davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I took out a student loan primarily using my relatives credit for the amount of XXXX dollars for the XXXX acedemic year. The issue is that I accidentally selected the option that does not defer the payments for the loan and now I have a XXXX bill every month which I can not afford so a few times I had to pay late. I have called them many times, but their general response is ask your brother for money. This is an issue however because first of all its my loan which is meant to be paid by me, there is only so many times I can ask for money, and second of all he has his own bills and expenses. I need a solution to this because right now I am scraping every cent I have to pay for that, and am left with nothing.
Consumer complaint received 2018-10-11
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. (CA)

Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX the first credit card account was opened and on XX/XX/XXXX the second credit card account was opened. I had 2 credit cards with XXXX XXXX XXXX XXXX and the XX/XX/XXXX account was closed with {$1800.00} owed and XX/XX/XXXX account was closed with {$1900.00} owed. The actions the company took was to close these accounts as charge off 's. I understand that I owed the amounts and during the time I was going through hard times and did not have any income to pay for these accounts. I did try to work with the company and they are indeed a great company, but I could not hold my end of the deal to make payments due to my situation. I am now trying to repair and build up my credit so I am able to have a chance to earn lines of credit in the future in society to help me establish and build my own business. It requires me to clean up my credit, so I am wanting to ask the company to remove my closed accounts from my credit report completely so I am able to move forward. Hope you will consider this as it will be very helpful in my endeavor. Thank you for your time.
Consumer complaint received 2018-10-11
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. (CA)

Please block and remove all information resulting from Identity Theft, the accounts do not belong to me at all.. I disputed the accounts with the credit bureaus and they could not help me, I asked for proof of contract but they could not provide..CFPB please remove XXXX XXXX  XXXX, XXXX XXXX   XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (CA)

Well fargo customer service keeps calling my work several times harassing me to pay my personal loans of amount of {$8500.00} on XX/XX/XXXXPlease tell them to stop calling my work and exposing my issues to my company. XX/XX/2018. If I'm not there whoever answered the call from work, Well fargo will reveal the reason of the call. That's very embarrassing and also is affecting my work. I'm working with XXXX XXXX XXXX for negotiation. I have informed them to call them instead of me.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

This is a follow-up to a previous complaint I had filed against Ditech Financial, LLC. 

Ditech has refused to cancel our PMI for multiple months. Per the Homeowner 's Protection Act, Ditech  must automatically terminate our PMI when our LTV reaches 78 %. Our LTV dropped below 78 % LTV prior to our XX/XX/2018 statement. In addition, we requested over phone and email that Ditech terminate our PMI three times in XXXX, XXXX, and XXXX. In our most recent call with Ditech, the Ditech representative tried to push us to pay for their appraisal service before we cited the Homeowner 's Protection Act, at which point they became apologetic. 

Ditech 's previous response to our CFPB claim cited the section in the Homeowner 's Protection Act that allows Ditech to require evidence that our home 's value has not depreciated in value. However, per the " Automatic Termination '' clause in the Homeowner 's Protection Act, if our LTV drops below 78 %, Ditech can not require this evidence before terminating our PMI.
Consumer complaint received 2018-10-11
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. (MS)

I am a victim of identity theft. The information listed XXXX XXXX XXXX, DEPT OF ED/XXXX   which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I still have to file a complaint against the University XXXX XXXX, but here is my issue. I borrowed very little money to attend the University XXXX XXXX and only recall one check being sent to me for over-payment, being that I was also receiving the XXXX GI Bill while I was in the service. So, I really didn't need to borrow the money at all. Everything was covered. I recall receiving a payment for roughly $ 2,000- {$4000.00}, I don't recall being that it was over 15 years ago. 
{$4000.00} led to over {$11000.00} in loans. I consolidated with Navient and instantly {$11000.00} became over {$24000.00}. I didn't receive any additional checks, yet a consolidation led to a {$13000.00} increase. This appears to be a scam to me. 
I have tried fixing things with the University XXXX XXXX as well as Navient. My messages and emails ( with a letter attached ) have all been ignored. I really don't feel like paying any more money to these guys until they can first prove I owe what they say I do. Better yet, I prefer to have them fix this issue, knowing that I not only didn't borrow what was said was borrowed and then a consolidation led to a {$13000.00} increase. 
They are lucky that they received the almost {$4000.00} they did when I filed for bankruptcy when I became a single father of XXXX. That appears to be what I borrowed from the get-go, yet they still show this astronomical amount on my credit report. I have been trying to get answers for years, but have always been ignored. I figured now was time to file a complaint.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Uber Technologies Inc. (IN)

