davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (VA)

I contacted my mortgage company on XX/XX/XXXX regarding what options I had to apply for Home Assistance programs to assist me in resolving my back payments. The back payments were a result of being XXXX. I expressed all of this to the agent I spoke with and she offered to send me a package that needed to be returned by XX/XX/XXXX. On XX/XX/XXXX. I received a letter from PHH Mortgage and my " case manager '', XXXX XXXX, still expressing an interest in helping me. On the same day, I received a letter from a foreclosure Attorney stating my home if being put up for a Trustee Sale on XX/XX/XXXX. I called PHH today, XX/XX/XXXX, and was told that I can not stop the foreclosure unless I pay the past amounts and that the package is no good. How can this be if the paperwork clearly states that I have until XX/XX/XXXX to turn it in??? This is another example of Mortgage companies lying to customers and to avoid helping them and ruining their lives
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MD)

l, the consumer and natural person, was denied credit by GOLDMAN SACHS BANK USA when I applied for an APPLECARD on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 88 Stat. 1522 [ 15 usc 1691c ] and is pursuant to civil liability under 91 Stat. 881 [ 15 usc 1692k ]. I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. GOLDMAN SACHS BANK USA is in violation of 84 Stat. 1126 [ 15 usc 1642 ], 84 Stat. 1133 [ 15 usc1681m ] and 12 cfr 1002 because l, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of GOLDMAN SACHS BANK USA and is in violation of 84 Stat. 1126 [ 15 usc 1602 ( p ) ].
Consumer complaint received 2023-02-09
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. (PA)

I been going back in fourth with all 3 credit company, for years now how my info was stolen back in XXXX of XXXX. And multiple accounts and banks account was open from somone. And also I called to have my birthday change on Equifax they have my birthday set as XXXX witch I was born in XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

Navient charged me interest in the 12 months I was on military XXXX, when it CLEARLY states on their website the following : 0 % Interest / Military No-Interest Accrual Benefit You may be eligible for the Military No-Interest Accrual ( MNIA ) benefit while you are XXXX that qualifies you for special pay under 37 U.S.C. 310 ( " XXXX XXXX XXXX '' ). During MNIA XXXX XXXX, you 're eligible for 0 % interest on your Direct Loans for up to 60 months. 

This benefit is only available for Direct Loans, disbursed on or after XX/XX/2008. For Direct Consolidation Loans, this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after XX/XX/2008. 

They also ignored any attempt I made to put my loans in deferment due to financial income purposes when I was struggling to find a job.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (UT)

I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )
Consumer complaint received 2023-02-10
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. (MD)

To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Experian as the inaccurate account has been verified and updated from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the individual say? If they do not have a specific individual being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Experian would have to delete this account from my consumer report. Since the their of verification is not factual then I want " US DEPT OF EDXXXX '' DELETED FROM MY CONSUMER REPORT,
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, CMREFinance # XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to 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 1681c. ( 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I put a claim in on XX/XX/2022 against fraud and unauthorized online banking transactions I was incarcerated and a person had my bank info and using my account to make online XXXX transactions to there bank account from my bank account. I never authorized for the money to be taking out of my account. The person took over XXXX dollars out of my bank account. Wells Fargo granted and approved the claims and some they didnt. I been calling Wells Fargo since XXXX making complaints and they still have not sent me my claims check from XXXX that they claimed was mailed to my address. The customer service representatives hang up in my face, putting reports into my file I never said or mentioned. I even called the head quarter and spoke with a specialist that has not returned my calls from XXXX. I left voice mails no returned calls. Ive been to bank branches. They are giving me the runs around. They had me on the line for XXXX hours transferring me to departments that had nothing to do with my claim and the amount of money that was supposed to be mailed out its been almost XXXX months. No money had came to my mail box and they are mis informing me every time I call and inform them of the matters
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had 2 secured cards with XXXXXXXX XXXX XXXX. One was a platinum card and the other was a primor card. The cards where paid off when I call to close the accounts. You have to forgive me my date of calling I dont remember since I suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im back on my feet now and trying to clear up all loss ends and working on paying down debt. When I called customer service for both calls I was told the balance in the security deposit would be applied to the card balance and would be closed. You could never exceed the limit on the cards like if you went to a gas station. You could never pay at the pump you always had to go inside and tell them how much you wanted and they would charge you to the card they would not just automatically approve it either pump for any amount. 

