davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (AL)

XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid Santander over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from XXXX XXXX. I really thought it was a scam, until I finaly contacted Santander. I contacted XXXX XXXX, and proceeded to make monthly payments, which began in XXXX XXXX. XXXX XXXX, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being Santander for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted XXXX XXXX, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that Santander is now reporting the same account as a new account for collections.
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KS)

I want to file a complaint about XXXX XXXX XXXX XXXX and the XXXX regarding misleading information about the school/program/financial expectations and placement. I feel I was mislead about the whole program and now as a result I am financially in hardship with the expectation to repay a loan that has grown to almost $ 190K due to defaults/forbearance. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I was eagerly pushed into starting right away as I was assured that if I did n't the odds of me getting in were slim to none, then I was told the financial costs were far less than what they actually turned out to be ( which is unaffordable ), then on top of it all the school turned out to be unaccredited ( which they knew was going to be the case at the time of my enrollment, yet they continued to lead me to believe it was credited. NOW I am almost $ 200K in debt for a loan and a worthless degree. I have had to resort to taking a job outside of my training and have been left in financial hardship. Constantly struggling, robbing peter to pay paul. This burden has been so hard on me and my family. I have been on a rate reduction program with Navient for almost 7-8 years and can barely make those payments. My family struggles from month to month! I need help to get this loan forgiven. I pray you investigate the XXXX along with XXXX XXXX XXXX XXXX ( which is now closed as of XX/XX/XXXX ). I need someone to help me along with many of my fellow ex students from XXXX. There are hundreds and hundreds of us in the same boat! I do hope there is something that can be done, and very much look forward to hearing back from someone regarding this complaint!
Consumer complaint received 2017-06-28
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. (GA)

I 'm complaining about Credit bureau Experian. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and every time someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Experian about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, and XXXX XXXX XXXX/XXXX/XXXX XXXX. Second dispute with Experian was one public records ( bankruptcies ) on my credit report. I spoke with a  customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the one public record again with Experian and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer  service rep and he stated that Experian never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Experian, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Experian need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, XXXX, cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local XXXX XXXX ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I have been working with Ocwen for months trying to do a short sale on my home. I have been seeking a mortgage resolution for years with Ocwen. I have a letter form Ocwen dated XXXX/XXXX/XXXX suggesting that I seek a sale price of {$50000.00}. On XXXX/XXXX/XXXX, I received an offer from a buyer to purchase the house for {$60000.00} which is {$600.00} more than the suggested price. On XXXX/XXXX/XXXX, I received an email form Ocwen 's lawyer that they were foreclosing on my home and I had n't even received a reason why the short sale was denied. This seems to be an abuse of authority and an unlawful practice. The short sale should have been accepted leading to a positive resolution for both parties. I feel like I was given the runaround just so Ocwen could foreclose while I was distracted with the mortgage resolution process. I feel like I was taken advantage of. The lawyer, XXXX XXXX, asked me to sign a consent judgement so they can just foreclose on my home without proving me with an explanation as to why I could not do a deed-in-lieu or a short sale agreement.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

SinceXX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full inXX/XX/XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes betweenXX/XX/XXXXto XX/XX/XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced inXX/XX/XXXX is a clear violations of the FCRA.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

CFPB Case XXXX is still in process since XXXX of XXXX - last status is that responses are due withing 60 days of XX/XX/XXXX it is now XX/XX/XXXX and the response is late, what is CFPB doing to hold XXXX XXXX responsible for resolution?
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (IL)

Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

On  two occa sions this year, once in  XXXX  and once in  XXXX  I contacted  Convergent Outsourcing to remove a debt from my credit file. I have never entered i nto a contract with Convergent so therefore by law they are not legally allowed to report to my credit report or attempt to collect on a debt.   XXXX   Convergent has since contacted me twice and stated they have verified my debt. But still no signed contr act between the parties. What they did send was a copy of a bill from  XXXX  therefore not validating the debt.
Consumer complaint received 2017-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.
Consumer complaint received 2017-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (RI)

I have struggled to pay the large amount of private loan debt I incurred 13 years ago whole attending college. I have tried my best to always make my payments by working side jobs and moonlighting even though it is against my employers strict policy. The market is not what it used to be and this work has reduced considerably and I can no longer continue to do this work because I can lose my job. My wife is a XXXX XXXX XXXX mother to our XXXX children, I am the only working parent, I can not afford to lose my job, bottom line. Increased costs of health care and cost of living and the loss of this extra income has left our budget negative every month. It has been really hard keeping up with the over {$150000.00} in student loans both federal and private and we have fallen 5 months behind on my federal loans. I have used all forbearance in the early years of my loans and filed bankruptcy in XX/XX/XXXX in an effort to try to make things work but it is not working as our family grew after XXXX XXXX XXXX  children and having a child of our own ( which we were told was impossible ). I 've spoken to Navient many times looking for options and programs and at this point there is not much left. I appreciate that they have considered me for lowered interest programs but even the lowest interest rate is still a {$450.00} payment on top of another {$270.00} for federal loans and we simply do n't have an extra {$720.00} each month. I spoke to Navient on Friday XX/XX/XXXX and the rep on the phone admitted that private loans just do n't have the programs ( like IBR ) that federal loans have and there was n't a lot of relief for me there. She seemed understanding and listened to me for over 25 minutes, I explained all of the above to her. Then she told me she had to transfer me to a manager to " record '' everything we just spoke about. He was rude, loud, and inappropriate. He said, " so what bill are you not going to pay this month so you can pay Navient ''. suggesting that I not pay what? electricity? food? Their phone calls are getting more aggressive and they are now calling my place of work which I have asked that they do not do. I am not allowed to get these kind of calls to my place of work. I was told last time that the number would be removed from the list and they would " leave a note to not call me at work ''. I just recieved another call to my office from them and they hung up on the receptionist.
Consumer complaint received 2017-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XXXX XXXX, XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( TransUnion / XXXX / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b XXXX XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX  XXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (UT)

I applied Chase Preferred Sapphire last month after being told by my banker that I am pre approved. Later the card was declined. When i spoke to reconsideration department i was told that i was not pre approved. I went to bank again and the banker who applied the card on my behalf spoke to lending department and he was also told that i was not pre approved. It seems that there is some discrepancy between the system banker is using and lending department is using or there is some bug in the systems. In any case, my credit report has been damaged due to the hard pull which would have not been done in case I was not told that i was pre approved and i would not have applied for the card.This is clearly due to the issue at chase system and i have suffered due to this. The intent of this message is to escalate this issue to the appropriate department and to get the hard pull reversed as the root cause is due to problem at chase side. Banker has already placed a request for the reversal and he was told that the request for the hard pull reversal has been made. I want to make sure that the reversal is done. Please confirm to me that the hard pull has been reversed. I was told that i was pre approved in branch whereas the lending department was not able to see that i am pre approved. I went back to banker and he confirmed again that i was pre approved. There is clearly some discrepancy in the systems used by banker and lending department. This is clearly a issue with chase and i would not have applied for the card had i was not told that this is a pre approval. This is clearly a mistake at chase side and thus my hard pull needs to be reversed
Consumer complaint received 2017-06-27
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: Experian Information Solutions Inc. (WA)

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ Experian ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.