davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I am a Veteran, my income is {$2000.00} a month. I have XXXX children, rent, bills etc. Sallie Mae is not allowing me to lower monthly payments or even delay payments based on my income. 

I believe Sallie Mae is systematically and illegally setting me up for failure in repayment - they are giving me the run around, putting obstacles in the way to prevent repayment and has failed to act in my complaint - in an effort to make me pay much more than what my loan really is. 

I am facing unemployment or other financial hardship, and applied for a XXXX  - XXXX   XXXX XXXX and an alternative repayment plan for modification of loan terms. No income-driven repayment plan was provided to make my student loans more affordable. I bring in {$2000.00} a month, I am a single mother of XXXX children, my rent is {$1500.00} - I am struggling right now. 

Sallie Mae , Inc. has not gone through every stage of repayment for both private and federal loans and are making my student loans more difficult and costly for me. No notices are sent to me and I have accrued interest to my principal balance, lost protections, - there is no loan forgiveness. Sallie Mae , Inc. has harmed my credit and I am a XXXX borrower - an XXXX veteran, whose XXXX is connected to my military service yet have not been given loan forgiveness under the federal XXXX and XXXX XXXX discharge program. Sallie Mae , Inc. said they would remove all adverse information about the defaulted loan from my credit report and I believe Sallie Mae , Inc. is in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act and I have been harmed due to Sallie Mae , Inc. 's illegal practices.
Consumer complaint received 2019-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP (GA)

When I originally applied for the loan at Republic Finance, in XXXX, GA, on the application it asked and I wrote, that I did not want to be contacted at my place of employment regarding the loan or any additional offers from that company. Despite my written notification I am constantly called at my place of employment regarding my loan. Sometimes on a daily basis and at least XXXX times a day. The repetitive calls from them obviously implies to my employer and coworkers that its regarding a debt. 

Ive always notified Republic Finance in XXXX, GA, that I would be paying late and Ive always notified the company of my estimated late payment date. In addition, when Ive paid my monthly payment late, Ive always paid the penalty late fee. But despite my efforts, the company has continued to call my job and harass me at work even when notified that I will be making a late payment and paying the late fee. 

I have notified them verbally ( over the phone ) on XXXX separate occasions not to contact me at work. The company ignores my notifications and continues to call my work number. Theyve used the excuse that the person contacting me at work is either a new employee or was not aware of my request to not be contacted at work.
Consumer complaint received 2018-06-29
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. (AL)

After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus XXXX, and Experian about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and Experian with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus XXXX, and Experian.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX I used XXXX to access my annual free credit report from three credit reporting agencies, Transunion, XXXX and XXXX. When I checked my credit card charges today ( XX/XX/2019 ) I saw a charge of {$19.00} ( recurring ) from Transunion from XX/XX/XXXX. 

I had not signed up for any services from Transunion and had not approved them to charge my credit card. 

I called up Transunion to dispute the charge and was told that I must not have accessed my annual free credit report through the correct address, despite having clicked directly through XXXX. When I said that I had not signed up for any services and wanted all services to be cancelled and my {$19.00} to be reimbursed, the customer service person pushed back and asked me if I wanted to cancel {$1.00} XXXX insurance coverage for identity theft. I had never requested this in the first place. They eventually said that they would cancel my subscription and reimburse me the {$19.00}. 

I am absolute furious that a credit ratings agency can charge me without my consent when I go to access my annual free credit report.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX XXXX, years ago, claimed the credit card they issued me had been used ( despite my never having used it nor giving any of the credit-card account data to anybody ). I paid the debt of {$800.00} dollars, but was so busy I put the issue on a back burner. I am currently reviewing my past financial and legal issues, and found out that Providian had been purchased by a bank that had issues with consumers and the federal government ( up to and including litigation ). Is there any way I can recollect that payment? I still have the credit card. -- My full name has always been ' XXXX XXXX XXXX, ', and lived in XXXX XXXX, at the time of that event. My date of birth is : XX/XX/XXXX, and final four Social Security digits are : -XXXX ; my Place of Birth is : XXXX XXXX ; ( XXXX ) XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

This is what the CIT Bank wire transfer form says Signed and completed forms may be securely submitted to the Document Center in Online Banking. Sign in via www.CITBank.com and click on Customer Service to access the Document Center. You may also submit by fax at ( XXXX ) XXXX. Submit forms prior to XXXX XXXX   Pacific Time ( XXXX XXXX Eastern Time ) to have the wire transfer reviewed the same day, subject to the Terms and Conditions below ( excluding federal holidays ). I submitted a form on XX/XX/XXXX around XXXX XXXX EST for the transfer to happen the next day. 

On XX/XX/XXXX around XXXX XXXX EST, CIT calls me and starts asking me the information that I had already provided in the form that was securely uploaded to their Document Center. I spoke to XXXX and XXXX XXXX from XXXX, CA. The business day was almost over, and they were calling me at the end of the day. XXXX said that their cutoff time was XXXX PST, and they had to initiate the transfer ASAP to make it the same day. I had submitted the form 24 hours ago, and they were calling me 30 mins before the cutoff time. When I told him that, he lied on 2 things 1 ) I was supposed to call CIT after sending the form ; nowhere in the form does it mention that. It explicit says For security purposes, CIT Bank will contact you to verify the information that you provided within this request. We will be using the telephone number ( s ) we already have on file. 2 ) They had called me before and I did not respond. My call history proves otherwise and I would like to challenge CIT to prove that they called earlier on XX/XX/XXXX. So, after sending the form on XX/XX/XXXX, almost 24 hours before their cut-off time, I still do not get the funds transferred on XX/XX/XXXX. It ultimately happens on XX/XX/XXXX. What is pathetic is not just their lack of process and incompetence but their lack of knowledge and denial of any responsibility.
Consumer complaint received 2019-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

Hi CFPB, I've refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank that refinanced my house :  XXXX XXXX ( debt collector : XXXX ) to a new debt collector called Ditech. The problem is that, because of a miscommunication between the companies and me, I should have started to pay Ditech in XXXX, but, instead, I've started paying in XXXX. 

