX  male and I'm a XXXX female. Can I have some clarification why, such a drastic difference in the points??? This shows me that this has to be a form of discrimination. Our scores changed on XX/XX/2020 and XX/XX/2020.Please inform me why such a big difference in points?? I work hard at keeping my scores up and I do understand when you make purchases or refinance your score will change but WHY did my score change so much more then his with the same exact refinance? I had this same issue with Equifax before. Our scores with the other bureaus were very close to the same point system but Equifax has some serious issues with people!!!!
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SYNCHRONY FINANCIAL (NY)

I was behind in my credit card payments with Synchrony Bank. On XXXX XXXX told representative I will make a {$30.00} payment via checking account on XXXX XXXX and will call later to apply for payments with less interest. On the XXXX Synchrony withdrew {$30.00} twice without my consent and knowledge. This caused an overdraft fee with my bank XXXX because they paid the extra {$30.00}. Now my checking account that i pay my bills has a negative {$92.00} balance. I explained what happened to XXXX rep. they say I have to get Synchrony Bank to return the second, extra {$30.00} to them. Synchrony refused to do it. Therefore my checking account will remain in a negative balance until and when Synchrony decides to correct it. I will not pay for anyone mistake, negligence or deceptive practice. I also do not have automatic withdrawal payments from my checking accounts exactly for this reason. I read companies take out extra money from people`s accounts.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

We closed a home loan refinance with Mr. Cooper ( Nationstar Mortgage XXXX, XXXX Mr . Cooper. ) on XX/XX/2020, when their notary came to our home for us to sign the loan documents. From that moment, I asked the lender to send us a copy of the signed documents. Their first response was " Oh yes we dont give the signed copies '', after I insisted that I wanted a copy for my records, their response on XX/XX/2020, was " I can request a signed copy be sent to you via XXXX but please allow some time to receive this thank you ''. 
I emailed again on XX/XX/XXXX asking for an update on the signed loan documents, never heard back. Called their main number on XX/XX/XXXX, spent 40 mins on the phone from one person to the next without a solid answer. 

We are not asking much, just a copy of the signed loan documents for our records, as it is the only way we have to defend ourselves from any unilateral changes.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/20 I made a {$430.00} purchase using my Chase debit card. Upon purchase, every customer signs the same agreement. I signed the purchase agreement, went to my scheduled appointment with the merchant and was advised by both the merchant and my then attorney that I was wasting my time and money. I did not receive the service that I paid for as a result of this conversation and ultimately left the merchants place of business. The merchant decided to offer to apply my funds to another service they offer, which I declined. I want my funds back. I am entitled to my funds back being that I paid specifically for something that I did not receive. The merchant acknowledges this. The bank refuses to credit my funds back and the merchant refuses to return my funds. As a result, Chase is complicit in the merchant essentially stealing funds. This needs to be resolved immediately, Id like for someone from the executive office to contact me if theyre willing to resolve the issue properly.
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TN)

On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA  profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.