davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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. (CA)

Earlier this year, when Navient notified me via email on XX/XX/XXXX, that my student loan payment would increase, I followed the online link to renew Income-Drive Repayment for another 12 months. I received confirmation from Navient that my IDR had been approved via email on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Navient that my monthly payment would increase to {$620.00} as of XX/XX/XXXX.

I sent an email on XX/XX/XXXX, to the Office of the Customer Advocate, posted on the Navient Web site as  XXXX, with the following email : " Dear Navient advocate : Thank you for reading this letter. 

I just received an email from Navient stating that a payment of {$620.00} -- the full amount that would be due under a non-income-based repayment plan -- is due on XX/XX/XXXX, despite my having renewed my request to Navient for an income-based repayment plan earlier this year. In fact, Navient sent me an email on XX/XX/XXXX stating that my IDR had been approved. My payments for the past year have been {$220.00} per month.

A payment of {$620.00} is nearly half what I pay for rent. I work part time as an XXXX XXXX   and am unable at this time to make payments that high.

Would you please investigate this matter and adjust the amount due? Thank you.

Regards, ( my name ) '' On XX/XX/XXXX, I received another email from Navient stating that a new loan document was available and to log in to my account. When I logged in, there was no new document. There has been no response at all to my email of XX/XX/XXXX.
Consumer complaint received 2018-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear CFPB and XXXX, I recently noticed ( Last month ) that I was late on my account, and I called XXXX immediately to schedule full payment that was processed on XX/XX/XXXX and I set up another payment that was processed on XX/XX/XXXX, but I wanted to send you in writing a request and favor to ask you if you could grant me a " goodwill adjustment '' to remove late payments from my credit report. 

This would mean a world to me, as I have never been late ... and somehow I missed email and notifications from you that I was late this time. 

I just recently checked my credit score and score went down by 84 points just because of this specific late payment ... and I want to take a second and explain what happened. 
For several years now ( since XXXX ), I have been with you guys ( XXXX ), and I already paid off two other loans ... and I am actually very close to finish paying this 3rd one as well ( I am at 90 % paid off ), and recently I changed my bank accounts ... which resulted in auto payments not being able to process. 

I never received phone call from XXXX, and since I am not receiving paper bills ( I was signed up in autopay ), I was not aware of the missed payments. 

I would like to request a favor to remove this late payments from my account and my credit report, if any way possible. 

I was never late on any payments to any creditors ever in the past 9 years ... and I simply didn't realize that I was late to you guys ... 

Thank you so much for understanding and I appreciate you for landing me money in the past and for hopefully helping me remove this negative report from my credit. 
If there is anything else I need to do, please let me know. 

I look forward to your response and doing business with you guys in the future as well. I have referred several of my friends and family members to you guys as well, and will continue to do so. 

Thank You So So Much once again for your help and I hope that you can forgive me for being late. 

Best Regards -XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

On XX/XX/year>, I went to the ATM to check my balance and my balance was XXXX, so I went into the bank and asked for a printout of my statement for the month of XXXX. Then I noticed that I had XXXX overdraft fees, so I asked the Teller about the fees, and she referred me to make an appointment with the branch Manager. On XX/XX/year>, I met with the branch Manager and talked to her about the overdraft fees and reminded her of the UDAAP ACT and she stated that she would only be able to remove a few of them. I talked one of your lawyers and he referred me to submit a complaint.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX  in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Consumer complaint received 2018-06-06
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)

XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.
Consumer complaint received 2018-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This complaint is against Equifax reporting agency. I submitted for request of Equifax method of verification for a disputed debt that was verified by Equifax. This request was submitted on XX/XX/XXXX. According to the FCRA section 616, the credit reporting agency has 15 days to supply a consumer with their method of verification for accuracy of a debt. As of XX/XX/XXXX, I have not received any documentation from the above credit reporting agency. 

I am requesting for Equifax credit reporting agency to be investigated for not complying with consumer rights, with providing a consumer with documentation of their company method of verification of a disputed debt. 

The company in which was requested for method of verification is as follow Creditor : XXXX XXXX/ XXXX XXXX XXXX Bank account number XXXX amount {$3500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX In summary, I have resolved this issue XXXX  as well as XXXX Credit reporting agency . However, Equifax has continued to report this derogatory information in my credit file without providing me with an explanation of their method for verifying any accuracy to alleged debt.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stern & Stern. P.C. (NY)

Stern & Stern is requesting payment of XXXX for a bill that was paid, perhaps even several times over the years to XXXX XXXX XXXX to lower our property taxes. He has since placed a lien on our property and according to county clerks office this bill dates back to XX/XX/2002. We have repeatedly asked Stern and Stern evidence of this bill to see if it is indeed the one that dates backs years ago to which they have never responded even though one of our requests was made via certified mail with signed returned receipt. We have the signed returned receipt but still have not received any bill, invoice or any proof of dept from them. We can not continue paying them for a bill we do not owe this has been going on for years. 

About one year later of our sending out the certified mail, I was notified by Stern & Stern that there was a judgement again my property and a lien on my house. I thought it was a scam, it took me weeks of working with my local town government to confirm that their is indeed a lien on our property. I believe that they may be targeting senior citizens because I recently found another complaint on XXXX reviews for the same law firm representing the same tax company describing Stern and Stern 's use of unscrupulous tactics. 

I asked my bank if it would be possible to return that far back in my banking history and they informed me that NY state has 6 year statue of limitations on collecting dept so that it should not be necessary for me to go through this trouble. I do not understand how they could legally place a lien on our property for a dept that exceeds the state 's statue of limitations. 

I do not want pay this company again and have them come back in a year or two and ask for payment once again. I do not want anyone to have to go through the time aggravation and stress I am going through trying to solve this. I do not want my assets frozen as he did to the gentlemen 's father ( XXXX XXXX ) on the XXXX review which I copy and pasted below. 

This seems like fraud to me and I would like a criminal investigation opened so that they can not target anyone else. 

Thank you for attention you can bring to this issue XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX,,, XXXX XXXX : " These guys went after my father on a claim that he owed money to a property tax reduction company, I happen to have the same name as my father so they froze my bank account! They couldn't even ensure they had the correct social security number, and froze my assets illegally. When I asked them to pay the bank fee I was charged to get my bank account reinstated ( a couple of hundred dollars ) they refused. Now this event is coming back to haunt me again because this event made it onto my credit report. I called them to get it worked out and they gave me an attitude on the phone and were not sympathetic. ''
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

On XX/XX/2018 I sent a letter to Equifax requesting a PIN so I could have the Security Freeze on my account lifted. Per their instruction I included copies of my Birth Certificate and Driver 's License. 
I was to receive the PIN in 7 - 10 business days. This did not occur, and I have had no reply from the company. 
Today, XX/XX/2018, I am sending them another letter. 
Until I get the Freeze lifted I am unable to open a new credit account with anyone.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CT)

My brother, XXXX XXXX went to Chase Bank at XXXX XXXX XXXX, XXXX, CT XXXX on XX/XX/XXXX to work with XXXX and XXXX, his " personal bankers '' to change a will or turst fund to include my son.When eh gave CHase bank my social security number, they told him it belonged to XXXX XXXX and that nothing further could transpire until they reach such person I called the Main # of the bank and it said all teers were bust and redirected me to their XXXX #, that operatory tired to transfer me to their fraud dept and I was on hold for 1 hour on cell phone # 1. I also tired calling both XXXX and XXXX and both promised that they would call me back asoon as s they completed businesss with their current customer. They never called me back and a dedicated phone I held open for them.The branch manager, XXXX XXXX also di not retrun my calls.My brother retruned to the bank to learn that this XXXX XXXX had a closed account with chase with my SSN and that she lived in XXXX, CT-I live in XXXX Ct and opened a case with the XXXX police case # XX/XX/XXXXthe police have access to a database and they could see that XXXX 's ssn was 1digit different than, So I finally Chase Bank fraud detection dept and they told me that they simply can not help me over the phone.CHASE Bank is nto taking ownership for their error and not resolve this fraud that my brother detected and they seem to be insulating themselves avoiding consumer calls and complaints form this .They are irresponsible and horrendous customer serviceI thibnk they are trying to sweep it under the rug,
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

i have tried to settle issue with this company and no anvil they refuse provide proper information on this debt. this company is reporting invalid amount and invalid dates the amount owed is XXXX and the are reporting XXXX owed the original default date in XX/XX/XXXX they have updated it toXX/XX/XXXX restarting sol texas for debt collection I have sent out two letters to this company requesting proper information
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (MA)

Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. 

