davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Hello, First, I received a letter dated XX/XX/XXXX from my student loan lender, Navient, stating that my Income-Driven Repayment Plan had been approved. Then, I received a letter dated XX/XX/XXXX stating that I had been granted an in-school deferment until XX/XX/XXXX. Then I received yet another letter dated XX/XX/XXXX stating that they had updated my payment schedule. One payment of {$0.00} is due on XX/XX/XXXX. Then, 131 payments of {$300.00} beginning XX/XX/XXXX. This directly violates the terms of the IDR or deferment agreement and contradicts the IDR payment plan that I was on ( {$0.00} a month because I don't have taxable income ) or my deferment plan which is not due until XX/XX/XXXX. I don't know which plan I am on now, and they have refused to clarify this information when I have called them.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.
Consumer complaint received 2018-03-30
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: Credit Plus Inc (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXXwith a report number # XXXX   for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX   Email : XXXX XXXX
Consumer complaint received 2018-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I've been disputing with the credit bureaus ( XXXX, Trans Union ) and the furnisher ( XXXX XXXX XXXX ) since XX/XX/XXXX, and as recently as XX/XX/XXXX& XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnisher physical evidence that this account was paid in full to the original creditor as " XXXX XXXX XXXX '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnisher ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXX XXXX certified mail to their Indiana office with information identifying myself, account #, and the release " XXXX XXXX XXXX ''. They said my letter was illegible ( when I typed it ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. They referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. I've submitted my fourth dispute with XXXX  onXX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an XXXX   representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, XXXX, Trans Union, the certified release, a response from one of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.
Consumer complaint received 2018-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, TRANS UNION & XXXX credit reports. XXXX, TRANS UNION & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, TRANS UNION & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX TRANS UNION Reported Late Payments : 1 ) XX/XX/2016 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 )XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Consumer complaint received 2018-04-02
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. (WA)

I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with XXXX. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with XXXX. It's been over 30 days and there are still accounts that haven't come off.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (VA)

An account was opened without my knowledge by my now ex-wife. Upon divorce the joint account that was paying the card was closed which resulted in the card no longer being paid. As a result the card had a missed payment that showed up on my credit report. I immediately paid all fees for the account but Chase will not remove the late payment from my credit report. I had no way of knowing about this account. I did not open it. I should not have a late payment reflected on my credit report for an account that I did not know about. Chase states that I should have known about the account because it was open for a long time and statements were sent to where I was living. I did not get the mail. My ex-wife received all mail because she was a stay at home mom while I was at work. Also, Chase did not have my address at the time of the late payment. I had no way of knowing a payment was due. I tried to call multiple times to take care of this and each time was told that the late payment report was accurate and that I should have know about the account. They said it was not a bank error to allow an account to be opened by a wife in the name of a husband.
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TN)

Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

THANK you!
Consumer complaint received 2018-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX  or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (PA)

I paid Ameritech both upfront and monthly charges to assist in servicing my educational loans. The monthly fee of {$99.00} was for " educational services '' which I never used and was under the impression that I was required to pay.. Upon learning of the FTC 's suit against Ameritech ( FTC Matter/File Number:XXXX XXXX, Civil Action Number : XXXX ) I cancelled my account and requested refund of the $ XXXX/month fee which began in XXXX of XXXX and continued until XXXX of XXXX. Ameritech denied my request and noted that Ameritech had counter-sued the FTC. I believe that this money should be refunded.
Consumer complaint received 2024-10-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2018-03-30
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. (FL)

For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( XXXX. EXQUIFAX. XXXX  ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on Equifax went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and Equifax put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call Equifax about my credit? Now Equifax has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great Equifax who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX  well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness
Consumer complaint received 2018-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX/2015 XXXX XXXX XXXX  appeared on my credit report with a balance of {$870.00} I am disputing this item. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA