davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ME)

Navient is horrible. They have been for 15 years. I have been paying and now my balance is more that twice what I borrowed. They've shifted me over to another servicer, but only after telling me I was in good standing in the middle of XXXX and also that there had been some deference of which I was not aware ( I had paid what they wanted in XXXX ). At the end of XXXX, Navient itself had reported that I owed almost XXXX XXXX DOLLARS. Obviously, that's not gon na happen, but after this I HAVE to report after 15 years and since I've been with Sallie Mae and they turned to Navient, I have not had a moments XXXX peace. I've had enough of every month wondering about how much interest they've played the math game with that they expect me to pay this month. It's UNREAL. I borrowed {$250000.00} ... paid on it for 15 years. NOW I owe these XXXX almost XXXX XXXX  XXXX ( {$470000.00} ). I had to keep working through he pandemic and had no relief. I called and two representatives at Navient told me that " we choose not to participate in the adminstration 's deferment of federal loans... .so as long as we're your servicer, you will keep paying the normal amount. We OBVIOUSLY didn't have the same amount of business ... ..so my commission was much under what I would normally make. Someone has to do something about this. I'm supposed to be on income based repayment ( again, almost $ XXXX makes NO sense WITHIN TWO WEEKS ; and this is on IBR ). No one can MOVE under this condition. Navient deserves to be PUT UNDER THE JAIL. I would love for the loan amount finish line to cease moving. And I absolutely do not want anyone paying my debts back. I want my debts to be fair and not something that sabotages and shades my and my family 's future. We truly believe because I just wanted to be a XXXX, our lives are completely committed to a loan company and I have no fruits of my labor ( my husband also ; he's a XXXX XXXX XXXX XXXX and a XXXX  also ). WHY do we have it worse than those who have NO motivation and discipline??? DO YOU WANT to dumb the population down?? Because if I could go back, I would have not EVER tried to be the best I could ever be and believe my parents and grandparents and what they really built me up with. I say all that to say that the XXXX XXXX XXXX XXXX XXXX is because of Navient and other company 's XXXX. All just trash. I will NEVER be out from it. Neither will my husband. We worked to XXXX HARD to make a LIFE. And we have NONE of it because of this absolutely asinine " business. " They will not get the XXXX  they want from each of us. Ridiculous.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

This involves an application to recast our loan. Our loan is serviced by XXXX XXXX XXXX Shellpoint Mortgage Servicing [ formerly XXXX XXXX XXXX  ] .They required us to send them {$200000.00} for a recast of our mortgage but then denied the recast and would not refund our recast payment. We have been trying to get this through since XX/XX/year> and they first sent the recast approval documents to the wrong address, and then denied us the recast because we had not returned the documents we never received. Then they said they were transitioning to a new owner and could not continue processing any recasts during the month of XXXX. So we reapplied for the recast in XXXX and were told to wire the money for the recast [ which we did ] and they would get approval from the 'investors ' and get back to us, and if they did not approve they would refund the money. They did not approve of the recast, based on an entirely new " eligibility '' requirement that was not disclosed to us and had not been a requirement when we asked to the recast. We sent in a written appeal to the President of XXXX XXXX and the CFO of Shellpoint Mortgage Servicing and got no reply. I have spent more than 10 hours on numerous phone calls [ most of the time on hold ] to them, explaining the situation and even gave them wiring instructions to send our money back, but they keep putting us off from one person to another, and when asked to speak to a supervisor being told there are none, and when asked to get an email or written confirmation of what the agent said they were going to do for us, they said they had no way to email or give us written confirmation of anything, that they just go from one call to another and there is no follow up. I finally, last week, was transferred to someone who they said was a supervisor, XXXX XXXX, who actually gave me an email address, and said she would get back to me, but she hasn't and the email address she gave me did not work. It is a scam that they are keeping our {$200000.00} wrongfully. We are XXXX  and we were relying on getting the loan recast so that we would have payments we can afford. If we can not get the recast we will have to sell the home that we just bought last XXXX for our retirement. Please help!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WA)

Statement of Claim : Citicorp North America has violated my privacy rights pursuant to the Dodd-Frank Act, the Gramm-Biley-Leach Act, the Privacy Act of 1974, Family Rights and Privacy Act, and the Fair Credit Reporting Act. ( All referenced acts attached in a separate document. ) These violations include due process, trespass and defamation of character. Reporting without my written authorization is aggravated identity theft, with no verification/validation of defendants actions are ultra-vires, seeking unjust enrichment and causing irreparable harm. Reporting is a false claim and a violation of XXXX  business codes, All reporting is XXXX. Plaintiff requests maximum award from the court. 
Plaintiff alleges defendant has violated numerous consumer privacy rights, causing damage of reputation in the business community, and actual damage denied extensions of credit from multiple lending institutions. The Dodd Frank Act, Graham Leach Biley Act, Family Rights and Privacy Act, the 1974 Privacy act, whereas giving no rise to a cause of action, all are instrumental in emphasizing consumers right to privacy in their personal business transactions. 
Plaintiff alleges violations of the FCRA, including but not limited to 15 USC 1681 ( 3 ), agencies have no authority, in law, and have assumed a position of authority, in consumers personal affairs. 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( b ), agencies can not furnish an account without my written instructions. 15 USC 1681n, civil liability for willful non-compliance, 15 USC 6802 Lender actions have led to defamation of character, violation of due process laws/trespass, emotional distress, and discriminatory denial of credit in violation of the Equal Opportunities Credit Act.

Any and all reporting without my verification/validation, is thus hearsay, reporting of such tradelines, as if accurate, with no such evidence of, major violation of this states False Claims act. Reporting/furnishing to agency of no authority, and without my written consent is thus ulta-vires, criminal, XXXX crimes, aggravated identity theft, seeking unjust enrichment. Plaintiff notices courts of numerous attempts to remedy, said violations, written and verbal, no relief granted. Plaintiff seeks maximum award as allowed in this said court of limited jurisdiction. 
I sent a Demand for Deletion regarding late payments reported to the three main Credit Reporting Agencies ( CRAs ), XXXX, XXXX and XXXX. Citicorp ignored my letter, and instead sent a letter stating they can not Determine the exact information on your credit report which you are disputing. The exact information was provided to Citicorp because I included a copy of the credit report from all three CRAs showing the late payments Citicorp reported without my express written permission. 
This led to me being denied credit from American Express ( denial letter included ).
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

They lied about their policies stating they have secret policies and that they are not allowed to email an agreement because I live in XXXX XXXX and they also said that they can not via mail send agreement settled on but can only email it. She used fallacies to confuse me and pressure me to pay the debt.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (NY)

I sent mail CEO creditor company to adjustment or remove the only negative late payment account as per time I get this credit card was hard for me to understand how aggressively this creditor rush to report late payment on store card with XXXX $ credit limit. 
Since late payments happened I took steps this account kept balance already along 13months 0 . 
I had more than 10 credit accounts with XXXX XXXX limit and never was late. 
I greatly appreciate any action you can take to solve this issue and remove this negative account from my credit report. 
This account works online website and was hard for me to gain control after I had requested papers statement in my mail box I never was late this was accident. 
Thanks you
Consumer complaint received 2024-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (TX)

On XX/XX/year> I reason an email about my credit karma accounts being frozen and to contact assistance if need immediate assistance. Which I contacted them that same day to get reason why and how to XXXX frozen my account as i need my money for an upcoming medical procedures. I was told by XXXX of the representatives that i need call by on XXXX for assistance with that. I reached out to credit karma customer service once again on Monday they tell me that they cant give me information on this and i have to wait for email to be sent me on next steps. XXXX comes by no email has come so i reached out to them again & request to speak with a supervisor in regards of this, they tell me its been escalated and i will be contacted by email. Its Wednesday havent gotten any email or call from supervisor. They are hold on to my funds without telling me why or what can i do to XXXX frozen my account. This put me at disadvantage because i can do what i need to for my health or lifestyle. Please help me.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

The atm simply did dispense what i requested the amount was {$800.00} and i only received {$20.00} my uber pro card was credited the disputed amount and debited for the disputed amount this been going on for XXXX weeks now about to be XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I opened a Sofi saving account. I transferred some money from my XXXXXXXX XXXX XXXX account to this saving account and then my Sofi saving account got restricted. Here 's the timeline- I opened Sofi saving and checking accounts on XX/XX/year> - I transfered {$5000.00} from my XXXX account to Sofi saving account on XX/XX/year> - XXXX deposit a check {$500.00} to my Sofi saving account on XX/XX/year> - I transfered {$26000.00} from my XXXXXXXX XXXX XXXX account to my Sofi saving account on XX/XX/year> - My Sofi banking account got restricted on XX/XX/year> - Talked with Sofi customer service, they said that the deposit from XXXX was under my XXXX account number instead of my name, so they think it was a thrid party instead of me transfering money to my sofi saving account, so they just restricted the saving account. 
- Talked again with Sofi customer service, they asked me for my employer 's contact number and XXXX 's contact number, and I gave them. 
- Talked multiple times with Sofi customer service in the next several days and they kept saying that they were still reviewing my case. They could not verify that my XXXX account is mine. 

Noted that my XXXX account is opened by my employer to receive XXXX and it has an account number. Both my XXXXXXXX XXXX XXXX account and the stock plan has the same number. I've transfered money from this brokerage account to my XXXX account multiple times and everything went smoothly. I have no idea why things do not work in Sofi.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

On XX/XX/year> ( XXXX account # XXXX ) / ( Experian account # XXXX ) / ( XXXX Account # XXXX ), started reporting an inaccurate account status of a paid closed account on my credit report, this is a ( non-credit ) telecommunications account with XXXX which has never been late nor has the account ever been in collections so, therefore, should not be reporting as an erroneous credit-related charge-off or paid utility collection. This account is negatively and unfairly affecting my credit report/ credit score. Under the FCRA, information on my credit report should be reporting 100 % accurate. 

Please delete account.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Company was asked to validate debt. Knowing this would be impossible due to the fact that debt was opened while I was XXXX XXXX XXXX. Debt was fraudulently opened by parent yet company refused to look into debt even when provided with information. Attached is debt and day it was opened as well as XXXX  showing I was still a XXXX XXXX XXXX jobless. With no way of opening a credit card of any form
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

{ Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law
Consumer complaint received 2024-06-19
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-19
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: Experian Information Solutions Inc. (GA)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (OK)

We opened a joint Chase card about a year ago. Immediately upon receiving the card we attempted to register for online access. On day one the mobile phone number ( verification required for access ) was wrong. We called they assured us this was corrected. After numerous calls this never was resolved. As a result I made pay by phone payments which worked. We received the bills, I could call and make payments we never missed a payment and payed more than the amount due. In late XXXX, we moved to XXXX. During this time our regular mail was returned to sender. So when I called Chase to make my payment that month, I was unable to do so until the address was updated. I spoke to a representative who said the address was updated. No bill came. Called the next month and the address was not updated because both XXXX and XXXX were not on the phone to update the address. At the time we were in flux moving from XXXX  to XXXX  so XXXX was living and working in XXXX, XXXX in XXXX. This continued until XX/XX/XXXX. Each month, the same thing XXXX would call to make a payment, they refused to update the address, so payment could not be made. 

We took to sending in written requests, thinking that would help. NOPE! 

In fact they have been sent 3 different DO NOT CALL ONLY MAIL demands. NONE of these demands have been met. They call after XXXX almost daily. They have even taken to calling our adult daughter the XXXX number. Again, they have been asked by her and her husband to stop calling and to stop calling after XXXX waiting their infant up. 

This madness has got to stop! We are more than happy to make the monthly payments, we are just tired to begging monthly for a statement.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.