I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. 

I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. 

Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. 

I am concerned this may occur again with this servicer. 

Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (TX)

IN REGARDS TO : EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX. THERE HAS BEEN A ON GOING PROBLEM IM HAVING WITH EQUIFAX NOT SENDING ME MY RESULTS AS I HAVE REQUESTED VIA USPS MAIL INSTEAD OF SENDING THEM THRU THERE ON LINE SYSTEM IN WHICH HAS ME BLOCKED OUT AND DOES NOT WORK SINCE THE DATA BREACH OCCURED. I HAVE SENT COUNTLESS DISPUTES AND EVEN MADE A SEVERAL PHONE CALLS WITH REPSENTATIVES TO REMOVE AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDLENT AND IS NOT MINES. I AM A VICTIM OF IDENTITY THEFT AND THEY DO NOT DO PROPER INVESTIGATIONS EITHER.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (AR)

A debt has been illegally reaged on my credit report again. I disputed it previously with Equifax and it has magically reappeared. 

The information on the debt is : Creditor : XXXX XXXX XXXX Amount : {$360.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX This debt is 7+ years old. I have moved from XXXX so there is no way that this is accurate.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is " We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.
Consumer complaint received 2018-06-06
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. (CA)

Sent a Police Report to Equifax on XX/XX/2018 as per Equifax Office Of Consumer Affairs. Spoke with XXXX in Office Of Consumer Affairs refused to Dispute inquires due to ID Theft and advised me she would not help me.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc. (MT)

Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX -XX/XX/XXXX- {$430.00} XXXX XXXX XXXX- XX/XX/XXXX- {$4700.00} THE DEBT AMOUNT IS INCORRECT I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE ACCOUNT OF WHAT THE CORRECT AMOUNT SHOULD BE AND I KEEP GETTING THE SAME INFORMATION I ALSO REACHED OUT TO THE ORIGINAL DEBT COLLECTOR XXXX XXXX XXXX  BUT NO RESPONSE.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FRANKLIN LOAN CORPORATION (CA)

XXXX now owns the mortgage but it started with Franklin Loan Company. In XX/XX/2017 when we were finalizing our mortgage in escrow, XXXX XXXX of Franklin Loans apparently submitted the amount of property taxes that we needed to pay in escrow. 

The amount for 7 months of property taxes on a sale price of {$400000.00} was only about {$1200.00}. This amount was very low and has now led to XXXX charging us {$500.00} a month more on our mortgage of {$2500.00}. XXXX also claimed that we need to have a {$1500.00} cushion in escrow, which Franklin Loans did not account for. 

I called XXXX XXXX and asked him about the property taxes. He responded that he no longer works for Franklin Loans and suggested filing a complaint with FCPB.
Consumer complaint received 2018-06-05
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.
Consumer complaint received 2018-06-05
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: ID Analytics, Inc. (NY)

I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.
Consumer complaint received 2018-06-05
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. (FL)

I sent a certified letter to Equifax ( credit bureau ) on XX/XX/2018 requesting a 'free ' copy of my report since I was denied a XXXX credit card ( XXXX ). XXXX provided the Equifax address when I contact Equifax. Equifax has not replied or responded to my request, and since they have my current data in file, so no need to 'update ' anything to provide my report. There is a Federal Statute that Equifax ignores. There is a class action suit, and numerous government actions pending against them already. Maybe a local civil suit is in order too? 
It may help to Reference Appt # XXXX from the XXXX correspondence. 

XXXX Today : XX/XX/2018