davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (CA)

Many students, including myself, were misled by Navient into securing predatory private loans to fund education at for-profit online institutions, such as The XXXX XXXX XXXX XXXX XXXX XXXX I attended from XXXX to XXXX with an original principal loan amount of about XXXX. Despite having paid the total amount towards these loans, my current balance is paid off in full while ahead of the amount of time given to pay it back. 
Notably, XXXX XXXX XXXX and their parent company, XXXX, were subject to investigations by various state attorneys general and found to have engaged in deceptive practices. In response to widespread allegations of fraud and misconduct by XXXX XXXX XXXXXXXX, the Biden administration recently announced a comprehensive loan discharge for students enrolled at these institutions from XX/XX/XXXX, to XX/XX/XXXX. This led to the discharge of my federal loans totaling about XXXX and the restoration of my credit. 
Navient, which was sued by the attorneys general of 39 states for its role in facilitating these predatory loans, had a specific arrangement with for-profit schools during the early XXXX, makin~ it a " preferred '' lender. Despite this, the settlement terms provided by Navient were considerably inadequate, excluding many borrowers who took loans for attendance at approximately XXXX for-profit online schools, unless they resided in certain states or had not defaulted for at least seven months during a specified period. 
The only period during which I managed to reduce the principal amount was during the pandemic, when interest rates were temporarily lowered to between 0.5 % and 1 %. However, once the regular interest rates resumed, my balance skyrocketed again. This financial strain, coupled with the emotional stress and damage to personal relationships, has been overwhelming. 
Moreover, Navient exited the federal student loan servicing business amidst legislative and advocacy scrutiny, following allegations of steering borrowers away from income-driven repayment plans towards forbearance, an action for which they had to provide restitution. 
Navient has also faced multiple lawsuits for other predatory lending and illegal collection practices. 
Currently, Navient is distributing " applications '' to select students who may qualify for Borrower Defense claims against their schools. However, this process feels unnecessary and opaque, as Navient is already aware of the affected students. 
Under the FTC 's " Holder Rule, '' Navient is accountable for these predatory loans issued in association with for-profit online schools. As time is critical, XXXX XXXX XXXX has urged Navient 's CEO to immediately discharge these loans. It is crucial for Navient to take responsible action now by discharging all such predatory private loans associated with for-profit online education.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX Equifax and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXX XXXX months. The Credit Bureaus has altered my score with the information that my XXXX loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment until XXXX XXXX XXXX
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ME)

I saw inaccurate information on my credit report. XXXX XXXX XXXX is showing a late payment remark. I was never late on this account. I always pay my obligations on time.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (IL)

I have filed 2 complaints in the past few months where nationstar mortgage continues to ignore the fact the Plaintiff, owner of my mortgage " XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, as XXXX XXXX XXXX  to XXXX XXXX XXXX as Trustee for the Certificate Holder of XXXX XXXX, Mortgage Loan Asset Backed Certificates, Series XXXX has not existed since XX/XX/2007 and when asked them to provide proof my mortgage was still still owned by the alleged owner, they still refuse to provide proof the plaintiff exists. So attached to this complaint is a copy of the actual CERTIFIED, SIGNED DOCUMENT FROM THE SECURITY AND EXCHANGE COMMISSION OF THE UNITED STATES OF AMERICA, SIGNED, DATED WITH A GOVERNMENT SEAL showing the trust Nationstar mortage claims my mortgage is owned by does not exist. Also the New York State Department has no record of this trust as again, it does not exist. Nationstar 's filing with the court that gives instructions to anyone bidding on my house for the foreclosure action, they will not guarantee the title and it is written in the filing that no one can do any recourse against the Plaintiff for a bad title. This is more proof, Nationstar Mortgage knows the Plaintiff is not the plaintiff and the title is no good. Their claim that I defaulted on a modification with the " plaintiff '' is also not true. The modification clearly shows a different lender and I never talked to the " plaintiff '' about a modification, nor agreed to one with them and the " Plaintiff '' Never signed the modification, nor are they listed anywhere on the Modification. Attached is that file as well. Bottom line, Nationstar can not come up with any proof to dispute my claims, only just to say the service my mortgage on half of the plaintiff which is hearsay. The only way that Nationstar Mortgage can verify their claims is for them to produce evidence my mortgage was deposited and currently in the trust and that the PLAINTIFF provide an affidavit claiming the infact they do own my mortgage. How can the SEC Security and Exchange Commission provide a certified government sealed document showing the trust listed as the Plaintiff does not exist, but Nationstar continues it's talking points? It can't.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The XX/XX/XXXX EXPERIAN credit reports shows a soft inquiry from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX No phone # available INQUIRY DATES : XXXX '' EXPERIAN continues to create problems for me. 

