davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WA)

Dealing with Navient has been incredibly stressful and difficult. Their staff is condescending. At one point during a call, I had to set guidelines on how to communicate with the representative because he was unprofessional. While this conduct was reported, nothing came of it. Yesterday, I called XXXX XXXX for advice. I found out that I would have qualified for a low income driven plan all this time, but Navient never offered me this option at all! They kept putting me to deferment until I wasn't eligible for anymore deferment. I've explained to them that I'm currently working part time and on gov. assistance. I also submitted a economic hardship application which they did nothing with it. So yesterday, I filed for consolidation with another service provider including with an income driven payment plan. Navient is irresponsible and took advantage of situation. They took advantage of a consumer who knew very little about her options and did not present any other options other than to forcibly collect debt. While i asked if there was any other way, they told me no. They have robbed me from my options and rights to know by withholding information such as the income driven payment plan.
Consumer complaint received 2018-05-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MN)

I filled out an online form to see the value of my house and refinancing. Loan Depot has called me 58 times and left 5 second messages. They wont quit calling me. I started to delete my messages before I screen capture so voicemail now says 45. See attached
Consumer complaint received 2018-05-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

Santander USA is reporting I owe {$11000.00}. I never owned a vehicle with them or had a loan. However, I do share the same name/address with my father. XXXX & XXXX verified ; showing it isn't my debt. I've written XXXX over 8 times regarding this matter, but they haven't verified this account is mine. PLEASE HELP.
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I am getting the dates now from Navient. I made a rather large payment of over 2,000 dollars one year and it was never applied to the principal after I was told it was and my loan is not going down it is going up even if I pay more than the amount due. I have asked for help with Navient to give me the proper amount to pay, so I am not paying it until I die.
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Credit Control (CA)

I was contacted by phone from Continental Credit Control on XX/XX/2018 to collect a supposed debt. I sent a letter via certified mail on XX/XX/18 asking Continental Credit Control to verify my debt. Continental Credit Control have never sent me any information to verify my debt, but has continuously called me on XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (DE)

On Sunday,  XXXX / XXXX /  XXXX   at approximately  XXXX   XXXX  I called into  CHASE customer service regarding my CHASE    Sapphire Preferred   card ending in  XXXX . I asked the representative to close the card. When asked why, I advised her that I received a promotional e-mail offering a referral bonus of  XXXX  points  ( approximately {$100.00} ) . I wanted to offset my upcoming annual of {$95.00} fee, so about  6 we eks earlier I referred my brother ( I added his information onto the additional user portion of the complaint ), who took out the card ; however, I never received the bonus.     The rep advised that I could close out the card, but also advised that I could switch it from a CHASE Sapphire Preferred to just CHASE Sapphire, and not incur the annual fee. So after asking multiple times, and ensuring that I would not be charged the fee, I decided to go down this route of switching the card type. Well,  XXXX   XXXX  passed and I incurred the {$95.00} fee anyway.     Also, on a side note, I recently received a notice that CHASE was shutting down my  XXXX  rewards card ending in  XXXX . I asked the rep if she could condition my account to keep my card open, which she said that she could. I 'm not sure if this was done correctly and would like this investigated as well.
Consumer complaint received 2018-05-07
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. (SC)

XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX   XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX and XXXX- 'EXPERIAN FOLLOW SUIT WITH REMOVE ASAP '
Consumer complaint received 2018-06-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Trans-Fast Remittance LLC (OH)

I made a transfer on XX/XX/XXXX using transfast.com from USD to XXXX of {$4000.00}. After creating the transaction, the email from transfast said it will be deposited to my XXXX account on XX/XX/XXXX. Today ( XX/XX/XXXX ) morning i received an email saying my transfer is completed and " Your transfer has been picked up or received by your recipient. ". 
When i logged into my XXXX account, the money is not there. When contacted customer service XXXX said it should be there by EOD today, now it's XXXX, money is NOT THERE. 
When again contacted customer service over chat, new story ... money will be credited on XX/XX/XXXX, because there is " Another processing ''. 

