davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

In 2012   XXXX   XXXX   began calling me about a loan I Co-Signed, I stated that I never co-signed a loan, they transferred my call and kept repeating that I did co-sign a loan and that I am responsible for it.
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I did not co-sign a loan. Navient is threatening to report delinquent payments to the credit bureaus regarding a loan that is not mine. I made multple payments on a loan that is not mine in fear that they would destroy my credit score.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I noticed unauthorized inquiries on my report according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I 've been with N avient (   XXXX   XXXX   ) f or quite some time and for a long time, I 've been struggling with trying to get my payments lowers to an affordable montly rate. Every year, they raise my payment eventhough my financial situation remains the same. I am now paying {$280.00} under a rate reduction payment plan and I ask them time and time again to lower it. My Co-signer is my Mom who has a  XXXX  and does n't have the financial means to assist me any longer ; all payments have fallen solely on me. I can not afford these payments and it will only get worse next year because it will rise again. I need them to reconsider my payment plan and bring me back down to a payment is around {$150.00} per month or less. I should n't be going broke and basically working to pay them. I have other loans and I am drowning because of Navient. What a scam company! The operators never want to help. They just tell me to basically rely on my Mom eventhough she can not help at all. They are heartless. I ca n't even consolidate because it ' s a Private loa n smh
Consumer complaint received 2017-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Whenever I pay extra towards principal they seem to apply it to the future month, effectively doubling my interest. This has happened several times this year.
On XX/XX/XXXX at XXXX CT, Ditech 's Customer Rep XXXX, enrolled me in their program to automatically apply any payment that does not match my Regular Monthly Payment to principal.
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On the latest occurrence, I paid {$5000.00} towards principal on XXXX and my Regular Monthly Payment on XXXX. They deducted over {$900.00} interest from both payments, so now my Principal balance is overstated by {$960.00}. My XXXX payment is due to hit today, so that will just compound the imbalance.
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On XX/XX/XXXX at XXXX I spoke to XXXX who understood and calculated the same Principal Balance as me ( {$170000.00} ) and said it would be corrected. I called XXXX on XX/XX/XXXX at XXXX and XXXX onXX/XX/XXXX at XXXX because my online balance still has not been corrected. All they do is say that they will submit my call.
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This company is very unresponsive, not very intelligent and I 'm sure that what they 're doing is illegal.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-03-15
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

RUSH PLEASE I HAVE SALE  XXXX   XXXX ,  XXXX and i can not do anything. I have loan modification.   Hi, my name is  XXXX   XXXX . I have some very bad issues going on right now with my bank  ( Fay Servicing , LLC )  and about my previous banks. When I opened my loan from  XXXX   XXXX   XXXX  my monthly payment was {$1300.00}. I couldnt pay them anymore due to my divorce my husband left me and left me in the waters. I applied for  a Loan Modification  and they told me to make some trial period payments of {$1500.00}. I paid all three times for the three months, on time. After the payments were done they transferred me to   XXXX   XXXX   XXXX  . I had the same story with them, they asked for trial period payments and so I had no other choice I paid {$1900.00} for  three month s, on time.   XXXX   XXXX   XXXX   transferred me to Fay Servicing , LLC who is now my current servicer. I now have a foreclosure sale for  XXXX . I have sent them all documents but they still have not offered me anything. I have sent them documents again. I dont want them to ask for a trial period payment and then transfer me to another servicer and then go through the same thing the banks have been doing to me twice. I dont even know if those trial period payments I have paid when towards anything like my loan or did they just take it. I want to keep my home and pay a reasonable amount. I have a sale coming up on  XXXX .
Consumer complaint received 2017-05-19
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. (NV)

XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the Depar tment of Economic Security and was advised that I am current in my child support obligation. I have 50/50 custody of our children and am being penalized as a responsi ble Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.
Consumer complaint received 2017-05-18
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Onity Group Inc. (KS)

I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!
Consumer complaint received 2017-07-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (VA)

