davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Navient is charging me XXXX a month in interest. I have asked for a COVID forbearance and they increased my loan interest from 4 % to 8.25 %. It consolidated my Stafford loan into a private loan. None on my loans qualified for 0 % interest. It is unwilling give a a student loan forgiveness, even though I XXXX  in XXXX  XXXX. When I have asked for help, they raise my payments. I have been making payments since XXXX  and I believe some of the loans were almost paid off until they consolidated them into bigger loans.
Consumer complaint received 2020-05-26
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-05-26
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. (TX)

filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   IXXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute
Consumer complaint received 2020-05-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

I have submitted numerous complaints involving Midland Mortgage fraudulent practice with escrow account. Midland mortgage refuse to reduce mortgage payments to reflect accurate payments. I have submitted documents called and did two complaints with CFPB with provided documents and response from mortgage company stating they have reduce my payments. Midland mortgage have held payments reflecting negatively on my credit as late when in fact they are holding payments over the amount that I owe such as {$870.00}, but I paid {$890.00}. This is trickery that complaints are done and the company can continue to make false statements. Please see the attached documents.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had an account on my credit report in which was removed with XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX and inquired why the debt returned on my credit report after 5 ( five ) years. Per XXXX, they did not put the debt on my report. I contacted Transunion and inquire per Transunion they have to return all debt on everyone 's report, so don't think it's just me. I need assistance in this matter why Transunion is having the right to returned this item from XX/XX/2014 back on my report. I feel Transunion is taking the rights of many Americans. 
Because of this matter, my Credit Score decreased, please help!
Consumer complaint received 2020-05-25
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)

XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information PO BOX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY inquiries Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX
Consumer complaint received 2019-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are hard inquiries on my report that I did NOT authorize. I tried contacting the creditors by mail & havent received a response to this urgent concern. Also, I contacted TRANSUNION directly and they REFUSED to help. 
These inquiries need to be deleted from my Transunion report because I did NOT authorize them. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX
Consumer complaint received 2020-05-25
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. (LA)

XXXX XXXX. A mortgage company checked my Transunion Credit report. 
Unbeknownst to me, there was an account added to collections, from a XXXX XXXX    XXXX XXXX for the amount of {$420.00}. 

I was very confused as I have NEVER done business with said company. Also the fact that Transunion blindly added this information to my report. 
I never once received any information in writing or phone call, in regards to knowing this debt ; that I might dispute within the 30 days that is legally required. 

I mailed out a certified letter to the collection company that is claiming I owe the debt, by the name of XXXX XXXX XXXX ; requesting VALIDATION NOT Verification, of the debt. 
They DID NOT respond. 
This DEBT IS FRAUDULENT and therefore should be removed from my TRANSUNION report.
Consumer complaint received 2020-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, my boyfriend and I purchased a cruise through a company called XXXX XXXX XXXX, billed as XXXX XXXX on our credit card. We realized post-purchase that the company was fraudulent after doing a XXXX search on XXXX XXXX - tried to call the company to request a refund - they disconnected their phone, and then filed a dispute with our bank ( Bank of America ) to resolve the situation and get our money back from this fake company. BofA requested information from us about the situation, which I provided, credited us back the amount the fake merchant took from us in XXXX, and then took the credit back, recharging us for this fake purchase. This took months, and I received the charge back on my card on XX/XX/XXXX. Calling the bank again to see what happened and why I was re-charged for this clearly fraudulent charge, they provided " evidence '' from the merchant that we were unable to get ahold of that was entirely fabricated. The merchant stated that they had sent us an email confirmation and we responded with a signed document and photo ID confirming acceptance of the charge and trip. This is 100 % false. The name that they signed on the document is not even my boyfriend 's name. They got the initial of his last name wrong. Also, there is no ID provided, because none of that ever happened. Another dispute was filed for a supposedly deeper investigation on XX/XX/XXXX. So, after two so-called investigations into the matter, Bank of America sided with a fake company that provided clearly false information to them. My boyfriend has an account with BofA, they know that isn't his last initial. On XX/XX/XXXX, I received a second denial on our dispute claim and am still expected to pay {$800.00} to my bank and a fake company. This is not fair and we have provided information showing that it is fake. The result that comes up in a XXXX search about XXXX XXXX is that it is a scam vacation company based out of XXXX. I looked at that page today, found a phone number for the company - as the one we had tried continuously before was disconnected, it went straight through and the man I spoke with was the same man we spoke with back in XXXX when we were conned. I demanded a refund and discussed the situation with him and how false evidence was provided by them to our bank. He requested I send a copy of the statement from our bank saying our claim was denied and then their verification department would look at it. The issue at hand is that a fake company stole our money, two disputes were made with our bank, and the bank sided with the fake company that provided them with blatantly false statements. We want justice and our money back while being wildly disappointed in Bank of America for their lack of due diligence.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have XXXX XXXX XXXX service. I read my 3 bureau credit report this morning, and then realized some information was incorrect on my transunion report. I followed TransUnion 's prompt to create an account in order to update my employer ( although I soon found out this isn't available online ). During the context of verifying my identification when creating an account, I shared my credit card information ( I thought this was similar to surrounding questions asking about past and current addresses, etc. ) I then received an email receipt saying that I had been charged {$24.00}, and would be charged {$2400.00} each month for a year -- {$27000.00} total, all for credit reporting!!! I immediately canceled and sought a pathway to reach a human to ask for my {$24.00} back ( {$27000.00} per year should be illegal! ) I called Transunion 's hotline, XXXX for 21 minutes and was given a number to call for subscription services, XXXX. This was a fake number! It's " not available in my area. '' Transunion is running a short grift trying to bankrupt Americans during a pandemic and they should be shut down
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. 
Wells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. 
Prior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! 
This false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! 
XXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. 
Source : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, XXXX ( XXXX, XXXX, XXXX
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

I sent the following letter to Caliber on XX/XX/XXXX without a reply. Prior to the letter I attempted to call customer support and was put on hold until the call was terminated. In addition, I sent 2 messages via the secure messaging system at Caliber 's website on XXXX and XX/XX/XXXX with no response prior to sending this letter. I have not received a reply to any of my communications. 