So what does " Your transfer has been picked up or received by your recipient. '' means?????? 

It's definitely a fraud/scam to hold my fund for more time and using before releasing the fund to me according to the contract.
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

When I left for the XXXX XXXX in XX/XX/XXXX, the XXXX XXXX submitted paperwork to the Department of Education reflecting my status. At the same time I submitted paperwork to my my loan holder requesting ( for the second time ) to be placed on an income based repayment plan, as well as an application for public service loan forgiveness. Around XX/XX/XXXX I started receiving emails that I was close to defaulting. I reached out to XXXX XXXX several times requesting the status of my several applications. Throughout XX/XX/XXXX I  corresponded with XXXX in an attempt to update them and continue to apply for PSLF and ICBR. Every application I submitted was denied, generally on the ground of not providing enough documentation, even though I sent a certified letter from the XXXX XXXX, as well as evidence of my living stipend as evidence of my income. When I returned to the US in XX/XX/XXXX I was still close to defaulting so I made one large installment and put in a forbearance request. I made contact with XXXX several times throughout XX/XX/XXXX to try and sort out the applications. I was told the XXXX XXXX did not notify the Department of Education about my status, even though this is standard operating procedure for XXXX XXXX. Over the phone I asked for a new application, and for PSLF to be retroactive and take into consideration my over 4 years of volunteering with XXXX XXXX and XXXX, as well as my current status as a XXXX. Multiple customer service representatives ( including XXXX ID # XXXX and XXXX ID # XXXX ) refused to work with me, including hanging up calls, being rude, and refusing to entertain requests for further information. Throughout this exchange XXXX continued to send correspondences to addresses I do not live at, despite emailing them multiple times to update my address, and despite the XXXX XXXX sending the Dept. of Ed information about my status abroad. My requests for address changes were ignored and receipts of my applications, and their rejections, as well as my proximity to default were all sent to Maryland, even though I lived in XXXX and my former landlord kept sending the letter back with a label saying my forwarding address was XXXX XXXX. At present, I still do not have PSLF nor am I on a ICBR Plan, despite having served as a volunteer at currently at a 501 ( c ) ( 3 ) for almost 5 years.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report on XXXX XXXX and I noticed an inquiry from XXXX which I don't have an account with them. I called the company and after verifying my information they said that it's truth that I don't have an account with them. They told me to report this online to consumer finance so they can remove it from my credit reports.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (PA)

I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2018-05-07
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: HYUNDAI CAPITAL AMERICA (TX)

On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.
Consumer complaint received 2018-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

I switched hazard providers, and sent to Ditech Escrow department the balance of the escrow refund from previous provider with instructions to apply toward escrow. Ditech incorrectly applied these funds. The amount sent was {$1700.00}. Part was applied towards a payment and the rest towards escrow. This resulted in a much higher monthly payment. I called 6 times, spoke with a representative / manager and each time was told that this was recognized and corrected. It has not been corrected and when I now make my monthly payment, it ends up in an " UN-applied funds '' account. This has made me delinquent and causing negative credit reporting. No one has been able to correct my account, included manages that have promised my confirmation call or email to verify the correction of the misapplied funds. 
HELP!
Consumer complaint received 2018-05-05
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. (TX)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have sent a certified XXXX fraud request to remove items off of my credit report - please see attached PDF for complete details. Equifax refuses to honor this fraud removal request.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (MI)

I was XXXX  on XX/XX/year>. I was in my car using my phone and the suspect put a XXXX to my head and took my phone while I was using it transferring over XXXX to himself using XXXX. XXXX is not letting me get my money back due to it being a friends and family transaction. However, my phone and also my whole wallet was stolen from me. I did not authorize this and notified them immediately! I disputed it with my bank and they have also denied it. I currently have a police report for this matter and I should be refunded because I was robbed! None of this I authorized.attached is the police report from the XXXX police department. I also an attached the info where they stole more things from me with my cellular device but I was able to get that back from the credit card company. They also stole from a website called XXXX. And I had to contact them before the order shipped out and I attached that info as well. I currently bank with XXXX XXXX  And the denial receipt is also attached. My account went to the negative after those transactions. Why would I force my account into the negative
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

Ocwen claims " Our goal is to assist every customer if we are able to do so within the established guidelines by the investor ''. How can Ocwen assist every customer when it fails at the most basic level of using inaccurate and incomplete information which in turn results in inaccurate results which costs the customer. Ocwen is the worst company I have dealt with and should not be in the mortgage lending business.   Ocwen failed to accurately evaluate my request for mortgage assistance. On  XXXX   XXXX ,   XXXX  , Ocwen requested that I " provide the  XXXX  with borrower 's assets and expense details '', see email attached. On  XXXX   XXXX ,   XXXX  , I emailed Ocwen with  XXXX   XXXX  borrower 's assets and expense details, see email attached. Ocwen has failed to accurately account for my assets and expenses that I provided in evaluating my request for mortgage assistance. Instead, Ocwen denied my request for mortgage assistance based on an inaccurate monthly gross income of {$430.00}, see denial letter attached. Furthermore, Ocwen claims to have taken into consideration borrower 's and non borrower 's income in a previous request for mortgage assistance, but continues to refuse to account for the borrower 's and non borrower ' INCOME and EXPENSES for the current request for mortgage assistance.
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with Transunion in the past, XX/XX/XXXX with no resolution from agency
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Request to Remove Fraudulent Addresses from My Credit Report Dear Credit Bureau Name I am writing to formally request, yet again, the removal of fraudulent addresses from my credit report. Despite several previous communications regarding this matter, these unauthorized addresses continue to appear on my credit profile, causing significant distress and potential harm to my financial standing.

My personal information was compromised in a data breach, and I have since been a victim of identity theft. This has resulted in the addition of unauthorized addresses to my report, which I did not authorize and which do not reflect my true residency history. This issue has led to considerable disruption in my life and presents ongoing risks to my financial security and privacy.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain the accuracy of consumer reports and take immediate action to correct inaccuracies. Section 611 of the FCRA, 15 U.S.C. 1681i, imposes an obligation on credit bureaus to investigate and remove information found to be inaccurate or unverifiable. Additionally, case law supports my request for these corrections. In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court affirmed that credit bureaus must go beyond simply re-verifying disputed information, instead requiring a reasonable investigation, particularly when the consumer has provided evidence of inaccuracies. This ruling clearly places a duty on credit bureaus to act with due diligence in investigating disputed items. 

Furthermore, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), it was determined that failing to reasonably investigate a consumer 's dispute is a violation of the FCRA, and consumers are entitled to legal recourse if credit bureaus neglect this responsibility. Your ongoing failure to address and remove these fraudulent addresses constitutes not only a violation of my rights but a disregard for your statutory obligations under the FCRA. 

If you do not comply with this request to delete the unauthorized addresses from my credit report, I am prepared to pursue legal action. Consumers have the right to hold credit bureaus accountable, as reaffirmed in XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court upheld significant penalties against credit bureaus for failing to maintain accurate records. 

I urge you to take immediate corrective action. Please provide confirmation of the removal of these fraudulent addresses from my report within 30 days of receipt of this letter. If this issue is not resolved, I will have no alternative but to seek legal remedies to ensure my rights under the FCRA are protected. 
The addresses to be deleted from my credit report are as follows : XXXX XXXX XXXX XXXX, Florida, XXXX and XXXX South XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2018-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Money sent to : Sent to XXXX XXXXXXXX EUR {$24.00} FeeXXXX EUR {$4.00} TotalXXXX EUR {$29.00} No product delivered. Would like full refund.
Consumer complaint received 2018-05-05
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. (FL)

I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors. 
Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I requested for XXXX and Experian to delete the Chapter XXXX and XXXX bankruptcies from my report. they told me that they got my information from the bankruptcy courts, but i have proof that it was not true. I then demanded that they remove this from my reports and they have yet to comply. I have given them months to rectify the situation and they have yet to comply. The courts sent their response back in XX/XX/year>.