1. There is no phone number for me to call " XXXX XXXX XXXX '' 2. What is " XXXX XXXX XXXX '' mean? 
3. My employment history is still missing on the EXPERIAN report about me. I have been working in New York, USA since XXXX after I graduated High School. I have paid into the social security benefit system since XXXX. EXPERIAN has omitted my employment history which means according to EXPERIAN, I have not paid into the Social Security system via W2 's Is EXPERIAN attempting to disqualify me from collecting Social Security benefits? 
4. My name is still not corrected to the marital surname XXXX XXXX. Is EXPERIAN disqualifying my legal marriage to my current husband XXXX XXXX XXXX to disqualify me from Social Security Survivor benefits as XXXX 's wife? 
5. Related problem with my current Social Security card is that the complete marital surname is incomplete on the addressee mailed envelope and on the online SSA online website. The missing characters indicate an incomplete name and I want this corrected. Local surrogate, supreme, civil and family courts utilize names with respect to birth, death, divorce and marriage.
Consumer complaint received 2023-06-09
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

They have the wrong name wrong information. I try to address it to remove the false address. And which that examined question and I have no knowledge about. Does different credit card? Different name does not mean and which that refuse too. And I would like to just have the proper information on my credit report. That's all I want
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OK)

I have initiated a money transfer on.zelle and realized that the recipient is NOT ENROLLED IN Zelle, so I cancelled the transaction but they charged me {$27.00} as stop payment fee. I called multiple times but they blame my bank for that however my bank says the money is taken by Zelle. According to zelle XXXX XXXX webpage I got this information CAN I CACEL PAYMENY? 
You can only cancel a payment if the person you sent money to hasnt yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasnt yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. 

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and can not be canceled. This is why its important to only send money to people you trust, and always ensure youve used the correct email address or XXXX mobile number when sending money. 

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you arent able to get your money back, please contact XXXX XXXX XXXX XXXX XXXX member services. 

Scheduled and recurring payments are features provided by XXXX XXXX XXXX XXXX XXXX in our online banking and mobile banking app and are not features of Zelle. Please contact member services with any questions concerning scheduling or recurring payments. 

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-20
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under this circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. This is fraudulent & is impacting my ability to gain credit. 

The company do not have the right to report the account since they lack any permission. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (NC)

Called today to see the breakdown of amount owed. Received the amount it has nsf fees I asked for proof of what those fees are for did not get it. They showed my deposit was XXXX I gave them a copy of my lease showing I paid XXXX deposit they said they need more proof I dont even have that bank any longer. They refuse to change the amounts owed saying I have no proof but they cant give me proof of the extra XXXX they are charging me. I moved out once the lease was up the apartment complex kept my deposit. But stating I still owe XXXX which has been on my credit for 5 years. I cant rent no where because of this. XXXX XXXX is saying I have to pay that balance no negotiation.
Consumer complaint received 2023-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I have been making payments on a medical dept to USCB America. The dept does not appear to be going down. They said it was because of the interest that I am paying. I requested a copy of their interest policy. The representative said they do not release that information. I said " if I am paying it, I have a right to know what it is '' again the representative denied my request. This occurred on XX/XX/2023. On a Recorded line.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-06-07
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: SANTANDER HOLDINGS USA, INC. (HI)

