davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Navient ( formerly XXXX XXXX ) makes it very difficult to pay off my private student loans. I have been paying for around 10 years now and have barely made a dent. If I had been told when I was applying how much I would have to pay each month and for how long, there is ABSOLUTELY NO WAY I would have signed off. Unfortunately for me, and fortunately for Navient, I was naive and uninformed. I did not know the right questions to ask nor the information to seek. 

My interest rates are insanely high ( 8-13 % ). With what I owe, you could actually finance an exotic car at around 4 % and pay it off in about 6 years. My higher education student loans are going to take me 25+ years. How are student loan rates allowed to be so ridiculously high when for the same loan amount you could get a car loan for so much less?? 

My payments are through the roof and I can never meaningfully get ahead. Even when I pay more than the minimum due, they put that extra money toward the following month 's interest rather than letting me pay down the principal. I did this for over a year ( when they were still known as XXXX XXXX ) until I realized what they were doing. Apparently, you have to mail in your payment, along with a letter stating that you want the extra amount put toward the principal rather than the following month 's interest. Why ca n't I choose to put more toward the principal with the simple check of a box online when I make my online payments?? Because they do not want to make it easy for you to pay down your loans. They want the interest payments. This system should be a crime. I hope it is. 

At this point, I have given up hope of ever paying it off. I am supposed to have about 15 years left of paying this mortgage-sized monthly bill, but seeing as how 10 years of payments have had little effect, I do not see how that would be possible. So I only pay the minimum now, even though it gets me nowhere. This debt will most likely follow me to my grave. And that is the Navient way.
Consumer complaint received 2016-09-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NC)

PayPal Credit keeps using my credit report and credit score from XXXX XXXX, 2016, instead of XXXX XXXX, 2016, XXXX. PayPal refused to secure this recent credit report which reflects a credit score of XXXX with no negatives except credit inquiries. My XXXX Credit File is very good. There were items that did not belong in XXXX, 2016, and has now been deleted and corrected. 
PayPal refuses to secure my most recent credit report. Also employees of PayPal have lied on XXXX stating that XXXX keeps sending in XXXX 2016, when PayPal Credit has not even contacted XXXX for a updated report. 
This is very unfair to me and does not allow me to extend my credit at the point of sale. My history with PayPal Credit is excellent. I never pay interest because I have always paid out my account within 30 days of purchase. 
I do not have " a serous delinquency in your credit file. '' I do not have " high on bank revolving or other revolving accounts in your credit file '' I do not have " the amount past due on accounts in your credit file is too high '' I do not have a credit score XXXX I do not have " serious delinquency. '' I do not have " Porportions of balances to credit limits is too high on bank revolving ... '' I do not have Amount past due on accounts '' There is a problem here that needs to be addressed.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This company has filled to delete fraudulent information off of my credit report. Fair Credit Reporting Act, which details your responsibility to block and DELETE fraudulent information on my credit report resulting from identity theft. i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made
Consumer complaint received 2016-06-17
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (CA)

Global Client Solutions accepted a total of {$1500.00} in payments on my outstanding debt they paid {$420.00} out to said debt and kept {$1000.00} of the money with no explanation as to where that money went. I was originally told that {$370.00} would go toward my initial fee for their services which leaves {$700.00} unaccounted for and never returned.
Consumer complaint received 2016-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Kentucky Higher Education Assistance Authority (CA)

I had XXXX loans with KY Higher learning which were transferred to XXXX XXXX in XXXX. All XXXX loans are still appearing on my credit report and impacting my ability to obtain financing. I 've requested that they remove these loans from my credit report multiple times form XXXX, even submitting a form to KY Higher Education to remove them from my credit report ( which they claim to have never received ) and disputing my credit reporting with the credit agencies. Today, I spoke with KY Higher Education and discussed the situation with an individual named XXXX. He said I needed to submit another credit dispute from ; yet, he refused to send me the credit dispute form and just referred to the company website to dig for it. He said that he talked to a supervisor and they could not offer any further assistance, other than to say you can try to find our credit dispute form somewhere on our website.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (NC)

