davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

What school were you attending when you got the loan? 
This question was posed earlier in the form but it only allows you to input one school. I pulled out loans while I was attending the following two schools : -XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX , CA ) -XXXX COLLEGE ( XXXX, MI ) Issue : I started employment at a XXXX   organization ( XXXX XXXX ) on XX/XX/XXXX. This non-profit qualified for the PSLF Program. However, not all of my payments have been attributed to PSLF Program while working at the non-profit. XXXX XXXX acknowledged the error and provided two reasons why this happened : Reason 1 ) Some of her payments were not categorized as PSLF because they were overpayments, and if they are overpayments, they are disqualified as PSLF payments. Payments must be the exact amount due. Two things to fix problem. 
1 ) Turned off notification that disqualifies her payment if it's an overpayment - DONE.

2 ) Request put into accounting to do an audit. Go back through all of the payments made from XX/XX/XXXX ( The XX/XX/XXXX payment will not count because she started working at XXXX XXXX after she made payment for that month ). Identify payments that were overpayments, remove the disqualification status and then marking the payment as PSLF. Case # XXXX. This will take 2-3 months. ( XX/XX/XXXX will mark 6 months from today ) Once its completed, XXXX will send letter in mail. 

Reason 2 ) Not all loans at the time XXXX began employment with XXXX XXXX qualified for PSLF.  It was not until they were consolidated in XX/XX/XXXX that they qualified for PSLF. This is subject to debate because XXXX previously gave XXXX the impression/verbal that all her loans did qualify for PSLF. This may have been a consolidation error. 

We checked on the status of this issue on the following five dates but the phone representatives did have any additional information : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX, we are still awaiting resolution to this issue. Details may be found in the attached XXXX XXXX Event Log. Please note there are two tabs in the spreadsheet.
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.
Consumer complaint received 2020-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX i sent all 3 credit bureaus certified mail disputes of inaccurate things on my credit report and i have not received anything yet over 45 days now. my understanding if a investigation take more than 30 days all inaccurate information must be deleted from my credit reports.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX MN CHILD SUP DEPTEDXXXX   Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX  MN CHILD SUP DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : MN CHILD SUPPORT ENF DEPT OF ED/XXXX MN CHILD SUP DEPTEDXXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/2029 I a settlement on a debt was agreed on by Southwest Credit Systems and myself. The amount that was due was {$1100.00} and we settled for {$630.00}. I asked them would they remove my debt from the credit report which they said yes. Once I made the payment they informed me that a letter would be sent to me stating that I no longer was in debt to this company and that a settlement was made. I once again asked them would it be removed from my credit and they said yes but it would be 10 to 15 days. 

A few days after XX/XX/XXXX, I called them and someone told me that once I received the letter that I could send it to the credit bureau to be removed faster. 

Since then I have called several more times to delete my debt to Southwest or report the correct information to the credit bureaus so my credit can be cleared but they refuse. 

This has caused me many problems in moving forward with my life.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (OH)

i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to Shellpoint mortgage.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX credit bureau on XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, Shellpoint Mortgage said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this Shellpoint admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.
Consumer complaint received 2020-03-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (SD)

On XX/XX/2020 i received a letter from Santander Consumer and their attempting to collect on a old debt that has been removed from my credit reports and past the statute of limitations. 
It also states they are attempting to repossess the vehicle that i disposed over 4 years ago.
Consumer complaint received 2019-08-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (SC)

Upon reviewing my CFPB complaints # XXXX, XXXX, and XXXX, I discovered that you closed my complaint on XX/XX/XXXX. Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than4 business days after the date of receipt.
Consumer complaint received 2020-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NH)

Originally received a loan from Navient for {$18000.00} in XX/XX/XXXX. I started making payments on XX/XX/XXXX. Since then, my parents and I have made 97 payments, resulting in {$25000.00}. Of that amount, only {$1800.00} has been applied to the principal of the loan. My current balance is {$23000.00}. Myself and my parents have tried dozens of times to rectify this, attempt an alternative plan and try to understand why this has been happening and we get no clear answer. I know there is an active lawsuit against Navient for this exact thing and Im one of thousands this has happened to. My father tried to give Navient a one day payoff amount of half the loan value and was told no. We also tried to seek assistance of some kind years ago and was told since my account was current, they couldnt help and Id have to default for 120 days to qualify. Doing so, devastated my credit and my fathers as he is a co-borrower. Then, we called and tried to get assistance and only could do forbearance which accumulates interest and requires a {$50.00} payment. Its absurd. Furthermore, I had to drop out in XX/XX/XXXX due to a XXXX  XXXX I sustained and my college refunded {$11000.00} to Navient and it didnt make a dent in the balance! Weve overpaid by {$7200.00} and this last month I missed 1 payment and Navient reported it and dropped my credit score again 100pts and my fathers by 107. This loan has been paid off AND THEN SOME but still I somehow owe more than Ive borrowed. Navient will not budge, nor do they care about this deceitful action and they will continue to do so until the government shuts them down or crushes them with a lawsuit, resulting in millions of dollars of refunds for students. Please help in any way you can. I have full records of every payment down to the XXXX and how and when it was applied to my loan.
Consumer complaint received 2022-06-14
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: SYNCHRONY FINANCIAL (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/CARE CREDIT. SYNCB/CARE CREDIT is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/CARE CREDIT is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/CARE CREDIT any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold SYNCB/CARE CREDIT criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/CARE CREDIT can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

I, and I believe others, have been trying to get guidance from American Education Services, aes.Success.org, about interest rates and loan terms during this COVID-19 crisis. Per orders from the Department of Education and given recent legislation, interest should have stopped accruing on my loans. But this hasn't happened and AES hasn't provided any new guidance.
Consumer complaint received 2020-05-08
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. (OH)

i had a mortgage with XXXX.i got a letter from them in XXXX, saying they were gon na sell my loan to XXXX  XXXX.i did online reviews of there company, and decided i don't want any part of them.so i paid the mortage off on XXXX.i sent a cashiers check, i got the letter from XXXX saying paid in full i got an alert from XXXX  credit bureau XXXX XXXX saying my credit score went from the 800 '' s to the six hundreds.so after investigating, XXXX   XXXX  said they hadn't received a payment in 120 days.the credit bureau report said , amount owed XXXX, amount paid XXXX, after all of this XXXX  admited that it was a mistake.but they want me to send them a letter asking for them to remove it from the credit bureau.i said '' u just told me it was a mistake '' and now u want me to ask u to please remove it!!!, after the hard ship i have been through!! but i did send them the paid in full letter from XXXX, a copy of the cashiers check last week.i called them today XX/XX/XXXX, they said they had received my documents, and do u believe they still want me to send them a letter requesting them to remove it from my credit report!! i said, wait a minute, i'm the victim here, shouldn't you be sending me and apology letter!! i have allready the attorney general.they suggested i also contact u.
Consumer complaint received 2021-09-23
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. (PA)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

A credit card was fraudulently opened in my name and I am completely unsatisfied with Synchrony Bank 's 'investigation ' of my fraud claim. I had NEVER had any contact with Synchrony about  this account prior to my discovering the fraud on XX/XX/2020. I have not lived at the address associated with the account for 20 years. The email address associated with the account is not mine. I have never received any phone calls from Synchrony related to this account. I informed Synchrony that this account is fraud and they undertook an 'investigation '. Today I received notice from Synchrony that they are unable to approve my fraud claim because : 1. " You authorized, participated in, or benefited from the purchase '' 2. " Payments have been made by you on this account '' 3. " The account has been opened for more than 12 months with statements sent to you '' I am furious about this situation for a host of reasons. To begin with, Synchrony never contacted me as part of their investigation and none of their so-called findings are true. I called Synchrony again and they say they are unable to give me any details about the account, but I was able to find out that the address on the account is one that I have not lived at for 20 years, the email on the account is not mine, and Synchrony acquired the account  from another issuer in XXXX. I believe that Synchrony is intentionally doing a sham investigation of this fraud in order to scare me or bully me into paying it. I have NEVER had delinquent credit and as a result of this my credit score dropped from over XXXX to XXXX. This account is fraudulent. I have never used this credit card and I have never made payments on this credit card. I am begging for help to get Synchrony to do a competent investigation.
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: 1st Franklin Financial Corporation (GA)

1st Franklin Financial - XXXX XXXX, GA ( 3 ) 1st Franklin Financial - XXXX, GA ( 2 ) 1st Franklin Financial - XXXX, GA ( 1 ) My approved loan was transferred to this location on XXXX. It was done by XXXX XXXX, Regional, after I had problems with the XXXX, GA office location. 

I have been in constant contact with XXXX XXXX. I had to submit my documents only. It was approved. 

XXXX XXXX contacted me on XXXX20 later in the day and said that the loan was not approved. Same company I was discriminated against and given incorrect information. XXXX XXXX tried to change her involvement after I was denied at the XXXX XXXX, GA location. 

This is my complaint. 

This company has denied my approval. I was approved in XXXX, GA. 

This company is SHADY. Seek legal advice and know your rights.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

Before and after closing this account in XX/XX/XXXX, Paypal Mastercard c/o Syncrony Bank added late charges and interest to the payments which made it impossible to make minimum payments. My spouse lost his job XX/XX/XXXX and I continued to make minimum payments but Syncrony reported that no payments were made. I made arrangement with Syncrony in XX/XX/XXXX of {$140.00} XX/XX/XXXX and {$47.00} for 5 months thereafter to be automatically withdrawn from my bank checking account each month. On XX/XX/XXXX, {$140.00} was withdrawn from my checking account, yet Syncrony Bank reported that it was a missed payment to the three credit bureaus. This is fraudulent and predatory lending by Syncrony as they are the account holders of a few of our other accounts where payments have not been reported accurately.