davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CT)

My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set back.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : The right to privacy.

15 U.S.C 1681 Section 604 A : A consumer reporting agency can not furnish an account without my writing instructions.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am a XXXX, and I have XXXX for 14 years. When the PSLF program rolled out, we had a brief information session, so I learned about it about 10 years ago. 
I contacted my loan provider, at the time, I paid XXXX XXXX. I contacted XXXX XXXX and told them that I wanted to take advantage of the PSLF, and I was told that I had to make payments for 10 years. I continued to check periodically by calling XXXX XXXX. I trusted the company and never took notes of who I talked to or anything. 
Anyways, in 2017 I found out that my loan servicer was Navient. I contacted Navient, and I was told that they had no records of my loans. Then after about a week of calling, my loans were found, and I was told that there was no record that I was trying to take advantage of the PSLF. Therefore, all payments made did not count towards the program. I was told that if I wanted to take advantage of the program, I had to consolidate my loans and start over on payments towards the program. 

Basically, I trusted the system, and I feel like I attempted to do the correct process, and because Navient did not have records written, I have to start over on the process. This is not fair. I feel like I should have been directed better 10 years ago about my wrongdoing instead of now telling me that - just kidding, you do n't qualify because you did not fill out paperwork. At this point, I think Navient should consult/advice their clients better, and I think Navient should take responsibility for giving incorrect and/or insufficient information.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

Date XX/XX/XXXX, amount {$30.00}, 1 late payment reported on account by Wells Fargo, account has been opened since XX/XX/XXXX, and have asked for the one late payment to be removed and it is not removed yet.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. ()

I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (PA)

In XXXX 2017, TJX Rewards sent me a new store card that I activated to replace my old store card. I thought it was the same card - only usable at TJMaxx and its partner store. I tried over the past month to log in to my account to check and pay my balance but the card was not listed on my account and it said my old card had expired. 

I learned today after talking to customer service : the new card they sent is actually a XXXX that can be used in other stores like supermarkets. I imagine this is now on my credit report. It was misleading to send me a XXXX I did not ask for, since it was disguised as a store card. I do not want my credit report to show that I am opening new credit cards. 

I would like to close the account, but I worry that will affect my credit score. I also suspect that account managers and executives at TJX receive kickbacks for opening XXXX  under the TJX logo, similar to the XXXX XXXX XXXX situation last year.
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, my son received a call from a creditor asking for someone else. I answered the phone at around XXXX XXXX and it was XXXX XXXX calling for some woman. I informed them that this was not her number but that of my son. I told them to change the number to reflect that it was not her number anymore. Then I received a call from XXXX XXXX again at XXXX XXXX asking again for the same person. I told them that again to change the number for this is not the woman 's phone number and that I would be filing a complaint against them.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Navient is my loan servicing company and I submitted an application for a renewal of the IBR plan I was on on XX/XX/XXXX. I received notification on XX/XX/XXXX that Navient received my application. On XX/XX/XXXX I received notification from Navient that they needed a letter for my spouses income. The letter from Navient states if you dont have this income documentation then you can provide a signed statement explaining the income. I provided this documentation as my spouse is a XXXX XXXX XXXX or self employed. That is the last communication I have received from NAVIENT!. I called them today XX/XX/XXXX and I was informed that 1. No one at Navient has looked at my IBR APPLICATION since XX/XX/XXXX, 2. I was told that we no longer qualify for IBR because my wife was making less money then in previous years. UHHH???? And they will not accept the letter I sent in because that is only for self-employed individuals. Form XXXX is a tax form that reports the year-end summary of all non-employee compensation. The XXXX form covers rent, royalties, self-employment and XXXX XXXX income, crop insurance proceeds and several other kinds of miscellaneous income. The explanation for them not sending me anything for over 10weeks about my application was that the documentation come in on different days. WHAT? Navient is the worst.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

Paid mortgage in full on XX/XX/XXXX and have not received escrow refund. Mortgage ( ditech ) company has told me I have to wait another 30 days. The mortgage company has stated that the check was processed on XX/XX/XXXX and would not discuss taking any actions until the 30 days expires.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.
Consumer complaint received 2018-01-17
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. (MS)

On XX/XX/XXXX I mailed a certified letter for disputes in to Equifax along with a copy of my drivers license and social security card as proof of identity. I also mailed a copy of my complaint filed with the Federal Trade Commission. On XX/XX/XXXX I called Equifax to get an updated status of my disputes. I spoke with a representative by the name of XXXX, after telling the rep the reason for my call she initially pretended as if the company did not receive my letters. After stating that everything was sent certified mail and that it has been confirmed that the company has indeed received my documentation the representative stated that the inquiries were factual. I asked the rep what documentation has been provided to confirm that the inquiries were done on my behalf as well as asked that verification be sent to me. The representative stated that I could not be provided the information. I stated that according to FCRA law I have the right to know what is being reported on my credit file as well as any validation or verification. I stated that my disputes should be investigated under the provisions of the FCRA, 15 USC 1681li. The representative then stated that she could not help me and that I would need to be transferred to another department. I asked the representative if all detail information was included in my written letter how is it that I now needed to be transferred after asking for documentation that she claims are factual. I asked the representative for her name again for my reference and she replied that her name was XXXX which was not the name that she gave at the beginning of the call. The representative was very rude and ugly with trying to help me with this matter. Not only was this very unprofessional but it makes the company look bad as a whole. 

The inquiries that were included in the letter are as followed : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-01-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank offered a hurricane relief plan for there customers a 90 day plan to put the payments at the end of my loan. But instead they ask for all 90 day payment in full or I would be put in default of my loan .Sent me letters asking for the payment added late charges every month on my statement. They was to help me and I feel that they did not.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (TX)

I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX  about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they  could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.
Consumer complaint received 2018-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I receive several calls a day from XXXX for no reason. XXXX reveals that they call people several times a day to harass them about collections. My phone is setup to reject their calls by allowing only a single ring so I never talk to them. Even so I get several calls a day 7 days a week. As for collections, my credit is perfect with no reason to be getting any calls from collection agencies such as XXXX. 

Any help with stopping such calls would be appreciated. 

XXXX XXXX
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

on XX/XX/XXXX I was the victim of fraud against a line of credit attached to my credit card with Bank of America. The amount was sizable.. {$21000.00}. 
on XX/XX/XXXX about noon time est, my cell phone went dead for about an hour ( no service ). 
During this time it appears my phone number was ported over to an unknown person or persons who used it to start a transaction to transfer the money to another account that they referred to only as XXXX XXXX XXXX. 
I have phone records showing unusual activity on my phone during the time that the number was not in my possession. The carrier corrected the porting and my service was restored. 
The company ( BOA ) continues to deny my claim and is now looking for me to repay. 
I have filed a police report, placed fraud alerts with the XXXX credit bureaus and have filed a report with the FTC. My credit has been negatively impacted from this event. 
Thank you in advance for help you could give me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX University and I was approved 100 % - full loan discharge since XX/XX/XXXX. 1/2 of my loans were discharged but the other 1/2 XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have called Navient through the years trying to negotiate settlement or repayment options. I had a XXXX loan which is now XXXX due to them never working with me. If I said I could only do XXXXmonth that was never acceptable. It always went into forebearance. I am about to his collections with them and need to try and stop it. Please help!!!!!
Consumer complaint received 2018-01-17
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. (FL)

I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
XXXX reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JNR Adjustment Company, Inc (OH)

I sent them ( JNR XXXX ) a letter telling them to stop contacting me. They ignored my request and continue their collection attempts. 

Also, there is no debt. All my bills are paid in full, including the one they claim is unpaid.
Consumer complaint received 2018-01-17
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: EQUIFAX, INC. (VA)

On XX/XX/XXXX I filed a dispute requesting validation and asked for conformation on how the bankruptcy information was verified. On XX/XX/XXXX I received an email from Equifax stating my dispute was completed. The letter stated they verified the bankruptcy information through there third party vendor XXXX XXXX. I have a letter from XXXX XXXX stating my bankruptcy information was deleted from my report with them. I called Equifax XX/XX/XXXX spoke with a representative and asked how my information was verified with XXXX XXXX when that information was not in their system the rep stated they dont use XXXX XXXX and said they verify through the courts, I then asked if they called the courts, went to the court house and asked for who they verified the information with, the rep stated she cant tell me, I asked for a supervisor, I then spoke with XXXX who state the courts sends them the information electronically I then asked why my letter stated they verified it through XXXX XXXX the supervisor could not explain why he was giving me different information.