davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (CA)

I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank, XXXX and Walmart were never willing to work with me to repay my debt I am not sure how I was supposed to clear up this mess. There is no way I owe as much as XXXX is reporting if a program that was supposed to help me should have taken over the payment for my card until I got on my feet.
Consumer complaint received 2023-05-05
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. (MI)

I have disputed this account with the credit bureaus and the credit company. This is a fraud account, i did not co sign a loan. I have disputed this account 3 times and the credit bureaus have refused to remove this account from my credit file XXXX has also re-inserted the fraudulent address back onto my credit file exposing me to more fraud. the account is as follows XXXX XXXX XXXX XXXX XXXX THE FRAUDULENT ADDRESS IS AS FOLLOWS XXXX XXXX XXXX, XXXX MI XXXX I HAVE INCLUDED THE POLICE REPORT AGAIN
Consumer complaint received 2015-07-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch Sturm LLP (NV)

My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.
Consumer complaint received 2015-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DE)

I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. 
Below are the errors I have identified : XXXX XXXX  XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This XXXX had a carryover balance since approximately XX/XX/XXXX. I was making more than minimum payments. On XX/XX/XXXX I paid the full amount due on this card in the amount of {$1600.00}. When the payment cleared my bank I checked the balance on this account and it reflected {$0.00} due.
On Monday, XX/XX/XXXX I called the customer service line and said I paid off this account and I do n't understand why I now have an amount due of {$12.00}. The rep said it was for " residual interest ''. I stated I never heard of such a thing and asked for this charge to be reversed. She said she could n't do it. I called again to the customer service line today, XX/XX/XXXX and again asked why I was being charged this fee. He said it was " easily missed '' if you did n't know about it. I explained that I have had this card since XX/XX/XXXX and carried balances before and then once paid in full I did not get hit with " residual interest ''. Again he said it 's easily missed. I asked for it to be reversed, he said he could n't. I then asked for a supervisor. This supervisor was rude saying I was going to ruin my credit if I did n't pay it. I said it 's a " scam '' and I refuse. If this fee is " easily missed '' then the bank is counting on consumers just letting it go without a complaint. I 'm not willing to do that. This is a hidden fee and I do not like being taken advantage of. I told the rep I am a very good customer and it would be a shame for the bank to lose me as a customer over {$12.00}. He said it was up to me if I wanted to see my " credit go down the tubes ''. I stated that I have other charge cards that carry a balance and once paid in full I do not get hit with hidden fees. Any assistance you can give to get this reversed is greatly appreciated.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I refinanced my home, paid points and fees and it dropped approximately XXXX monthly, only XXXX months later it went back up to its original amount. it was before and is now a fixed mortgage with nationstar mortgage. They gave me the most complicated reasoning for this increase.I just have to pay it the way it is for now though to keep my home.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CA)

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For M & T bank, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Consumer complaint received 2023-05-05
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. (VA)

I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
Consumer complaint received 2023-05-05
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. (NE)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX NE XXXX, 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 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-05-06
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. (TN)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2019-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I'm concerned about my education loan provider, Fedloan Servicing, as they they are not responsive to my inquiries, and have miscalculated the total number of payments I have made, which makes me doubt whether they will ever allow me to achieve public service loan forgiveness ( PSLF ). 

For example, Fedloan does not provide users with the number of qualifying payments they have made, you have to request that information, after which it takes them 8 months to get the numbers. When they sent me the number of payments 8 months after I inquired, the number they provided was lower than the actual number of qualifying I have made. When I asked them if they needed any more information to correct the number ( e.g. bank statements, invoices ) they stated that they would get back to me. This was in XXXX ( 6 months ago ) and after contacting them since then I still haven't heard a word. In the meantime, they are of course still contacting me regularly to make monthly payments ( which I have continued to do ) and requested that I submit the paperwork to re-certify my income-driven plan. which I will do. 

Needless to say, the experience has been disheartening and confusing. I'm not sure what to do at this point regarding their communication ( or lack thereof ) and the need for them to acknowledge the accurate number of qualifying payments that I have made. 
I would very much appreciate your help and advocacy in this matter.
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency XXXX XXXX and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to Convergent Outsourcing who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
Consumer complaint received 2023-10-24
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. (TX)

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.

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. 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.