I became ill and missed full payments. I spoke to someone in XX/XX/XXXX  who told me to call back in  XX/XX/XXXX  to reset my loan. I called and was told I would receive an email. I kept calling but never received an email. I was verbally told the loan was reset however they still owed my {$2000.00} for a fake warranty place on by the dealership, I have been fighting to removed. I was never told or requested the warranty. They never sent anything. The car was repo  XX/XX/XXXX , I did not receive a notice about the sell of the car or how to get my items out of the car. As of  XX/XX/XXXX , I still have not heard from them.
Consumer complaint received 2017-07-15
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: AMERICAN EXPRESS COMPANY (TX)

American Express is doing 'Bait & Switch ' : They send you a credit card promotional offer and then renege on the promotion.
BACKGROUND : I was sent Amex Gold card offer by American Express for 50k points after {$2000.00} purchase within first 3 months of account opening ( RSVP Code   XXXX   ).
In the past, I had Amex Gold card that I had closed more than a year ago ( last card closed on   XXXX   XXXX   that is why American Express sent in   XXXX   XXXX   a new offer ) American Express promotion letter and subsequent documentation did not say anything about having prior card. Attached is the documentation that American Express sent to me : 1. The promotion letter 2. The letter accompanying the card 3. The booklet showing the promotion.
4. Application screen ALLOWING me to apply.
Nowhere did it state that I am not eligible, since I had the card more than a year ago.
Nevertheless, out of abundance of caution, I checked with American Express customer service and was told that I was ELIGIBLE for the promotion since the account had been closed over a year ago. Based on that assurance, I got the card and fulfilled all the obligations of purchasing more than {$2000.00} within 3 months on  XX/XX/XXXX 
American Express admits to mistake but will still not credit 50k points that I am entitled :   XXXX   XXXX   from Amex Executive offices called on XX/XX/XXXX  & agreed : - That Amex should not be sending invitations when they specifically know I have had the card before and am not eligible - She also agreed, that customer Service should not be giving me wrong information that I am eligible to apply for the promotion, when they know specifically from my RSVP code, that I have had card before.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (UT)

I have sent the application to apply f or Income Based Repayment 5 times. Every time I wait a few days and call to check if they have it ( when it w as mailed - I waited a week ).     I faxed a paper copy  XXXX   XXXX  to  XXXX . I called on  XXXX   XXXX  - they said they had no record of my fax and to try the online application.     I submitted my online application on  XXXX   XXXX  at studentloans.gov. I called  XXXX   XXXX  and they told me they could not see any record of me accessing the site - they asked me to mail it.     I mailed a copy on  XXXX   XXXX  priority mail. I messaged them on  XXXX   XXXX  and they again told me they had no records.     I finally emailed them a copy of the application this morning and got a response telling me that they finally can confirm I accessed studentloans.gov but that I had not submitted the supporting documentation ( which was included in the email ).     I have now sent another email with the PDF application and supporting documentation but my deferment period is ending  XXXX   XXXX    XXXX  .     I need someone to help me make my servicer process my application and documentation that I have submitted multiple times through the last month.
Consumer complaint received 2017-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

This item from   XXXX   XXXX   XXXX   first appeared on my credit report in 2015 by another collection agency   XXXX   XXXX    XXXX  it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached
Consumer complaint received 2017-05-18
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. (OH)

I called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.
Consumer complaint received 2017-07-15
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: SECURITY FINANCE CORP (AL)

I have several inquiries that was report on my credit report that I did not authorize, and security financial is still report on my credit report after I request to pay but was declined due because the company wrote it off now another agency have it so therefore am no long responsible for it. Please look more into my report so . Am  also request that university   XXXX   XXXX   be remove as well. It could be update asap,
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP (CO)

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However, Bank of Albuquerq ue ( BOA ) is  reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact BOA and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculou s. BOA is  the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the date of Settlement i s  XXXX / XXXX / XXXX . I am requesting from the BOA a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's  credit score . Thank you!
Consumer complaint received 2017-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (TX)

The original creditor that 's attempting to collect a debt goes by the name of Santander. I have never done business with this company or even heard of them prior to the account hitting my report. I called in to customer service over a year ago to try to retrieve information about the account that was reporting and was told I could only retrieve information with a police report.I filed a report and faxed it in. I Called back after receipt and was given the name of the dealership where the account was purchased and the address. Upon googling, the business was in Louisiana and I have live in Texas s ince 2011. I re ached out to the dealership and they were no longer in business.I proceeded to dispute the account and it was removed from my reports but only for ab out 4 -5. Now the y 're attempting to collect under another name. Everytime I reach out for debt validation, I 'm simply being mailed a letter stating it 's been validated. To date I have received no signed contracts, no identification that the car would have been purchased with, or anything tying me to this debt. CAN YOU PLEASE FORWARD TO ME THE DOCUMENTATION YOU CLAIM WAS SUBMITTED TO ME IN AN ATTEMPT TO VALIDATE THIS SAID DEBT. BECAUSE I HAVE NOT RECEIVED ANYTHING OUTSIDE OF A LETTER SAYING IT WAS VALID. I HAVE NOT RECEIVED ANY DOCUMENTS OR A CONTRACT WITH MY SIGNATURE!
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Acquired Assets, Ltd. (AE)

Good afternoon, upon pulling my credit I notice an account on my credit that I had not seen before and so I contacted the consumer finance and tried to dispute the information listed but was told that this was a legal debt. I then contacted the collection agency and asked what was the debt in regards to? As it turns out the debt was in regards to an insurance claim that was with a rental car that should have been paid by my insurance company. Apparently their was some miscommunications with my car insurance company  XXXX  and the bill was not paid when it should of been paid. I was able to reopen the claim with my car insurance company who then paid the bill on  XXXX   XXXX    XXXX  . I spoke to a  XXXX   XXXX   XXXX  with   XXXX   XXXX   XXXX   who told me that he was only removing the debt from my report because he was doing me a favor, I told him no this debt should of never been on my credit as I never received any notification and that it should of been paid by the insurance company prior to the current date that it was paid.  XXXX   XXXX  then told me that he will jo longer be removing the debt and that he did not have to do anything and proceeded to hang up the phone as I was speaking. I then called back and no one answers the phone, I placed a second call using my  XXXX  number and followed the prompt using the key pad in order to get to the receptionist so I can ask to speak to a  manager or  someone in charge. The person whom answered the phone stated that she was the owener but would n't give me her name after asking her to provide it many times ( recorded ) I proceeded to inform her that she is being recorded and that I will be filing a complaint to the CFPB and she informed me that if I wanted her help that I need to be quiet and that I just do n't know how to shut up. She refused to give me her name and told me that I can look it up. She also stated that when I file my complaint that I will still have to call her back after so I can go ahead and file the complaint. I informed her again that she was being recorded and that I am at work in the   XXXX   with withnesses around me and that I was not being disresptful and that as a debt collector she is suppose to provided her name but she continued to refuse and proceeded to hang up her phone on me. Also I would like to add that  XXXX   XXXX  stated that he does n't have to do anything and that all he has to do is write that the account was satisfied. The account was more than satisfied it was paid in full by the insurance company as soon as they realized that the bill was not paid. I find that this is a very disgusting way to treat a person who did everything necessary to ensure that the right thing was done. If I did n't care about this I would of just left it and not try my hardest to get the matter resolved.
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery associates, LLC is o n my credit report ( on all  XXXX  bureaus ) twice. While they did send a verification of the debt for  XXXX  the accounts they have and what it was for, they have n't validated the debt to be mine nor have they responded to my request for verification. They are vultures. They buy old debt for pennies and try to get a full amount even after statue of limitations expires and they harass a bunch of people. They call all the time at weird hours, especially at  XXXX  when I am ASLEEP.   Just today, I was looking up to see if they were licensed and/or bonded in my state and they do n't show up anywhere on the site for the state of Wisconsin.   I would like them to be removed from my reports as they are ruining my reputation for credit worthiness.