After paying Ditech, I was informed by XXXX that I should send a check to them in order to cover XXXX, what I've done and can proof. So, then, I've called Ditech and they told me that were going to use the XXXX payment to cover XXXX and should be all set. 

They never did. Instead, they've paid XXXX for XXXX, so then XXXX received two payments, one from me, and one from Ditech. 

Last month I've contacted Ditech to negotiate my interest rates and they finally discovered the problem. As soon as this happened, they've started to charge me two mortgages, instead of one and also started to send letters threating me about foreclosure. 

I've called Ditech and said that they have to get reimbursed by XXXX. They said that they can't do anything about it and that I should ask XXXX to reimburse me instead, so then I should use the money to pay Ditech until the end of this month, otherwise, it will have consequences ( more threats via phone ).

I've sent two faxes, one to Ditech and one to XXXX, showing my proof of payments. I've contacted XXXX, but they said that just solve problems like this via fax. The problem is that the time is passing by and they've never replied to anything, even though my fax has my phone number, email and all the details of my account. When I call them, they say that don't have any information about my account. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

I paid all my credit cards down to a XXXX balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Please see attached letter from XXXX XXXX, dated XX/XX/2017. This item should have been removed from my XXXX, Tran Union and XXXX credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My initial loan was through XXXX XXXX. They sold my loan it is now with New Rez LLC shellpoint mortgage servicing. My payment amount is XXXX per month. I have paid ahead and wanted to pay biweekly as I did with XXXX XXXX. NewRez holds my partial payment rather than putting it through. They put it in once a month rather than bi-weekly as requested. I paid XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX which is more than the amount of the loan. This keeps me from paying towards my principal in hopes to pay off my loan quicker. I have never had a bank hold my payment before. I called to try and resolve this they will not put my payments in as requested.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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
Consumer complaint received 2019-09-13
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)

I have contacted collection agencies on my credit file that have failed to provide information validating these accounts listed on my credit file. I have also disputed with Equifax yet Equifax still continues to report accounts that can not be validated. It is my understanding that a company must provide legal proof bearing contracts and agreements that I have done business with them and none of these collection companies have done so.Matter of fact the companies couldn't even provide a computerized statement like most of them do. Equifax is violating the law by continuing to report these inaccurate fraudulent accounts. Equifax is even reporting the same accounts twice which I know for a fact is in violation.
Consumer complaint received 2019-09-16
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 — Problem with personal statement of dispute
Company: AES/PHEAA (CA)

I was notified in XX/XX/2019 from my XXXX credit monitoring that there was a late payment marker on my Credit Report. I called myfedloan immediately to see what happened as I have not had a late payment in the 10 years I have had the loan. They stated on the phone in XX/XX/XXXX they had my wrong address even though I had all of my mail forwarded to a new address as I have done that with them before. They also said for some reason there was an error they received when also trying to send me emails and acknowledged there was an error in their system. They said even though it was an error in their system, it doesn't allow them to remove the incorrect late payment due to their error because the system is old and doesn't recognize that as a valid reason. They prompted me to file a dispute with their team and I did, and it was denied they then told me to reopen the dispute and provide all of this documentation which I did and they still denied it. I am concerned that they are able to ruin someones credit, and career by making this kind of mistake and wont take any steps to course correct their error.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (SC)

I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC (GA)

I couldn't find the specific indicators to move forward with my complaint, so I choose those as close as possible. 
I had a mistrust of Cooling and Winter prior to settling my XXXX XXXX XXXX credit card lawsuit with them, due to the information I read about them and how they handled their business/treated their customers. During the time prior to the agreement, I was able to get in contact with someone from Cooling & Winter,  after the agreement, that has not been the case. I have been sending my payments by money order, but have not been able to get an email/proof that the payments have been received, because I can't get in touch with anyone to return my numerous calls that I have left on their answering machine. I also want a balance remaining update to insure that our information is the same. The last two calls for example were XXXX XXXX on XX/XX/19. I left a message at ext. XXXX which was supposed to be XXXX XXXX ( I don't even know if he's still employed there ), but I have not received a call back. Another call was made XX/XX/19 @ XXXX XXXX I spoke with a representative named XXXX XXXX. She asked for my name and didn't seem to be able to find my account. I the gave her the case # /number I put on all money orders with my identifying info when the payments are sent, and she still didn't seem to be able to pull up an account. She finally said 'Hummmmm. hold on for a second ', then before I knew it I was listening to another phone ring. The answering machine was for someone whose last name I made out to be XXXX. I left a message for him, but he never called me back either. I have an answering machine so that if they were to have called back and left a message, I would know. This company has some of the worst customer service and non responsiveness that I don't see how they have not been sued again by the CFPB. I know I can't be the only person the be having issues with this company. I just need simple verification, so that when I finish with this claim, I have proof in the form of a letter from them hat it has been paid so that I won't have any issues in the future. If their bookkeeping is anything like what I have been confronted with, I can't imagine trying to get any proof of anything in the near or extended future.
Consumer complaint received 2023-11-09
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: MECHANICS BANK (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : MECHANICS BANK AUTO FI 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX