davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Sallie Mae/Navient consistently urged me to defer my loans for years, from XX/XX/XXXX-XX/XX/XXXX. They would call me at work and I would be rushed through the process of deferment and/or forebearance without any real description of what this meant. I've been locked into a criminal interest rate of 7.25 % for years. I've been repaying my loan on an IBR plan for at least 6 years now, paying back over {$12000.00}, yet my total debt keeps increasing - it's jumped from {$32000.00} to {$52000.00} and continues to rise, despite my monthly payments. It causes incredible amounts of stress in my life and is depressing. Feeling hopeless.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

My account with synchrony bank was paid by settlement in XX/XX/2017. The account is still being reported with a balance owed of {$610.00}. I have reached out multiple times to have this corrected and still has not been.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Account Management Resources (OK)

In XX/XX/XXXX I enrolled in several classes at XXXX. I ended up having to drop them due to being enrolled in another school, XXXX. The classes at XXXX are accelerated and it would not have made sense to be enrolled at XXXX. I had only enrolled at XXXX while I waited to see if I would be able to go back to XXXX as I am only about 28 hours from graduating with one of my degrees. 

In XX/XX/XXXX when I received the first notification of the debt, I again disputed it with the school and got nowhere. I received letters of debt notice from AMR. I was working for AMR sister company, XXXX, at the same time and as I was in the same building went and personally disputed the debt with XXXX. After I left XXXX, I received another notification of debt to XXXX from AMR and I called to dispute it again. 

Regardless, XXXX intercepted our ( my husband and I ) state tax return for XXXX   for the debt that is owed, a little over {$490.00}. I have been communicating with the bursar 's office since to no avail. Even the email that she sent regarding that I the school claims I didn't drop the one class for which they collected the debt, was not dropped by the due date though others were. 

I had a specific situation occurring, also, at the same time that these classes were dropped and I know that I dropped all of the classes. 2 classes by form and 2 were supposed to have been dropped online, though one didn't and that is the one that they collected for. My son, who was XXXX at the time, had to have comprehensive XXXX XXXX  the same week and his birthday is XX/XX/XXXX. I know what happened because as soon as I realized I couldn't drop the other class online, for whatever reason, I called about it. I also requested money back for a book I had purchased. AND I was in a XXXX  class, not the class they stated I didn't drop. 
I've spoken to the OK Tax Commission and they have said to work with the school. The school is requiring all of this personal information that I do not feel I should have to provide. 

This isn't the first time that this has happened. I am tired of it. I want my money back.
Consumer complaint received 2018-05-30
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (LA)

I filled a complaint a week ago pertaining to a Reverse Mortgage with AAG they responded with justication that didnt include pertinent information saying they did things according to HUD requirements they gave me estimate again and not actual!! Just No answers! Show me proof that they have tried to help me? Yes we have spoken many times but no resolution and why cant just one person walk or talk me though I am a Senior Citizen speaking to so many people asking for things and when u send it you speak to someone different and then they ask for something else how did they address my home being foreclose on before my husband was dead a year well simply more date days after anniversary of death to XX/XX/XXXX! Well again where is the help for Seniors and what shall I do about my Living arrangements with my XXXX XXXX XXXX  and It just confirmed I have XXXXXXXX XXXX in my The house Thur testing company! One of the people I spoke to told me that my cirstances were not the normal, therefore I expect more from any company that has program geared to seniors! That movie Star that advertise for this Company needs to drop them and take out the words that this program help Seniors because it hasnt helped me!!
Consumer complaint received 2018-05-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

This company repeatedly calls my job. This has been occurring for the past few months. Today they called asking to speak with my supervisor. They told the receptionist they were going to garnish my check if they did not speak with my supervisor. This company has also called family members and friends repeatedly asking questions about me. I have voice messages that they have left on family members phones as well as text messages from my family stating they have contacted them, I have asked them repeatedly on the phone and via email to stop contacting my friends and family and to stop calling my job everyday. However, they continue to do this. They have been calling several times per day to my job and to various family members. Today when they told my receptionist at work about garnishing me I have decided to seek help here to stop their horrific, unfair and illegal debt collection practices. This is now jeopardizing my position at work and needs to stop.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (OR)

