davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OH)

I have been trying to negotiate a settlement with Navient to be removed as a cosignor. They continue to call me on my cell. They have found my direct phone number at work, and have actually gone as far as contacting my youngest daughter on her personal cell phone, who is not involved in any way shape or form with this loan. 
I am clearly being harassed!!!! 
I have clearly stated to them on multiple occasions to not call me, as I will never make another payment on my EX STEP DAUGHTERS loan. 
I have told them to mail everything, and please ... ... by all means ... ..take me to court. 
They just continue to call and harass and threaten me. 
Unless they are willing to negotiate a settlement, without asking for all of my private information, I will gladly meet them in court.
Consumer complaint received 2018-06-18
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. (TX)

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later  it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX XXXX According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (GA)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. 
In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. 
About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. 
Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) issued credit to me based on my spouses request without notifying me. I never condoned it, I never gave any information nor was contacted by XXXX XXXX XXXX or XXXXXXXX XXXX. 

I am concerned because 1 ) My credit was accessed without my persmission 2 ) Per XXXXXXXX XXXX ( XXXX ) ANYONE can be added by providing a name and date of birth and no confirmation needs to be given to the person. 

I am concerned because XXXXXXXX XXXX can not remove the inquiry or credit line from my credit report per my phone call with them.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

Received notice on my credit report of a new collection agency account from transworld opened in XX/XX/year> and reported in XX/XX/year>. They also have a name of XXXX XXXX on the collection information. Tried disputing account i have never had any dealings with this company made no payments to them, have no written information received from them and have never lived or dealt with them or with XXXXXXXX XXXX. I do know that this past year I have received notice from XXXX  and XXXX XXXX that my personal info with my ss number was leaked to the dark web and to hackers and scammers. I prefer all communication to be sent via usps mail.
Consumer complaint received 2020-06-30
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: Santander Consumer USA Holdings Inc. (IL)

Santander Consumer USA has recently settled in a multi state investigation about Santander 's subprime lending practices. Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to Santander about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this Santander account be deleted from my credit report immediately.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Today, XX/XX/XXXX, I went to Lowe 's to make a purchase with an understanding that I had $ 1500+/ {$2000.00} available credit, only to be declined at check-out. I called XXXX XXXX at the Lowe 's Customer Service desk only to be informed that on XX/XX/XXXX, they closed my account without any notification they were closing my account. I was informed by a XXXX XXXX representative that they closed my account due to a recent credit review. I informed the representative that my credit history/score is actually better/higher than when I first opened the account in XX/XX/XXXX. I informed the representative that the account closure was unwarranted and significantly dropped my score due to the closure. 
I have never been late on payments for this account or any other account I currently utilize. I do not generally carry a balance on credit accounts. Upon research, XXXX XXXX is notorious for these banking practices by closing account ( s ) without warning and without warrant of doing so. XXXX XXXX is utilized by multiple corporations by offering store credit cards and I will never utilize this bank for future credit offers by any store that uses this bank. I will continue to utilize my other reliable credit accounts to make all my purchases.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

ALL 3 bureaus are reporting differently on the this particular account which I reported as FRAUD.I HAVE NEVER HAD A STUDENT LOAN WITH US DEPT OF ED/XXXX ACCT # XXXX {$16000.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$5100.00} US DEPT OF ED/XXXX/XXXX  ACCT # XXXX {$3300.00} XXXX  IS REPORTING IT AS A CHARGE/OFF WITH LATE PAYMENTS EQUIFAX IS REPORTING IT AS ACTIVE ACCOUNT WITHOUT ANY ACTIVITY XXXX  FOUND THAT IT WAS FRAUDULENT AND DELETED THE ACCOUNT
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (NC)

Currently there is a credit card showing on my report for XXXX XXXX XXXX. This bank has reported to my credit reports that I have a {$350.00} charge off as well as MULTIPLE late payments throughout XXXX and XXXX. This account is not mine. 

When trying to resolve, I am told by customer service that I can not speak to anyone and get details on the account because my information ( aside from social and birthdate ) does not match the information on the account. I can't verify this information because it is not my information. This information includes mother 's maiden name and my address. 

Because I am unable to verify any information, I am unable to establish where this account came from or get any relief. 

I have even attempted to possibly pay the account, just to assist in fixing the information on my credit report. I am told that I can't pay over the phone but must send a payment via mail. This payment will need to include an account number that I do not have because they will not give it to me. Once they are able to find the correct account number to apply the payment ( after weeks of processing between mail and them finding the correct account ), they will then hold the payment for 2 weeks to make sure it " goes through ''. I am not given any option that allows for a timely resolution to the issue. 

They have given me NO options for resolving the actual damage to my credit report. They have offered the mailing of a fraud affidavit, which will include the request of account information that I DON'T have. This affidavit cant be sent any way but mail, and can only be returned by mail. This process alone can take weeks. From there, they can take weeks to " investigate ''. 

This is not allowing me a timely resolution. This account is fraud and needs to be suppressed accordingly until properly investigated. This account can not report on my credit bureaus if I can't even obtain account information due to fraudulent information given to set it up.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with XXXX XXXX  so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of XXXX.
Consumer complaint received 2018-06-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PA)

Underwent Foreclosure process back in XX/XX/XXXX and got a Loan modification under the Act 91, but due to other debt obligations ended up having to file Bankruptcy. During this course of Bankruptcy recently was discharged and I recently contacted DiTech ( partner with Green Tree Servicing LLC )  to request No Doc Loan Modification ( XX/XX/XXXX ) to enter into a new mortgage agreement and continuing paying in a timely fashion. But after continuing to contact them on a weekly/bi-weekly basis ... no one can provide details on my Loan Mod status ( called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). In the interim, I received Foreclosure papers in the mail that a Civil Compliant - Mortgage Foreclosure was filed by XXXX XXXX, Counsel ( XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) for Green Tree Servicing XXXX on XX/XX/XXXX ... which had the same exact documents filed from the original XX/XX/XXXX filing. 

They ignored my intention to undergo a Loan Modification and/or at least file with updated documents from current Loan and payments made ( from XX/XX/XXXX thru XX/XX/XXXX ).  Being in a much better position than in XX/XX/XXXX ( financial status and mindset ), and having made payments consistently through the Bankruptcy court system ... you'd think that they would prefer to re-enter into a new agreement, sale the loan and keep it moving ... instead of inducing all extra cost of filing for Foreclosure all over again. 

I am distraught, and all I am trying to do is regain a foot hold on my mortgage obligation and re-establish
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

XX/XX/XXXX, 2020-funds transferred to a XXXX XXXX in amount of {$500.00}, this was to purchase a XXXX. Upon transfer, I realized this person was a scam. Within 5 minutes, I knew this was a scam as the recipient of the money was no longer able to be contacted. I immediately called the " contact '' number on Venmo 's mobile site. The automated answer stated that due to covid there were no people available to answer phones and to leave a message. I decided to call XXXX XXXX bank and they were available to take my call and I placed a stop payment as the money transfer had not occurred yet. 

XX/XX/XXXX, 2020-receive email from Venmo stated that they " covered '' my funds transfer! I was also notified that my account was frozen. I then responded to email with the information that I had been scammed and was not aware that they would " cover '' my funds to pay a scammer. 

XX/XX/XXXX, XXXXreceive another email from an " account specialist '' stating that " it is in within my rights to dispute the payment with my bank '' ( ie stop payment ) but that I am still to reimburse Venmo. 

XX/XX/XXXX, XXXX-I responded to the XX/XX/XXXX email and received yet another email with " Do any of these articles answer your question? '' Which did not assist me in any way. 

XX/XX/XXXX, XXXX-I login to Venmo online chat service, no resolution. I have that printed transcript from that chat. I stated the issue, that the money sent should not have been sent due to the funds not being there and that they should not have sent on my behalf. 

Since the above dates, Venmo has continued to call me and harass me to pay them money that I do not owe as the person of interest is the scam artist and that they should try and find him. They have since continued to call me and harass me via phone and email. I also had a friend of mine transfer money to my Venmo account ( before I had the chance to tell her not to XXXX and Venmo has taken that money as well. 

The total amount due to me is {$140.00} ( XXXX from previous balance, XXXX for stop payment fee from bank, and XXXX from recent transfer from a friend ). Venmo can seek the XXXX from @ XXXX. If a consumer places a stop payment on their bank account tied to a virtual wallet, the company ( Venmo ) should maybe stop, and reach out to the person who has stopped payment and ask for a reason why to prevent this type of fraud from happening. The constant calls and emails is ridiculous and is harassment of a law abiding citizen who would not be in this predicament had Venmo contacted me to ask the reason for freezing the bank account transfer, but as I soon found out, calling their help line did not help.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TX)

On XX/XX/XXXX I filled out an online application with Big Picture Loans. The loan was for XXXX with a total monthly payment of XXXX for 10 months.I agreed to those terms.The true payment is XXXX for 26 months or XXXX for an XXXX loan.Once the loan funded I was able to see my truth in lending document which shows an interest rate on 697.09 % on an XXXX loan. I called the company on XX/XX/XXXX and was told that since the documents was already signed and money deposited that there was nothing I could do. I was told that they do not operate under US law and that they operate under Tribal law. They are now calling me daily. I explained to the representative that I will gladly pay back the XXXX however was told that XXXX would only cover the interest. Im at a loss of what to do.