I had a background check did by XXXX ( they used XXXX ). In the repoert summary information, they did county searches that were clear, but there are three counties listed that I have not had any association with, one in an actual state that I have never even been to.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MA)

By around XX/XX/XXXX the bank account got frozen by company 's decisions for a no reason. due to using ATM machine that customer 's transaction made at his travel time during in XXXX. Amount in a account is XXXX $ worth. 
the company has no right to freeze account under the customer 's permissions. Yet, account is still freeze at this moment and customer is no finance access what so ever in the XXXX and struggling to find his shelter. also seeking help from US embassy at this moment but there is no successful actions and faith. and he is stuck getting back to USA even it is not his fault nor his cause. 
this is a serious ignorant with abandoned abuse service ever and it need to unfreeze the account immediately. 
identifications should be given over the phone via emails anyway possible but has not been approved. all the company has saying was he has to visit the branch office counter him self to unfreeze, which is impossible at this moment. he is in a XXXX. not in a home town. The customer is still stuck him self desperate to leave the XXXX.ASAP.
Consumer complaint received 2020-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Dear Support Agent : Thank you very much for your time. 

On XX/XX/2002 I applied for a Consolidated loan with Navient Loan Servicer. To date, Navient never consolidated the loans on XX/XX/2002, and are billing me for two loans and have named each loan Loan 1-01 Consolidation and Loan 1-02 Consolidation, with two separate interest rates, accordingly. 

XX/XX/2002 Loan Amount for consolidation : Loan 1-01 Consolidation : Unpaid Principal : ( i ) {$33000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-01 : Unpaid Principal : ( i ) {$100000.00} Unpaid Interest : ( ii ) {$3300.00} Unpaid late Fees : ( iii ) {$710.00} XX/XX/2002 Loan Amount for consolidation : Loan 1-02 Consolidation : Unpaid Principal : ( i ) {$28000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-02 : Unpaid Principal : ( i ) {$50000.00} Unpaid Interest : ( ii ) {$1600.00} Unpaid late Fees : ( iii ) {$450.00} Current balance : {$150000.00} Current monthly balance : {$1100.00} Navient approved the two loans. The first loan amount was {$28000.00} and the second loan amount {$33000.00}. Totaling : {$61000.00}. 

From 2002 to date, Navient is fraudulently charging me two interest rates on two loan amounts that I consolidated. 

Help. 

Respectfully submitted, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-11
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. ()

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously
Consumer complaint received 2018-10-12
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)

I noticed some discrepancies on my credit report in which i disputed it with the credit bureau Equifax, XXXX, and XXXX. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. Equifax, XXXX  And XXXX  made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, XXXX and Equifax to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And national credit systems. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against equifax.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

I have applied for a loan to get solar installed on my home. I have all my bureaus frozen after the Equifax issue. I have been trying to access Equifax to unfreeze my credit so the loan company can pull my credit. I have been unsuccessful logging in to their system or requesting a password reset and each time I call they tell me that their systems are updating and to call back in a half hour. This has been going on since the morning if Friday XXXX. 

Every time I call they say it should be cleared up in XXXX minutes to an hour. It has been over XXXX hours and I need to get the process moving to install my solar system.
Consumer complaint received 2019-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IA)

A message from Harris Debt collection at phone number XXXX. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam.
Consumer complaint received 2019-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (AR)

In 2015, I was in a really rough spot financially and got very behind on my student loan payments. I have since then, gotten in contact with my lender to establish a payment plan within my budget. But because of my rough patch in 2015, my credit score is struggling from all my missed payments.
Consumer complaint received 2018-10-12
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. (OH)

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, Trans Union, XXXX, and XXXX  I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (WA)

XXXX XXXX deactivated my account with them on XX/XX/23. I understand they reserve the right do to this and hold any balance of funds I had earned while using them. They sent me correspondence via email that was unclear regarding what to do with that correspondence. That email quoted a hold of my funds for EITHER 3 months or 6 months but was not specific, nor did it provide a clear date of release. I waited 3 months and attempted to transfer my funds, they were still being held. I waited an additional 3 months in order to suffice the 6 months that ( according to THEM ) was the maximum my funds would be held. They continued to hold the funds. I began reaching out to XXXX for assistance with how to remedy this. Responses included : - Refer to your original email - That is not my department- I don't have additional information about that for you and in all, XXXX attempts to assist with recouping my funds that they stated would be on hold up to 6 months. I have not received any additional correspondence outlining a change in hold times or an extension of hold time. When I contact them the do not give specific answers, typically stating processing time for these requests are approximated XXXX hours, only to then receive a generic response like the ones listed above. Furthermore, when I inquire about the inconsistencies in quotes, timeframes, or lack of correspondence, the reps I have spoken with simply do not acknowledge or respond to my line of questioning. The phone number will hang out the call, the online instant messaging reps with stop responding unless I open a new conversation ( and then the pattern repeats ), and via email I will not get a response. XXXX also states that they do not retain any documentation of the correspondence they send to me ( or " clients ), but very adamantly states that the email correspondence is what reps are required to go by. When I asked for a copy of said documentation ( that was supposedly sent to me ) they are unable to provide it. 
Desired settlement : Release funds in the amount of {$200.00} and fully close my account.
Consumer complaint received 2018-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I have been trying to fix errors reported to my credit report via Equifax. Since XX/XX/XXXX, I have had to submit 3 separate disputes. However, Equifax 's system refuses me access to view the complaints, yet they continue to report the very accounts I am disputing which has greatly damaged my credit. Every time I attempt to access, the results, I receive a notification stating my information does not match or that there are no results to view. This is now the second time I have had to submit a complaint through the CFPB because I am unable to access dispute results.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I was the victim of a computer scam. My XXXX  card was charged {$470.00} by XXXX XXXX. I never bought or received anything by XXXX XXXX. I was forced into this situation by XXXX XXXX at XXXX who fraudulently passed himself off as XXXX Customer Service and who took remote control of my computer. I later found out this number was not XXXX and XXXX never worked for the company. 
I called XXXX immediately after the charge was made to stop it and explained what had happened. I was assured the {$470.00} would be put in dispute status and the matter would be taken care of. I was supposed to get a dispute form sent to me- it never came. I called XXXX again and another dispute form was supposed to be sent to me- it never came. I called again and found out no forms were send to me but that the matter was taken care of because it was fraud. On XX/XX/2019 I got an email from XXXX saying the dispute was closed and the charges were valid. I called XXXX and was told to send a letter to the disputes dept. if I disagreed to reopen the dispute- which I have done. 
XXXX has handled this complaint very badly and ineffectively, never getting my side of the story in writing and lying to me about the dispute forms and about the matter being taken care of because it was fraud. It was bad enough that a scam had been perpetrated but worse that XXXX did nothing about it and sided with the scammer.
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am XXXX XXXX and I lost a big account in XX/XX/2017 which made me become late on my credit card for 2 months. Since then, I have regained my company strength and have been able to pay down my credit card balance to under 10 % utilization. However, I still have those 2 late payments on my account that the credit card company does not want to forgive which is hurting my score or apply for more credit.
Consumer complaint received 2018-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (FL)

I am being threatened by ADR out of Texas. They said they are going to take me to court and put a judgement on me for a debit card overdrawn debt from XX/XX/XXXX. I haven't heard from anyone in years. This was my deceased husbands doing back in XX/XX/XXXX I believe. Like I said I haven't heard anything in years, until today. They are calling my family members and trying to get information from them. I did call them back and explained to them after the fact they told me what it was, after they verified my information. I did tell them that I didn't do that and that my husband did. He is now deceased, but because I was the primary account holder I have to pay over {$1000.00}. The statue of limitations has done expired on this old debt in Florida. Who can I dispute this with? I was also told that because I verified my last four of my social security and admitted because I explained to them about that account. That they have the right to serve me papers and take me to court. And put a judgement against me. Also told me good luck in a sarcastic way.This is over ten years old!!