The loan company name is Santander, I fill application belongs Infinity and then they ask me to bring 1, two years tax return 2, for three months bank statement, 3, my social security copy everything what they ask me I gave them still they dont accept, my score is around 710 and XXXX I like to ask question if you have over 700 score you dont need to collect personal information, that is the rule I know, please contact this office and get answer thanks a lot,
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One is reporting a late payment in XX/XX/XXXX however I paid this payment on time. I have proof and attached proof of payment sent before the due date of XX/XX/XXXX. 

I also noticed that Capital one has not sent out any billing statements within XXXX  days before due date. This is a violation of my rights under 15 USC 1666b timing of payments.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-09
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. (AL)

I just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (MI)

This is a loan that was made by one of the child companies. It is called service finance. 

They have been very unresponsive. 

I've been paying extra on this loan for quite some time now. Full year. 

The initial loan was for {$20000.00}. And the interest rate was 12.99 % per annum. 

So far, I have made 12 payments, totaling {$5100.00}. 

{$2000.00} has come off of the loan. 

That leaves a balance of {$17000.00}. 

That means that in the first 12 months, {$3000.00} was interest. 

That does not make any sense, because I have paid more than the minimum almost every single month. Sometimes I've made double payments. 

It is also an effective interest rate of 15.28 %. 

Something is not right here. 

12.99 % should have been {$2500.00} of interest in that year.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (MI)

I've been paying extra on this loan for quite some time now. Full year. 

The initial loan was for {$20000.00}. And the interest rate was 12.99 % per annum. 

So far, I have made 12 payments, totaling {$5100.00}. 

{$2000.00} has come off of the loan. 

That leaves a balance of {$17000.00}. 

That means that in the first 12 months, {$3000.00} was interest. 

That does not make any sense, because I have paid more than the minimum almost every single month. Sometimes I've made double payments. 

It is also an effective interest rate of 15.28 %. 

Something is not right here. 

12.99 % should have been {$2500.00} of interest in that year.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my Experian credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I paid for a service and the service fell apart. I was told by chase I needed to Call XXXX I was told by XXXX I needed to call chase. I spoke with 5 representative in 1 your and no one column resolve my issue of filing. A claim
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (AZ)

XXXX XXXX XXXX XXXX? XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dear Sir/Madam, I am writing to bring to your attention a matter regarding the violation of my consumer rights by Caine Weiner. Despite my repeated requests, they have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. 

On XX/XX/2024, I sent a formal request to Caine Weiner, requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. However, to date, I have not received any response or documentation validating the debt. 

This lack of response is not only a violation of my rights as a consumer but also a breach of the regulations set forth by the CFPB. Despite their failure to provide validation information, [ Name of Collection Agency ] has proceeded to report the collection on my consumer report, which has had a negative impact on my credit score and financial well-being.

I kindly request that the CFPB investigate this matter and take appropriate action against Caine Weiner for their failure to comply with federal regulations and for their unjust reporting practices. Additionally, I urge the CFPB to ensure that Caine Weiner provides the necessary validation information and removes the collection from my consumer report immediately. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and appropriate action to resolve this issue and protect consumer rights. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (CA)

I am writing to formally dispute the validity of the debt that of IQ DATA INTERNATIONAL agency is attempting to collect, of {$44000.00} on XX/XX/XXXX. I want to as well as to assert my rights under the Fair Debt Collection Practices Act, specifically under 15 USC 1692g Sec. 809 ( a ) and ( b ). Upon review of the information provided, I affirm that this debt is not mine and has been paid in full. I have no outstanding obligations to the creditor in question. 

Furthermore, I must emphasize that this agency has failed to provide verification of the debt as required by law. According to the Fair Debt Collection Practices Act.