davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MA)

Like many others, when getting a home loan, our mortgage was sold from a company called XXXX to Newrez, XXXX XXXX XXXX. Like many normal people, we set up automatic bill pay for our mortgage with XXXX XXXXXXXX XXXX. Well, Newrez lost our payments and then sold our mortgage to a company called XXXX XXXX XXXX which also misapplied payments because of the Newrez issues that remain unresolved. We have provided countless amounts of written proof to Newrez and XXXX XXXX XXXX that our bill payments went to Newrez as verified by their routing numbers and account numbers. We have canceled checks. We have letters from XXXX XXXX XXXX saying the funds went out but did not come back in. We have bank statements showing funds left and never came back to us. Yet, Newrez and XXXX both refuse to correct the issue, they drag their feet and refuse to provide any proof that deposits for the same amounts on the same days entered their accounts just like we have been forced to provide many times now. My credit has negative filings for late payments that were never late and they have not removed them. This has been going on for a year now and we keep providing the same paperwork over and over and they refuse to show any paperwork whatsoever on their side. They are in breach of contract and not fulfilling their duties. If they were audited, this would be found and all we're asking for is the same paperwork we've provided. We completed our obligation, but they have not completed theirs. I am sure if an auditor audits them and I sincerely hope the government audits both Newrez and XXXX as a result of this, they will find those payments hit their accounts but just weren't allocated to our account as an error. An auditor would also find XXXX did a number of unethical and misleading things to us assuming we never paid NewRez which we did. 

This is a mess and we are being mistreated and both firms are in breach of contract. Audit them and you'll find our payments, just like XXXX of the largest banks on earth in XXXX  has. proven many times now via many forms of documentation. We hope you can help us bring this to closure and we hope Newrez and XXXX are help accountable for their errors. People make mistakes. They need to own theirs, fix these issues, and move on. Over a year is far too long. 

I should add, XXXX in particular, but also Newrez was passing and faxing around our private information in ensure ways and we've called this out many times. They should be audited for these practices as well. You should listen to our recorded calls with XXXX that they refuse to give us access to. 

I attached XXXX canceled check clearly showing the account and routing number matching Newrez. I have the rest of the statements and will provide if you ask. We just have had so much private information distributed, we are scared for our privacy.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. 

I give the company full authorization to investigate this matter.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OR)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Thousands of students were scammed by Navient into taking out predatory private loans with co signers to attend for profit online schools such as the one I attended, XX/XX/XXXX As a matter of fact, XXXX XXXX XX/XX/XXXXXXXX was investigated Because of the numerous claims of fraud and misconduct it was a part of the consumer fraud class action schools. I was able to file a Borrower Defense claim with the Dept. of Education againsXX/XX/XXXXXXXX and my XX/XX/XXXXXX/XX/XXXXof {$23000.00} were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XX/XX/XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the earlyXX/XX/XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll.XX/XX/XXXXXXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

About on XX/XX/2024, I got a letter from XXXX XXXX XXXX XXXX that I had a balance with PayPal credit card company. From the later, I figured out that the bank I need to contact for this matter is Synchrony bank. I looked up the website and got the phone. I called and explained that I have never opened a PayPal credit card. Synchrony bank started investigating the matter. The result was the account was unauthorized opened by someone else. I asked what I need to do with the letter from XXXX XXXX XXXX XXXX, the answer was I would not need to worry about that because Synchrony bank already sent a notification to XXXX XXXX XXXX XXXX. 

On XX/XX/2024, I got a notification from the XXXX court that XXXX XXXX XXXX XXXX has sued me for the unpaid balance. I called the Synchrony bank again and I got the same answer that the account was unauthorized opened and that the bank already senet a notification to the XXXX XXXX XXXX XXXX. I asked the bank sending me a letter as a proof that the account was unauthorized opened. Synchrony bank did send me a letter. I sent a copy to the court and to the XXXX XXXX XXXX XXXX to request that the case should be dismissed. 

I am currently working out of state. To show up at the court requires me to take 3 days off. From my earning, each day is about {$300.00}. Three days plus the air ticket would cost me about {$1000.00}. 

I have called XXXX XXXX XXXX XXXX and reported that I already sent in the proof provided by Synchrony bank. The employee from XXXX XXXX XXXX XXXX verified with me she received and that she would handle it to her XXXX. 

I have not heard from XXXX XXXX XXXX XXXX and I would like the case is dismissed. 

Attachment is the letter from Synchrony bank.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I looked at my Equifax credit report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed below are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number ( XXXX ) They sent me the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving request from the consumer for that description But they did not do that as well, either. According to 15 USC 1681s-2, they are supposed not to furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts listed below : XXXX XXXX Account XXXX XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Original Creditor : XXXX Account # : XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these account and did not authorize them. They are reported by third party.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''. Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) they were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( XXXX ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed in the previous letters are not deleted immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax fails to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello, I am making this complaint to get false credit inquiries removed from my credit report by the XXXX credit bureaus ; XXXX, Equifax, XXXX. During the month of XX/XX/XXXX, on my credit report there were inquiries recorded on my credit report from XXXX credit and others. I have contacted each company directly and the XXXX main credit bureaus with no response from either company. I need these inquiries removed from my report immediately. XXXX was able to remove these inquiries only so far. Can you please aid me with this and contact XXXX and Equifax to remove this from my account? Attached now is the letter from XXXX stating that they would remove these negative items if I provided my social security information. Can you please contact Equifax and transition to have these removed. Thank you XXXX
Consumer complaint received 2023-05-03
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: JPMORGAN CHASE & CO. (MN)

Remove 30 day late payment from my JPMCB credit file. 