The extra payment has been partially credited to principal and it looks like partially held in escrow. My wish is to use the extra payment as an extra payment so I can skip one months payment rather than have it credited to principal and " cash '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XX/XX/XXXX Caliber Home Loans , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX : loan XXXX Dear XXXX   XXXX, My loans have been double billed. 
My loan was sold to you. I made my payment for XXXX to you and my account was still debited by XXXX resulting in my paying twice for the month of XXXX. The loan numbers and amounts are as follows. 
XXXX {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX Or XXXX This represents an over payment of {$1700.00} and as you can imagine is a hardship for me to bear this overpayment. I would like the extra payment to be applied to next months payment. I would like to skip my payment for one month and have the extra payment applied to XXXX. 
I contacted you twice via secure messaging at the Caliber website, with no reply.. 
RSVP Sincerely yours, XXXX XXXX
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (CA)

I have attempted to get several items corrected on my Experian credit report. Experian continually reports it as verified as accurate even though they can not disclose how they investigated the items. Experian is now refusing to allow me to dispute these items even though they are factually incorrect and tell me " You have previously disputed this item. We are not required to process a duplicative dispute. '' If the item is still incorrect I will still try to get it fixed regardless of its a duplicate dispute, you should not be forced to have items on your report that are factually incorrect. I have submitted a 4th round of disputes on XX/XX/2020 on their webiste for XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX and XXXX.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

my credit report has a charge which is not mine, listed under a person with a wrong date of birth, as per the Transunion representative I spoke with. He did not help me, states I need to send them a letter with this info on it, They made the mistake! This needs to be removed from my credit report!
Consumer complaint received 2023-02-12
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: United Revenue Corporation (TX)

THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY UNITED REVENUE CORP . I'VE TAKEN A LOOK AT THE RESPONSE AND THERE ARE STILL MANY PROBLEMS. UNITED REVENUE DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX XXXX THEY ARE NOT. THEY ALSO DID CLAIMED TO HAVE MAILED ME DOCUMENTATION BUT I NEVER GOT IT. IT WAS AN OPPORTUNITY TO ATTACH ALL RELEVANT DOCUMENTS TO THE CFPB COMPLAINT, BUT THEY DID NOT. AGAIN, PLEASE SUBMIT THE REQUESTED INFORMATION VIA THE CFPB PORTAL. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KS)

13 months ago I set up automatic payments with Navient under a repayment plan that I could afford. This was working great or so I thought. The payments were set up to come out on the XXXX of each month, and they did. This continued on for a year ( I had to allow them to take automatic payments out for a year in order to obtain the payment plan I have and after the 12 month period was over I would start making manual payments of the same amount. ) Well, that year has come and passed now and I made my first manual payment. When I did this I noticed tons of late charges though.I had noticed this at the beginning too, shortly after I set up the loan repayment plan and I called Navient then too to inquire. The agent told me not to worry about it that it was a product of how my repayment was set up in their system. So I did exactly what he said and pushed it to the wayside, out of sight out of mind. 

When it came time to make my first manual payment I had to call Navient to figure out how I was supposed to pay it as the instructions they gave me were not lining up with what I was seeing. Through this I discovered that the reason it was not lining up is because these late charges were in fact NOT to be ignored, they were real and a result of how they set up my payment in their system. Because it did not fall on the proper date to line up with what they had my payment date set up. 

So despite me making the same payment for 12 months on time, on the same day, I am not left with over {$800.00} in late fees because of Navients mistake, misinformation, and careless disregard for their customers. I was lied to and I have it recorded. 

I attempted to get someone in their collections department ( I think that is what they called it ) to reverse these late fees/charges. But because I confirmed that I was receiving a bill from them they have washed their hands of any responsibility for the error. This is wrong. I will continue to contact Navient to try to get these late feeds removed/redacted. 

Unfortunately it has rained havoc onto my credit as well and that is what prompted me writing this -- a loan underwriter denying me because of late payments to Navient. Which is not true. I have payed them on time every month for the past 13 months now, at least. 

I would have to do some research, there have been times where I could not make the full payment they were asking but I payed what I could. This actually goes much further back than 13 months, they have been charging me late fees for 2 years. I can guarantee though that for the last 13 months the amount I have been paying is the amount that I am supposed to pay ( if this makes sense. ) I can do more research if it would help, however I do n't want to place a ton of effort into this unless I know something is going to be done about it. Likewise, if something is going to be done about this I have my conversations with Navient recorded.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

I have been using cash apps direct deposit option through XXXX XXXX. Ive received many deposits from work and my unemployment benefits, even the stimulus was deposited there for me. However on XX/XX/2020 my cash card all of a sudden stopped working declining every transaction I wanted to make. When I tried to activate my card it kept saying I was not able to then my card disappeared. I then had the option to start a new card but it kept saying it can not activate a new card for me at this time. Ive tried several times and several attempts to speak to cash app but the response is lagging. I am supposed to have received my unemployment benefits by now but cant because they wont let me activate a card. I need help, and have bills to pay.