davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to refinance my house and they discovered an account with XXXX for {$3200.00} that had been " charged off ''. 
I called the lender to say I had no idea what this was about. They did n't have my correct address, my correct phone, nor my email. ( and would n't tell me what they did have ). But they obviously had my name and SS #. 

There was never a payment made and I never received any attempt to contact me. They said the account was made online. They opened a fraud investigation ( supposedly ), but since the debt was sold, they would n't call the credit agency. I do n't even know who it was sold to! 

Anyway, I 've got a house being refinanced for {$560000.00} and a $ XXXX fake account is the difference between a $ XXXX/month payment and a $ XXXX/month payment. 

I submitted a dispute and XXXX took it off, but Transunion did n't. What can I do?
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (PA)

RE : 15 U.S. Code 1681g - Disclosures to consumers I am writing this complaint to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 
Currently NAVIENT is reporting XXXX charged off Signature Loans that were originally serviced by XXXX XXXX. I recently learned that XXXX loans are being reported for a school that I NEVER ATTENDED and from research discovered that does not exist. 

I have never attended any XXXX! 

School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2006 Original Principal {$3000.00} School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$7000.00}
Consumer complaint received 2016-08-07
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: URS Holding, LLC (AL)

My loans are in consolidation and ERS continues to harass me and apply charges to the loan that I should not have to pay since the loan has been in the consolidation process. I gave limited power of attorney to the consolidation company and ERS should be dealing with them not harassing me. They are trying to insist I deal with them directly repaying the loan. I wonder if they have refused to work with the consolidation company.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

When I orginally started my repayment process, i spoke to representatives over the phone asking about lowering my payments because i had other expenses building up. They told me that was the lowest monthly repayment option I had. So, i made sure to get way ahead my first year so I would not default. I knew i was changing jobs after my first 6 months at my position. I changed jobs midway through that first repayment year and started getting payed 15 % less. So the second repayment year was less of a financial burden. The third year i was late on 1 or 2 payments and they recommended i go under forebarance or i will default. I was not willing to pay more in the future so i told them i would not happen again, despite the fact I was moving to another city for a better financial opportunity. This was scary to think about at the time so i continued to repay during my transition period between cities with the little savings i had. I have paystubs, reciepts, and professional references of needed to show my past job date and times of hire. These are scare tactics utilized on those with little experience in loan repayments and looking back now, I had other options at my disposal but was limited to the information and resources i was presented with.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.
Consumer complaint received 2016-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education (OR)

I have been on an income-based repayment plan for my student loan for several years. Recently, my loan servicer, XXXX, sold my loan to XXXX XXXX sent my income-based repayment ( IBR ) application weeks AFTER they say it was due. They mailed it on XXXX XXXX, 2016, according to the date on their letter with the application. It arrived on XXXX XXXX, 2016. Their letter said the application had to be returned to them by XXXX XXXX, 2016 -- weeks BEFORE THEY SENT IT or I 'd have to start paying {$71.00} a month. 

I wrote a letter along with my IBR application, explaining that I could not send it in before they even mailed it to me. They ignored my letter and began billing me.Apparently, they wo n't process my IBR, although I have been in the program for years and should be paying {$0.00} based on my income. 