My credit score has decreased from XXXX to XXXX as a result of JPMCB/Amazon 's unwillingness to contact me regarding a {$16.00} charge that put my account over 30 days past due without notifying me of an impending issue. 

Synopsis : My wife 's Amazon XXXX account used her XXXX XXXX card as the primary payment method for purchases and my Amazon Visa from JP Morgan Chase Bank, JPMCB, as a secondary payment method. 

In XX/XX/2023 my wife temporarily lost her XXXX XXXX card at an XXXX XXXX TX area XXXX. It was returned to the Customer Service desk, but we later discovered unauthorized charges. She reported this to XXXX and they canceled her card. XXXX reissued a new card with a new number. This new number was not immediately transferred over to Amazon. 

On XX/XX/2023, there was a {$16.00} charge to her Amazon account that was declined by XXXX XXXX. Amazon immediately charged the JPMCB card account We were away from home for a total of five months and did not receive USPS mail, only email, text messages, phone calls, and USPS images of mail going into our XXXX XXXX back home. 

I was not notified that {$16.00} had been charged to my JPMCB card account and there was no additional communication that the account was past due over 30 days. JPMCB and/or Amazon has my contact information and could have contacted me electronically. The written letters sent by JPMCB, and imaged by the USPS, which I received electronically via email, did not have any indications on the return address that they were from JPMCB. If I saw JPMCB on the image, I would have contacted JPMCB for clarification. 

My first indication that there was an issue with the JPMCB account was when I received an alert from XXXXXXXX XXXX credit monitoring service. I immediately contacted JPMCB and made a payment in full, including additional charges/fees. 

I asked JPMCB to consider the circumstances but they declined to offer relief with credit reporting resulting in the drastic credit score decline. In fact, JPMCB incorrectly entered the following in my credit file : **CONSUMER STATEMENT** DUE TO CHANGE OF ADDRESS I NEVER RECEIVED A BILL/STATEMENT. 

I have filed the following dispute with XXXX : VISA - Amazon primary payment method : card lost/canceled ; {$16.00} declined JPMCB - secondary ; {$16.00} charged Away from home 5 months ; no email/phone call from JPMCB/Amazon Notified delinquent by XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the letter from your company prepared on XX/XX/XXXX of 2024, even though today is XX/XX/XXXX of 2024. This letter mentions that you will block the certain information by pursuant to Section 605B ( c ) of the Fair Credit Reporting Act. However, I do not understand what is the specific information that is the result of identity theft. So far, I can say my credit cards were used illegally and closed many times, credit reports were mess, banking information is also suspicious, and there might be more, but not clear due to the volume. It is not easy to figure out which information and documents your office want from the container. I will enclose with this letter FTC identity theft report. 
Sincerely,
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 



HARD INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX I have attached a copy of my identity theft affidavit. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage was switched from XXXX XXXX  to SPS Servicing after I aproached a problem involving a so called " XXXX XXXX  '' which was tied to XXXX XXXX attached to my home address. I tried over one year to lease rooms in my home during the Pandemic. It wasn't a success. My internet was stolen, the information on the cable bill was my own address, however, was not able to access the billing details with the company, I eventualy had to file a police report to indentify the connectivity.

I had no internet for two years, and that caused displeasure with long term tenent occupancy. I was a victim of identity theft through XXXX XXXX. This process among other issues such as caring for 2 of my ailing family members that were ill with XXXX at the time, and experiencing slightly suppressed sales due to covid.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

PHEAA decided to take it upon themselves to approve a Forbearance that I never requested or authorized. The details of this forbearance are extremely vague and if it was something I never requested, then they should not be approving things never requested by a borrower/co-signer. This raises some major red flags that people within the Agency are going into borrower accounts and doing things against the wishes of the borrower/cosigner. Any prolonged forbearance or deferment will not be requested by borrower or cosigner for this account for the remainder of the loan ( s ). Any approval of any forbearance or deferment that is made by PHEAA is done so without my express permission or consent.

This is an additional example of PHEAAs provocative actions they take against borrowers as a means of vengeance or retribution. 

Dear XXXX XXXX XXXX : We approved a Collection Suspension Forbearance. See below for details on your impacted loans. 
Loan Sequence Disbursement Date Loan Program Owner Name Current Principal Balance Federal Agency XXXX XX/XX/XXXX UNCNS PHEAA SL T {$370.00} FEDERAL TRADE COMMISSION XXXX XX/XX/XXXX SUBCNS PHEAA SL T {$990.00} FEDERAL TRADE COMMISSION Action Type Begin Date End Date Approved Administrative Forbearance XX/XX/XXXX XX/XX/XXXX Approved Collection Suspension Forbearance XX/XX/XXXX XX/XX/XXXX