davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (SC)

In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I have two private loans with Navient. 1st : Amount : XXXX -date account opened : XX/XX/XXXX -original loan amount : XXXX 2nd : Amount : XXXX -date account opened : XX/XX/XXXX -Original loan amount : XXXX I have tried talking to them, to possibly get my minimum payment down on each private loan. They have only offered me a minimum of XXXX on EACH loan, total XXXX a month ( as that is the lowest they will go ) and another Option they asked, " is there a family member you can borrow from and we can settle on both of these accounts for XXXX ''. REALLY ... No, My family does n't have XXXX laying around to help ( unfortunately, especially since my father is a retired-veteran from the XXXX XXXX ). I will be able to send a copy of my father 's XXXX doc from the service. I have been making Payments of what I can of XXXX a month on each loan ( I have attached multiple docs/pictures of everything listed ). They have been hitting my credit report Twice .... each month for the past year. I 'm a working mother of XXXX childern and I will never be able to purchase a home if this continues. I feel like I 'm at a dead end. Every payment that shows on my account only pays for my " fees '' and/or interest. They clearly seen that I have filed forbearance on these, multiple times. Not to mention I consolidated my Federal Loans and switched to XXXX XXXX ( extememly helpful ), as XXXX XXXX helped me on an income repayment plan, which I qualify for XXXX a month ( attached is proof of reduced repayment plan from XXXX XXXX ) as I have XXXX children, and XXXX of my children is active in college.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (TX)

XXXX, XXXX in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XX/XX/XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XX/XX/XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that XXXX the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (SD)

I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

I have a big problem with chase bank I opened a college checking account with them and it 's been years since the problem has been fixed I 'm a victim of identity theft and my information was stolen and fraud happened to me there where checks and money taken off of my account and I reported everything and tried to resolve everything so my account could be fixed but was told that I had to just pay the money I disputed it and it was denied I just recently found out it was denied because they said I had my card when fraud happened which is not true it 's been so long so I ca n't file a police report and they wo n't pull up any cameras from where the money was taken off at to prove it was n't me and at the time there was a gas purchase I did n't even own a vechile at that time so how would I be the one who did the transactions I complained and spoke to a lot of people and honestly it 's been a waste of time I 'm in the process in filing a dispute with a outside consumer agency chase bank gave me the worst experience in a lifetime
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.
Consumer complaint received 2017-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NV)

I received an alert from my credit bureau saying tha t JC Penny Synchrony Bank reduced my credit limit from {$2300.00} to {$1000.00}. I called the company and  was told to call the credit bureau because they are the ones that reduced my credit limit. I had a  XXXX  balance on the account and I had  a higher credit score now versus whe n I actually applied for the card. There had not been much activity on the card by my own choice. There was no reason to reduce it. I have closed the card as the representative I spoke to was so rude to me. I do n't think the bank should be able to get away with treating the customers like that.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

duty pursuant to the FCRA, it is EXPERIAN 'S to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account closed XX/XX/XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-08-14
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. (CA)

On XX/XX/2024 I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my XXXX XXXX. See copy of email below. 

XXXX logo XX/XX/2024 Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. XXXX of these sites passed us your request from your search on XX/XX/2024. Important : Checking for loan offers did not affect your XXXX XXXX. 
We understand how important it XXXX be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( XXXX ) we are unable to provide you an offer : Insufficient recent bank/national revolving info. 
Number of revolving accounts XXXX on accounts
Consumer complaint received 2017-06-30
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. (NJ)

The credit bureau does not want to remove a  XXXX  account on my credit that is not mine. I have never had an account with  XXXX  and I know I have no unpaid debts with them. I have called  XXXX  and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to  XXXX  in the past and   XXXX   promptly deleted the account in  XXXX  once they verified it was not my account. How can there be different results between  XXXX  and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching   XXXX   XXXX   investigation results also showing the account was deleted. The account number is  XXXX  and the balance is {$54.00}.
Consumer complaint received 2017-07-15
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. (ND)

I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX
Consumer complaint received 2016-02-13
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO. (KY)

At XXXX XXXX on Wednesday, XXXX XXXX, 2016, I received a phone call from phone number ( XXXX ) XXXX. No one talked on this call, but when I said, " hello, hello, is anyone there ... '' the caller disconnected the line. Three hours later, at around XXXX XXXX, I received a knock on the door from a gentleman asking for my mom ( who does not live with me ), as well as if I were her son. ( I had co-signed on her auto loan. ) He asked if she had a XXXX XXXX car, and where she lived. I gave him this information, thinking that he was simply wanting to service her car, or perhaps do repair work. He also asked for her phone number, which I did not give. When I asked who he was with, he responded " XXXX XXXX. '' Again, I did not suspect that this was a collection agency company, but simply suspected that it was a service company looking for my mom to help her with her oil changes, repairs, etc. He did NOT, XXXX, state that he was attempting to collect a debt, and that he was with a debt collection company! I later did a XXXX search of " XXXX XXXX '' and found that it was a DEBT COLLECTION RECOVERY company!
Consumer complaint received 2017-06-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Care, LLC (AL)

This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
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Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been keeping close check on my credit and have noticed more inquiries and i have not been looking for credit. The only inquiry that should be on my report is target. Anything else was done without my permission and is not valid.
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WA)

We have short sale approval with US Bank that was good through XX/XX/XXXX. I found out that the buyer 's needed to receive their first month social security deposit to meet a funding condition and would not be able to close until XX/XX/XXXX. I was told by the negotiator on XX/XX/XXXX that the extension through XX/XX/XXXX would be allowed. However, I found out yesterday that he can not issue the extension because the foreclosure date is set for XX/XX/XXXX and US Bank is refusing to postpone the sale date. The buyers are already DEEPLY invested with the closing process include spent hundreds of dollars on appraisal and inspection and US Bank is being completely unreasonable especially after the fact they said an extension though XX/XX/XXXX would be allowed.
Consumer complaint received 2016-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SIMM Associates, Inc. (MI)

A collector of a private loan thru XXXX XXXX XXXX has been harassing me at work, calling family members and refuses to stop after I told them of my rights. SIMM Assiciates is the collection company. I refuse to speak with them any further. They have no interest in what I can afford, only what is expected.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. ( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. <P/>Equifax continues to list the dismissed bankruptcy on my credit file. Equifax 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (TN)

On Tuesday I closed my card due to fraud. The told me I would have a new card expedited since I was leaving town. And it would be there by Thursday. Gave the address to ship to they did n't change it. Called XXXX to confirm everything was done and it was n't. They changed it said I would get it Thurs and nothing. Calles Thursday said it would be there Friday. Friday morning they say nothing had been shipped and then a different person said it had. Now it 's XXXX on Friday nigjt and nothing. No tracking number no nothing. Cadence bank fraud department is a fraud themselves. Never use them And someone needs to do something about their communication issues and the liea they tell their customers. They claim they will do whatever for the customer but they are all full of shit. This was the entire week of XXXX XXXX.
<P/>
They claim now they will ship one to the beach and a new card has to be made ans I wo n't get it until weds. So now this issue will be going on a week.
<P/>
I will be canceling my card and tell the whole world including all the senators and politicians I have done business with never to use the services.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. OnXX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>
I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX