davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
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. (MD)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called XXXX XXXX XXXX on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that XXXX XXXX XXXX removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my Equifax and XXXX credit reports.
Consumer complaint received 2017-07-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MA)

I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.
Consumer complaint received 2017-07-10
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: EQUIFAX, INC. (WI)

On XXXX XXXX, 2016 my husband and I went to XXXX XXXX XXXX to see about getting a new vehicle. We authorized them to run our credit, but we never authorized them to run our credit with over half of a dozen other companies. This put hard inquiries on our credit report, which obviously hurt our credit score. We were told by XXXX XXXX XXXX XXXX that the hard inquires would n't matter because they were all on the same day and that anyone who looked at our credit would be able to tell. It 's been well over a year and we 've gotten nowhere. It 's beyond infuriating knowing that we 're trying to build our credit and because this one company inquired with 6 plus other companies, we 're the ones paying for it.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (TN)

Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I  received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (MI)

Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion continues to report XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ).
***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX  account.
Consumer complaint received 2017-07-10
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: PRESTIGE FINANCIAL SERVICES INC (GA)

On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IN)

When it was time to start making payments in my loans salliemai would now accept lower payment amounts. They would constantly call me everyday and I would talk to them till I was blue in the face and explain I could n't send a full payment. Finally I stopped answering and now I 'm with navient. They finally agreed to lower my payments for me but it just sucks that I couldbe been making payments tho whole time if I was n't denied before.
Consumer complaint received 2017-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.
Consumer complaint received 2017-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

due to history of unfortunate and unknown lack of management of my loans due to ex-spouse failure to pay my loans were neglected for years and accrued penalties and interest resulting in approx.  XXXX  in owed loans. I have been in an IBR with  XXXX  for over 10 years and head regularly and timely paid my monthly payment. I did not believe the total amount of the loan was correct and have spend hundreds of hours with attorney, investigating and working with the  Ombudsmen pr ogram to determine if i the penalties and interest accrued could be correct. I am a   XXXX   XXXX   XXXX   and as i make more income i become increasingly unable to manage the loan payment. The ombudmen program suggested i consider a  DIRECT r epay loan which would cap at a lower monthly amount. I was told to look at the student.gov site and  pick one. I want ed to determine all options and requested loan information  from Navient .  I fill out online and received two notification with loan repayment three times the amount of my current payment. I asked Navient on my calls if  i was under any obligation for the loan, as i was just reviewing all options and was told NO. I made a third call this week to inform that i still was unaware of what the payment would be under this payment plan compared to my prior plan and they were still computing the amount having finally received my pay stub. When i spoke to the Navient rep i informed that I had had 9 years of payment in my other plan that went toward the 25 year forgiveness which i now lost. I to ld Navient that i did not sign for the loan but was simple inquiring on options and they informed that the online application was binding and i had 10 days to cancel this consolidation. I was misinformed by both us.gov and Navient and need assistance in canceling this conversion. I will now re=start 25 years toward forgiveness for a loan that will never get paid due to the amount and type of payment plan. I am diligently trying to manage this debt and have reached out to congress and other legislatures to review the laws that do NOT protect the borrower. Pl.ease let me know how i can receive some assistance with this loan that I did not intent to commit to and was intentionally misinformed.
Consumer complaint received 2017-07-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NH)

This complaint was filed back in XXXX XXXX, spoke with the " Consumer Advocates Office '' @ Navient about getting the interest rate lowered on a student loan that I co-signed on for my son ( 11 % ). I was put on an interest only payment plan for what I thought would be a short term period as it turns out it was for FOUR ( 4 ) years, numerous calls to Navient to be removed from this program fall on deaf ears. I enlisted the help of XXXX XXXX office and that did little good. I have submitted financial statements to Navient back in XXXX of XXXX in an effort to get the interest rate reduced on this loan, that got no where, have tried to refinance this loan and got no where. Their billing statements show minimum payment due and if you read the fine print you 'll notice that the accrued interest for the month is XXXX - XXXX dollars more than the minimum payment. This is deceptive in its very nature, credit card companies do n't operate in this fashion why should Navient?. In short they are nothing more than a loan shark operation, not asking for a hand out asking for some help to pay these people off. I have reached full retirement age, my son is unemployed with XXXX children and even being employed he is under employed ( wages ).
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Consumer complaint received 2017-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Creditors To Executive Managers, My name is XXXX. This letter is a formal request germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent customer loyalty and on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$2500.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation. I will pay if possible. 

Over the years my credit reports reflect fraudulent inquiries, accounts, debts and suspicious transactions on a consistently - the most recent inXX/XX/2019. As a XXXX vet and XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXXXX/XX/XXXX, my intent is not to obfuscate financial responsibility but show actions and steps taken out of necessity to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. 

My intent is to dispute these inquiries, and negative entries which force me to apply for high interest ( % ) loans. I am working have my name and credit cleared up. And want this letter to serve as a rational to stop debt collectors calls, demand letters and emails. And creditor from reporting late payments and reporting me to the 4 credit reporting agencies ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. My case numbers for the investigating authorities are as follows : Federal Trade Commission Affidavit # XXXX XXXX PD, Economic Crimes Unit, case # XXXX Sincerely, XXXX PS I sent this email in lieu of calling - some creditors are claim that my cell is disconnected
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (PA)

Franklin Collection services have placed a collection debt on my credit report with XXXX XXXX and XXXX for XXXX XXXX. 
when I spoke with them I asked them to provide proof they told me to contact XXXX XXXX
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2019-06-24
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. (GA)

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw XXXX XXXX   which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XXXX
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Macy 's ( o nline here :   XXXX   XXXX   XXXX   XXXX   XXXX    )   and at their  XXXX   XXXX   XXXX  location ( in  XXXX , NY, where no one has cars/trucks/etc, which will be relevant ), advertises up to {$100.00} off purchases made when you open a new card. The purchases must be made within 2 days of opening the card.  <P/> I went t o Macy 's to buy a mattress that was cheaper because of this {$100.00} offer and opened a card. The interest rate is  ridiculously high, and so I opened the card only because of this offer.  <P/> The in-store person I dealt with handled the entire transaction - he answered questions about the mattress, set up the credit card application, processed it, and set up delivery date. I did not speak with any other representatives, there were no opportunities for a store rep to misunderstand what was happening.  <P/> The associate told me the credit would appear on my first statement. I waited unti l 2 s tatements had come, and nothing was there.  <P/> I calle d Macy 's customer se rvice and was told that the issue was that the mattress was purchased on the day I applied, but only charged on its delivery date. At no point when applying for the card was I told this, and even after confirming the delivery date the salesperson continued to say that the total would be {$700.00} rather than {$800.00} because of the credit.  <P/> The phone representative claims that they will process the {$100.00} credit, but given how unethical their behavior has been I do n't fully trust that.  <P/> They continue to advertise this promotion on their website and in store, without any notes about this major limitation. I did n't buy anything other than the mattress set, and there was no ambiguity about why I was getting this card.  <P/> I now have a hard pull on my credit rating for 2 years for a discount tha t may never come through, and this company is continuing to take advantage of anyone who goes to them to make a major, large purchase. I do n't know about Macy 's locations elsewhere, but the perce ntage of sales of large household appliances and things like mattresses that are done carry-out in  XXXX  is minuscule, so there is no excuse for not being aware that the offered discount would not apply.