I can send you the letter, the application, and any other evidence. If you look at the XXXX XXXX you 'll see they are doing similar things to lots of other people who were on IBR and have been unfairly removed from it by XXXX. This outfit is a scam, preying on people who ca n't afford to fight them.
Consumer complaint received 2016-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have a Perkins Loan with XXXX University, serviced by ECSI. They charge a debit card 'convenience fee ' of {$5.00} on my monthly payment of {$100.00}. This amount is unreasonable.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I have disputed this XXXX CREDIT CARD ACCT. XXXX ... .. 
multiple times for changing inaccuracies.At this moment, the acct. is under dispute for missing the XXXX dollar minimum pymt. amount on the report, paid by me finally on XXXX/XXXX/XXXX. 
But the meat of the dispute is that the acct. contains fraudulent, illegal charges by the creditor from date of 1st delinquency until charge-off.The XX/XX/XXXX Credit Card ACT, which was fully implemented in XX/XX/XXXX limited by law the amount of late penalty fees, interest, over-the limit charges etc.This law substantially reduced my contract amounts charged to me.THE XXXX DOLLARS BALANCE AND CHARGEOFF AMOUNT ARE FRAUDULENT.THE AMOUNTS CALCULATED FROM MY DEFAULT ARE LEGALLY AND NOT MARGINALLY EXCESSIVE.THE PAYMENT HISTORY IS CORRECT, THE XXXX DOLLAR MIN PYMT NOT SHOWING IS CORRECT ... ..WITH THESE AMOUNTS, AND CONSIDERING THAT MY ACCT WAS CLOSE TO THE LIMIT BUT UNDER IT ... ..AND I WAS NOT OPTED -IN FOR OVER THE LIMIT ... XXXX IT IS VIRTUALLY IMPOSSIBLE TO ARRIVE AT A XXXX DOLLAR BALANCE WITHOUT MULTIPLE VIOLATIONS OF THE XX/XX/XXXX CREDIT CARD ACT.Experian either knowingly or negligently has colluded with a financial criminal and allowed the negative reporting to be used as an extortionate tool against me.Too many times Experian has allowed the verification of incomplete and inaccurate information on this acct.Unless Experian can prove duress ( XXXX threatens them ), Experian has no excuse for false incomplete, continuous verifications.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with this promotion.
Consumer complaint received 2016-04-15
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

I recieved a call stating that I had won XXXX XXXX XXXX XXXX dollars, from publisher clearing house. I needed to go right then an send money for the taxes, {$1000.00}, then it would be you need to pay {$1500.00} for storage, it kept on for 2 months before I was pawning everything, about to lose everything, owe everyone because I thought it was true, an they believed in me an then when I could n't give their money back, one wanted to serve papers on me, so now I have checks bouncing, so I get her part of her money. I ended up giving them XXXX dollars, i asked for a refund but that is not going to, happen.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-08-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SECURITY FINANCE CORP (TX)

Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising these inaccuracies multiple times and requesting thorough investigations, I have not yet received a resolution or corrective action. 

These erroneous accounts are severely damaging my credit and impacting my ability to live normally. The ongoing effects of these inaccuracies have led to significant hardships, and I am seeking your assistance to resolve this matter as quickly as possible. 

I kindly request a comprehensive investigation into each of the disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your support, I hope to restore the accuracy and integrity of my credit file and regain control over my financial situation. 

I urge you to prioritize this issue and take prompt action. Your cooperation in resolving this matter swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: TCF NATIONAL BANK (MN)

On XXXX XXXX 2016, my house was damaged by wind and hail. Because my mortgage is financed by TCF National Bank, the insurance company placed TCF and my name on a check for {$9000.00}. Assistant Vice President and Branch Lending Manager XXXX XXXX XXXX refuses to release the entire amount to me, even though I have provided all of the documentation he requested. Furthermore, when I spoke to him over the phone, he was EVERYTHING BUT HELPFUL ; he assume an arrogant, condescending, and patronizing tone and even had the gall to suggest that I was lying to him. It took a week to receive the checks to pay for materials and labor, and the checks amounted to {$600.00} short of the {$9000.00}.
Consumer complaint received 2016-12-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Ocwen Loan Servicing , LLC has had control of our HELOC since GMAC went out of business. 
With XXXX years left on the loan, they have multiplied the amount due each month by 800 % in addition to increasing the interest rate. That is bad enough, but we can live with that. However, the payments are due on the XXXX of each month, with a XXXX day grace period to pay. Because we are educators, our paychecks are direct deposited on the first of every month, so we schedule payments on the XXXX of each month. ( this is within their " grace '' period. But we still receive past due notices that are automatically generated on the first of every month. Ocwen states that they have " no provision '' to change the payment due date. This is ridiculous- credit card companies do this on a regular basis without a problem. As a result of their incompetence, our credit scores have been plummeting due to " lack of recent installment loan information. '' We make the payment that is due each month and we do so within the given time frame. This is yet another indication of Ocwen 's shady business practices.
Consumer complaint received 2016-07-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I have an installment loan with Cash Central. It was advertised to be like a payday loan with no credit check. I was in a financial bind and made a horrendous decision taking this loan. I am now in the trap of high interest and long term repayment. I am going to do my best to get this paid off in the next 90 days. 