Ive had problems in the past with fraudulent activity on my Navy Federal account and I believe it happened once again. Just recently I had an inquiry placed on my credit report from NFCU about an auto loan that was not authorized by me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint to EXPERIAN for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my credit report from Transunion and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With XXXX continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.
Consumer complaint received 2017-01-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

In XXXX XXXX our home flooded. In XXXX the insurance released a cash advance of {$20000.00} Wells Fargo endorsed the check and we were able to start the clean up process. When the remainer of the balance was sent to us Wells Fargo stated we needed a contractor and would not release more funds unless we completed the house to 50 % and passed approval. On XXXX/XXXX/XXXX Wells Fargo sent out their inspector and approved us for being 50 % completed. Now Wells Fargo will not release XXXX of the remaining balance.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXXaccounts on both trans and XXXX that were desputed and were suppose to be deleted but they are still on there also I have had a XXXX XXXX credit card for five months made XXXX ontime payments and that 's not on my credit report
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

To CFPB, I 'm writing this letter to find out how I can get my money back from a business checking account with Santander in MA. My checking account was closed without reason on XXXX XXXX 2016 and without any notification thru mail, email or telephone prior to that closure. In addition, I tried to called Business Customer department XXXX, who are unable to provide any answers except that the account was closed and that I should visit a branch to find out more info. 

I did visit the Santander branch on XXXX XXXX XXXX in XXXX MA, where I spoke with the Branch Manager named XXXX XXXX. However, after he spent some time investigating what happened to my account, he was unable to provide an answer only except that he saw a note saying that the Santander Compliance Department had closed the account and that it was n't a case of fraud. Thus no official complaint was logged and he was unable to provide further assistance. His email is XXXXXXXXXXXX, XXXX, XXXX ID XXXX. 

Thus I am writing this complaint letter to CFPB as a request to look into why my accounts were closed without notice as required by state and federal law. Second, I request that Santander returned {$5300.00} from # XXXX and {$55.00} from # XXXX as soon as possible as I need those funds for my business. 

Thus, please provide a response to my above requests and provide a check for the amounts requested which was unjustly taken from my account. If the Compliance Department did not close my account, then I would like to register a case of fraud that my account was cleaned out not by me as I was n't at the branch on that day XXXX/XXXX/2016. I have attached a copy of the bank statements in question for your reference. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

I have a loan that meets the requirements for a HARP refinance and Wells Fargo currently holds that loan. I have attempted over the past year to process a HARP refinance however Wells Fargo keeps coming up with different reasons why they can not process it. The first was that there were lates on my account and after many many many phone calls to resolve the fact that I had no lates I was told that was not the reason and that the reason is now because I have lender paid mortgage insurance. Under the HARP program a refinance with Lender Paid Mortgage Insurance is allowable and Well Fargo stated that as well but say they wont do the refinance because of it. For a program meaning HARP that is supposed to simplify the process for eligible borrowers Wells Fargo has made this a miserable impossible experience.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX XXXX, has violated my rights XX/XX/scrub>XXXX XXXX Under 15 USC 1681 section 602 states I have a right to privacy. 15USC 1681 section 604A section 2 it also says a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer and credit plan as late for any purpose.
Consumer complaint received 2017-01-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone other than myself has created XXXX CFPB complaints under my account on XX/XX/2016, complaints numbers XXXX, XXXX, XXXX, and XXXX. There have also been comsumer responses provided indicating the company response is not disputed for which I did not provide as all of the company provided written responses to my CFPB complaints have misrepresented documents, account activity, and even omitted material facts related to the true status of my account during the modification process. I always DISPUTE the company response for these very reasons and I will continue to dispute the company responses so long as the company continues to lie and misrepresent the facts. 
Just to be clear, while the XX/XX/2016 CFPB complaints are represented as submitted by me, they are not and I have not authorized anyone to create or respond to any company response relating to any of my CFPB complaints. Specifically, I have never responded to the company response indicating not in dispute. So, the CFPB complaints between XX/XX/2016 throught XX/XX/2016 are disputed by me and what is showing on my CFPB account is incorrect. 
Furthermore, I simply stopped taking the time to indicate I dispute the company provided written response as it did not address the concerns within the complaint and often referred to a previously provided nonresponse response. Even so, it should be understood I continue to dispute the company provided written response to the extent it does not resolve my concerns stated within the complaints. 
An update and correction for the CFPB complaints between XX/XX/2016 through XX/XX/2016 is in order indicating customer disputes the company response. All other previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (VA)

Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A. (NC)

i currently have a loan which is a second mortgage loan from pnc bank and the interest rate is 8.5 % was opened in 2007 and about a year ago or XXXX ago I contacted them to refinance and lower my interest rate so i can get a lower montly payment they refuse me as my credit was not good. I tried again same and now I am behind with my payment for 6 months totalling XXXX, XXXX and they want to foreclosure on my home I cantact them again for a loan modification and they never sent me the paper work so i contact alliance which was unable to help me so they give me the link to pnc bank for loan modification I send them the application they did not answer me I think this bank just want to do foreclosure instead of helping me out with the rate which is 8.5 % most loans in these days is 4 % kindly look into this and let me know what to do
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about transunion. I have disputed several things on my credit report and I keep getting letters stating they need additional time. To my understanding I am to allow 30 days for a company to respond. If they do not respond within 30 days it is to be removed. I tried going online to view my transunion credit report and it will not allow me to do so. I also called several times and am always re-directed as my credit file is in with the identity theft dept. I keep getting an answering machine. I am trying to get my updated credit report to make sure this incorrect information was corrected. Yesterday XXXX/XXXX/16 I received another letter that they need an additional 15 days. Last month when I was able to get online I kept disputing the same information. Usually if something is under investigation you ca n't dispute it. The system kept letting me dispute the incorrect information that tells me that they are not investigating my dispute. I am trying to obtain credit and with all this incorrect information on my report is making it difficult for me. My credit score according to XXXX is very low. Something is def wrong because my score should be going up not down. I ca n't get a report nor get to speak to anyone so I am submitting this complaint because I have no idea what my credit report looks like. I also have been trying to dispute XXXX deragatory remarks from XXXX that also is affecting my credit score in a negative way. I was told under legal counsel that these XXXX remarks for XXXX account is unheard of and if anything only XXXX negative remark should be reporting. I was told under legal counsel that this is to further affect my credit.
Consumer complaint received 2017-01-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

XXXX and Bayview Loan Servicing have refused to provide my itemized and complete loan history on my current mortgage as required by the Real Estate Procedures Act 12 U.S.C 2605e as I have requested several times in writing and verbally. XXXX also called my insurance company ( XXXX XXXX ) and told them I no longer owned my home and returned the check to XXXX that XXXX XXXX paid for my condo insurance for the year. XXXX then placed " force placed '' insurance on my townhouse without my permission or consent. XXXX, to date, will not give the amount or itemization of the fees associated with there force placed coverage. The lender has scheduled XXXX separate sheriff sales while my loan was under modification review. In addition, never received 14 days notice of any of for any of the sale dates. In fact, the sale that was scheduled for XX/XX/XXXX was changed on XX/XX/XXXX and lender paperwork was not submitted until XX/XX/XXXX to postpone sale. The date was changed to XX/XX/XXXX. I received verbal knowledge of this through my HRA contact. Bayview also reported to the modification underwriters that I did not complete all the documents they requested. I did and I have proof. As a result, the underwriters denied ( apparently ) my modification. This denial was verbally told to my HRA contact and not provided in writing. As of this date ( XX/XX/XXXX ), I have a sale date of ( which is the third one ) for XXXX. The asset manager for Bayview has not responded in a timely matter during this process and often says he " has not received documents '' to his attorneys and underwriters, which his not true. I have proof of the email submissions with dates and times. I believe the lender has target my property for profit and have not followed the laws regarding my FHA backed loan.
Consumer complaint received 2016-09-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

It has been reported on my credit reports that I have an account with Capital One bank that is not my account. I received a letter from Capital One bank stating that they purchased the account from XXXX and that this is my account. I contacted Capital One Bank again today online and when asked to verify my birth date they stated that was not the birth date on my account. The reason is because this is not my account. I have previously had accounts with Capital One that have been paid ans closed. I never had an account with XXXX. This is not my account and I would like this information removed from my credit report asap.