Since the payoff green dot bank is showing both cards charged off with a balance. This is a violation of the FCRA and demanding that both accounts be removed from all credit bureaus. 

No balance should be due as the security deposit was taken out and applied to close the account theyre reporting the account as a charge off with a balance due and also late payments after I called.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient encouraged me to defer my loans. They are reporting late payments and will not remove them from my credit report, although I have never made ANY payments to my account. My loans are still deferred, 6 years later, due to unemployment. I have a XXXX credit score because of this.
Consumer complaint received 2023-02-10
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (FL)

I got my car through a Santander Loan on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through XXXX XXXX XXXX with the Original credit name of ( Santander Consumer USA ). Santander was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
Consumer complaint received 2023-02-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
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. (GA)

I am expanding my business and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XXXX/XXXX/23. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.
Consumer complaint received 2023-02-10
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. (IN)

I have unauthorized inquiries and a fraudulent account on my credit report. Inquiries XXXX, XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Complaint XXXX  and XXXX  to XXXX and PennyMac XXXX XXXX XXXX On XX/XX/2016 I entered into securities transaction with undisclosed to me XXXX XXXX  who was acting via chain of sham XXXX XXXX XXXX XXXX who acted under name of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX which was renamed by XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX registered by XXXX XXXX as a single member LLC Another undisclosed to me part was originator XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whom actor for hire XXXX XXXX, XXXX forwarded my information via secured website MSP I did not know anything about XXXX involvement as a services or its fictitious company XXXX or originator XXXX XXXX  As the result of this deception I signed promise to pay XXXX and mortgage to give XXXX access to my property as a collateral On XX/XX/2016 XXXX servicing hired XXXX XXXX XXXX XXXX XXXX to send me letter on XXXX  letterhead informing that XXXX dab XXXX  is my new serviced and directed me to send money to XXXX XXXX in XXXX TX XXXX XXXX where my money were collected and processed by XXXX, XXXX owned by XXXX XXXX, XXXX who deposited my money with XXXX  XXXX XXXX, owner of XXXX XXXX XXXX and XXXX XXXX who is a the 100 % owner of fictitious corporation PennyMac XXXX XXXX, XXXX incorporated as a separate entity by XXXX XXXX as a single member LLC On XXXX XXXX XXXX sent me a letter that my loan was transferred to XXXX XXXX dba PennyMac XXXX XXXX XXXX I started receiving letters and billing statements from XXXX, XXXX on XXXX XXXX company letterheads directing me to mail payments to the same post office in XXXX Tx where my money were collected and processed by XXXX without any references to XXXX XXXX XXXX XXXX to mention, PennyMac XXXX XXXX  XXXX co XXXX who fully own XXXX XXXX PennyMac is owned by hedge funds XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX died, but XXXX continued to demand from me money on his behalf On XXXX XXXX XXXX XXXX managed to initiate foreclosure in my home When I offereda total payoff for my alleged loan, XXXX XXXX directed me to send my full payment to XXXX XXXX XXXX in the account which routing number belongs to XXXX XXXX  XXXX XXXX, and without any return address to PennyMac XXXX services XXXX except a XXXX  XXXX rented by XXXX In XXXX XXXX XXXX XXXX hired lawyer XXXX XXXX who submitted claim in his behalf I want to clarify how XXXX XXXX XXXX issued directions to chase and how lawyer XXXX is going to deliver him my money? 

I found an alternative financing and want to pay my alleged debt in full if XXXX XXXX will provide me warranty of ownership of my alleged debt signed by an individual officer who can verify this ownership and give me a copy of account receivable from PennyMac loan services , LLC
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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