My complaint is I was assured that as long as I was in good standing on repayment that it would n't be reported to the credit bureaus. Well, it has been. Now it shows as a debt and impacts my DTI due to the high payment. I am sickened by this. 

Do I have any recourse? They have me in a trap with the high payments & interest rate and are now destroying my credit rating all because I bought into their predatory advertising. I am so upset & dismayed with what to do.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: NAVY FEDERAL CREDIT UNION (IL)

There are over 6 payments from XX/XX/year> to current date that has been transferred into a Navy Federal checking account that is not mine and according to the NF is closed and charged off. 

I have currently XXXX that I also utilize for XXXX yet money is consistently being transferred into the the NF account. 

After speaking with a representative I was told that the savings account is active and money has been sent to that account yet when inquired at the bank abut he funds only {$100.00} is available. 

How is only {$100.00} available? What happened to the other funds. I have reached out to NF on several occasions in reference to this information yet they are telling me they can do whatever they want on a charge-off account. 

My experience in banking is that when there is a closed charged off account money usually mailed to the consumer. I was told that then money was redirected into the Savings yet that money was then taken from that account and applied to a charge off account? Under whos authorization? 

Now, with all that being said I have XXXXXXXX XXXX XXXX my current account how can you have XXXX with both. 

Navy Federal checking account status is what? 

Was this account deemed a loss? 

If so, what did you do with funds w/o authorization.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (TX)

This is now my second complaint against Equifax. They refuse to resolve this issue and delete inaccurate and misleading information off my credit reports despite me showing proof that this is misleading and that the debt collector did not validate the debt nor provide me proof of them legally owning the debt. 

Upon checking my credit reports with Equifax and in XX/XX/XXXX, I discovered a collection account had been placed under XXXX XXXX XXXX XXXX XXXX Looking the name up, I discovered this was a debt collector/debt buyer. I was never notified of this alleged debt by XXXX XXXX or XXXX, nor was I provided proof that it was mine. I contacted XXXX XXXX XXXX by mail on XX/XX/XXXX and requested validation of debt and that this be deleted from my credit report. XXXX failed provide me with the original purchase agreement that shows that they or XXXX XXXX legally own this alleged debt and that it is my debt. It was placed on my credit report and after receiving no validation On XX/XX/XXXX, I contacted the XXXX credit bureaus ( XXXX, XXXX XXXX and Equifax ) for removal of this misleading data. Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. I provided Equifax proof that I sent the collector a letter requesting the original purchase agreement of which they did not provide and that the collector did not remove it from my collections. After 30 days, Equifax did not provide me with a true explanation or investigation. They just said this item is verified with no proof that it is mine. 

XXXX XXXX has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because XXXX XXXX does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give XXXX XXXX  legal permissible purpose per FCRA. 

This is misleading data on my credit report ( s ) and Ive shown proof to Equifax and they did not remove it from my credit report.
Consumer complaint received 2024-09-01
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. (IN)

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc. XXXX Account # XX/XX/2024 XXXX, XX/XX/2024 {$640.00}, XX/XX/2024 XXXX has Violated my rights. 

15 u.s.c 1681 section 602A states I have the right of privacy.

15 u.s.c 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681 c ( a ). ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.