I am unfortunate enough to have a mortgage through XXXX XXXX. They are very incompetent and dirty. I had my homeowners through XXXXXXXX XXXX and recently changed it to XXXX. I informed midland mortgage on XX/XX/XXXX that I was changing my carrier from XXXX to XXXX. I sent them the message, via email, with the new company and the new policy number. My old Policy did not expire until XX/XX/XXXX at XXXX, while my new policy became effective at XXXX on the XXXX. They never even read the email I sent to them. S now they are trying to make me pay for a {$1800.00} 3 month policy even though I have had homeowners insurance the whole month! They said I had to go to their website and update my policy, which I did, and it sent me to a third party site. I filled out all the information, but when I tried to submit the form, it would not do anything. it just sat there. It was not locked up because every time I clicked submit it went to the middle of the page. Once again, XXXXXXXX XXXX proves how incompetent they are.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, ACCT. NO. XXXX is reporting improperly, on Experian XXXX and XXXX credit bureaus.They are showing I owe a balance of XXXX after closing out a lease with payments made on time and in full.The problem stems from the dealer not updating XXXX XXXX online pay system when the dealer sold me on upgrading my lease to a newer car.The pay site had the old car but never did change when the upgraded car became mine.I had my family making the payment to the site as I was gone for 1.5 years.

Previously last XX/XX/XXXX.post dispute my credit reports said Paid and closed yet they left an extensive late history when the payment was never late.The errors are XXXX and the dealers but I should not have my credit history destroyed for their errors.I would like the account deleted from all credit bureaus.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for a Delta American Express card in XX/XX/2017 with an offer of a XXXX bonus point offer if I meet a minimum spend requirement within three months. I met the minimum spend requirement within three months. I had the account open for another three months after that. I never received the bonus. I followed up with American Express multiple times and they told me they will have to investigate the case. After six months of having the card I did not want the card anymore and closed it. Finally once I closed the card they told me the investigation has closed but they don't have a place to send the bonus due to my account being closed. They have my Delta account and can send it there as they always do but they told me I would need that card to be open.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GreenSky, LLC (MI)

In reply to Greensky letter of XX/XX/2018 CFPB Complant XXXX 1. The attached Completion Certificate is a forgery, my wife nor I did not sign it. They did not complete and still have not completed the repair of the ceiling in our home that one of their workers fell thought! It seems that Greensky forged our names for XXXX XXXX paid me back all the money that I sent them before the job was completed and the job is still not completed according to the contract with power Home remolding! It been OVER two ( 2 ) years!!!! 
2. The attach email is from the city of XXXX, stating that the roof has not been inspected in accordance with the city codes. SO the job is not completed according to the laws in XXXX! 
3. Greensky or XXXX XXXX remolding needs to be charged with forgery, for XXXX XXXX dose not have a copy of that Forged document that Green sky summated to you!!!!!! 
4. Also the CITY of XXXX NEEDED TO INSPECT THE JOB AND SIGH OFF ON IT,,, I am surprised that Greensky has not forged their names to a document yet! 
5. I do notknow abot the state of XXXX but XXXX state law and local laws state that a roofing job is not ccomplet UNTIL the city inspectors sign off on it!!!! So that forged document is not valeted!!!!
Consumer complaint received 2024-10-02
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: T.S. Holdings (GA)

To Whom it May Concern, My previous landlord XXXXXXXX at the XXXXXXXX in XXXX XXXX processed an eviction against me and upon me getting an attorney we settled on an agreement : the agreement stated that if I moved out of the unit by a certain date they would absolve me of all debts and dismiss the case and my attorney could file a motion to vacate the judgement. I relocated prior to the move out date and the case was dismissed, masked and vacated. Now the XXXX has pursued my credit through a company name XXXX XXXXXXXX XXXX. I tried to dispute this through the credit but the credit bureau validated the creditor, then I contacted my attorney and their attorney XXXX but the XXXX XXXX has not taken care of this matter and no one is helping to resolve this matter. I need some help to remove this from my credit.
Consumer complaint received 2023-05-07
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: Experian Information Solutions Inc. (TX)

I have no knowledge nor did I authorize/consent to the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Consumer complaint received 2018-05-31
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. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>> XX/XX/2016
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accelerated Financial Solutions, LLC (CT)

Today i went to apply for credit and was told I owed a balance to a company. I called the company and I was told it had been sold, I had to call 3 phone numbers before getting the correct company. I left a voice mail and received a return call. The woman stated she spoke to me on XX/XX/2018 and validated the debt and mailed me the documentation. I advised I did not recall the conversation however I have a lot of things going on. The woman gave several different company names which I never heard of. Sh than said XXXX and I told her I never purchased from XXXX. She said I purchased beds and had old ones removed. She game me a address and I explained I did not live there at the date she was providing. She also stated I paid in the store so that proved the debt was accurate. I advised anyone could have signed my name and she disconnected the call. I called the company back to make a complaint and I was told they would not speak to me any more that they were going to put it on my credit report.
Consumer complaint received 2024-11-05
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX  and they have no record of me or any accounts with my SSN. This is not my account!
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

I have reported this company calling my number to collect a debt not mine on separate occasions. I reported them on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I have no knowledge of the debt they are attempting to collect. Since I refuse to provide them with my personal information, they refuse rudely to give any information about the purpose of the call. I would like to believe that something legally can be done to stop them from calling my number repeatedly in a harassing manner. 

I would be willing to pursue any legal means that may be provided by your organization.
Consumer complaint received 2018-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Choice Mtg INC. (OK)

On Tuesday XX/XX/18 I had two pending charges from XXXX XXXX : {$72.00} for loan payment & {$25.00} for a late fee. I did not authorize them to take the payment from my account. I have sent two message to multiple employees and received no reply. The charges have since posted to my account. 
I do owe them the money but need to make arrangements. I am also considering filing bankruptcy which I notified them of in my first message.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zealandia Holding Company, Inc. (FL)

I was strong armed into buying a XXXX XXXX timeshare membership on XXXX2013. They wouldn't let me leave by trying to tell me other benefits to the membership. They mentioned that the timeshare maintenance wouldn't be more than {$1000.00} for the year that I use the timeshare, which I signed up for even years. Then they also mentioned that I would be able to give the timeshare back if I do not want it and the membership I was purchasing was from someone that did turn it in. I have tried to get to a resolution with the company but they said that I can not return the timeshare or change title until the loan is completely paid off. I haven't used the timeshare sine I purchased it due to none of the resorts being available thru the membership - but units at the resort were available online at hotels.com for cash. I only was able to exchange points. Plus the payments have to be automatically otherwise they said the interest rate would be higher, which I wasn't told when I purchased the timeshare. Plus the loan isn't even showing up on my credit, so I have no way to know how much is still outstanding.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

To whom it may concern : Fay Servicing LLC : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX.

Account number XXXX.

Due to a family hardship, in XX/XX/XXXX, we applied for a loan modification with Fay Servicing LLC. We were approved for a loan modification with trial period of three months and with the new monthly payment of {$3200.00} Fixed interest of 3.78 %. The modification took a long time to be written up and in the mean time we kept paying the {$3200.00} every month until finally in XX/XX/XXXX all parties signed the required paperwork for the Mod. Few days after signing the paperwork, the account manager XXXX XXXX XXXX of Fay Servicing, called and told us that we had over two thousand dollars in the suspense account and that we could use that money for the XX/XX/XXXX payment, so we only had to pay the difference which was {$1000.00}. Unfortunately, the payment for XX/XX/XXXXwas already processing and could not be stopped. So I called XXXX XXXX XXXX  and asked if I could use the money in the suspense for the next paymentXX/XX/XXXX. She replied yes certainly and so we agreed on that transaction. Unfortunately, when I received the XX/XX/XXXX statement I noticed that no payment was received for XX/XX/XXXX. I called XXXX XXXX XXXX and she could not explain what happened to the XXXX XXXX XXXX  and that she thought the suspense money had been applied to the principal. We were very angry as we do not have any more money and we were never advised or asked if it was OK and the Modification paperwork did not state anything like that. We tried to get Fay servicing to fix this but they want us to agree to a repayment plan or stay behind a month on our mortgage which show us delinquent of 30 day. So after all this work to be honest and pay our mortgage Fay Servicing put us right back in the same hardship pre-modification. As an unemployed XXXX Veteran I am on a tight budget and a I can not afford. It is ashamed that Fay Servicing LLC develops these plots to force people out of their homes and make money for their clients such as XXXX who actually owns the note. Please help!